Tax Efficient Investment

We want to ensure that your investments are held in the most tax-efficient way possible. With Liberate Wealth, you will have access to all available Cash and Stocks & Shares ISA’s, Personal Pension Plans and Self Invested Personal Pension Plans (SIPP’s), Offshore Bonds, Venture Capital Trusts and Enterprise Investment Schemes.

Personal Pensions and Self Invested Personal Pensions (SIPPs)

Planning for your retirement is crucial and using a Personal Pension or SIPP is one of the most tax efficient ways of saving. We provide access to all Stakeholder and Personal Pension Plan’s or if you want greater involvement, we use SIPP’s, where you can have more say in the investments or allow a Discretionary Fund Manager to manage the investment, or use the SIPP to buy your office, factory or other commercial property.

Offshore Bonds

As the name implies, Offshore Bonds are based outside of the UK and typically they are based in the Isle of Man, Dublin or the Channel Islands. These offshore centres provide a tax haven for your portfolio whilst it is held in an Offshore Bond. Income and Capital Gains tax is deferred until your investment is brought back into the UK. These products can be particularly effective for higher rate taxpayers, trusts and if you are seeking Inheritance Tax solutions.

Trusts

If you plan to use a trust to ensure your assets are held securely for the benefit of your family or a charity, we can set up an investment account for you, and advise which is the most appropriate investment vehicle, which may be a Managed Portfolio or an Investment Bond either held Onshore or Offshore. Trustees are responsible to the beneficiaries, for the assets held in trust and where invested assets are held, it is necessary to build a close relationship with the Portfolio managers, who keep the trustees up to date with regular valuations and reports.

Individual Savings Account (ISA)

Investing in Cash or Stocks and Shares ISA’s is a most efficient way of investing your money. We offer ISA investment directly with providers, via Platforms, if your portfolio requires on-going management.

Venture Capital Trusts (VCTs) and Enterprise Investment Schemes (EISs)

Investing in VCT’s and EIS does carry a higher element of risk, which is why it is important to find a good manager. As these funds invest in smaller UK companies, the Government offers serious tax incentives to investors such as:-

VCT

• Up to 30% income tax relief on the annual subscription (max £200,000)
• Tax free dividends
• Tax free capital gains on the disposal of shares.

EIS

• 30% income tax relief (on investments up to £1 million per tax year)
• Capital gains tax deferrals
• 100% Inheritance Tax relief (on investments held for 2 years or more)
• Up to 50% loss relief on any holding that falls in value
• Tax free growth

The levels and bases of taxation and reliefs from taxation can change at any time. Tax relief is dependent on individual circumstances.