Standard Life has relaunched its tailored investment bond and re-entered the onshore investment bond market, in response to inheritance tax (IHT) and capital gains tax (CGT) changes affecting advisers’ clients.
Impending IHT changes include amendments to agricultural and business property reliefs from 6 April 2026, as well as IHT on pensions from 6 April 2027. Recent Standard Life research has found that advisers estimate around 40% of clients need a review of existing plans as pensions are brought into IHT's scope. Trusts and offshore bonds were said to be the top non-pension products advisers believe will grow in popularity following the IHT on pensions rule change. Standard Life's tailored investment bond is a "tax efficient" onshore bond that "offers broad investment choice, including...
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