Stellar AIM ISA

This Aim IHT ISA offer from Stellar Asset Management invests in AIM stocks which qualify for Business Property Relief. After two years the investment should become IHT free. An optional insurance policy offers protection against falls in value. 

Highlights

  • Long-standing AIM IHT managers – the portfolio has been operating since 2008
  • 40-stock portfolio
  • Optional insurance policy option can protect against market falls
  • £20,000 minimum

Performance

Annual performance (%)

  2013 2014 2015 2016 2017
Stellar AIM IHT Portfolio 38% -2% 30% 10% 12%
FTSE AIM All-Share 20% -19% 4% 17% 24%

Source: Stellar, to 5 January each year, ending 2018. Shows total return, inclusive of dividends, net of management fees and commission. Past performance is not a guide to the future. Note this is the model portfolio performance: every client's portfolio will be slightly different


Risks

Capital is at risk and you should not invest money you cannot afford to lose.

Eligibility for BPR is assessed at the date of death and will depend on the companies remaining qualifying. Remember, tax rules can change and the value of tax benefits depends on circumstances.

Liquidity of companies listed on AIM is a key risk. AIM can be a volatile market with little trading at certain points. Octopus is one of the largest managers in this market, which brings benefits in terms of company access but could also restrict trading ability.

Fees and charges

An overall summary of the charges is shown below.


Full initial charge 1.5%
Annual management charge 1.5% plus VAT
Dealing fees 1%
Insurance charge variable
Performance fee nil
Exit fee nil
Minimum investment £20,000

See example of the total charges over 5 years

Wealth Club aims to highlight investments we believe have merit, but you should form your own view. You should decide based on the provider's documents and ensure you have read and fully understand them before investing. This review is a marketing communication. It is not advice or a personal or research recommendation to buy the investment mentioned. It does not satisfy legal requirements promoting investment research independence and is thus not subject to prohibitions on dealing ahead of its dissemination. 1.5.18

The details

Portfolio size
£50.4 million
Average market cap
£675.0 million
Initial charge
1.5%
Saving via Wealth Club
-
Net initial charge
1.5
AMC
1.5%