Lump sum investments

A range of straightforward investment plans to suit everyone

  • A range of options to suit your needs - whether you're looking for a fixed return over three years, a way to save sustainably or a longer term investment with potential bonuses, we have options to match your goals
  • Grow your savings with confidence - choose from products that offer guaranteed returns or the opportunity to benefit from potential annual and final bonuses
  • Flexible access to your returns - prefer to receive a regular income or let your savings grow? Some of our products allow you to take an income while still benefiting from investment growth

Why invest a lump sum?

Whether you're looking for long term growth, a guaranteed return, a flexible investment, or a regular income from your savings, we have options to suit your needs. Instead of letting your money sit in a low interest account, why not make it work harder for you?

Explore our range of lump sum investment plans below, or visit our Help & Support section to learn more. Not sure which option is right for you? Try our Product Selector or give us a call. Our friendly team is happy to talk you through the choices available.

Our lump sum investment products

Single Premium Investment ISA

Enjoy potential growth on your savings with annual and final bonuses. The best bit? It's tax-free.

  • Invest a lump sum from just £300
  • 2025/26 interim bonus rate is 5.75% before charges
  • Save £20,000 this tax year
Learn more

Investment Bond

Make your money work harder for you with our medium to long-term Investment Bond

  • Invest from £1,000 to £150,000
  • Guaranteed minimum return of your original investment plus 5% after five years
  • Potential for growth through annual and final bonuses
Learn more

Income Bond

Want to see potential growth on your investment whilst taking an income? Our Income Bond could be the perfect plan for you

  • Invest a lump sum of up to £150,000
  • Option to take an income of 1-5%
  • Potential for investment growth through bonuses
Learn more

Capital Plan

Invest a lump sum of £2,500 now and we’ll use it to make annual payments of £270 into a Tax Exempt Savings Plan for the next ten years.

  • A fixed ten year plan
  • Combines an exclusive feeder account with a TESP
  • A guaranteed minimum return
Learn more

Three Year Fixed Bond

Our Three Year Fixed Bond allows you to lock your money away for three years and benefit from a fixed rate of return you can count on.

  • Open with a single lump sum payment - choose an amount that works for you, from £1,000 - £200,000
  • Your interest rate of 4.1% is fixed for the full term
  • Ideal for those who prefer certainty and want to plan ahead without the worry of fluctuating rates
Learn more

Need help choosing the right product?

We created a handy tool to help you make the best decision when it comes to your savings and investments.

Product selector

Risks you should be aware of:

Capital at risk. During adverse investment conditions you may get back less than you invested.

Tax treatment depends on individual circumstances and may be subject to change in the future.

Interim and final bonuses are not guaranteed and may go up or down before being declared.

Three Year Fixed Bond only - You cannot surrender your policy, it must run for the full term. Terms and Conditions apply.

Help & support See all help & support articles

We are here for you at all stages of your journey; our support articles cover a wide variety of topics and are designed to put you in control of your money.

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