Bond Series Four is Maturing on 28th February 2022

It’s time to decide what steps to take next to keep your money working for you

On Monday 28th February your funds will be available in your account

The target interest rates for Bond Series Four were 6.75% per annum for the option with interest paid at maturity, and the Bond is maturing having delivered these target returns.

On 28th February, the Bond will mature on your original funds and they will be available – along with either your total interest gained or your final quarterly interest payment – in the bank account from which you made your original deposit.

You can login to your account today and check the performance of your investment and discover your total returns in the "Portfolio" section of your Dashboard.

You now have three options

When Bond Series Four matures and your capital and interest has been returned to your bank account, there are three individual options to consider in regards to what you do next.


Reinvest Direct icon

Reinvest Direct

Bond Series Seven and Eight will launch publicly on 1st March 2022, however as a Bond Series Four investor, you have early-access and can invest as soon as Series Four matures on 28th February 2022. With target rates of up to 7.75% per annum, you can seamlessly reinvest your funds into the latest Bond Series of your choice in exactly the same way you invested in Bonds Series Four.

Reinvest in a Tax-Wrapper icon

Reinvest in a Tax-Wrapper

Direct investments are eligible for income tax. At CARLTON Bonds, we provide a number of alternative investment routes into our Bonds, including via our Innovative Finance ISA (IFISA), your Self-Invested Personal Pension (SIPP) or your Small Self Administered Scheme (SSAS), all of which provide tax-free returns.

Withdraw icon

Withdraw

Your funds will automatically be withdrawn from Bond Series Four on 28th February 2022 and will be available in your bank account shortly after. You do not need to initiate the withdrawal of your investment and capital. It will happen automatically.

Option 1: How to Reinvest Directly

If you choose to once again reinvest direct, you will be able to do so into Bond Series Seven and Eight from 28th February.

To ensure you are able to receive early-access to Bond Series Seven and Eight, please login to your CARLTON Bonds account prior to completing the steps outlined below.

You can calculate your target returns today using the button below and from 28th February onwards, simply choose your preferred two or four year quarterly or maturity-based Bond and follow the process to invest, choosing 'DIRECT' option once prompted.

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Option 2: How to Reinvest In A Tax-Free Wrapper

It is important to remember that returns on any DIRECT investments are eligible for income tax and we provide a number of other routes to making investments into our Bonds Series, including via our Innovative Finance ISA (IFISA).

As with our DIRECT option, you can calculate your target returns today and from 28th February onwards, simply follow the process to 'Invest', choosing the 'IFISA' option once prompted.

Option 3: How to Withdraw

Your funds will automatically be withdrawn from the CARLTON Bonds Bond Series Four on 28th February and will be available in your bank account shortly after.

You do not need to initiate the withdrawal of your investment and capital. It will happen automatically.

At this point, your money will no longer be generating a return for you as part of a CARLTON Bonds Bond.

Don't Forget: Your ISA Allowance Resets On 6th April

The tax year end is on the horizon and if you haven’t used this year’s annual ISA allowance there’s still time to do so on or before the 5th April 2021. The current allowance is £20,000 and remember if you don’t use this allowance before 6th April 2022 you will lose it for this particular tax year.

  • Using any uninvested 2021/22 ISA Allowance

    From 28th February – when our new Bond Series' open exclusively to you – you can utilise any uninvested ISA allowance you have for the current 2021/22 tax year. As with Bond Series Four, there are a number of options available to suit your preferences and requirements in regard to Bond duration and interest payments.

    You can find out full details of Bonds Series Seven and Eight and calculate your targeted returns here.
  • Planning for your new 2022/23 ISA Allowance

    From Wednesday 6th April 2022, you will have a fresh opportunity to deposit up to £20,000 within an ISA wrapper. Our Bonds Series Seven and Eight will both remain open into the new tax year and therefore you are able to once more target tax-free returns of up to 7.75% per annum with an IFISA investment.

    Full details of Bonds Series Seven and Eight will remain available here – alongside our target returns calculator - into the new tax year.
  • Transferring In

    For investors with funds in ISAs with other providers, there is the option to transfer funds in from these existing ISAs into the CARLTON Bonds IFISA. For Cash ISAs in particular, where interest rates are as low as 0.01%, this may be a particularly useful option for experienced investors. Importantly, a Cash ISA is a low risk/low returns savings product, whereas the IFISA (similar to a Stocks and Shares ISA) is an investment product. As with all investment products, your capital is at risk and returns are not guaranteed.

    You can facilitate a transfer into your CARLTON Bonds IFISA by logging into your CARLTON Bonds account, navigating to your 'Profile' and 'IFISA Details' then choosing 'Transfer In'.

Discussing Your Options Further

We appreciate there are a number of options to consider and you may find it beneficial to arrange a call with our Head of Investor Relations, Dan Smith, to discuss your individual circumstances and options further.

You can do so by arranging a time directly in Dan's diary at a time convenient for you.

Thank You - Your Investment Has Been Instrumental In Supporting The Delivery Of High Quality New Housing Developments.

Investing into CARLTON Bonds is about more than achieving a financial return. Your investment has a genuinely positive impact on the chronic housing shortage in the UK.

You can find exactly how your investment has delivered more than just a financial return in our case study.

Download now
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Risk Warning

The CARLTON Bonds product is available solely to experienced investors who are certified as Sophisticated, High Net Worth or Professional investors. 

Investment through CARLTON Bonds plc places your capital at risk and returns are not guaranteed. Past performance is not a reliable indicator of future performance. CARLTON Bonds does not make personal recommendations or give advice. Before investing, you should make sure that you fully understand the risks which are set out in the Information Memorandum and determine whether the investment is suitable for you on the basis of all the information contained therein. Bonds are not readily realisable and are not subject to the same protection from the Financial Services Compensation Scheme (FSCS) as deposits. Tax treatment depends on individual circumstances of each investor and may be subject to change in future. If you are in any doubt about the contents associated with the CARLTON Bonds platform and Information Memorandum or the action you should take, we strongly recommend consulting an independent financial advisor.

The content of this promotion has not been approved by an authorised person within the meaning of the Financial Services and Markets Act 2000. Reliance on this promotion for the purpose of engaging in any investment activity may expose an individual to significant risk of losing all of the property or other assets invested.

CARLTON Bonds PLC is a company registered in England and Wales (no.11786534) with registered office at 15 Parsons Court, Welbury Way, Aycliffe Business Park, County Durham, DL5 6ZE.

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CARLTON Bonds, 15 Parsons Court, Welbury Way, Aycliffe Business Park, County Durham, DL5 6ZE, United Kingdom

info@carltonbonds.co.uk
0330 124 1590

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