Investment Bonds are very versatile. This is because no matter what your attitude is towards risk, there is an investment bond that will be close to your requirements. However, most bonds are designed for investment over at least five years. So, if you cash in your investment before that time, you are likely to be charged an early surrender penalty.

These bonds are set up through insurance companies without the need for a check on your health status and normally people of any age can hold a bond.

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