Why choose the Bond and Gilt ISA?

Whether you’re looking to grow your savings or get an income from them, if you’re not comfortable investing in shares, our Bond and Gilt Fund may offer the perfect solution. It offers a higher return than you’d normally get from a deposit account, without dramatically increasing your risk.

Bonds are considered a half way house between shares and a deposit account in terms of risk and return. They offer more security than shares and the interest they generate should outstrip most savings accounts. Since it launched in 1995 our Bond and Gilt Fund investors have enjoyed an average return of 4.66% a year, as this graph shows.

One of the basic rules of investment is that risk and return go hand in hand. At Virgin Money we recognise that to customers investing in a fixed-interest fund, the security of your capital is as important as a steady return on your money.

Our investment approach aims to strike the right balance, by only investing your cash in top-rated corporate bonds with highly creditworthy and well-known companies from Europe and the UK, plus a range of government gilts, which are at the safest end of the spectrum for fixed interest investments.

Here's a full listing of the corporate bonds we currently invest in.

Because bonds and gilts pay out regular interest, you can choose to have this paid out to you as a regular six monthly income, or you can have it reinvested to grow your savings. You just tick the box to let us know when you apply. And you can change your mind and switch whenever you like.