Menu Back Personal financial planning Home Services Personal financial planning Tax-efficient savings and investments Tax-efficient savings and investments With pension contributions subject to increasing restrictions, tax-efficient investments such as Venture Capital Trusts (VCTs) and Enterprise Investment Schemes (EISs) are an increasingly attractive option for certain people – such as those with significant income tax liabilities or wishing to defer capital gains - in addition to more mainstream savings such as ISAs. If you’re looking for a long-term investment and are comfortable with a higher level of risk, then VCTs and EISs offer potentially significant relief from income tax, capital gains tax and inheritance tax. These tax breaks offered by the Government for investment in growing businesses are often subject to change, so it’s important to stay on top of these. The greater risk involved in these types of investment requires very careful consideration. In addition, it’s prudent to make the most of more familiar tax-efficient ‘wrappers’, such as ISAs and NISAs and of both spouses’ tax allowances, particularly if you’re a higher rate taxpayer. Our approach A trusted adviser You’ll have direct access to our highly qualified team of professionals to ensure you have the advice you need to keep on top of any changes in legislation and to manage your exposure to risk. Bespoke You’ll receive a very personal service, tailored to your precise needs over the long term. Independent We don’t provide our own financial products so you can be sure you’ll get independent, fee-based advice on the widest possible selection of relevant pensions and financial planning products. Integrated Our in-house colleagues include experienced tax planners who can provide you with a range of services where required. How we can help Choice: Outlining the various types of tax-efficient investments available and advising on which might suit you best, ensuring you’re aware of the risks and managing these accordingly. EIS and Seed Enterprise Investment Scheme: Advice on these unquoted investments offering a variety of tax reliefs for investors prepared to accept a high level of risk. VCTs: Advice on these tax-incentivised investments aimed at stimulating growth in the economy, and which offer a variety of tax reliefs for investors prepared to accept a higher level of risk. Inheritance tax portfolios: Advice on investment in unquoted securities including AIM-listed stock that can benefit from 100% business property relief from inheritance tax. Business property renovation allowance: Advice on investment into unused commercial properties in certain designated areas benefiting from capital allowances that can reduce your income tax liability. Insurance based investments: Advice on regular endowments and single premium onshore and offshore investment bonds. Risk warnings specific to EISs and VCTs VCTs/EISs are unquoted investments which are highly illiquid, with investors potentially having difficulty in realising their investment at a given time. They should therefore only be considered as a long-term investment, i.e. over five years. They also carry the risk of potentially losing all or part of your capital investment and therefore the return of your capital is not guaranteed. Our credentials Experience Our directors have an average of 20 years’ experience. Awards Named 'Top financial planning firm' by Find a Wealth Manager. Thought leaders Our directors regularly contribute expert commentary on tax-efficient savings and investments in the press and financial publications. Please remember investment involves risk. The value of investments and the income from them can fall as well as rise and investors may not receive back the original amount invested. Past performance is not a guide to future performance. Andrew Cunnington Director, Financial services Personal financial planning London +44 (0)207 131 4448 View profile Related content Personal Wealth Management Today’s financial markets are creating a lot of ‘noise’ and in this latest edition, we aim to bring our insight to help you identify and navigate today’s financial challenges. NEWSLETTER Weekly Tax Update 16 April 2019 The latest tax update and VAT round up for the week. ARTICLE Family wealth incorporated With trusts no longer having the tax advantages they once did, are family investment companies now the best way to get a good return on family savings? Investing in companies: Tax incentives Investing in smaller businesses is often viewed as risky. 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INSIGHT Weekly tax update 9 January 2018 The latest tax update and VAT round up for this week Share Follow us: Personal Services Solutions Business Services Solutions Industries Our People Insights Webinars Subscribe to Insights Careers Experienced hire Newsroom View newsroom Contact us Latest tweet Nexia Privacy statement Slavery and human trafficking Legal and Regulatory information Terms of use Complaints procedure Careers Fraudulent activity Contact us Andrew Cunnington Director, Financial services Personal financial planning London +44 (0)207 131 4448 View profile Contact us First Name Surname Email Telephone Message Please tick the box below Cookie Settings This site uses cookies to provide you with the necessary functionality and to provide a personalised experience. By using this site you agree to our use of cookies. Please read our cookie statement for more information on the cookies we use and how to delete or block them. Accept Adjust cookies settings