ASPL Wrap - Making your money work harder for you

Tax efficiency

Under the ASPL Wrap Account, all the following tax “wrappers” are available:

• Individual Savings Account (ISAs & ex-PEPs)
• Personal Portfolio (Unit Trust/OEICs)
• Onshore Bond
• Offshore Bond
• Self Invested Personal Pension (SIPP)

This means that by using one account we can access the most appropriate tax wrapper for savings and retirement and thereby structure each individual's portfolio tax efficiently.

Value

We have researched the evolving marketplace to ensure that ASPL Wrap provides a cost effective home for your money.

There is no cost for switching between funds and in many cases deals have been negotiated to give discounts on the fees traditionally charged to enter a fund. There are also further discounts for Wrap accounts of a certain size.

Wrap can hold Cash at a competitive rate of interest which can be easily spread across your portfolio at the push of a button.

All this means that we maintain the freedom and control to ensure each individual meets their goals as we maintain a focused approach to maintaining the most effective and efficient investment mix for you.

Asset allocation and investment selection

Academic research* continues to support the importance of asset allocation. 91% of a portfolio's return is derived from where it is invested, rather than how much it costs.

An ASPL Wrap Account helps us to create a portfolio for you that has an effective combination of investment funds from various asset classes.

Dovetailing with our proven Investment Process, Wrap gives us access to more than 1850 funds and gives powerful options when constructing a portfolio.

Furthermore, when it comes to review time, we are able to take profits if necessary and rebalance a portfolio across funds and products to ensure it continues to meet an individual's ongoing needs.

The technology behind ASPL Wrap also means that we (and you) can have 24/7 access to your ASPL Portfolio, including valuations.