Investment Products
Historically Cardif Pinnacle offered the following products
Please select one of the links below:
Our products offer a range of options to suit both the needs of investors who wish to receive a tax efficient, fixed rate of return over a fixed period and those who wish to have an accessible tax efficient rate of return for both the short and medium terms.
Flexible Asset Bond
This is a single premium life assurance plan which offers a choice of unit linked funds that invest in a range of assets to provide you with capital growth or alternatively a regular income from your original investment. The Bond is open-ended so the period that you choose to invest is entirely your choice although you should aim to invest for a minimum of 12 months.
There are 3 Funds available:
The Flexible Asset Bond Variable Rate Fund:
This is a no notice fund where the unit price will normally increase in line with the customer rates published by Cardif Pinnacle. In order to keep your investment as safe as possible the fund invests in diversified range of financial assets with a Standard & Poor's (or equivalent) credit rating of A- or above.
The regular income option is available on either a monthly or annual basis from this fund. You can choose any level of income between 1% and 5% of your initial investment.
The Flexible Asset 30 Day & 90 Day Notice Funds
These are similar to the Variable Rate Fund but require the appropriate notice for withdrawals and switches. In return for the notice periods the rates offered are usually higher than the Variable Rate Fund.
You can top-up your Bond at any time - the minimum top-up is £50,000.
For full investment details please read the Flexible Asset Bond Literature. For details of our current Flexible Asset Bond rates click here.
For more information please read the Flexible Asset Bond literature.
Our products are not suitable for lower rate or non-taxpayers.
Guaranteed Bond
This is a single premium life assurance plan which provides you with 3 investment options:-
- Option 1:
A guaranteed level of monthly or annual income over a chosen investment period of 1 to 5 years plus the return of your original investment. - Option 2:
A guaranteed level of capital growth plus the return of your original investment over your chosen investment period of 1 to 5 years. - Option 3:
A Guaranteed level of capital growth plus the return of your original investment at the end of your chosen investment period of 6 months to 2 years.
The interest rates available will depend on the amount you choose to invest, how you choose to receive your income and the period you choose to invest.
For more information please read the Guaranteed Bond Literature.
Our products are not suitable for lower rate or non-taxpayers.
