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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.
With mortgage rates having risen from historic lows over recent years, many landlords are facing a dilemma, as their rental income results in an income tax burden.
Rental income can’t be put directly into a landlord’s pension, while selling the property would trigger an unwelcome capital gains tax bill.
Emma owns a portfolio of buy-to-let properties that currently generates an annual income of around £60,000 (after any allowances and deductions).
Her property portfolio is her only source of income.
At present, Emma’s income from her property portfolio is taxed as follows: She can claim a £1,000 tax-free property allowance and she pays income tax on the remaining £59,000 of income.
This leaves Emma with an annual income tax bill of £11,032.
POTENTIONAL SOLUTION
Emma discusses her situation with her financial adviser, who tells her that through a Venture Capital Trust (VCT), property owners can claim tax relief on their rental income.
Emma’s adviser talks through the benefits and the risks of investing in a VCT, and explains if she made an investment of £20,000 into a VCT, she would be able to claim up to 30% income tax relief on her investment.
This equates to £6,000, provided she holds her VCT shares for the minimum five-year holding period.
As a result of her investment, Emma reduces her income tax liability from £11,032 to £5,032.
Also, because most VCTs target annual dividends, Emma can expect to receive an annual tax-free income from her investment, and there’s no requirement for Emma to declare VCT dividends on her tax returns.
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. Tax reliefs depend on a VCT maintaining its qualifying status and target returns may not be guaranteed.
