We’re here to help you

That’s why, when it comes to investing, we think about the little things that make your life easier. So you can get on with building a brighter future.

Utmost Wealth Solutions

It’s unlikely you’ll have just one, simple objective for your money. But we know it’s always important to get the most out of it. That’s why our bonds are built with choice and flexibility in mind.

You Could Invest

  • FOR GROWTH
  • TO SUPPORT YOUR PENSION
  • TO PROVIDE AN INCOME
  • TO PASS WEALTH ONTO YOUR FAMILY WHILST REDUCING INHERITANCE TAX

Or you could invest for a mixture of these reasons, for example invest for income while planning to reduce the effect of
inheritance tax.

A Wealth of Difference
The positive difference we make to sustaining and passing on wealth.
Based on our combined wealth of expertise, experience, understanding, service excellence and technical support.


Utmost Products

There are four products set out below. Two from Utmost Limited operating from the Isle of Man and two from Utmost Ireland dac. To find out more about each product and their features please click on the relevant tabs.

Utmost Limited

  • Utmost Limited is a leading offshore bond provider in the tax-efficient environment of the Isle of Man and is regulated by the Isle of Man Financial Services Authority. Utmost Limited provides Evolution and the Estate Planning Bond to UK residents.

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Utmost Ireland dac

  • Utmost Ireland dac is located in the tax-efficient jurisdiction of Dublin, Ireland and is authorised by the Central Bank of Ireland. Utmost Ireland dac provides the Selection and Delegation bonds to UK residents.

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    Transfer of AXA Life Europe Policies

Evolution

uTMOST lIMITED

With Evolution, you’ll invest a lump sum, with the ability to add more later, whilst having the flexibility to choose from a range of investment options and funds.

You can

  • Take an income – you decide how much and how often, choosing a set amount monthly, quarterly, half-yearly or yearly
  • Keep your money invested – so that it can potentially
    grow in value
  • Do both – take an income while leaving some assets untouched
  • Set up a trust fund – invest for your family using a trust

Evolution Is

  • Designed for medium to long-term investment, so 5-10 years
    or longer
  • Available in pounds sterling, US dollars or euros
  • Available with a minimum investment of £15,000, US$30,000
    or €22,500

Find Out More

Product Guide Key Features Document

More information on our products can be found in Guides and Forms

Estate Planning Bond

UTMOST LIMITED

You invest a lump sum. Your money is then put in trust and your chosen trustees will have the flexibility to invest in a range of investment options and funds.

It Then Provides

  • An income – you decide at the start how much and how often, choosing a set amount monthly, quarterly, half-yearly or yearly, that will be withdrawn throughout your lifetime – or until the bond value reaches zero
  • A trust fund for your family or friends – this could help reduce the effect of inheritance tax on the amount you pass on to them.

    All this means that you can plan for the future, without compromising on your current lifestyle

    The Estate Planning Bond Is

  • Available in pounds sterling only
  • Available with a minimum investment of £50,000
  • Unable to be cashed in by you during your lifetime. It is designed to be encashed by your trustees or beneficiaries.

FIND OUT MORE

Product Guide Key Features Document

More information on our products can be found in
Guides and Forms

Selection

UTMOST IRELAND DAC

An initial lump sum investment bond that you can adapt to meet your changing needs

You can

  • Take an income – you decide how much and how often, choosing a set amount monthly, quarterly, half-yearly or yearly
  • Keep your money invested – so that it can potentially
    grow in value
  • Do both – take an income while leaving some assets untouched
  • Set up a trust fund – invest for your family using a trust
  • SELECTION IS

    • Designed for medium to long-term investment, so 5-10 years
      or longer
    • Available in pounds sterling, US dollars or euros
    • Available with a minimum investment of £50,000, US$100,000
      or €75,000

    Find Out More

    Product Guide Key Features Document

    More information on our products can be found in Guides and Forms

Delegation

utmost ireland dac

Tax planning and expert management

With Delegation you can let your discretionary manager handle your investment portfolio, while being able to use the tax deferral benefits of an investment bond. Your manager will have access to all the investments they’d normally use if you invested with them directly, which means they can build you a more tailored portfolio than they could with most investment bonds. As with our other bonds, you can still

  • Take an income – you decide how much and how often, choosing a set amount monthly, quarterly, half-yearly or yearly
  • Keep your money invested – so that it can potentially
    grow in value
  • Do both – take an income while leaving some assets untouched
  • Set up a trust fund – invest for your family using a trust
  • delegation IS

    • Designed for medium to long-term investment, so 5-10 years
      or longer
    • Available in pounds sterling, US dollars or euros
    • Available with a minimum investment of £100,000, US$200,000
      or €150,000

    FIND OUT MORE

    PRODUCT GUIDE KEY FEATURES DOCUMENT

    More information on our products can be found in Guides and Forms

Please bear in mind

  • Our products are designed for UK residents. Please speak to your adviser to see if our products are suitable for your needs and if you are eligible to apply.
  • Your investment can go down as well as up and you could get back less than you paid in.
  • The information above is based on our interpretation of current law and taxation. Tax rules can change and are subject to individual circumstances.

Product Availability

Our products are only available through a financial adviser. It’s likely that you’ll already have a financial adviser, who will be able to provide more information on investing and how our products can help.

If you don’t currently have a financial adviser please go the Financial Conduct Authority’s (the UK regulator for financial advisers) website to find out more on how to find one.

Find out more

Alternatively, if you would like to do a bit more reading before you get in touch with a financial adviser, you can find plenty of helpful information in Guides and Forms