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Selection of ‘tax wrappers’ – ways to hold your investments

 A tax wrapper is a financial product, such as a Pension, ISA or Insurance Bond, within which your investments can be held, each offering certain tax benefits.

Once we have established your financial goals we can begin to determine the most appropriate tax wrapper(s) to meet your needs. Tax treatment depends on the individuals circumstances of each client and may be subject to change in the future. 

You may already hold a number of tax wrappers from a variety of different companies. The downside of this is that it can create lots of paperwork, arriving at different times of year, in different formats.

This can make it difficult for you to manage and monitor your portfolio and ensure that your investments are performing as expected and remain in line with your risk profile.

Nowadays it’s different, and for many of our clients we recommend investing via an ‘investment platform’. This is a way to hold, monitor and manage all of your investments in a single place. It brings personal investing up to date. Just as supermarkets changed the face of shopping, the investment platform offers improved convenience, choice and value for money.

 Our investment platform partners offer a full range of tax wrappers:

  • Individual Savings Account (ISA)
  • Unit Trusts/Open-Ended Investment Companies
  • Personal Pension (including Self-Invested Personal Pensions)
  • Onshore Investment Bond
  • Offshore Investment Bond, Bonds Pensions ISAs Bonds Pensions ISAs

"Each tax wrapper offers certain tax benefits – our role is to identify those which work best for you."