Inheritance Tax Portfolios

Retain control of your wealth and save 40% inheritance tax

If you worked hard, saved and invested sensibly all your life, doesn’t it make sense to consider ways to pass more of your wealth to your loved ones?

Small wonder inheritance tax, or IHT, is generally considered the most unfair tax of all. 

A new allowance from 6 April 2017 means you could potentially pass on an extra £100,000 in the form of a new “residence nil rate band”. Yet anything over this new band plus the current 'nil rate band' of £325,000 could be subject to 40% tax on death.

The good news is that careful planning can legitimately reduce or even wipe out completely your estate’s IHT liability. You can pass more on to your loved ones, without the government taking a sizeable cut and without losing control of your assets in your lifetime. 

One of the many ways to shelter your wealth from IHT is to invest in assets that qualify for Business Property Relief (BPR). You can:

  • Invest unlimited amounts in unquoted or some AIM companies 
  • Hold AIM investments in your ISA, so you can benefit from tax-free growth and tax-free income
  • Save up to 40% in IHT 
  • Retain control and ownership of your investment
  • Select investments that aim to pay you a regular income and/or help preserve capital
  • Full IHT exemption after just 2 years under current rules – quicker than with most other IHT-mitigation strategies


An estimated 45,100 families were liable for IHT in 2016/17. They will pour an estimated £4.7 billion into the government’s coffers – more than £100,000 each on average. 

And it’s going to get worse, official estimates warn. According to the Office for Budget Responsibility, inheritance tax receipts are expected to rise to £6.2 billion in 2021 – a 32% increase. Despite the new ‘residence nil rate band’ the Treasury expects to raise nearly £2 billion more in inheritance tax over the next five years than previously estimated. 

When the new residence nil rate band comes fully into effect in 2020, couples will be able to jointly pass on a home worth up to £1 million tax free. 

Happily, investing in IHT schemes is straightforward – just visit the offers page to see the available opportunities. Before you invest you should also ensure you have read and understood the Risks and Commitments. The two-year IHT-exemption clock starts ticking once your funds have been invested.

Please remember IHT schemes are the only IHT planning solution we offer, but there are others you could consider. If in doubt, please seek specialist advice.

Featured IHT offers

Our favourite IHT offers: opportunities with genuine investment merit above and beyond the tax benefits and whose managers we believe can deliver returns to investors. Read more about featured offers.

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