Blackfinch Group

Investment specialists working towards a more sustainable future

Blackfinch Group
Blackfinch Group

Adapt IHT Portfolios

An Ethically Focused IHT Offering

Inheritance Tax (IHT) legislation, set against property values, means this tax remains a challenge for many. Our flagship IHT solution uses Business Relief (BR) for a swifter route to IHT exemption. Each client can choose from four model portfolios accessing BR-qualifying investments. These include options aligned with ethical investment concerns.

Three Investee Firms – Four Portfolio Options

Our three investee firms provide access to a wide range of opportunities

  • Lyell Trading: property development finance, investing across sectors and regions
  • Sedgwick Trading: renewables investment, investing in wind and solar energy
  • Henslow Trading: asset-backed finance, investing in business and property deals

The four portfolios access these firms, with different allocations to suit different needs.

  • Ethical: focus mainly on renewables and low carbon projects, target return of 3%*
  • Balanced: focus on capital preservation, target return of 4%*
  • Balanced Growth: focus on capital preservation with growth, target return 4.5%*
  • Growth: focus on growth, target return of 5%+*

*All target returns are net of costs and charges

Key benefits

Choice

Clients have the choice of four model portfolios. This means each can find what’s right for them in terms of sustainable investing, their overall objectives and their risk profile.

Value

We only take an annual management fee of 0.5% +VAT after we have achieved the minimum target return on the model portfolio that a client selects.

Control

Clients retain access to and control of capital, enabling withdrawals if their situation changes. They can also take regular payments or leave capital invested.

How it works

The below example illustrates potential savings following investment. This example excludes any other reliefs that may be available.

TOTAL VALUE OF ESTATE

£950,000

AMOUNT INVESTED INTO ADAPT IHT PORTFOLIOS

£400,000

AMOUNT LIABLE TO IHT

£225,000

TOTAL AMOUNT PAYABLE ON DEATH (40%)

£90,000

AMOUNT SAVED BY INVESTING IN ADAPT IHT PORTFOLIOS

£160,000