Global Select is Hansard’s current single premium, open architecture investment bond for expats and international investors. It is sold through advisers by Hansard International and Hansard Worldwide and replaces the older Hansard Capital Investment Bond. This page explains what it is, the charges Hansard publishes, what it does not publish, and what to ask before investing or if you already hold one.
It is general information for UK expats, not personal advice. Hansard’s product page is written for advisers and does not give the main charging rates. The figures below come from Hansard’s website and its schedule of monetary charges for 1 July 2026 to 30 June 2027. Check every figure against your own illustration.
This guide sits under our section on offshore investment bonds for expats. See every plan we cover on our product reviews page.
Hansard Global Select at a glance
| Feature | Summary |
|---|---|
| Provider | Hansard International Limited or Hansard Worldwide Limited |
| Type | Single premium, open architecture investment bond |
| Status | Current on Hansard’s website. |
| Minimum investment | Not published on the public pages. |
| Investments | Funds, exchange traded funds, shares, fixed interest securities and structured products |
| Who can manage it | You, an investment adviser or a discretionary manager. Existing assets can be transferred in |
| Trust and pension use | Can be held by the settlor of a trust or personal pension scheme, according to Hansard |
| Awards | Hansard says it won Best International Portfolio Bond at the Investment International Awards in 2025 and 2026 |
How Global Select works
You invest a lump sum into a life assurance bond, and the money is invested in assets chosen by you or your adviser. Because it is open architecture, you are not limited to a fixed fund list: Hansard says you can build a portfolio from funds, ETFs, shares, fixed interest securities and structured products. You can move existing assets in, appoint an investment adviser or discretionary manager, or use the bond for trust planning.
Hansard markets Global Select on having the lowest establishment charges and the best illustrated returns, citing independent research. Those are marketing claims for a given date and set of assumptions, so ask for the research and the illustration. The establishment charge rates are not published on the public pages.
Charges: what is published
Hansard’s schedule of monetary charges, valid from 1 July 2026 to 30 June 2027, lists these for Global Select:
| Charge | GBP | USD | EUR |
|---|---|---|---|
| Service charge, quarterly | 147 | 188 | 174 |
| External dealing charge, per transaction | 40 | 53 | 48 |
| Internal dealing charge | Not applicable | Not applicable | Not applicable |
| Monetary minimum in the annual management charge | 0 | 0 | 0 |
The schedule says monetary charges are expressed and charged in GBP, so confirm in your contract documents whether the USD and EUR amounts are converted. Charges can rise each year, normally on 1 July. Withdrawals and surrenders carry a bank transfer charge.
What is not published. The establishment charge, the annual management charge percentage, the minimum investment and any surrender terms are not in the public documents I could find. They matter more than the fixed charges above.
Adviser fees and fund costs. A bond with open architecture adds the costs of whatever you hold inside it, plus any adviser or discretionary manager fee. Ask for the total yearly cost of the whole arrangement.
The UK tax risk for expats
Hansard’s charges schedule treats Global Select among its personal portfolio products. If you become UK resident, a personal portfolio bond can face an annual tax charge on the bond’s value, whatever gains it makes. Take advice before returning to the UK. See our guides to offshore investment bonds and inheritance tax for UK expats, and to wills and trusts.
Questions to ask before you invest
- What is the establishment charge and over how many years is it taken?
- What is the annual management charge, and does it change with the size of the bond?
- What would I get back if I cashed in after one, three and five years?
- Which Hansard company would issue the bond, and what protection applies?
- What would I pay for dealing, adviser and fund costs in total?
- What happens if I move to the UK?
Hansard Global Select: frequently asked questions
1. What is Hansard Global Select?
Hansard’s current single premium, open architecture investment bond, sold through advisers.
2. What can I invest in?
Funds, ETFs, shares, fixed interest securities and structured products, according to Hansard.
3. Can I transfer existing investments in?
Hansard says yes, and you can appoint an adviser or discretionary manager.
4. What are the published charges?
A quarterly service charge of GBP 147, USD 188 or EUR 174 and an external dealing charge of GBP 40, USD 53 or EUR 48 per transaction, as at July 2026.
5. What is the UK tax risk?
If you become UK resident, a personal portfolio bond can face an annual tax charge. Take advice before returning.
6. Can you review my Hansard bond?
Yes. Send us your latest statement and policy documents and we will set out the costs and your options.
Get your Hansard bond reviewed
If you hold Global Select or the older Capital Investment Bond, or are being offered one, we can show you the real cost, the tax position and the alternatives. Request a callback and we will arrange a time that suits your time zone.