Wrapper Selection
Compare ISA vs Unit Trust (GIA) vs Onshore Bond
Configuration
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Initial Charges
Initial Charge on Contributions (%)
Applied to both initial investment and annual contributions - Default 3%
Annual Charges (per wrapper)
Fund charge applies to underlying investments. Advice and other charges apply to the wrapper/product.
ISA
Fund Charge (%)
Advice Charge (%)
Other Charge (%)
Unit Trust (GIA)
Fund Charge (%)
Advice Charge (%)
Other Charge (%)
Onshore Bond
Fund Charge (%)
Advice Charge (%)
Other Charge (%)
Pension
Fund Charge (%)
Advice Charge (%)
Other Charge (%)
Contribution Settings
Apply Inflation to Contributions
Annual contributions increase by 2% each year
Contribution Timing
Start of Year
Spread Over Year (Monthly)
End of Year
When contributions are invested during the year
Pension Tax Relief
Tax Relief Rate (%)
Basic rate 20%, Higher rate 40%, Additional rate 45%
Investment Details
Initial Investment (£)
Annual Contribution (£)
Investment Term (years)
Risk Profile
Low Risk - 4% Return (20% Equity / 80% Income)
Medium Risk - 5% Return (60% Equity / 40% Income)
High Risk - 8% Return (85% Equity / 15% Income)
Encash over 2 years (Pension & Unit Trust only)
Splits pension income or capital gains 50/50 over two tax years to potentially reduce tax
Ownership
Single Ownership
Joint Ownership (50/50)
Owner 1 Tax Details
Owner Name/ID
Current Age
Current Marginal Tax Rate
Basic Rate Q1 (20%)
Basic Rate Q2 (20%)
Basic Rate Q3 (20%)
Basic Rate Q4 (20%)
Higher Rate Q1 (40%)
Higher Rate Q2 (40%)
Higher Rate Q3 (40%)
Higher Rate Q4 (40%)
Additional Rate (45%)
Tax Rate at Term End
Basic Rate Q1 (20%)
Basic Rate Q2 (20%)
Basic Rate Q3 (20%)
Basic Rate Q4 (20%)
Higher Rate Q1 (40%)
Higher Rate Q2 (40%)
Higher Rate Q3 (40%)
Higher Rate Q4 (40%)
Additional Rate (45%)
Owner 2 Tax Details
Owner Name/ID
Current Age
Current Marginal Tax Rate
Basic Rate Q1 (20%)
Basic Rate Q2 (20%)
Basic Rate Q3 (20%)
Basic Rate Q4 (20%)
Higher Rate Q1 (40%)
Higher Rate Q2 (40%)
Higher Rate Q3 (40%)
Higher Rate Q4 (40%)
Additional Rate (45%)
Tax Rate at Term End
Basic Rate Q1 (20%)
Basic Rate Q2 (20%)
Basic Rate Q3 (20%)
Basic Rate Q4 (20%)
Higher Rate Q1 (40%)
Higher Rate Q2 (40%)
Higher Rate Q3 (40%)
Higher Rate Q4 (40%)
Additional Rate (45%)
🚀 Calculate & Compare Wrappers
Comparison Results
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Wrapper
Final Value
Tax Paid
Net Benefit
Performance
📈 Detailed Projections
ISA
Unit Trust (GIA)
Onshore Bond