Product Wrappers

Product Wrappers to suit a wide range of Investors

Novia offers a range of product wrappers designed to allow Investors - with a little help from their Adviser - to maximise the potential of their investments. Each of our product wrappers has different tax benefits and it is the combination of these wrappers that can help Investors reach their investment goals. 

Across all our product wrappers, Adviser charging is fully flexible and supported by an integral interest bearing cash facility. With charging calculated across all the wrappers held within a client's Novia Account rather than being calculated for each wrapper, we make it easy for the Adviser to create a portfolio of investments using the most appropriate mix of wrappers to suit a client's tax position and investment needs. You can visit our Investments List page to view the range of assets available within our product wrappers. 

Full details of all our product wrappers can be found in our Key Features Document. 


ISA

ISA

Our Stocks and Shares ISA offers a competitive range of investment choices including UK Stocks and Shares, structured products and Investment Trusts.


Self Invested Personal Pension

Self Invested Personal Pension

Planning for later life or retirement can be effectively undertaken through a number of Novia product wrappers - and at the heart of this offering is a form of personal pension - the Novia Self Invested Personal Pension, or SIPP.


General Investment Account (GIA) - net and gross

General Investment Account (GIA) - net and gross

The Novia General Investment Account (GIA) allows clients to make unlimited contributions into one account.


Offshore Bond

Offshore Bond

The Novia Offshore Bond is provided by RL360 Insurance Company Limited which is based in the Isle of Man.