Is your money working hard enough? If it is sitting in a deposit account earning historically low interest rates then it probably is not. Maybe it's time you reviewed your investment position. Investing your money sensibly can provide you with security for the future.

Acorn Life's Investment Bond

Acorn Life's Investment Bond gives you an excellent opportunity for real growth potential. Our Investment Bond is designed for the investment of a substantial lump sum of money for a period of at least five years. However, to give your investment time to achieve its growth potential, the recommended holding period is at least seven years.

Acorn Life's Investment Bond is a unit-linked investment bond. You can choose to invest in a number of unit linked funds depending on your risk profile.

If you would like to know more about Acorn Life's Investment Bond click here


Your Questions Answered

Here you will find the information you need so that you can make your investment decision with confidence.

What is a Unit Linked Fund?

Unit linked funds are investment vehicles that are available from life assurance companies and investment companies. Returns from unit linked funds will vary depending on the type of fund you choose, where the fund is investing and what type of things the fund invests in.


Acorn Life's Investment Bond offers a range of different funds to meet your investment needs and appetite for risk. Our funds are expertly managed on our behalf by international, well-established and professional fund managers. The factsheets for each of our investment funds provide details such as suitability, fund objective, asset allocations and risk levels. To view the factsheets please click here.

Why should I invest in a Unit Linked Fund?

You should have some money on deposit in a bank for emergencies; however you are unlikely to earn significant interest on a regular deposit account. For longer term savings, you may want to consider investing in assets that offer real growth potential such as stocks and shares. Investing your money sensibly for the long term can enable you to realise some of your dreams.

How does Acorn Life's Investment Bond Work?

Acorn Life invests the initial premium and any subsequent premiums on your behalf in the fund(s) of your choice. The funds are typically invested in equities, unit trusts and Government bonds and are divided into a number of units of equal value, which are allocated to each policy. Each month some of the units are deducted from the fund to cover the cost of the company continuing to look after your policy. The remaining fund is there to provide cash benefits if you choose to surrender your policy in full or in part.

You can make lump sum extra payments into your policy if you wish. This will enhance your fund and provide a higher ultimate return in due course.

How have Acorn Life's Funds performed in the past?

In the medium to long term, stocks and shares are generally expected to give better returns than property or fixed interest securities, which in turn are expected to perform better than cash. This better return comes with the associated risk of volatility: cash will fluctuate least, shares will fluctuate most.


1st January 1991 – 1st May 2023 V1

Source: Acorn Life DAC and Longboat Analytics (part of the MoneyMate Group, accessed on 23/05/2023).  

Basis: Gross returns on Offer to Bid basis after Fund Management Fee of 0.5% p.a. and before policy exit tax of 41% deducted.

Unit prices can fall as well as rise. Returns will depend on actual growth levels achieved. The recommended minimum investment period for the Investment Bond is 5 years.

Note 1: Acorn Life returns quoted are net of the bid offer spread and the annual management charges

Note 2: All returns quoted are before tax has been deducted.

10 Good Reasons for taking out an Acorn Life Investment Bond
  1. Unlimited Growth Potential.
  2. At Acorn Life we offer many different funds to meet your investment needs and appetite for risk. Our funds are expertly managed on our behalf by international, well-established and professional fund managers.
  3. Spread of Investments. Many of our funds provide access to a wide spread of different investments across world markets.
  4. You can make additional contributions to your fund.
  5. You can transfer between funds.
  6. You can take part of your fund at any time.
  7. Transparency and Flexibility Charges are transparent, there is no time limit for your investment and gains can be taken out.
  8. Regular Valuations. Unlike other forms of investments, values on your investment are immediately available on request.
  9. You have flexibility in deciding when you want to encash your investment. We recommend that you take a minimum 5 year view of your investment. However, your investment is open-ended and can be encashed at any time.
  10. An interesting alternative. Low interest rates means that even larger amounts earn little interest. This plan offers you an alternative for your money over the next 5 to 10 years.

For a summary of our Fees and Charges please click here.

Warning: Past performance is not a reliable guide to future performance.
Warning: The value of your investment may go down as well as up.
Warning: If you invest in this product you may lose some or all of the money you invest.
Warning: This product may be affected by changes in currency exchange rates.
Warning: These figures are estimates only. They are not a reliable guide to the future performance of this investment.