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The information in this area of the website is for UK-based financial advisers only.
If you are an individual interested in investing, you should select the Individual Investment area instead, as this contains the information relevant to investors and is designed for consumers.
Why advisers can’t ignore the growing estate planning advice opportunity
Triple Point explains why the increased need for estate planning strategies should include investments that use Business Relief for inheritance tax exemption.
Some advisers are still cautious about recommending VCTs to their client base. Here, we debunk the five most common myths associated with VCT investing.
In volatile times, VCTs can be a significant investment opportunity
The introduction of US President Donald Trump’s global trade tariffs, the consequences of which are likely to keep playing out in the months and years ahead.
Why diversification is key to a well-rounded VCT investment
VCTs have become a valuable tool for advisers—offering tax benefits, growth potential, and crucial diversification through early-stage company exposure.
Why diversification is key to a well-rounded VCT investment
VCTs have become a valuable tool for advisers—offering tax benefits, growth potential, and crucial diversification through early-stage company exposure.
High earning clients can still find themselves facing financial challenges, or with liquidity needs in the not-too-distant future.
Reuben is a 42-year-old Finance Director with an annual salary of £150,000.
He recently received an annual bonus of £50,000.
He initially considered putting that money into his pension, but while he knows this is probably the most tax-efficient option available to him, he is mindful that any large sums placed into his pension won’t be accessible until he turns 55.
Reuben would prefer not to tie up his money for that long.
POTENTIONAL SOLUTION
Reuben discusses his situation with his financial adviser, who talks through the benefits and the risks of investing in a Venture Capital Trust (VCT).
Reuben’s adviser tells him that if he invested £50,000 into a VCT, he would be able to claim up to 30% income tax relief on the investment, equalling £15,000, provided Reuben holds his VCT shares for the minimum five-year holding period.
Also, as most VCTs target a dividend, Reuben can expect to receive an annual tax-free income from his investment.
VCT dividends are completely tax-free and there’s no HMRC requirement for Reuben to declare them on his tax returns.
The potential for tax-free VCT dividends could prove especially attractive for high earners like Reuben, as the tax-free dividend allowance was reduced to just £500 on 6 April 2024.
An additional-rate taxpayer would need to receive an annual gross income of more than 8% from a unit trust or investment to match the income earned from a 5% tax-free VCT dividend.
This is a hypothetical scenario, provided solely for illustrative purposes. For simplicity, this illustration does not take into account investment growth or charges for the investment. It is based on the current tax rules and personal allowances as at April 2025, which could be subject to change and depend on individual circumstances.
Investor’s capital is at risk. The value of the investment and the rate of return can rise and fall. As VCTs invest in smaller, unquoted companies, their may be more volatility and investment risk than with a unit trust or investment company. Tax reliefs also depend on a VCT maintaining its qualifying status.
