An investment that changes as you need it to

If you'd like to explore the benefits of investment but you don't want your money to be locked away, the Synergy Investment Bond is designed to offer flexibility.


The Standard Life Synergy Investment Bond - an overview

What is an investment bond?

Our Synergy Investment Bond is an investment policy for those who want to invest a lump sum (single premium), rather than making regular payments. It's designed to be a long-term investment, with a minimum commitment of five years, building a savings fund over time. There's no fixed term, however, if you choose you can cash in the policy early – bearing in mind that there may be a charge for doing so. You also have the option of making regular or occasional withdrawals. Like all investments, the value of the bond can go down as well as up.


Who is the Synergy Investment Bond for?

This may be the right option for you if you're looking for potential capital growth over the long term, or as a way to complement your pension savings. It's an alternative to having a deposit account, offering a range of options in investments like funds and deposits. Whether it's the right choice for you depends on your goals and your circumstances, so it's always worth speaking with a financial adviser first.


Why choose a Synergy Investment Bond?

A Synergy Investment Bond could help complement your pension savings and help you to reach the financial goals you've set for your future. It offers a range of investment options, as well as the option of making regular or occasional withdrawals. Like all investments, however, the value can go down as well as up, and we would recommend speaking with a financial adviser to make sure this is the right option for you.


Investment options with Standard Life

You have a range of investment options to choose from with Standard Life, so you can be adventurous or cautious or anything in between. You'll find more information about those choices on our investment options page.

Each option carries a different level of risk, so it's important that you understand how they could impact your financial goals by speaking to a financial adviser.

If you're not sure how you feel about risk, our Risk Profiler will give you a starting point – but we'd always recommend speaking with a financial adviser too.


Getting started in investment

Investment is usually a medium or long-term commitment, so deciding on the right products is important. As always, we'd recommend speaking with a financial adviser first. We can't offer you financial advice or make recommendations about which investment might be right for you. 

If you're comfortable taking charge of your own investment decisions, please call us on 01 639 7070 and we'll be happy to:

  • Help you to apply for a product
  • Give you more information
  • Provide investment illustrations and information packs
  • Answer any technical questions
  • Carry out your instructions


Before you apply

The following documents give you important information about the Synergy Investment Bond that will help you be certain it will meet your needs. Please read these in full before you complete the application form.

Key Information Document

Key Features Document

Investment Options Guide


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Warning: The value of your investment may go down as well as up

Warning: This investment may be affected by changes in currency exchange rates

Warning: If you invest in this product you may lose some or all of the money you invest

Warning: The income you get from this investment may go down as well as up