insure & invest

Factfile: Gilts

Lump sum investments: Yes

Regular premiums allowed: No

Flexible payments allowed (stop/start/additional/increase/decrease): No

Investment Risk Profiles Available:

• No Risk funds available
• Low Risk funds

Changing funds and risk profile allowed: No

Moving to another company allowed: No

Life Insurance Included: No

Personal Tax Benefits:

• Capital gains tax free
• Interest paid gross but is taxable

Can be held inside Trust: Yes

Suitable For:

• Children
• Adults
• Business
• Trusts
• Charities
• Non Tax Payers
• Basic Rate Tax Payers
• High Rate Taxpayers

Insolvency Compensation Limits:

Compensation Limits: Not applicable

Secured by British Government i.e. virtually guaranteed security

Brief Description:

Gilts are "Gilt Edged British Government Securities".  They are so called because they have the 'gilt edged' backing of the British Government.  When you purchase a Gilt you are literally lending some of your money to the Government for a given return. You have effectively bought shares in Britain.

You can invest in gilts directly or you can invest in Gilt funds as part of an investment policy.  We suggest you look for fund names such as fixed interest fund and gilt fund.

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