Introducing our onshore bond
You can now manage AJ Bell Investcentre GIAs within a Countrywide Assured Onshore Bond. This gives you more ways to meet client needs in one place, using the systems you already know.
What is an onshore bond?
An onshore bond is a versatile tax planning wrapper governed by UK corporation tax rules.
As recent changes to CGT and IHT add complexity to the tax landscape, advisers are increasingly turning to onshore bonds as a practical solution for both individuals and trusts. Bonds can help manage tax outcomes over time, and offer flexibility around withdrawals and planning, whilst fitting neatly alongside broader estate and income strategies.
Our onshore bond allows your clients to:
- take up to 5% tax-deferred withdrawals each policy year;
- benefit from top-slicing relief when a chargeable gain arises;
- switch investments without triggering an immediate tax event; and
- place the bond into trust as part of wider estate and intergenerational planning.
It’s a flexible option for clients who want tax efficiency today, and simplicity when planning for the future.
If you’re looking for provider-specific details or next steps, you can go straight to the Countrywide Assured Adviser Hub from here.
The benefits for you and your clients
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Manage everything in one place: oversee onshore bond investments alongside clients’ other AJ Bell Investcentre accounts through our Funds & Shares Service.
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Reduce admin: streamline oversight and reporting, without switching between providers.
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Support broader planning: use the bond within trust and estate strategies, benefitting from segmentation for easier assignment and distribution.
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Investment flexibility: access a wide range of funds and switch between them without triggering immediate tax charges.
Why we’ve partnered with Countrywide Assured
We’ve chosen Countrywide Assured because their long-established onshore bond structure complements our platform.
Together, this partnership gives you:
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the confidence of a proven, robust bond wrapper and associated expertise;
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the efficiency of AJ Bell Investcentre’s familiar tools; and
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a seamless experience for both ongoing management and client reporting.
It’s a combination designed to give you a straightforward way to support more complex client needs.
Understand how onshore bonds work
Watch this short video for a clear overview of how onshore bonds can support your clients’ planning.
- What an onshore bond is
- How it works within AJ Bell Investcentre
- How to access it and onboard clients
Get started on Countrywide Assured’s Adviser Hub
To apply for an onshore bond, head to the Countrywide Assured’s Adviser Hub.
You’ll find all the necessary resources, including the AJ Bell Investcentre key information document, a guide on how to set up a bond, and the application form, amongst other important information to help you assess suitability and explain the solution clearly to clients.
Speak to our Business Development Team
Many advisers are already exploring how the Countrywide Assured Onshore Bond can support their clients’ long-term strategy.
If you’d like to discuss how it could work for your client base, along with our pricing options, our Business Development Team is here to help.