Products and charges

Nucleus SIPP

The Nucleus SIPP is our flagship self-invested personal pension product. Its tax-efficient structure and range of investment options make it a reliable long-term retirement choice for you.

With the Nucleus SIPP, you can:

• contribute by bank transfer or Direct Debit, up to your annual allowance (currently £60,000 per tax year), and receive contributions from employers and third parties
• receive basic rate contribution tax relief at source, allowing for quicker investment
• invest in platform funds, managed portfolios, fixed-term deposits, NS&I bonds, TIPs, Structured Products, as well as Exchange Traded Instruments (ETIs) via the platform's integrated stockbroking service
• grow a pension fund in a mostly tax-free environment
• open a Junior SIPP for minors

Key literature

Take a look at the documents below to learn more about how our Nucleus SIPP works:

These documents tell you more about how we operate:

Nucleus ISA

The Nucleus ISA is our simple, smart individual savings account. This stocks and shares ISA offers flexible access and a wide asset choice, giving you a secure savings product with access to tax-free withdrawals on demand.

With the Nucleus ISA, you can:

• subscribe by bank transfer or Direct Debit, up to the annual limit (currently £20,000 per tax year, or £9,000 for a Nucleus Junior ISA)
• use Bed and ISA to establish or top-up an individual ISA product from existing holdings
• invest in platform funds and managed portfolios, Structured Products, as well as Exchange Traded Instruments (ETIs) through the platform's integrated stockbroking service
• grow ISA savings in a mostly tax-free environment
• make single or regular tax-free withdrawals at any time, with flexible access allowing you to replace any withdrawals within the tax year back up to the annual limit
• open a Junior ISA for minors

Key literature

Take a look at the documents below to learn more about how our Nucleus ISA works:

These documents tell you more about how we operate:

Nucleus GIA

The Nucleus GIA is our versatile general investment account. With a broad asset marketplace and easy access through our platform, it’s an ideal companion to the Nucleus SIPP and ISA. 

With the Nucleus GIA, you can:

• invest any amount at any time by bank transfer or Direct Debit
• invest in platform funds, managed portfolios, structured products, fixed-term deposits and notice accounts, as well as Exchange Traded Instruments (ETIs) through the platform's integrated stockbroking service
• monitor your Capital Gains Tax liabilities through the platform’s online tools
• use the product's cash account to pay selected charges on behalf of other Nucleus products you hold
• make single or regular withdrawals at any time

These documents tell you more about how we operate:

Nucleus Offshore Bond

The Nucleus Offshore Bond is an investment-linked policy of insurance. It’s provided by RL360 Insurance Company Limited (RL360), a third party bond provider, and can be set up as a capital redemption or a whole of life assurance policy.  

The Offshore Bond allows a range of asset types to be held, complementing the portfolios of customers who hold a Nucleus SIPP, ISA or GIA.

With the Nucleus Offshore Bond, you can:

• open an Offshore Bond on behalf of an individual, company, charity or trust
• transfer payments of any amount, at any time, directly into the Offshore Bond (subject to a minimum initial deposit of £100,000)
• build capital growth in a tax efficient environment
• take single or regular withdrawals at any time

Key literature

Take a look at the documents below to learn more about how our Nucleus Offshore Bond works:

These documents tell you more about how we operate:

Flexi SIPP

The Flexi SIPP is our streamlined self-invested personal pension product. Its tax-efficient structure and focused range of investment choices provide a straightforward long-term retirement option for you.

With the Flexi SIPP, you can:

• contribute by bank transfer or Direct Debit up to your annual allowance (currently £60,000 per tax year), and receive contributions from employers and third parties

• receive basic rate contribution tax relief at source, allowing for quicker investment

• invest in platform funds, managed portfolios, off-platform discretionary investment manager accounts, fixed-term deposits and notice accounts as well as Exchange Traded Instruments (ETIs) via the platform's integrated stockbroking service

• grow a pension fund in a mostly tax-free environment

• manage income drawdown through our online portal, where your adviser can also request single or regular tax-free cash withdrawals on your behalf

Key literature

Take a look at the documents below to learn more about how our Flexi SIPP works:

These documents tell you more about how we operate: