Rowan | PEP ISA onshore taxable SIPP SSAS offshore | Creating Portfolios
The portfolio may be in one or more of the appropriate wrappers, i.e. PEP, ISA, onshore taxable, SIPP, SSAS or offshore. Each wrapper may, if required, have a different risk/reward profile, i.e. utilising the tax advantages for income sensitive clients of fixed interest securities within a PEP account.
Typically, a range of portfolios are created using different model profiles, for example favouring ISA or PEP accounts with fixed interest securities for tax purposes. The table below provides an example illustration as to how the Global Portfolio would be typically constructed:
| Portfolio |
Amount Invested (£) | Speculative Equity | Traditional Equity | Fixed Interest | Property |
|---|---|---|---|---|---|
| Onshore taxable | 54,200 | 10 | 65 | 15 | 10 |
| ISA | 7,000 | 0 | 50 | 50 | 0 |
| Consolidation PEP | 24,135 | 0 | 40 | 40 | 20 |
| Pension | 112,000 | 10 | 40 | 40 | 10 |
| Offshore portfolio | 0 | 0 | 0 | 0 | 0 |
| TOTAL | 197,335 | 8% | 47% | 33% | 11% |
Source Rowan.
Based on a portfolio valued at £394,670.
Date 14th August 2006.
This is for illustrative purposes only.
