Once upon a time, when taxes were relatively low, ISAs and unwrapped investments seemed like pretty obvious choices for clients' money.

But the big cut in the capital gains tax allowance and rises in tax on gains and dividends has changed things. Tax wrappers that once seemed like more hassle than they were worth (like investment bonds) could now be the ideal vehicle – especially for higher rate taxpayers.

But which wrapper is right in which circumstances and why?

Find out when you join us at 1pm on Wednesday 20 August 2025 when hosts Richard Allum and Leanne Pickering will be joined by Neil Macleod from M&G's technical team.

Over the course of one lunch hour, we’ll explore when bonds are more suitable, when offshore makes sense, and why the 'best' mathematical answer might not actually be the right choice for your client. In this Assembly you’ll:

learn from real case studies that compare basic rate versus higher rate taxpayers

find out how to use withdrawals strategically to fund ISAs

discover why different asset types work better in different wrappers

tackle those tricky questions about investing within trusts

understand why paying a bit more tax sometimes makes perfect sense

You’ll discover that the right choice for your clients isn't just about what the spreadsheet says but about the broader thinking.

What’s more, you can receive 1 hour’s worth of CPD too.

Tax wrappers: which, why and when?