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Segregated Portfolio Service

A wider choice of investment options

Our Segregated Portfolio Service gives you access to a wider range of investment types than those usually available with an offshore bond. Using the Segregated Portfolio Service with our open architecture bonds allows a discretionary fund manager to access equities and bonds directly.

Using a discretionary fund manager

To use this service, you’ll need to appoint a discretionary fund manager. This means you can benefit from your discretionary fund manager’s expertise in stock selection. They will need to have an agreement with us, so that they can access equities and bonds directly.

The discretionary fund manager can step outside the normal HMRC rules that apply to offshore bonds while still meeting HMRC regulations for offshore bonds – as long as they manage the portfolio without influence from you or your adviser.

The benefits

  • A wider choice of investments including direct investment into equities, with greater scope for diversification
  • Create true income portfolios, with direct investment into bonds and other fixed-interest assets
  • The potential to reduce expenses by investing directly rather than through funds
  • Benefit from your discretionary fund manager’s stock selection expertise
  • Switch in and out of the service at any time, without the need to surrender the bond

What are the risks?

The value of your investment can go down as well as up and you may get back less than you invest. Tax rules depend on the type of investment and individual circumstances and may change.

If you’re found to have influenced the selection or deselection of investments, there’ll be significant and adverse UK tax consequences for you. Your policies would be treated as personal portfolio bonds for UK income tax purposes and you would be taxed to income tax each year on a deemed 15% gain.

Speak to your adviser for more information.

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Segregated Portfolio Service partners

See the full list of discretionary fund managers with access to our Segregated Portfolio Service.

Platform partners
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Fund centre

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Additional information

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The Segregated Portfolio Service

The Segregated Portfolio Service is available
through the following products:

Premiere accounts

Wealth Preservation accounts

Controlled Access Account

Important to know

You can only choose our Segregated Portfolio Service if you’re comfortable allowing your discretionary fund manager to make all your investment decisions.

  1. You can’t invest in any of our other investment options while using the service.
  2. Your discretionary fund manager will make investment decisions on your behalf. You and your adviser cannot instruct, or influence your discretionary fund manager.
  3. You can outline your attitude to risk, how long you’d like to hold the investment for and your broad investment aims, such as whether you want to focus on growth or income.
  4. Communication between you or your professional adviser and your discretionary fund manager must go through us.

Is this right for me?

You can only select our Segregated Portfolio Service if you are willing to give up all investment decisions to your discretionary fund manager. If you are not happy to do this, then this investment option is not for you.

You may also be interested in

Discretionary fund managers

Access the expertise of an investment manager.

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Platforms

Use platform functionality with your offshore bond

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Open investment range

Explore investment options for your offshore bond

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Next steps

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Get in touch

Contact our offshore team

+44 1624 820 200

or send an email

Monday – Friday 9am to 5pm

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