Skip to main content

This website uses cookies which are essential for the site to work. We also use non-essential cookies to help us improve our services.

Accept all cookies Only allow essential cookies Find out which cookies we use

Don't invest unless you're prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more.

WealthClub logo
  • Home
  • About
  • Free resources
  • Register for deals
  • Log In To Portal

Contact us
Call us on: 0117 929 0511
LOG INTO PORTAL
  • VCT

    Venture Capital Trusts

    VCT in a nutshell

    Invest in VCTs and help small, fledgling companies grow. Receive enticing tax breaks: up to 30% tax relief against your income tax bill, tax-free dividends and tax-free growth.

    Current Offers

    • Our choice Baronsmead VCTs
    • Our choice British Smaller Companies VCTs
    • Our choice Maven VCTs
    • Our choice Molten Ventures VCT (formerly Draper Esprit VCT)
    • Our choice Octopus AIM VCTs
    View all VCT offers

    Our featured offers. The current offers with the most investment merit, in our view. Find out more about how we choose.

    VCT information

    • VCTs Explained
    • VCT Tax Relief
    • How to claim VCT tax relief
    • Watch video interviews with VCT managers
    • Video explainer: What are VCTs?
    VCT factsheet

    Free factsheet: VCTs at a glance

    This simple factsheet gives a quick overview of VCTs, how they work, the risks and benefits.

    Get the factsheet
  • EIS

    EIS Investments

    EIS in a nutshell

    Invest in small companies and receive an income tax rebate of up to 30%. You can also defer capital gains from elsewhere and qualify for IHT relief.

    Current Offers

    • Our choice Finboot EIS
    • Our choice Fuel Ventures Follow-on EIS Fund
    • Our choice Fuel Ventures Scale-up EIS Fund
    • Our choice Guinness EIS
    • Our choice Parkwalk Knowledge Intensive EIS Fund III
    View all EIS offers

    Our featured offers. The current offers with the most investment merit, in our view. Find out more about how we choose.

    EIS information

    • EIS Explained
    • EIS Tax Relief
    • How to claim EIS tax relief
    • Single company EIS
    • Expert roundtable: Investing in university spinouts
    • Watch video interviews with EIS managers
    • Video explainer: What are EIS investments?
    EIS Factsheet

    Free factsheet: EIS at a glance

    This simple factsheet gives a quick overview of EIS, how it works, the risks and benefits.

    Get the factsheet
  • SEIS

    SEIS Investments

    SEIS in a nutshell

    Help startup companies get off the ground and for every £1 you invest, save up to 64p in income and capital gains tax. You also qualify for IHT relief, potentially saving up to another 40p per £1 you invest.

    Current Offers

    • Our choice Fuel Ventures SEIS Fund
    • Our choice Haatch SEIS Fund
    • Our choice Startup Funding Club SEIS Fund
    • British Robotics Start-Up Fund
    • Jenson SEIS Fund
    View all SEIS offers

    Our featured offers. The current offers with the most investment merit, in our view. Find out more about how we choose.

    SEIS information

    • SEIS Explained
    • SEIS Tax Relief
    • How to claim SEIS tax relief
    • Watch video interviews with SEIS managers
    • Video explainer: What are SEIS investments?
    SEIS factsheet

    Free factsheet: SEIS at a glance

    This simple factsheet gives a quick overview of the SEIS, how it works, the risks and benefits.

    Get the factsheet
  • AIM IHT ISAs

    AIM ISA IHT Portfolios

    AIM ISA in a nutshell

    If you’re happy to take significant investment risk, you could pass your ISA on to your loved ones without the taxman taking 40% in Inheritance Tax. Keep control of your portfolio and make tax-free withdrawals if you need.

    Current Offers

    • Our choice Octopus AIM IHT ISA
    • Our choice RC Brown AIM IHT ISA
    • Our choice Unicorn AIM IHT ISA
    • Downing AIM Estate Planning Service ISA
    • Puma AIM IHT ISA
    View all AIM ISA offers

    Our featured offers. The current offers with the most investment merit, in our view. Find out more about how we choose.

    AIM ISA information

    • Inheritance tax and ISAs
    • AIM ISAs Explained
    • Expert roundtable: Investing in AIM for Inheritance Tax relief
    • Watch video interviews with AIM ISA managers
    • Video explainer: AIM ISAs
    How to make ISA IHT free Aug 2019

    Free report: How to make your ISA IHT free

    Did you know that when you die the taxman could take 40% of your ISA in Inheritance Tax? How could you avoid that? Download our free report.

    Get the free report
  • IHT

    Inheritance Tax Portfolios

    IHT in a nutshell

    If you’re willing to take investment risk, pass on more of your wealth to your loved ones tax free. Retain control of your wealth in your lifetime. Save up to 40% Inheritance Tax

    Current Offers

    • Our choice Octopus Inheritance Tax Service
    • Blackfinch Adapt IHT
    • Downing Estate Planning Service
    View all IHT offers

    Our featured offers. The current offers with the most investment merit, in our view. Find out more about how we choose.

