Taking the rough with the smooth: benefits vs the costs

Investment bonds are useful investments for people looking for growth, income or inheritance tax mitigation, but add in an extra layer of charges

According to recent research, when it comes to choosing a provider, no matter what the product wrapper - be it personal pensions, self invested personal pensions (Sipps), onshore bonds, offshore bonds or fund platform products such as Isas and Peps - the underlying fund range is consistently the most important feature advisers look for. This data supports the view that advisers are increasingly looking for a provider to serve as a gateway to a wide fund range, which can be accessed through a choice of tax wrappers. The most appropriate wrapper and underlying investment strategy can then be ...