What is an Investment wrap?

A Wrap Account is an administrative service that combines or wraps, all of a client’s investment into a single manageable account. This means that your total Portfolio could be viewed at a glance. It is not a product in which to invest, but rather a service.

A Wrap is available on line and lets Financial Advisors manage all their clients’ assets in one place whether these are held directly or through a “Tax-Advantaged” wrapper such as stocks and shares, ISAs, Offshore bonds and pension investments.

Examples of what facilities/services an Investment wrap may offer:

• Carry out on-line valuations and dealings on your investments
• View your Portfolio on line, this access permits more timely investment advice.
• Implement your investment decisions quickly
• Have access to a wide range of investment groups, fund managers and their respective investment funds.
• Pays out regular income or ad hoc withdrawal amounts
• Provides you with a tax consolidation statement, which enables you to report any tax received by your investment easily to HMRC.
• Provides cost effective purchasing of investments through the investment wraps economies of scale

Accounts often featured in investment wraps include:

• Individual Savings Accounts (ISA)
• General Investment accounts for surplus funds not eligible for investment ISA’s at that time
• A Person Pension Plan
• A Self-Invested Personal Pension Plan
• An Onshore Life Investment Bond
• An Offshore Life Investment Bond
• Facilities to assist with placing investment in Trust

As with any stock market based investment plan, the value of your investments can go up or down and may even be worth less than you paid in.

If this sounds of interest to you please contact us for further details.