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INVESTMENT ACCOUNTS

There are many different ways to access our portfolios in a highly tax efficient manner. The three main forms of investment accounts are SIPPS/Pensions, ISAs & GIAs (General investment Accounts). Below we provide an overview of the tax treatment of each account.

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ISAs

ISAs, or Individual Savings Accounts, offer completely tax free investing and withdrawals. There are two main typyes of ISA, Stocks & Shares ISAs and Cash ISAs, plus additional subsets (Junior ISAs, Lifetime ISAs, Innovative ISAs).

Intelligent Money offers Stocks & Shares ISAs and Junior ISAs for your clients to hold our range of fully managed investment portfolios within

SIPPS & PENSIONS

SIPPS, or Self Invested Personal Pensions, offer a full rebate of income tax on money invested. The terms are often confused, but all SIPPs are Pensions and today most pensions are SIPPs, in that they offer you a degree of investment choice.

Intelligent Money offers SIPPs and Pensions with full SIPP functionality. These can hold our range of fully  managed portfolios, third party platform investments and commercial property.

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GIAs

GIAs, or General Investment Accounts, are standard taxable investment accounts. You pay income tax as normal on any money going in and on any income generated. There is also Capital Gains Tax on any growth, payable when taken.

Intelligent Money offers GIAs in which your clients can hold our range of fully managed investment portfolios.

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ISAs

Minimum:    None

Maximum:   £20,000 a year

Lifetime:      None

Charges:      None

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PENSIONS & SIPPS

Minimum:    None

Maximum:   £40,000 a year

Lifetime:      £1,073,100

Charges::     None (our portfolios)

Platform:      £195 a year

Drawdown   £90 a year

Other:            See Fee Schedule

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GIAs

Minimum:    None

Maximum:   None

Lifetime:      None

Charges:      None

CONTRIBUTION LIMITS & WRAPPER CHARGES

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