Nucleus Modular iPlan
If your client had a James Hay product that's been upgraded to the Nucleus Platform, you can check out details of their new product and related charges below.
Nucleus Modular iSIPP
The Nucleus Modular iSIPP gives you flexibility and control over your clients’ investments through every stage of their retirement journey.
The Nucleus Modular iSIPP is a long-term, tax efficient savings plan designed to help your clients' invest for retirement.
It offers a wide choice of investments such as a range of platform funds, fixed term deposits and notice accounts, an integrated stockbroking service, model portfolios and more. It also offers a variety of options for taking retirement benefits.
Benefits
- Flexi-access drawdown
- Uncrystallised Funds Pension Lump Sum (UFPLS)
- Lifetime annuity
Key literature
Take a look at the documents below to learn more about how our Nucleus Modular iSIPP works:
Nucleus Modular ISA
The Nucleus Modular ISA provides a tax efficient way of investing in a wide range of investments, including stocks and shares, bonds and gilts, and collective investment schemes. You can add a Nucleus Modular ISA to your clients’ portfolios (provided they have a Nucleus Modular iSIPP in place) at any time.
The Nucleus Modular ISA is a stocks and shares ISA where investors can use up to their full annual ISA allowance of £20,000*, as defined under ISA regulations. This can be managed online alongside other Nucleus Modular iPlan assets (* for tax year 2025/26).
Managing client income requirements is no longer confined simply to their pension provision and requires a holistic and flexible proposition. The Nucleus Modular ISA (and Nucleus Modular GIA) provides this, supporting the management of your clients’ retirement wealth planning.
Benefits
- Access to a wide range of investment options
- Make withdrawals whenever you need
- Stockbroker service
- Whole of Market module
Key literature
Take a look at the documents below to learn more about how our Modula ISA works:
Whole of market
You can invest in many other types of assets allowed
under HMRC ISA rules by accessing the Whole of Market module.
Commercial Property
The Commercial Property module allows your clients to invest in commercial business premises and land, allowing them to take tax free income from rent and tax free capital growth from property.
Nucleus Modular GIA
The Nucleus Modular GIA offers you complete control over where and when investments are made.
You can add the Nucleus Modular GIA to your clients’ portfolio for no extra charge*, provided there is a Nucleus Modular iSIPP in place. This makes it a very cost-effective way to manage these investments.
Managing your clients’ retirement income requirements is no longer confined to their pension and requires a holistic and flexible proposition. The Nucleus Modular GIA (and Nucleus Modular ISA) provides this, supporting the management of your clients’ retirement wealth planning.
Benefits
- Online and flexible access
- Wide variety of investment options
- Stockbroker service
- Option to take withdrawals at any time
Key literature
Take a look at the documents below to learn more about how our Nucleus Modular GIA works:
Whole of market
With the Whole of Market Module, you can hold most other types of investments allowed under HM Revenue and Customs (HMRC) rules which do not fit within the
Core GIA. This can include off-platform assets, investment-grade gold bullion, structured products and more.
Commercial Property
The Commercial Property module allows your clients to invest in commercial business premises and land, allowing them to take tax free income from rent and tax free capital growth from property.
Nucleus Modular Offshore Bond
The Nucleus Modular Offshore Bond is an investment linked policy of insurance. It can be set up as:
- a whole of life assurance policy (meaning it continues until the death of the last life assured), or
- a capital redemption policy with no lives assured and a maturity date of 99 years after the start date.
The Nucleus Modular Offshore Bond allows you to invest a cash lump sum in a tax-efficient way over the medium to long term, to produce capital growth while retaining the ability to make withdrawals.
The bond allows you to invest in a wide range of investments to suit your objectives and risk profile.
Benefits
- Access to a wide variety of investments
- Ability to make withdrawals at any time
Key literature
Take a look at the documents below to learn more about how our Nucleus Modular Offshore Bond works:
Costs and charges
If you’re making fund purchases outside of our investment centre, you can use our costs and charges calculator to work out the impact of the costs on performance.
The table below shows our typical trading charges – please see your product’s charges schedule for full details of our charges.
| Charge type | Nucleus Modular iSIPP | Nucleus Modular ISA | Nucleus Modular GIA | Nucleus Modular Offshore Bond |
|---|---|---|---|---|
| One off charges | £20 for one off external investment buy trade (£50 if not submitted via secure message) £100 initial set up charge | £20 for one off external investment buy trade (£50 if not submitted via secure message) | £20 for one off external investment buy trade (£50 if not submitted via secure message) £100 IM set up charge | £100 initial set up charge |
| Ongoing charges | £300 + VAT p.a. WoM module charge (including first year) £85 + VAT p.a. Investment Manager account charge (including first year) £186 + VAT Income drawdown charge | £134 p.a. WoM module charge (if the client is not currently paying this charge) | £134 p.a. WoM module charge £67 p.a. (if IM is used) | £150 ongoing additional platform charge (based on £100,000 at 0.15%) |
Please use the link below to access our costs and charges calculator.
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