Lump Sum Investment - Product ‘Wrapper’ Allocation tool

For financial advisers only

This financial planning tool shows how a lump sum investment could be allocated across three product ‘wrappers’ – ISA, Collective Investment Account and Collective Bond. The tool looks to maximise but not exceed the annual ISA allowance, Personal Savings Allowance, Dividend Allowance and CGT annual Exempt Amount providing a tax efficient approach to investing.

To help, we've created three case studies using the tool.

You will be asked to enter expected rates of return into the tool. This is to predict the level of interest and dividend income that might be generated as well as capital gains. In order to populate the expected rates of return you need to have completed a personalised illustration for each of these products. This will enable you to enter a realistic investment return, net of charges into the tool.

The tool only considers products offered by Quilter, there are many different options available taking into account individuals circumstances therefore this tool is purely illustrative based on the information input.

Any outputs from the calculator should not be taken as offering advice or any recommendation. You should be satisfied that the information contained in the tool is correct, before acting or refraining from acting in reliance upon information given. There might be non-tax reasons for selecting one product over another contrary to the output from this tool which you are responsible for considering prior to any personalised recommendation.

Every care has been taken as to its accuracy, but it must be appreciated that neither Quilter nor its representatives can accept any responsibility for loss, however caused, suffered by any person who has acted or refrained from acting as a result of material contained in this calculator.