Composer for Investment Bonds
Modern administration of onshore and offshore investment bonds at scale.
Delivering Efficient Investment Bond Administration
Investment bonds play an increasingly important role in tax-efficient savings and estate planning, placing complex demands on administration systems. Composer provides a highly automated platform to manage the full lifecycle of onshore and offshore investment bonds, supporting complex structures, tax treatment and reporting within a single operating model. This enables providers to deliver flexible bond propositions while maintaining control, accuracy and regulatory compliance at scale.
Support tax-efficient investment solutions
Enable onshore and offshore bond propositions designed for tax-efficient savings and estate planning, including chargeable event management and tax-deferred withdrawals.
Manage complex bond structures with control
Administer segmentation, assignments, withdrawals and trust arrangements within controlled, auditable workflows.
Maintain accurate tax treatment and reporting
Support HMRC-aligned calculations and reporting, ensuring consistency across withdrawals, maturities and policy lifecycle events.
Operate at scale with a single platform
Manage new business and existing bond portfolios within a unified administration platform, reducing operational complexity and improving consistency.
Investment Bonds
Key Features
Onshore and offshore solutions
Composer supports both onshore and offshore investment bonds, enabling tax-efficient savings and estate planning. Bonds can be structured across single or multiple lives assured, supporting a range of investment and chargeable event scenarios.
Flexible bond structures
Composer enables flexible configuration of bond products, including segmentation, assignments, withdrawals and trust arrangements. Chargeable event calculations, tax treatment and reporting are handled in line with HMRC requirements, underpinned by highly automated administration.
Tax-deferred withdrawals
Provide visibility of cumulative annual allowances to support management of 5% per annum tax-deferred withdrawal rules.
Chargeable event calculations and reporting
Calculate chargeable events automatically across withdrawals, maturities and policy year ends, with reporting aligned to HMRC requirements.
Trust-based bond ownership
Support multiple trust types, including Bare and Discretionary Trusts, with the ability to write bonds into trust or assign them during the policy lifecycle.
Open architecture investments
Define your asset universe and enable automated trade execution and settlement across funds, DFMs, equities and ETFs.
“We felt the market was in need of a combined on and offshore, modern, API enabled policy administration and investment platform available alongside the traditional tax wrappers to avoid sourcing separate systems”
Head of Investment Bonds, Canada Life
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Our Credentials
Moving to a new core platform doesn’t have to be high risk.
Composer is trusted by organisations running complex, high‑volume operations. Our approach to migration and ongoing operation is shaped by decades of live delivery, helping clients modernise with confidence while maintaining continuity of service.
Migrating to Composer
Our migration approach is designed to reduce disruption and complexity. Dedicated teams, proven methodologies and phased delivery models help clients move to Composer while maintaining service levels and regulatory confidence.
Delivery
Delivering a new platform is about more than technology. Our proven implementation methodology, experienced UK-based teams and robust governance framework help clients reduce risk, accelerate delivery and achieve successful business outcomes with confidence.
Confident investment bond administration at scale
See how Composer helps providers support complex onshore and offshore bond products with automation, control and regulatory confidence.
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