BR Industry Report 2019
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- Understand how BR sits within the current IHT landscape.
- Define the recent market impacts on AIM-based BR offers and how providers seek to mitigate them Identify trends in BR investment offerings
- Evaluate popular sectors within BR investments, including their robustness in the face of current geopolitical conditions
- Ascertain the current views of advisers on BR including concerns and preferences
- Benchmark current products and providers against each other on key investment criteria.
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Brief Overview
With post-Brexit economic forecasts and an intensifying government concentration on IHT collection, it’s hard to foresee any dilution of IHT in its current format any time soon. In fact, IHT receipts are forecast to reach almost £6 billion in just three years.
Recommending an investment to mitigate IHT at a time of so much economic and political upheaval seems like a daunting task. The latest edition of our BR Industry Report suggests otherwise, with an adviser survey finding that less than 4% of advisers who recommend BR, view it as harder to recommend in the current Brexit turmoil. Almost all advisers also predicted their use of BR to increase or stay the same over the next two years, with the rest expecting it to stay the same.
AIM focused BR managers took a battering in Q4 2018 and the government is shouting from the rooftops about closing the tax gap amid increasing IHT investigations. It’s clearly not a time to go it alone. But, while there may be increased scrutiny of all estate planning, there is certainly plenty of scope for new opportunities for those with the relevant BR expertise. A need for tax-efficient vehicles to accept funds disallowed from pensions and indications of under-use of BR by lower value estates are good places to start.
Partner Quotes
“With Business Relief a key component of tax planning, it continues bringing benefits to clients and the economy, supporting tax mitigation aims alongside growing companies.”
“Inheritance tax planning often forms a key component of a financial adviser’s proposition and therefore having access to attractive Business Relief qualifying opportunities should be an important part of a diversified approach.”
“We believe the BR market is entering a mature phase – the gold rush is over and some serious mining is now required.”
“With recent market volatility we’ve seen advisers focusing on asset-backed portfolios focused on capital preservation. There had been a noticeable increase in advisers looking into the underlying investments in detail. At TIME we recognise the importance of offering full transparency around our research process and investment criteria.”
“Advisers are rightly questioning the level of underlying holdings that a provider has and how this translates to liquidity should substantial withdrawals be necessary.”
Comments on the BR market
“Investments that qualify for Business Relief have shown an increasing popularity in recent years amongst both advisers and investors as they offer greater flexibility and speed than many other conventional solutions.”
“The trend in recent years has been for HMRC and the tribunal to require a very high level of additional services over and above simple property letting in order to qualify for BR.”
“Investment in BR has increased over recent years. We would expect this trend to continue, particularly as spending on care becomes more of a mainstream planning consideration for individuals.”
Partners
Blackfinch Investments is an established and experienced manager in the UK market for tax efficient and capital protected investments. Blackfinch specialise in Inheritance Tax mitigation through Business Property Relief (BPR) for both individuals and corporate entities, Enterprise Investment Scheme (EIS) Portfolios and also Seed EIS (SEIS) Portfolios. With a focus on capital preservation, Blackfinch look to protect investor capital through asset backed investment strategies in sectors such as property, lending, renewable energy and media. Underpinning this investment strategy is a first class client services and intermediary support team based in both London and Malvern, Worcestershire. Their approach embodies the Blackfinch philosophy: efficient client-focused solutions delivered in a simple and transparent way.
Deepbridge is a different kind of investment manager. We work closely with financial advisers and investors to design innovative products, ranging from investment in technology growth companies to asset-backed renewable energy projects. We also partner with innovative and committed management teams to help UK based companies realise their potential and become successful leading-edge businesses. Deepbridge operates across four principle divisions: disruptive technology, sustainable technologies, life sciences and renewable energy. Take a look through our website to find out how we could help you.
At Downing, we aim to make a difference in the lives of our investment community. We design & manage investment products that help investors look after their financial wellbeing, while our investment partnerships support businesses in their ambitions.
In uniting the two, we build lasting relationships that become the foundation of our investment community. And in our openness to learn how to develop these we continue to evolve. We value flexibility, transparency and integrity in everything we do.
TIME provides tax efficient investment solutions and we’re proud to say we’re rather good at it – our original Inheritance Tax service boasts an impressive 22 year track record of successfully achieving Inheritance Tax savings for our investors. What stands us apart in our market is our focus on seeking consistent stable returns which we deliver through a defensive investment strategy. We pride ourselves on offering real transparency around our products, what we invest in and what the risks are. We’re dedicated to supporting the adviser market and we recognise that our services require professional advice, which is why we don’t accept direct investments. We also have a nationwide sales team on hand to assist financial advisers in identifying solutions for their clients’ financial concerns, dealing with technical queries and delivering one-to-one support.
We are an established private partnership founded in 2004. As an expert investment company, we build innovative products for investors and offer attractive financing solutions to a range of businesses and organisations in both the public and private sector.
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