Refinancing

&lt;p&gt;&lt;span lang=&quot;EN-GB&quot;&gt;&lt;span&gt;Take the &lt;span&gt;guaranteed equity bond&lt;/span&gt;. The very name offers it’s the perfect investment: it’s a bond, so you think it is safe; it’s guaranteed, so it’s extra safe; but it’s also got equities in it so it’s a little bit racy too. All in all, it appears to offer upside with no downside. &lt;/span&gt;&lt;/span&gt;&lt;/p&gt;<br>&lt;p&gt;&lt;span lang=&quot;EN-GB&quot;&gt;&lt;span&gt;But strip the marketing veneer from most GEBs and they don’t look quite so good.&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;<br>&lt;p&gt;&lt;span lang=&quot;EN-GB&quot;&gt;&lt;span&gt;There’s the current advancing &lt;span&gt; &lt;/span&gt;from Birmingham Midshires, for instance. It offers a return of 19% over three years as long as the FTSE 100 index doesn’

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