Standard Life PLC, formerly Phoenix Group Holdings PLC, is a savings and retirement businesses company. The Company’s products include a variety of pensions, bonds and retirement options to suit people's needs. The Company’s personal pension product offers flexible payments, pension transfers, no hidden charges, easy investment options, and withdrawing money. Its savings options include international bonds (offshore) and tailored investment bonds (onshore). The international bond is an offshore bond provided by Standard Life International DAC in Dublin to UK customers. Offshore Bonds are a tax-efficient way for you to invest money over the medium to long term. This is usually over five years or more. Tailored investment bond, also known as an onshore bond, is an option if we want to raise money over the medium-to-the-long term. This usually means investing for five years or more. The Company also provides financial advice.