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NATIONWIDE'S NEW Guaranteed Equity Bond II is designed for cautious investors who want more than deposit accounts can offer but are nervous about buying shares at current record levels. If the UK, US, European and Japanese stock markets fall over the six-year life of the bond, investors will at least get their money back. There is no income, but investors can get up to 16.66 per cent growth each year, up to a maximum of 100 per cent if all six years meet the annual growth target. Minimum investment is pounds 5,000, no prior withdrawals are allowed before maturity and investors will have to see a financial consultant at their local branch. Alternatively investors could send for Chartwell's free guide to with-profit bonds, including their top 10 recommendations, currently led by the Prudential, Norwich Union and Scottish Widows. Call 01225 321710 to order.