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Offshore Wrappers

Offshore Wrappers

An offshore wrapper is a vehicle, operated usually by a life institution, that holds various types and classes of assets. These cannot include hard assets such as a physical property or gold bars, however property funds and gold funds are acceptable assets.

KMI specialise in Offshore Wrappers where we have much experience and in the case of KMI’s recommended offshore wrappers there is no obligation to hold assets offered by the institution operator, assets may be recommended by KMI.

Offshore Wrappers can be an excellent tax planning vehicle for sums of £50,000 or more for medium to long term investments.

They are appropriate because they provide:

  • Virtual tax free growth - Known as ‘gross roll-up’, investments can grow free of year on year capital and income tax charges.
  • No Capital gains on switching funds - Fund switches within these wrappers do not trigger a capital gains tax liability – unlike their on shore equivalent.
  • Tax deferral or avoidance - Up to 5% of the capital can be withdrawn annually with no immediate tax liability. The 5% slices can be accumulated over a number of years and withdrawn together - again, with no immediate liability to income tax. There is no liability to Capital Gains Tax at any time.
  • Inheritance tax planning - Offshore wrappers can be a great help when used under advice to mitigate inheritance liability together with a Discounted Gift Trust.

For more information on the offshore wrapper service we provide, please fill in the quick form and we will call you back at an appropriate time for you.

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