Adviser tax toolkit: Exploring the role of onshore bonds

Wrapper creates more control over how and when clients pay tax

clock • 6 min read

As taxes are set to increase onshore bonds offer an important tool to protect client wealth against their effects, writes Matthew Morris

The unwinding of most of the former Chancellor's Mini Budget means the expected reductions an individual was going to see in their annual tax burden will not take place for the foreseeable future. So the place of tax-effective wrappers like onshore investment bonds complementing the mainstay wrappers of pensions and ISAs continues to increase in importance when it comes to protecting and growing client wealth. Advisers, more than ever, need to use all tools at their disposal to provide well-balanced income and growth for clients in the current tumultuous climate. Onshore investment bonds...

To continue reading this article...

Join Professional Adviser for free

  • Unlimited access to real-time news, industry insights and market intelligence
  • Stay ahead of the curve with spotlights on emerging trends and technologies
  • Receive breaking news stories straight to your inbox in the daily newsletters
  • Make smart business decisions with the latest developments in regulation, investing retirement and protection
  • Members-only access to the editor’s weekly Friday commentary
  • Be the first to hear about our events and awards programmes

Join

 

Already a Professional Adviser member?

Login

More on Tax planning

Reliable Returns: Foreign equity returns and the growing significance of operational leakage

Reliable Returns: Foreign equity returns and the growing significance of operational leakage

'The strategic case for foreign equity exposure remains compelling'

Steven Everard
clock 27 March 2026 • 4 min read
HMRC apologises for complaints delays

HMRC apologises for complaints delays

Taxpayers face long waits

Laura Miller
clock 26 March 2026 • 2 min read
Majority of UK adults oblivious to pensions IHT change - research

Majority of UK adults oblivious to pensions IHT change - research

Standard Life research finds 89% have little or no awareness about upcoming IHT pension changes

Martin Richmond
clock 24 March 2026 • 3 min read