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Alternative Investing Guide

Opportunities for experienced investors

In this guide:

  • Understanding your investments - Find out the differences between Venture Capital Trusts (VCTs), Enterprise Investment Schemes (EISs), Business Relief (BR) and AIM Portfolios.
  • Case studies – See how the different investment opportunities apply in example scenarios.
  • Our ongoing service - If you are undertaking this type of planning, it is important that you work with a financial adviser who will continue to provide you with support once your investment has been made. 

Please note: These investment opportunities are only suitable for people who are experienced investors and have the capacity to absorb losses without their standard of living being significantly affected.

Investment performance can go down as well as up. Investing in these types of businesses is not suitable for everyone due to the increased potential for you to lose your capital and the Financial Services Regulator, The Financial Conduct Authority (FCA), has strict rules in place which must be followed before we discuss this type of investment with you.

 

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From this guide:

Our Approach

Assessing your planning needs

Individuals who would potentially benefit from this type of planning are:

  • High earners who are seeking strategies to reduce their income tax liabilities and may have a reduced ability to contribute to a pension plan due to the tapering of their pension allowances.
  • Company directors who are planning to sell their business and seeking investment opportunities which qualify for Business Relief (BR) as an influx of cash from the business sale increases the value of their taxable estate. 
  • Individuals with large capital gains perhaps from a sale of a second property or other asset of significant value, wishing to defer payment of CGT.
  • Individuals under an Enduring or Lasting Power of Attorney who are unable to make gifts to individuals or into Trust and who want to take steps to mitigate IHT on their estate.

Once we have identified a potential planning need we will:

  • Assess your capacity to take risk
    Cash flow planning is an integral part of our service and this enables us to identify individuals who have a surplus of wealth with which to meet their lifetime financial goals and have the potential to consider this type of planning. If capacity to take risk does not exist then this type of planning will not be right for you.
  • Assess your knowledge and experience of investing
    Having experience of investing and the ability to understand and be comfortable with investment risk is an essential requirement before undertaking this kind of planning. As part of our assessment we will ask you to complete a risk profiling questionnaire which will not only help us assess your knowledge and experience of investing but also your emotional responses to both gains and losses.

Download the full guide to read more.

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Our clients speak for us

Meet our expert team

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Daniel Schofield

Partner - DipPFS

Rated 4.7 out of 5

Top Rated Adviser 2022

Daniel provides advice focused on the disciplines of personal and corporate financial planning, investment portfolio management, Inheritance Tax (IHT) planning and mitigation, and legacy and succession planning.

Merve Oral

Financial Adviser - Chartered Financial Planner, FPFS

Rated 4.8 out of 5

Top Rated Adviser 2022

Merve is a Chartered Financial Planner and a Fellow of the Personal Finance Society. She creates bespoke financial plans in partnership with her clients to help them secure their financial future and enjoy their desired lifestyle with peace of mind. 

Sarah Beall

Financial Adviser - Chartered Financial Planner, FPFS

Rated 4.9 out of 5

A Fellow of the Personal Finance Society, Sarah has worked in financial services since 2011 and works in partnership with her clients to ensure they understand what they are capable of achieving and how they can get there. In particular, she provides clarity around complex strategies to put her clients at ease.