IHT Portfolio Service
One of the most important aspects of estate planning is to make sure your clients' families, friends and favourite causes inherit as much of their wealth as possible.
Our IHT portfolio is a simple and efficient strategy for reducing IHT while offering growth potential to boost potential legacies.
It invests in a diversified portfolio of established companies with favourable track records selected from the Alternative Investment Market (AIM). Under current rules, shares in some companies that trade on AIM are treated as 'business property' and eligible for Business Relief (BR), formerly Business Property Relief. Once a client has held shares in one of these companies for two years, the shares are no longer counted as part of their estate for IHT purposes. This compares favourably with the seven-year rule that applies to most gifts. The client maintains full control and can access their funds at any time should their circumstances change.
This is an actively managed portfolio service, so if we decide any of the underlying investments are no longer suitable, or if they stop being eligible for BR, we can sell them and reinvest in another qualifying company without having to restart the two-year period.
Why recommend our IHT Portfolio Service to your clients?
- Our team has established a strong track record for delivering superior investment returns
- We actively manage the portfolio to ensure the investments we've chosen are always suitable and working hard for your clients
- Investing in AIM lets your clients take advantage of a dynamic market of growing businesses
- They can include their IHT portfolios in their annual ISA allowances
- We'll keep you and your clients regularly updated with contract notes and quarterly formal valuations.
Help your clients plan their future
If you would like to know how we can help your clients with their investment management needs, get in touch. We will be delighted to provide more details of our services.
This service should be regarded as high risk as it is exclusively focused on equities. The portfolios are wholly invested in small capitalisation stocks. These companies are therefore more volatile and whilst they offer great potential, growth is not guaranteed. It is important to note that this should be seen as a long-term investment. The current inheritance tax rules and tax treatment of AIM shares may change in the future. We strongly recommend that clients discuss their financial arrangements with their tax adviser before investing, as the value of any tax reliefs available is subject to individual circumstances.
Investment involves risk. The value of investments and the income from them can go down as well as up and you may not get back the amount originally invested. Past performance is not a reliable indicator of future performance.
Our portfolios are designed to work over a typical investment cycle of 7-10 years, so we recommend you stay invested for at least seven years.
The information provided is not to be treated as specific advice. It has no regard for the specific investment objectives, financial situation or needs of any specific person or entity.
How can we help?
If you'd like to find out how we can help your clients reduce liability for inheritance tax, get in touch. We'll be delighted to give you more details.
Investment involves risk and you may not get back what you invest. It’s not suitable for everyone.
Investment involves risk and is not suitable for everyone.