Choice of place of issue: Isle of Man (Royal Skandia) or Dublin (Skandia Ireland)

Tax-efficient investment wrapper

Freedom to choose from thousands of international collectives

Option to appoint your own professional fund adviser to manage the assets on your behalf

Ability to transfer in and consolidate existing assets

Simplified administration compared to when holding assets directly

Flexibility to change your assets without any tax liability

Easy access to your capital through one-off or regular withdrawals

Designed for UK residents or those who expect to become a UK resident in the future

Executive Bond

Freedom to choose from thousands of international collectives, investment funds, stocks and fixed interest securities

Option to appoint your own professional fund adviser to manage the assets on your behalf

Ability to transfer in and consolidate existing assets

Simplified administration compared to when holding assets directly

Flexibility to change your assets without any tax liability

Easy access to your capital through one-off or regular withdrawals

Designed for non UK resident investors

Freedom to choose from thousands of international investment funds, stocks and fixed interest securities

Option to appoint your own professional fund advisor to manage the portfolio on your behalf

Ability to transfer in and consolidate existing assets

Administration ease and convenience

Flexibility to change your portfolio at any time

Easy access to you capital through one off or regular withdrawals.

European Collective Investment Bond

Tax efficient savings vehicle

Freedom to choose from thousands of international collectives

Option to appoint your own professional fund advisor to manage the portfolio on your behalf

Ability to transfer in and consolidate existing assets

Administration ease and convenience

Flexibility to change your portfolio at any time

Easy access to you capital through one off or regular withdrawals

Freedom to choose from thousands of international investment funds, stocks and fixed interest securities

Option to appoint your own professional fund advisor to manage the portfolio on your behalf

Ability to transfer in and consolidate existing assets

Administration ease and convenience

Flexibility to change your portfolio at any time

Easy access to you capital through one off or regular withdrawals

Flexible investment solution, ideal if you are working on an employment contract abroad

No fixed term

Regular and/or single contributions

Stop, start, increase or decrease contributions as and when it suits you

Easy access

The Executive Wealthbuilder Account has the additional benefit of upfront charging

Market leading maturity values

Simple and cost-effective regular savings solution

Designed for clients committed to investing regularly over the medium to long term

Access to more than 300 international investment funds across a diverse range of currencies, asset classes, sectors and specialist funds

Up to 4% - 5% of account value at maturity depending on savings term.

Access to more than 40 of the world’s leading fund managers