Investment Bonds

Norwich Union's Portfolio is an onshore investment bond that allows you to invest a single lump sum into a wide range of funds.

• You can invest for the long term for potential capital growth or to provide an income, or a combination of both.
• With access to funds from Norwich Union and other top fund providers, you can tailor your investment to suit your needs.
• The value of all our funds can go down as well as up and is not guaranteed, so you need to choose the fund(s) that suit you best according to the levels of risk and return you are looking for.
• Talk to your adviser and find out how to apply for Portfolio.

Talk to one of our advisers on 0800 092 7872*. Any advice given will relate only to the products sold or marketed by Norwich Union.

The longer term investment with the potential for growth

Portfolio gives you access to a wide range of funds in which you can invest your money for the long term. It aims to increase the value of your money or provide you with an income.

What is Norwich Union's portfolio?

Portfolio is an onshore investment bond - this is an investment that offers some life insurance cover and certain tax benefits. It allows you to invest a single lump sum (the minimum amount is £5,000) with the aim of providing potential capital growth, an income or a combination of both. It has no fixed term, but is designed to be a long-term investment.

Your money is invested in a fund or funds, which are actively managed by expert fund managers. Portfolio offers you a wide choice of funds managed by Norwich Union and other leading fund providers. Each fund carries a different level of risk and potential return, depending on what types of assets it invests in. As your circumstances and financial needs change, you can move your money from fund to fund, perhaps changing from a growth fund to one that aims to provide you with an income, although there may be a charge for this.

Things to think about

• The value of your investment can go down as well as up and any income from it can vary.

• Unless you choose to invest in one of our funds with a fifth or tenth anniversary money back guarantee and move your money out of the fund at the time when the guarantee applies, you may get back less than you originally invested.

• If you need to cash in your bond or access your money in the first five years, early exit charges may apply. You can find out more about our charges (PDF)

• Find out more about the benefits and risks of bonds

If you're not sure it's the right type of investment for you, we can help you decide.

Other useful information

• Find out more about tax rules and tax planning
• Download our product guides for more information

How to apply

If you think that an investment bond is right for you, find out more about how to apply for Norwich Union's Portfolio. You may also want to talk it over with a financial adviser. If you don't have an adviser, you can find one in your area at www.unbiased.co.uk.

You can talk to one of our advisers on 0800 092 7872*. Any advice given will relate only to the products sold or marketed by Norwich Union.

* Lines are open Monday to Friday 8am - 9pm, Saturday 9am - 5pm and Sunday 10am - 4pm. Calls may be recorded and/or monitored.

WC02066 09/2008