Wrap products

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
• Minimum investment amount is £10,000 (No minimum amount for additional single or transfer payments)

Read more about Wrap SIPP

Documents for Wrap SIPP

With the personal portfolio your clients can hold a range of unwrapped investments.

• Every Wrap account can hold up to five personal portfolios, allowing your clients to specify investment strategies for a particular purpose (Trust accounts cannot hold multiple personal portfolios)
• Two CGT tools to support advisers when calculating CGT for clients – a CGT report showing gains and losses of disposals on the platform, and the Capital Gains Tax Scenario Tool allows you to model the impact of trades on a client’s CGT position based on a range of scenarios
• Wide choice of investments are available including mutual funds, exchange traded instruments and model portfolios

Documents for Wrap Personal Portfolio

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

• An opportunity for capital growth, regular income or a combination of both
• Wide choice of investments are available including mutual funds, exchange traded instruments and model portfolios
• Minimum investment amount is £500 (Lump sum), £250 (additional single) and £50 (regular)
• If you withdraw money you may replace the withdrawal in the same tax year without the replacement counting towards your ISA maximum subscription limit

Documents for Wrap ISAs

Our Wrap Junior ISA is available to existing Wrap clients, offering a tax efficient way to save and invest for a child (the “Junior”).

• No platform charge until the Junior turns 18 and the Junior ISA is automatically converted into a standard Stocks and Shares ISA
• Wide fund choice from a variety of fund managers and model portfolios
• Access to all the main asset classes, investment styles and risk profiles
• Flexible remuneration that you can agree with your client
• Minimum investment amount is £500 single, £50 monthly, £150 quarterly, £300 half yearly or £500 yearly
• Withdrawals only allowed once the Junior is age 18
• Use our online form to apply

Read more and apply for a Junior ISA

We offer a range of cash deposits that are fully integrated on Aberdeen Wrap.

• Wide range of cash deposits at competitive rates

A range of fixed term deposits and notice day accounts to suit a variety of client investment goals.

• Active cash management made easy

Get a holistic view of your client’s portfolio and move money quickly and easily between investments and cash deposits, supporting better client outcomes.

• Everything in one place, powered by Wrap

Cash solutions are fully integrated so you can benefit from Wrap’s comprehensive functionality to help service your clients more efficiently.

Read more about cash solutions

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 4,000 investment funds, on platform discretionary managers, off-platform discretionary managers, deposit accounts, and structured deposit accounts
• Minimum investment amount is £20,000

Read more about International Portfolio Bond for Wrap

Documents for International Portfolio Bond for Wrap

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
• Minimum investment amount is £5,000 (£60,000 for a Discounted Gift Plan)

Documents for Wrap Onshore Bond

Each client automatically receives a 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
• No restrictions on withdrawals
• Withdrawal payments will normally be transferred to the client’s nominated account

Documents for Cash account

Estate planning is all about ensuring that family wealth passes into the right hands at the right time, with minimum liability to inheritance tax. We not only offer effective estate planning solutions but also expert guidance and support that helps you to make the right decisions for your clients.

More about estate planning