    IHT information

    • IHT Rules
    • IHT Portfolios Explained
    • Watch video interviews with IHT portfolio managers
    • Video explainer: What are IHT portfolios?
    How to beat the inheritance tax trap guide

    Free guide: How to beat the inheritance tax trap

    How can you beat Inheritance Tax? How can you pass on more to your loved ones? Download your free guide to find out.

    Get the guide
  • Alternatives
  • NEW: Quality Shares Portfolio
  • Log In To Portal
  • Home
  • About
  • Free resources
  • Register for deals

Don't invest unless you're prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more.

×

Estimated reading time: 2 min


Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be high risk.


What are the key risks?


1. You could lose all the money you invest

• If the business you invest in fails, you are likely to lose 100% of the money you invested. Most start-up businesses fail.


2. You are unlikely to be protected if something goes wrong

• Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. Try the FSCS investment protection checker here.

• Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA-regulated firm, FOS may be able to consider it. Learn more about FOS protection here.


3. You won’t get your money back quickly

• Even if the business you invest in is successful, it may take several years to get your money back. You are unlikely to be able to sell your investment early.

• The most likely way to get your money back is if the business is bought by another business or lists its shares on an exchange such as the London Stock Exchange. These events are not common.

• If you are investing in a start-up business, you should not expect to get your money back through dividends. Start-up businesses rarely pay these.


4. Don’t put all your eggs in one basket

• Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well.

• A good rule of thumb is not to invest more than 10% of your money in high-risk investments.


5. The value of your investment can be reduced

• The percentage of the business that you own will decrease if the business issues more shares. This could mean that the value of your investment reduces, depending on how much the business grows. Most start-up businesses issue multiple rounds of shares.

• These new shares could have additional rights that your shares don’t have, such as the right to receive a fixed dividend, which could further reduce your chances of getting a return on your investment.


If you are interested in learning more about how to protect yourself, visit the FCA’s website here.

  • Home
  • Videos

Videos

  • View all
  • EIS
  • SEIS
  • VCT
  • IHT
  • AIM
  • IHT-portfolios
  • AIM-IHT-ISA
  • Manager-Interview
  • Explainer
  • single-company
  • expert-panel
  • alternative-investments

What are Venture Capital Trusts?

What is the Enterprise Investment Scheme?

What are Inheritance Tax Portfolios?

What is the Seed Enterprise Investment Scheme?

What is an AIM Inheritance Tax ISA?

Why consider investing in forestry?

Investing in private companies

David Hall, British Smaller Companies VCTs

Charlie Huggins, Wealth Club Quality Shares Portfolio

Why invest in SEIS?

Sean O’Flanagan and Josh Northrop, Whitman AIM IHT Portfolio

Will Horlick, Molten Ventures VCT

  • Next
Products
  • VCTs
  • EIS investments
  • SEIS investments
  • IHT Portfolios
  • AIM ISAs
  • Register for deals
Member of UK Business Angels Association
Free Resources
  • Articles, news & reviews
  • Free guides
  • Videos
Member of Enterprise Investment Scheme Association
Company
  • About us
  • Press & media
  • Contact us
  • Call: 0117 929 0511
  • Find us on:
  • Twitter
  • LinkedIn
  • Youtube

Awards

Member of UK Business Angels Association Member of Enterprise Investment Scheme Association

Wealth Club Membership

When you request information from our website or register to receive news and alerts, you become a member of Wealth Club and will receive further information by post and/or email about our similar products and services. There are no costs or obligations attached to your membership and you can cancel it at any time or object to us processing your data by contacting us. Your personal data will remain confidential, and will never be passed to any other company, unless required by law.

Important Notice

This website is directed exclusively at, and intended to be used only by, persons in the UK who will be required to self-certify as Sophisticated Investors or High Net Worth Individuals before applying to invest in any of the products featured. It is not directed at any person where (by reason of nationality, residence, domicile or otherwise) the usage of the website is prohibited.

The investment products on this website are not for everyone. They are generally higher risk and require a longer investment term. You may get back less than you invest. It is therefore important that you understand the Risks and Commitments of these products.

We’ve made every effort to ensure the accuracy of the material on this website, but cannot guarantee its accuracy or currency. It reflects our understanding of current product and tax rules, which may change in future. It is for general information only and should not be regarded as constituting an offer or a solicitation to buy or sell any securities, or as investment or tax advice. If you are in any doubt as to the suitability of the products for your circumstances, please seek specialist financial or tax advice.

Wealth Club Limited is not responsible for the content of external third party material featured on our website.

  • Terms of Business [PDF]
  • Risks and Commitments
  • Privacy Notice
  • Cookie Policy
  • Regulatory Disclosure [PDF]
  • Shareholder Engagement Policy [PDF]

Copyright © Wealth Club 2023. Wealth Club Limited is authorised and regulated by the Financial Conduct Authority, register number 725176. Registered Office: 20 Richmond Hill, Bristol, BS8 1BA. United Kingdom. Registered in England and Wales, number 09831162

Log In To Portal