Offshore Bonds

“Offshore Bonds” are an investment wrapper set up by a life insurance company in a jurisdiction with a favourable tax regime, such as the Isle of Man or Dublin.

This means that investors benefit from growth that is largely free of tax – often referred to as “gross roll-up”.

Consider this: if you invested £1 and doubled it up every year, what would it be worth in 20 years’ time if no tax was deducted each year? You may be surprised to hear it would be worth £1,048,576!

However, if that same investment suffered 20% tax each year (equivalent to basic rate tax), it would be worth just £127,482! And if it suffered 40% tax each year (equivalent to higher rate tax), it would only be worth £12,089!

So the first thing an offshore bond offers is tax-efficient planning. And remember ‘gains’ from offshore bonds are treated as ‘savings income’




What They Say About Us

 if you have a mind-set like I had, bothered about your savings and investments because of past experiences I suggest you speak with Paul of PH7 Wealth Management and let him see what he can do for you.

- John Halstead

Both myself and my partners value the advice and services offered by Paul and have always found his suggestions and explanations to be clear and concise. We’ve appreciated the fact that he makes the time to explain fully all the various options available and you always feel that he his is working in your best interest.

- David Barrett

What I found excellent was Paul’s way of explaining a complicated procedure into layman terms. He made the whole process easy to understand and I felt that he made what was an involved process run smoothly.

- Alan Chaplin

PH7 Wealth Management.

Good financial planning is key to helping you achieve your future goals and aspirations, at PH7 We work with you on your financial journey ensuring you and your families’ long-term future objectives are secure.


Get In Touch

01282 479 930
M-F: 8am-5pm


PH7 Wealth Management Head Office

3rd Floor, Churchill House, 60 Bank Parade, Burnley, Lancashire

BB11 1TS