You’ve worked hard for your money, now make your money work for you! No matter what your appetite to risk is, we have an investment Bond to suit you!

With deposit rates at an all time low and some Banks even charging negative interest rates, more and more people are looking for alternative options for their cash.
We have a wide range of Investment Bonds to choose from, here are just a few. Available to Individuals, Corporates, Pensions, AMRF/ARFs

Capital Protected Bonds – Best of Both Worlds

Invest in a Capital Protected Bond and get the best of both worlds. Have your initial capital protected in a downturn while also benefiting from investing in a potentially high returning underlying asset/index. Choose from 80%, 85% or 90% capital protected Bonds.

  • Minimum term generally 5 years
  • Minimum investment starting from €25,000
  • Profits generally subject to either Capital Gains Tax or Income Tax. Capital Gains Tax is 33% with an annual exemption limit of €1,270 for individuals or €2,540 for couples.
  • Income Tax is dependent on your earned income but could be as little as 20%


Kick Out Bonds:

Relatively new to the Irish Market, Kick Out Bonds offer you the opportunity of receiving high returns even if the underlying basket is only in slightly positive territory with some offering a return even with a negative performance. Soft Capital Protection applies

Profits subject to either Capital Gains Tax @ 33% with an annual exemption limit of €1,270 for individuals or €2,540 for couples

  • Max term generally 5 years
  • Minimum investment starting from €25,000


Investment Funds

Every life insurance company has a wide selection of Investment funds to suit everyone’s taste and appetite for risk. You can choose funds with a high equity content, commercial properties, commodities, fixed interest securities issued by Governments and large companies or a mixture of all of these.

Most people tend to invest in the mixed asset funds as you have diversification within the fund. These are generally known as Managed Funds. All funds are now graded according to level of risk. The higher the risk the higher the potential return. To guide you, funds are typically graded on a scale of 1-7 with 1 being the lowest risk (deposit) and 7 (100% equities) being the highest risk.


Income Bonds:

An Income Bond provides you with an annual income. The amount of Income you receive depends mainly on the level of risk you are willing to take.

  • Minimum term generally 5 years
  • Minimum investment generally €25,000
  • Income payments subject to Income Tax.
  • We have a selection of Income Bonds to choose from.

WARNING: Past performance is not a reliable guide to future performance. The value of investments may go down as well as up.

Need Some Guidance?

Call us on:
Tel: (059) 913 3800