Stellar Asset Management Limited does not provide advice or make personal recommendations, and investors should seek independent advice before investing. © 2023 Stellar Asset Management Limited – All Rights Reserved. Past performance is no indicator of future success.AiM companies are also significantly more volatile than larger companies on LSE. This means that they may be unable to sell immediately, or will potentially fail to receive the best price. Interests in the AiM companies are not liquid so although an investor can request a withdrawal from their portfolio, there may be a delay. Investments are long-term and high risk.In the event of a conflict, Stellar’s investment committee will work to ensure it is resolved fairly and in lie with our conflict policy. The interests of one group of investors may not coincide with another, or an interest of Stellar. Plus, any changes to what constitutes a qualifying business activity may have a material adverse effect on the value of the business, or Stellar’s potential to achieve the objectives of the service. The rate of tax, tax benefits and tax allowances are subject to change and are also dependant on personal circumstance. In such cases, Business Relief could be lost or delayed. Qualifying business activities may subsequently cease to qualify for Business Relief. Qualifying business activities are not certain.There is no guarantee that the full value of an investment will be returned, or that sufficient investments in qualifying business activities will be made within the expected timetable, or at all. The value of a portfolio, or any income derived from it, can fluctuate.Our Inheritance Tax Services are not suitable for everyone, so here’s a summary of what an investor needs to know before getting involved – alternatively, click here for more information. There are never any guarantees in the world of investment, so it’s essential that advisers make their clients aware of the risks. To learn more about AiM and investing in our Stellar AiM Inheritance Tax Service, click here. Including approximately 40 AiM quoted companies – all of which qualify for Business Relief – the Stellar AiM ISA IHT Service aims to provide a blend of capital preservation and growth.This means that should the investor die with intent to pass on the ISA assets to their family, this investment may be subject to inheritance tax at 40%. Any capital growth is not subjected to capital gains tax – although the value of investments and cash held in ISAs are usually counted as part of a taxable estate.AiM shares, when held in an ISA, benefit from inheritance tax after 2 years – plus the income tax and capital gains tax benefits from the ISA wrapper.Transferring existing ISA investments is an easy and simple way to improve tax efficiency, as clients can retain income and capital tax relief – while also benefitting from IHT relief.The Stellar AiM ISA IHT Service works by either transferring existing ISAs or investing capital directly.Please find further details of the risks here. There is no guarantee that an investor will receive a full return. Tax reliefs are subject to change and dependant upon personal circumstance. Investing in our Inheritance Tax Services carries risks and is not suitable for everyone. Since 2013, AiM listed companies have also qualified to be included in Individual Savings Accounts (ISAs) – providing shelter from Inheritance Tax, as well as income tax and capital gains tax, to effectively encourage longer term investment. However, the good news is that there are certain types of investment that can be held in an ISA, which provide full relief from inheritance tax – as well as complete freedom on capital gains and income tax across all capital growth. Unfortunately, ISAs themselves are not exempt from inheritance tax – potentially leaving clients legacies at risks. ISAs are a great planning tool, and careful investment management means that clients can accumulate substantial tax-free capital within their portfolio.
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