Tax Efficient Investing

Keeping more of your money to invest, save or pass on.

EIS, SEIS and VCT investments

Successive governments have implemented legislation to support certain investment types. We seek to use non-contentious solutions based on these statutory allowances. The tax relief can be up to 50% of the amount invested and may provide significant risk mitigation.

We have a strict due diligence process and dedicated resources for such investments. Several of our key Advisers are particularly skilled in this arena, and oversee the entire group’s activities. It is essential to build a detailed picture of your current position, asset base and past, present and likely future tax liabilities.

We also make sure we fully understand your attitude towards tax and investment risk. Our level of expertise has led to a number of other IFAs referring their clients to us for advice in this specific area.

Westminster Wealth Management offers full advice to clients on:

  • Enterprise Investment Schemes (EIS)

  • Venture Capital Trusts (VCT)

  • Seed Enterprise Investment Schemes (SEIS)

Disclaimer

  • These products are not typically suitable for the majority of retail investors but can be offered to clients with the appropriate circumstances.

  • Past performance of the fund or manager is no guarantee of its future performance. The value of investments in such an investment may fall considerably as well as rise.

  • Your capital is at risk and investors may not get back as much as they invested.

  • Investments are illiquid and therefore not as easy to sell as investments such as ‘blue-chip’ companies.

  • These investments should be considered as long-term holdings. The tax treatment of these investments is subject to change.

  • VCTs are high-risk investments and EIS/SEIS are very high-risk investments. There may be no market for the shares should you wish to dispose of them. There is a strong possibility of the underlying companies failing, and you may lose your capital.

  • Investments in small or early stage firms such as these have a significantly higher chance of failure which should therefore be offset against the potential for higher returns.

  • 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.

VCTs are high risk investments and there may be no market for the shares should you wish to dispose of them. You may lose your capital. Enterprise Investment Schemes (EISs) and Seed Enterprise Investment Schemes (SEIS) are very high-risk investments. An EIS/SEIS investment is usually concentrated in one single unquoted trading company. Often there is no market for the shares and it may therefore be very difficult to make a disposal. The underlying investments are in small or very small companies; the failure rate of such companies is significantly higher than that of larger companies.

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. The Financial Conduct Authority does not regulate tax advice or trusts.

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