Products and charges

What we offer, how it works, and the benefits for you

On the Nucleus Platform we provide an extensive suite of integrated tax wrappers.




 

Nucleus SIPP

With its tax-efficient structure and range of investment options, the Nucleus SIPP is a reliable long-term retirement choice.


 

Nucleus ISA

A simple, smart, and secure individual savings account with a wide investment choice, offering access to tax-free withdrawals on demand.

Nucleus GIA

A versatile general investment account with a broad range of investments and easy access through our platform. An ideal companion to the Nucleus SIPP and ISA.

Flexi SIPP

A streamlined self-invested personal pension with a focus on investing directly with an Investment Manager.


 

Nucleus Offshore Bond

An investment linked-insurance policy which can be set up as a capital redemption or whole of life assurance policy, provided by RL360 Insurance Company Limited.

Modular iPlan

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

For details of products that have been upgraded from James Hay Online, visit our Customer upgrade support hub.

Product bank accounts

Learn about how we hold your payments in your Nucleus Platform products, and the protection in place.

Fixed term deposit accounts

You can hold cash balances to help with the payment of adviser and service fees and charges, or to act as a temporary haven when the markets are volatile.  

We don’t recommend that you hold large balances of cash for long periods of time, but if you want your spare cash to work harder in the medium to long term, we offer access to specific products with attractive rates of return via our cash deposit accounts.  

We partner with Bondsmith, an FCA regulated third-party, to offer access to a diverse range of fixed term deposit and notice accounts from FCA and PRA regulated banks and building societies which can all be purchased online. You can view the current list of available accounts and interest rates on our cash deposit accounts page.

Please note that cash accounts are available for Nucleus SIPP and GIA products but not for Nucleus ISA.