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WHO WE HELP
Individuals and families
Your wealth, goals and family priorities
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Your business, wealth and next steps
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UHNW and Family Offices
Significant, complex and multi-generational wealth
YOUR IDEAS & GOALS
Plan for growth
Grow your wealth and open up new opportunities
Live well
Live life to the fullest, today and into the future
Secure your future
Be prepared for whatever may happen
Make a difference
Support the causes you care about
WORKING WITH PROFESSIONALS
EU Intermediaries
Scale, security, and investment discipline for your clients
About RBC Wealth Management in Ireland
Combining Brewin Dolphin’s local expertise with RBC’s global strength and insight
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Over 30 offices across Ireland, the UK and Jersey
WHO WE ARE
Our history
Generations of clients have relied on Brewin Dolphin and RBC Wealth Management
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Recognising our service and industry leadership
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SUSTAINABILITY
Responsible investing
Our approach to responsible investment
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RBC Brewin Dolphin
Personalised financial planning and investment advice
OUR SOLUTIONS
Wealth planning and management
A bespoke plan to manage and grow your wealth
Financial advice for business owners
Guidance for growth, exit and managing proceeds
Pensions and retirement planning
Plan for the retirement you want
Financial protection
Protect what matters most against the unexpected
Financial planning for life events
Guidance through life’s key moments and changes
Responsible and sustainable investing
Invest with greater purpose in line with your values
UHNW and Family Office services
Coordinating complex and multi-generational wealth
Managing ISA assets outside the UK
Integrating these assets into your wider wealth strategy
Investment management
Tailored portfolios aligned with your goals
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A Bare Trust offers a straightforward way to support your child’s future and lets you invest as much as you like. While these funds are for your child, you can use them for costs like school fees before they turn 18.
Set aside investments for your child in a simple, tax-aware structure. While the assets legally belong to them, you retain control as trustee until they turn 18, deciding on how funds are invested and when they may be used for their benefit.
You can invest from as little as £500. As there’s no upper investment limit, a Bare Trust can be an appropriate investment solution if you want to invest larger sums. All gains and income use the child’s personal tax allowance. An exception is gifts by parents – if the income from the Bare Trust exceeds £100, the full income for the account will be taxed as if it belongs to the parent.
You act as the trustee and retain full control over how the money is invested and used until the child turns 18. The account can remain open after this date.
Contributions from anyone but the child’s parents will be taxed as if they belong to the child, which could mean little or no tax to pay.Your initial gift into a Bare Trust could also be considered a ‘potentially exempt transfer’ which means it won’t be subject to inheritance tax – provided you survive for seven years after making the gift.
It’s important to remember that returns from investments into a Bare Trust aren’t guaranteed. The value of investments, and any income from them, can fall and you may get back less than you invested. This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. You should always check the tax implications with an accountant or tax specialist. Information is provided only as an example and is not a recommendation to pursue a particular strategy.
Select from six investment portfolios to match your attitude to risk, all designed by our in-house experts.
Download and complete the Bare Trust application form. Our UK-based team can help with any questions you have.Call us on 0333 207 9003 or email us at customer.services@brewin.co.uk.
We’ll confirm when your account is ready. Track your investments anytime through our BPS app or online portal.
We have over a century of experience in helping people grow their wealth, taking a long-term view of investment and client relationships.
BPS is an execution only, non-advice service. We provide pre-determined portfolios which are designed by our in-house experts. We take on the hard work of picking what assets are in these portfolios, so you don’t have to. You just need to choose your investment style and risk category – we will do the rest.
You get access to our expert investment thinking through a range of pre-determined portfolios. Our simple fee structure ensures you know exactly what you’re paying, while you can track performance any time via our app or online.
We know how important speaking to someone is. Our UK-based experts are on hand to answer your questions. You can call us or email us whenever you need support.
Call us on 0333 207 9003Monday to Friday 8am to 6pmSaturday 8am to 12pm
Email us at customer.services@brewin.co.uk
Write to us at:Brewin Portfolio ServiceSixth Floor, Atria One144 Morrison StreetEdinburgh, EH3 8BR