International Portfolio Bond

The level and shape of Adviser Charging is agreed between the Adviser and their client.

There are three types of Adviser Charge that can be applied to the bond:

• Initial Adviser Charge: deducted from the initial investment before it is invested in the bond.
• Ongoing Adviser Charge: regular deductions which are treated as withdrawals from the bond for the 5% tax-deferred allowance. The form to add or manage an existing charge can be accessed through the online services.
• Ad hoc Adviser Charge: can be used to meet one-off charges. These charges are treated as withdrawals from the bond for the 5% tax-deferred allowance. The form to add or manage an existing charge can be accessed through the online services.

Further information can be found in our Fast Facts

A regular charge deducted from the bond (monthly, quarterly, half-yearly or annually) to cover the cost of investment advice. The combined total of Investment Adviser Charges and Ongoing Adviser Charges cannot exceed 1% of the bond value in any 12 month period. The form to add or manage an existing charge can be accessed through the online services.

These charges do not count as withdrawals for the purposes of the 5% tax-deferred allowance.

Further information can be found in our Fast Facts

This is a monthly charge and is dependent on the total value of the bond, as shown in the table below:

Further information can be found in our Fast Facts

All funds have an Annual Management Charge (AMC) for managing the investment. This charge is reflected in the fund's unit price and may vary between funds. Further information can be found in our Fast Facts

In addition to the AMC, there may be other costs associated with managing the fund, such as property maintenance or infrastructure-related expenses. Where applicable, these costs are paid by the fund, will affect its overall performance, and may vary over time. For further details please see: International Portfolio Bond monthly fund list