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Tax-Efficient Investment Management

Whether you are planning to mitigate inheritance tax, capital gains tax or even income tax, there are ways we can help.

ISAs

Our Discretionary Managed Service and Value Investment Portfolio Service use ISAs to maximise the tax efficiency of the portfolios through generating potentially tax-free income and sheltering gains from Capital Gains Tax (CGT).
Find out more about ISAs»

SIPPs

A Self-Invested Personal Pension (SIPP) allows you to take control over your pension and ultimately the funds you will have available in retirement. All contributions qualify for tax relief at your highest rate and the fund grows free of capital gains tax. You can take advantage of our investment management services and have it invested in line with objectives and risk levels that suit you at your stage in life. Find out more about SIPPs »

Inheritance Tax Portfolio

The Inheritance Tax (IHT) Portfolio Service is designed to help mitigate the effect of IHT without limiting access to and ownership of your capital. By taking advantage of Business Property Relief (BPR) on qualifying shares, you can claim 100 per cent tax relief on death if the individual investments have been held for two years. Find out more »

Venture Capital Trusts

Venture Capital Trusts (VCT) offer income tax relief of 30 per cent when invested at subscription, subject to a maximum investment of £200,000, while minimums are usually around £3,000 - £5,000 Find out more »

Info Point

CGT is payable on the sale or disposal of an asset. The CGT annual allowance for the 2017/18 tax year is £11,300. Gains are treated as the 'top slice' of an individual's income and taxed at marginal rates, the rate has been held at 10 per cent up to the higher rate threshold and 20 per cent on amounts above.

Our investment managers will always have regard to your tax situation when making investment decisions, although gains will be taken above your annual allowance when appropriate. Should you have any large gains from the sale of other assets or businesses and not wish to take any more from your portfolio then please advise your investment manager. Similarly, if you have any losses that can offset gains then please advise us, so that the full picture can be taken into account.

Investments and income arising from them can fall in value and you may get back less then you originally invested.

Tax treatment depends on the specific circumstances of each individual and may be subject to change in the future.

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