Every investor has individual needs and requirements, with different attitudes to investment risk and investment goals that change over time. Moreover, investors want to ensure that their portfolios are being managed as professionally, securely and tax efficiently as possible.

The Guardian Trust Portfolio Wrap enjoys a number of important features which, when taken together, give the product a broad appeal. It allows you to select an investment approach that is right for you, ranging from 'off the peg' investment portfolios through to individual funds and more specialist investments.

Jersey Trust

Your Wrap is held in the form of a Jersey trust - which is personal to you. This can sound quite daunting but, in fact, it is a very simple legal process which helps give the Wrap much of its flexibility and tax appeal. What's more, the trust does not prevent you controlling your investment whenever you wish. However, most advisers and investment commentators agree that you should regard investment as a medium to long term commitment. There is no income tax or capital gains tax payable on investments maintained within the Wrap, making it a highly efficient tax planning vehicle.

Advantages

Being structured as a Jersey trust provides some important advantages. Jersey is one of the world's major international financial centres with a Treble AAA standard and poors rating. Its political and economic stability has made it an attractive base for thousands of banks, fund management companies and other financial professionals. The Island has developed a sophisticated and comprehensive infrastructure of laws and regulations to support its finance industry. Located between the United Kingdom and France , Jersey is recognised around the world as a centre of financial strength and security. Jersey prides itself for being at the forefront of financial service regulation and investor protection. What's more, from Jersey 's population of 88,000, over 12,000 are professionally trained staff working within the finance or related industries - a sure sign of the Island 's commitment to international investors.

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