Whether your client wants to save a set amount, take an income, or have tax-efficient access to their capital, we offer a range of flexible investment solutions to help you in the advice and planning process. Through the Skandia Investment Solutions platform we offer an ISA and further opportunities for growth in collective investment schemes through our Collective Investment Account and the Collective Investment Bond.
Skandia protection products provide life cover and can also be used as part of your clients' inheritance tax planning or for business protection. With flexible life assurance products your clients can manage the amount of cover they need over many years.
Skandia offers a number of retirement planning solutions and retirement planning tools to help your clients look forward to the future with confidence.
You can access a range of self-invested pensions and our maximum investment plan. Competing for best pension in the UK is Skandia’s Collective Retirement Account (CRA). The CRA is a registered pension scheme available on the Skandia Investment Solutions platform. It is a truly versatile plan for life, allowing freedom in accumulating pension savings and retirement through flexible and capped drawdown options.
Tax and trusts
Each client will have a very specific opinion on how they want to pass on their wealth and who should benefit. Skandia’s range of trusts is designed for this purpose and can help to limit your clients’ inheritance tax liability.
The Skandia Shield Fund
The Skandia Shield Fund offers investors who may be nervous about market volatility the opportunity for growth, whilst limiting the extent of any potential loss. It is an innovative fund that has its growth derived from a portfolio of international assets, managed to a volatility target of 8%. The fund provides protection of 80% of its highest ever price.
The Spectrum fund range
With Spectrum, our range of six risk-targeted multi-manager funds, you can 'outsource' the asset allocation and fund selection process within a single package, whilst matching the investment to your clients’ attitude to risk. This allows you to focus your attention on your clients’ wider financial planning requirements.
The Generation fund range
The Generation funds are a range of four multi-manager, multi-asset solutions. The funds aim to generate a total investment return of either 3% or 4% ahead of inflation, over a rolling investment period, out of which the funds target an annual income yield of either 4% or 6%. The funds offer an attractive solution for many investors with differing income needs and who wish to manage the scale of capital erosion. As a fully outsourced solution they could form a core component of portfolios for clients needing to draw income from their investments.