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We’ve designed our venture capital trust (VCT), inheritance tax and Octopus Choice planning scenarios to help you develop strategies for your clients.

Some risks to bear in mind

 
Remember, our products are not suitable for everybody. The value of an investment, and any income from it, can fall as well as rise. Your clients may not get back the full amount they invest.

For our inheritance tax and VCT products, tax treatment depends on individual circumstances and could change in the future. Tax reliefs depend on portfolio companies maintaining their qualifying status. Also remember that the shares of smaller companies and VCT shares could fall or rise in value more than other shares listed on the main market of the London Stock Exchange. They may also be harder to sell. For a fuller discussion of risks, see our guide to risks .

For Octopus Choice, please note that investments are in loans backed by property and could be affected by property market conditions. For the same reason, instant access to your clients’ invested capital cannot be guaranteed. Peer-to-peer investments are not protected by the Financial Services Compensation Scheme (FSCS).
 
VCT Inheritance tax

 

Venture capital trust planning scenarios

 

Clients looking to reduce their income tax bill using their ISA

Read how clients with ISA investments could transfer them into a VCT to claim income tax relief.
Read the planning scenario

Clients looking to reduce their income tax bill

Read how high net worth individuals can use a venture capital trust (VCT) to reduce income tax liabilities across several tax years.
Read the planning scenario.

Clients looking to extract money from their pension tax efficiently

Read how a VCT could be used to make the most out of money extracted from a pension.
Read the planning scenario

Clients who are landlords looking to make tax-efficient investments

Read how clients with a regular buy-to-let property income could use a VCT to claim income tax relief.
Read the planning scenario

Clients likely to exceed the lifetime pension allowance

Read how clients can use VCTs to complement existing pension and retirement planning strategies.
Read the planning scenario

Clients in the medical profession looking at alternative ways to invest for retirement

Read how NHS professionals could use small company investing to offset tax on their various income streams.
Read the planning scenario

Clients who are additional rate tax payers

Read how high earners could use a VCT to complement existing pension and retirement planning strategies.
Read the planning scenario

Clients looking to extract money from a business tax efficiently

Read how a VCT could be used to help extract surplus money from a business in a tax-efficient manner.
Read the planning scenario

 

Visit our VCT business hub

 
 

Inheritance tax planning scenarios

 

Clients who require access to their investment

Read how clients can retain control of their wealth while also planning to minimise inheritance tax.
Read the planning scenario

Clients who want an inheritance tax-efficient ISA

Read how clients can move their ISAs out of the inheritance tax trap, without losing the ISA tax benefits or control over their assets.
Read the planning scenario.

Clients looking to settle assets into trust

Read how clients can plan for an immediate 20% charge on assets settled into a discretionary trust by investing in shares that qualify for Business Property Relief (BPR).
Read the planning scenario

Clients with a power of attorney in place

It can be difficult for clients with a power of attorney in place to pass on wealth tax-efficiently. Read how clients can plan for this by investing in Business Property Relief-qualifying shares that remain the property of the client.
Read the planning scenario

Clients who’ve sold a business in the last three years

Read how clients who have sold a business could invest the proceeds to reduce an inheritance tax liability on their estate.
Read the planning scenario

Visit our IHT business hub