Flexibility that fits every plan
With tax rules changing and client needs evolving, flexibility that fits has never mattered more.
Our Tailored Investment Bond (Onshore Bond) combines proven tax-efficiency with new multi-asset fund options and digital management through Dash.
All backed by long-term stability and the strength of Standard Life.
A modern, easy-to-use Bond built to fit your clients. Whatever tomorrow brings.
How it fits together
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Tax flexibility
Built-in tax advantages
Clients benefit from 5% tax-deferred withdrawals each year, with unused allowance carried forward for ultimate flexibility. There’s no Capital Gains Tax and basic rate tax is already accounted for within the Bond.
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Investment flexibility
Choice that adapts to every client
Choose from a diverse range of insured funds, including multi-asset solutions from trusted names like HSBC and Vanguard. Investments can be switched at any time, giving you confidence to adapt your clients’ investments as their goals evolve.
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Adviser flexibility
Everything in one digital dashboard
Use Dash, our adviser dashboard, to handle adviser charging, view valuations, generate detailed reports, and manage investments. All in one digital place, making it easier for you to manage.
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Inheritance flexibility
Flexible trust and assignment options
The Bond can be placed in trust, through an existing trust or through Standard Life’s Discounted Gift Plan, Loan Plan and Gift Plan, helping your clients manage inheritance tax planning. Easily assign the Bond in full, or in part, to support intergenerational planning.