Inheritance Tax Portfolios

Inheritance tax, or IHT, is generally considered the most unfair tax of all.

It could apply on estates over the value of £475,000. This is made up of the “residence nil rate band” of £150,000 (from 6 April 2019) plus the current “nil rate band” of £325,000. Anything over this could potentially be subject to 40% tax on death, or your spouse's or partner's death if later.

The good news is that careful planning can reduce or even wipe out completely your estate’s IHT liability without losing control of your assets in your lifetime. 

For those prepared to take greater investment risk, one way 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 relief after just 2 years under current rules – quicker than with most other IHT-mitigation strategies

Before you invest you should also ensure you have read and understood our terms of business and the Risks and Commitments. The two-year IHT-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.

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