Choice of place of issue: Isle of Man (Royal Skandia) or Dublin (Skandia Ireland)

Tax-efficient investment wrapper

Freedom to choose from thousands of international collectives

Option to appoint your own professional fund adviser to manage the assets on your behalf

Ability to transfer in and consolidate existing assets

Simplified administration compared to when holding assets directly

Flexibility to change your assets without any tax liability

Easy access to your capital through one-off or regular withdrawals

Designed for UK residents or those who expect to become a UK resident in the future

Freedom to choose from thousands of international collectives, investment funds, stocks and fixed interest securities

Option to appoint your own professional fund adviser to manage the assets on your behalf

Ability to transfer in and consolidate existing assets

Simplified administration compared to when holding assets directly

Flexibility to change your assets without any tax liability

Easy access to your capital through one-off or regular withdrawals

Designed for non UK resident investors

Place of issue - Isle of Man

Flexible savings solution

Choice of up to 300 investment funds 

Facility to pay regular and/or single premiums

Regular premium flexibility;  you can stop, start, increase or decrease premiums as and when it suits you

Flexibility to change your funds at any time, free of any Skandia administration charge

Easy access to your capital through one-off or regular withdrawals