Andy Zanelli, head of retirement planning at AXA Wealth, examines the benefits of ‘true segmentation' within an investment bond.
Every client is unique, with their own set of circumstances, but it is essential that a balanced view to wrapper choice is employed, taking into account all factors relevant for a particular situation. Although onshore bonds have suffered somewhat of a decline in sales since the changes to the capital gains tax regime in 2008, they should still be a main consideration for some clients. One area of focus for advisers currently is developing deeper relationships with professional connections and it is already well established that life assurance bonds have a part to play in the area of ...
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