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Capital Access Bond

It's your money. Make it work harder

The NFU Mutual Capital Access Bond is a With-Profits bond that offers investors the reassurance of capital security.

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.

Our Financial Advisers* can guide you through the things you need to consider when investing your money.

*NFU Mutual Financial Advisers advise on NFU Mutual products and selected products from specialist providers.

Full details of this policy can be found in the Guide to the Capital Access Bond document which should be read and understood before you decide to proceed with any purchase.

LET'S TALK

You should be aware that the value of your investment and any income from it may go down as well as up and you may well get back less than invested.

Tax treatment depends on individual circumstances and may change in the future.

Capital Access Bond – The main points

  • 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

Full details are available in the Capital Access Bond Key Features Document.

Should NFU Mutual become unable to meet its financial commitments, the security of money in the Capital Access Bond would be affected.

Our product information is based on NFU Mutual's understanding of current HMRC practice and legislation which is subject to change. For further information call 0800 072 2011 or the 24 hour Capital Access Bond bonus rate line on 0800 072 6060.

Current 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% 0.60%

These rates are Annual Equivalent Rates. Rates apply with effect from March 2016 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.

Take the time
to talk to us


We will help create a picture of what you want to achieve and create a financial plan* that can help you realise your dreams.

LET'S TALK

* Please note

When you contact us we'll explain the advice services we offer and the charges. NFU Mutual Financial Advisers advise on NFU Mutual products and selected products from specialist providers.

For security and training purposes calls may be recorded and monitored.

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