Onshore Bonds Special Edition 2015
In this issue
Picking a wrapper
When considering lump sum investments, ISAs are generally considered ideal, however, the amount that can be invested is limited, therefore the choice of tax wrapper for the surplus is important. In this article we look at the advantages and disadvantages of bonds and collectives regarding not only tax but also product options.
How can onshore bonds be better? I don’t believe it!
This article includes some number crunching to help demonstrate when an onshore bond can be superior to collective investments including examples of the effect on the potential returns.
Onshore bonds: unfairly unloved
This article explains why onshore bonds are still a viable recommendation for a lump sum investment. Many do not realise that the tax paid within an onshore bond can produce favourable treatment for many investors and that they can produce superior returns to other options such as collectives.
Trustee investment in onshore bonds
There are billions of pounds invested in trusts, whether through private arrangements or life assurance/company trusts. In many cases a review of the trustee investments is long overdue and portfolios need restructuring.
Wrapper selection: a mathematical approach
This looks at an investment wrapper comparison tool and how the results can vary depending on the assumptions used. This can give a strong indication as to the tax treatment of the different wrappers, both onshore and offshore, and which wrapper may provide advantages in particular circumstances.
Planning an exit
This looks at all the considerations when choosing the best strategy for a client when they need to withdraw money from their investments. Of course, circumstances change and it may not be easy to predict the changes that may occur, but we look at how tax can be minimised on exit.
Warning: The information in these articles was correct at the date of publication issue and may have changed since that date.