Independent financial adviser to personal and corporate clients

Tax Efficiency

Efficient Tax Planning determines the type of “wrapper”, i.e. investment contract, in which to house the investment portfolio.

For small lump sum investments, ISAs are ideal, however it is not possible to invest more than £7,200 in any one tax year. ISAs, pension schemes, investment bonds (onshore or offshore), unit trusts or OEIC portfolios are all examples of the different types of investment wrapper available. Deciding which is the most appropriate choice or combination of choices depends very much on your individual circumstances.

In particular, your current tax status, investment timescales and access requirements will have a significant bearing on determining the best course of action for you. Your Investment Manager will discuss the various options available and will recommend a plan that best suits your needs.