Platform

Our self-service platform enables you and your clients to access a comprehensive range of investment vehicles and products, including some with the potential to enhance the tax efficiency of investment portfolios.

We designed the platform for you and your clients with four principles in mind:

• Simple
• Focused
• Efficient
• Helpful

The following products are available through the Platform:

• General Investment Account - A flexible account that allows your clients to hold a variety of savings and investments.
• Individual Savings Account (ISA) - Helping your clients make the most of their annual tax-free savings allowance.
• Junior Individual Savings Account (JISA) – Allows your clients to make contributions to a tax efficient investment for their child.
• Personal Pension Plan - Helping your clients build and enjoy their retirement wealth using a tax-efficient method.
  
  

Investment choice:

Your clients have two choices of where to invest when using our  Platform:

• Risk-rated model portfolio solutions - Clients can choose from 3 ranges of portfolios depending on their risk rating – actively managed, index-linked and socially responsible model ranges available. Find out more here.

• Other funds - We also offer access a wide range of external funds and, if you are applying online, you may also be able to transfer funds into your ISA or General Investment Account from existing, similar sources held with other companies without having to cash them in. This process is called re-registration.
  
  

Flexible access to investments

At some point your clients will want to realise some or all of their investments and we aim to make it as easy as possible for them. 

Your clients can make withdrawals in any one of three ways from their Platform ISA, Junior ISA or General Investment Account :

• On an ad-hoc basis.
• By choosing a fixed, regular withdrawal.
• By using our “Income Sweep” facility, which allows them to enjoy the natural income that may be generated by their investments.

When it comes to taking money from their Personal Pension plan in retirement, we’ve created a “flexi access” facility, which allows your clients to:

• Keep money invested.
• Make lump sum withdrawals.
• Take a regular income.
• Or any combination of the above

It’s up to you and your clients, and there’s no charge for withdrawing funds.