Capital access bond

A secure investment solution

The NFU Mutual Capital Access Bond is a With-Profit bond that offers a secure haven in times of stock market volatility. It is suitable as a short-term investment for those seeking capital security and can be taken out with a minimum opening investment of £25,000 or more.

For simplicity and your convenience, the whole arrangement is run entirely by post.

The capital access bond at a glance

Higher rates for larger investments
Capital security
Penalty-free access to your savings
Minimum initial investment of £25,000
The facility to top up your investment at any time - minimum £500
Regular statements
24 hour bonus rate message line - 0800 072 6060
Non taxpayers are unable to claim tax credits in respect of tax paid on this investment
Tax payers may be liable to tax on withdrawals from the bond, depending on their financial circumstances at the time
You should remember that future inflation could erode the value of your investment

CAB bonus rates

Investment Value (£)	Current interim bonus rate p.a. (net of basic rate tax)	Equivalent gross for basic rate taxpayer	Equivalent gross for higher rate taxpayer
£5,000 - £24,999	0.05%	0.063%	0.067%
£25,000 - £49,999	0.05%	0.063%	0.067%
£50,000 - £99,999	0.05%	0.063%	0.067%
£100,000 - £249,999	0.05%	0.063%	0.067%
£250,000 - £499,999	0.40%	0.500%	0.533%
£500,000 and higher	0.45%	0.563%	0.600%

Notes about the bonus rates

These rates are Annual Equivalent Rates. Rates apply with effect from 1st August 2009 and are subject to change. 'Interest' in the form of a provisional 'interim bonus' is added daily. The final bonus we confirm at the end of the year may be lower than the total of daily bonuses added during the year. Interim Bonuses are paid from a fund on which NFU Mutual pays tax. Non-tax payers are unable to claim tax credits in respect of tax paid on this investment. Taxpayers may be liable to tax on withdrawals from the bond, dependent on their financial circumstances at the time.

The above is based on the NFU Mutual's understanding of HM Revenue and Customs practice and legislation which are subject to change. For further information call 0800 072 2011. 24 hour Capital Access Bond bonus rate line 0800 072 6060. Your enquiry may result in a call from an NFU Mutual Financial Consultant who advises on NFU Mutual products and services, and in special circumstances those of other providers.

The minimum new investment: £25,000. Between 1st May 2006 and 1st February 2007 the minimum new investment was £20,000. Before 1st May 2006 it was £5,000. Full details are available in the Key Features Document KFD/CAB.

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