The value of investments can go down as well as up, and your clients could get back less than they paid in. Laws and tax rules may change. Tax treatment will depend on individual circumstances, including where your clients live in the UK. This information is based on our understanding at September 2021.

Wrap products

Wrap makes it easy to support a wide range of products to suit your clients’ portfolio needs.

  • SIPP

    Gives clients more flexibility when investing and managing money or taking an income.

    • A tax efficient way to save for retirement
    • A wide range of bespoke investment solutions to a range of specialist investments
    • Clients have flexible access to their pension fund
    • Provides benefits for dependants upon death
    Read more about Wrap SIPP drawdownLiterature for Wrap SIPP
  • ISA

    We offer a Stocks and Shares ISA with extensive investment options.

    • An opportunity for capital growth, regular income or a combination of both
    • A wide fund choice from a variety of fund managers
    • Access to all the main asset classes, investment styles and risk profiles
    • Flexible remuneration that you can agree with your client
    • 100% investment allocation options
    Literature for Wrap ISAs
  • Personal Portfolio

    With the personal portfolio your clients can hold a range of investments outside a tax wrapper.

    • Automatically given to every client with a Wrap account
    • Works just like our Wrap Stocks and Shares ISA, with different tax treatment
    • Because it is not considered as a tax wrapper, a wider choice of investments are available, including various trust, UK equities and gifts
    Literature for Wrap Personal Portfolio
  • Wrap Cash account

    Each client automatically receives a Wrap cash account to manage uninvested funds.

    • Holds client money either pending an investment decision or to combine income from other wrappers before paying it out to your client
    • Unlimited withdrawals at any time
    • Withdrawal payments will normally be transferred to the client’s nominated account
    Literature for Wrap Cash account
  • International Portfolio Bond

    This flexible Bond offers wide investment choice in a tax-efficient environment.

    • A lump-sum, non-qualifying, whole of life, investment linked life assurance contract
    • Choice of over 2,500 investment funds, on platform discretionary managers, off-platform discretionary managers, deposit accounts, and structured deposit accounts
    Literature for Wrap International Portfolio Bond
  • Onshore Bond

    Our tax-efficient Onshore Bond gives your client access to a wide choice of insured funds.

    • A lump-sum, non-qualifying, whole of life, investment linked life assurance contract
    • One-off or additional single payments can be made
    • Available to individuals and trustees
    • Eligible to UK residents age 18 to 89
    Literature for Wrap Onshore Bond

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  • Call us: 0345 279 1001

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