Growth Bonds
Compare Growth Bonds
The term Growth bonds means different things to different people. Below we have outlined a range of growth bond options depending on your attitude to investment risk ranging from fixed rate bonds to growth investments which have a defined term and defined return.
There are a number of growth bonds in the market to choose from, allowing you to choose a product that best suits your investment needs and attitude to risk – Compare leading growth bonds and find out more in the table below:
| Provider | Account | Interest Rate (AER) | Term | Apply |
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 The Access Bank UK » | 3 Year Fixed Rate | 2.20% per annum | £5,000 | Apply Now > |
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The Access Bank UK » | 2 Year Fixed Rate | 2.02% per annum | £5,000 | Apply Now > |
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 Vanquis Bank » | 4 Year Fixed Rate Bond | 2.40% per annum | £1,000 | Apply Now > |
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Growth bonds will usually require you to keep your capital locked away for an agreed period of time, usually for a period of five years in order to provide you with some level of growth.
Like all investment products, growth bonds are not always right for everybody. However, because of their structure, they may be right for you if:
- You want the potential returns associated with a stock market linked product
- You a looking for a medium term investment
- You are looking to make the most of your tax efficient ISA and SIPP allowance
- You are prepared to accept a degree of risk that your capital may not be returned in full at maturity
But, growth bonds might not be right for you if:
- You want guaranteed returns and the certainty that you might not get back the full amount of your capital at the end of the term
- You think you might need instant access to your capital
- You do not want the element of risk associated with stock market linked investment products
See the table above for more information about specific growth bonds, and click on the links to apply for product brochures.
With structured investment products like growth bonds, the safety of your original capital depends on the ability of the counterparty (the institution providing the underlying assets, rather than the product provider) to repay your investment at the end of the term. You can assess the strength of a counterparty, and therefore the relative risk to your investment, by comparing their credit rating score, from AAA to D, using a credit rating agency such as Standard & Poor's (www.standardandpoors.com) or Fitch (www.fitchratings.com).
Important Risk Information:
This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.
Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.