The Three I’s of Investable Capital Report
The 2023 report set out to review in depth the role investable capital plays in the fulfilment of financial plans. This year’s report extends that theme and, takes full account of the taxation changes announced in the 30th October 2024 Budget. It also looks more closely at the growing importance and increased role of onshore investment bonds as part of investable capital solutions and focuses throughout on highlighting the opportunities for advisers to deliver great outcomes for UK Investors.
The topics covered include:
- A summary of the adviser and consumer research informing the report’s findings
- Economic and taxation background to capital investment
- Investment choices available through UK Life insurance bonds
- UK Life company taxation: the foundation to onshore bond tax efficiency
- Onshore bonds for tax effective growth
- Onshore bonds for tax effective income
- An intergenerational approach to financial planning
- The potential use of the onshore bond throughout the financial planning lifetime
- Onshore bonds for charities and companies
- The taxation of currently available capital investment products
