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Paraplanners Assembly 2025: Tax wrappers: which, why and when?

20 Aug 25 60 min watch

Once upon a time, when taxes were relatively low, ISAs and unwrapped investments seemed like pretty obvious choices for clients’ money.

But the big cut in the capital gains tax allowance and rises in tax on gains and dividends has changed things. Tax wrappers that once seemed like more hassle than they were worth (like investment bonds) could now be the ideal vehicle – especially for higher rate taxpayers.

Neil Macleod (Senior Technical Manager, M&G)

They look at how the current tax landscape affects clients and how pensions can help deliver good client outcomes.

60 minute video (approximately)     I     Structured CPD accredited by CII and CISI 

Learning outcomes

By the end of this session, you will be able to:

  • learn from real case studies that compare basic rate versus higher rate taxpayers
  • find out how to use withdrawals strategically to fund ISAs
  • discover why different asset types work better in different wrappers
  • tackle those tricky questions about investing within trusts
  • understand why paying a bit more tax sometimes makes perfect sense

You’ll discover that the right choice for your clients isn’t just about what the spreadsheet says but about the broader thinking.

Download the slides

Claiming your CPD

1. How are UK dividends taxed within a UK bond?

A) Exempt

B) 8.75%

C) 20%
 

2. What's the dividend allowance?

A) £500

B) £2,000

C) £5,000
 

3. Which of these is not a chargeable event for a UK bond?

A) Part surrender in excess of 5% limit

B) Death of last life assured

C) Assignment

1. How are UK dividends taxed within a UK bond?

A) Exempt

B) 8.75%

C ) 20%
 

2. What's the dividend allowance?

A) £500

B) £2,000

C) £5,000
 

3. Which of these is not a chargeable event for a UK bond?

A) Part surrender in excess of 5% limit

B) Death of last life assured

C) Assignment

Before collecting your certificate, please take a moment to provide us feedback on this session, please email prudential.distribution.team@prudential.co.uk

Complete the form below and we’ll email your CPD confirmation to you. Please use the email address that you would usually use when contacting us.

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