What’s coming up at Fluid: Our new Fluid Bond features

15th October 2018

Our team is full speed ahead in developing new ways for existing and new investors to invest their money in bonds with us through an Innovative Finance ISA, and we wanted to give you a preview of some new product features that Fluid Bond has to offer.

We’ve got some new features that have just been published that we’re really excited about:

  1. The Invest Monthly Fluid Bond – our new product where you can start small and make investments over time with additional monthly payments. To find out more about our Invest Monthly feature, visit our product page: (link to product page)
  2. Fluid Direct Investment and ISA Wrapper – Potentially increase your savings’ earning potential with direct investment in the Fluid Bond. You could enjoy tax-free* earnings on the first £20,000 invested through an Innovative Finance ISA. However, outside of the ISA directly, there is no limit to your investment when investing direct (subject to maximum subscription limit).

Both of these new product launches will offer our customers more flexibility in how they can access our Fluid Bond product.

Building our new capabilities

Fluid Bond have been working hard behind the scenes trying to build new features for investors to potentially make the most out of their investment in a bond through an Innovative Finance ISA. We’re determined to get it right, which is why we are investing our time into building these new features.

How can investing monthly help you?

Fluid Bond allows you to invest up to £20,000 tax-free* per year through an Innovative Finance ISA. This is not to say you can’t invest more than £20,000 – you can, this is just the allowance that is available on which any returns would be tax-free*.

With Fluid Bond’s new feature of being able to invest monthly, you can now manage your savings and finances more strategically and you have the ability to complete your yearly ISA allowance in bite-size chunks.

Having the capability to choose the date of your investment allows you to find a day that suits you, such as payday or the day that all your bills go out. Each investment that you make into a Fluid Bond will mature 3 years after the investment date, so you could receive a steady income as the bonds mature.

More about our Direct Investment and ISA wrapper

With our new Direct Investment feature, you have the ability to potentially increase your savings and enjoy tax-free* earnings on the first £20,000 invested through the ISA. But you don’t have to stop there with Fluid Bond, there is no limit to your investment when investing directly (subject to maximum subscription limit).

This new feature could potentially be good for those who are just setting up innovative finance or have quite simply reached the maximum of their current ISA allowance.

Is there a catch? No, no catch. The only difference is that returns on investments above the £20,000 threshold are eligible for tax, and as with any investment, your capital is at risk. Our customers can purchase Fluid Bonds and enjoy the benefits of a Fluid Bond wrapped in an ISA while potentially maximising their returns by also investing directly above the £20,000 threshold. Apart from tax, you would still receive the same benefits as investing in the Fluid Bond through the Fluid ISA, including an asset-backed** Bond and Monthly Investment options.

Want to find out more?

Now is a good time to be thinking about investing through an ISA due to yearly allowances. An IFSA is one such way to be able to use this year’s allowances, and more importantly, potentially make the most of your money for the 2018/2019 tax year.

Here at Fluid Bond we are going to be here every step of the way, constantly updating blogs regarding the Bond and Innovative Finance ISAs and what we can do to help you. If there is anything you’d be interested in hearing us cover, please don’t hesitate to contact us at: info@fluidtrust.com or get in touch via one of our social media channels.
Alternatively, if you’re ready to find out if The Fluid Bond could work for you, click here for more information.


Please be aware when investing that your capital is at risk and the value of your investment can go down as well as up. You may get back less than you invested.

*Tax treatment depends on the individual circumstances of each investor and may be subject to change in future.
**The fact that the bond is asset-back would not guarantee that all capital would be repaid. This also means that there is a liquidity risk and there is likely to be a delay in repaying your capital should you request it.