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With-Profit Bonds invest in a mixture of shares, gilts, bonds and property, providing smooth returns by holding back money during good years to compensate investors when stock markets fall or increase only slightly. With-Profit Bonds are suitable for low risk investors, maybe approaching or in retirement, who cannot afford to ride out the highs and lows of equity saving. High analysts rating for past performance. Friends Provident are well known for the lowest charged investments and excellent fund managers. The high, first year guaranteed bonus provides a valuable boost to a winning package for a low risk investment and will undoubtedly see the offshore bond climbing higher in the performance tables.