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Estate planning products and services

We’re the UK’s largest manager of investments that qualify for Business Property Relief (BPR)*. Once BPR-qualifying shares have been owned for at least two years, they can be passed on free from inheritance tax upon the death of the shareholder.

Here you’ll find an overview of our inheritance tax products and our helpful inheritance tax tools.

* Source: Tax Efficient Review, April 2017

Some risks to keep in mind

Client-specific circumstances may result in different levels of inheritance tax being due and legislation may change in the future. Tax reliefs depend on the portfolio companies maintaining their qualifying status. Also be aware that our estate planning solutions will place your clients’ capital at risk, so they need to be aware they could get back less than their original investment.

Make sure you read the ‘What are the risks?’ section on the product pages.

Inheritance tax tools

Inheritance tax is a complicated topic, so we’ve designed some tools to help you understand some of the key areas as an easy to use starting point to providing advice for your client.

Residence nil-rate band calculator  To help people make sense of their inheritance tax situation.

Gifting calculator  To show the impact that gifting could have on the value of an estate.

A guide to inheritance tax  Designed for you, so you can walk your clients through their options.

 

Inheritance tax products

Octopus Inheritance Tax Service

Our flagship service has been helping investors pass on more of their wealth to their loved ones for over a decade.

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Octopus AIM Inheritance Tax Service

Our Smaller Companies team invests in AIM-listed companies with the objective of achieving capital growth and inheritance tax relief.

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Octopus AIM Inheritance Tax ISA

A tax-efficient investment that can help clients pass more of their wealth to loved ones while enjoying the tax benefits they would expect from any ISA.

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Doing good things with investors’ money

We want the money we invest to make a big difference to people’s lives. That’s why our investments include:

  • Companies addressing the needs of older people by building retirement villages, care homes and private hospitals.
  • Renewable energy facilities that are helping to reshape the UK energy market.
  • UK smaller companies that are creating thousands of jobs and generating economic growth.

Watch these videos to see the good things we’re doing with investors’ money through the Octopus Inheritance Tax Service.

Award-winning support for advisers

Our goal is to set the standard in supporting advisers with a range of materials to help your conversations with clients. That’s why we’re proud to have won Five Stars at the Financial Services Awards four years running, from 2013-2017. We’re pleased to have also won the Moneyfacts Best Tax and Estate Planning Solutions Provider Award in 2016 and 2017. Get in touch with your local Business Development Manager to see:

  • Client estate planning scenarios and case studies
  • Comprehensive information to help with your due diligence
  • Educational materials explaining how BPR compares against other estate planning strategies.
  • Our regular estate planning workshops, webinars and other events.

 

Please read

Before deciding to invest, your clients must understand all of the risks and read all product literature carefully, which is available on the product webpages.

Nothing on this page constitutes investment, tax or legal advice. Estate planning investments may not be suitable for everyone so we recommend investors speak to a financial adviser. Any recommendation should be based on a holistic review of your client’s financial situation, objectives and needs.