Blackfinch Group

Investment specialists working towards a more sustainable future

Blackfinch Group
Blackfinch Group

Adapt AIM Portfolios

An ISA-Friendly Inheritance Tax Solution

Many investors are storing up a potential Inheritance tax (IHT) liability in ISA savings. The Adapt AIM Portfolios can be held in an ISA, enabling clients to retain ISA tax benefits. They’re available for new and existing ISA transfers. Alongside this and mitigating IHT, clients can access the return potential in the Alternative Investment Market (AIM), and help to strengthen the UK economy.

An Exclusive Partnership

Our partnership with smaller company specialists Chelverton Asset Management means we can offer investors our combined skills and knowledge. Chelverton selects strong AIM-listed firms, avoiding those with valuations inflated often by being held in IHT portfolios. We can then build diversified portfolios that have little overlap with other providers.

Key Benefits

Expertise

The portfolios combine our tax-efficient specialism with Chelverton’s stock-picking expertise. Our partnership ensures highly diversified portfolios relative to other providers.

ISA Eligibility

Clients can hold their AIM-listed shares in an ISA wrapper, making for tax-free dividends with no Capital Gains Tax on investment growth. This is alongside targeting IHT relief.

Control

Clients have the choice of an Income or Growth portfolio. They always retain access to and control of capital and can withdraw funds or leave them invested for growth.

How it works

Consider an investor who has accumulated a large ISA pot after years of careful saving and investing. Although the ISA remains tax-efficient throughout the investor’s lifetime, it represents a potential IHT liability on death.

The below example illustrates potential savings following investment, while retaining the benefits of the ISA.

TOTAL VALUE OF ESTATE

£950,000

AMOUNT INVESTED INTO ADAPT AIM PORTFOLIOS

£300,000

AMOUNT LIABLE TO IHT

£325,000

TOTAL AMOUNT PAYABLE ON DEATH (40%)

£130,000

AMOUNT SAVED BY INVESTING IN ADAPT AIM PORTFOLIOS

£120,000