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The Oxford Capital Estate Planning Service can be used to shelter part of your estate from Inheritance Tax.

When you invest, you acquire shares in unquoted holding companies. If you hold these shares for two years, and still hold them when you die, they could qualify for 100% relief from Inheritance Tax, through Business Property Relief.

The investment targets returns of between 3% and 5% per annum in the medium- to long-term, and offers investors a choice between capital accumulation and dividend income.

  • KEY INFORMATION
  • Please read the tax reliefs and risks information below before downloading an Information Memorandum.
  • £25,000 minimum subscription.
  • If you would like to withdraw your investment, you can ask us to sell some or all of your shares at any time. It is important to note that we cannot guarantee if or when we will be able to sell your shares. However, to date we have fulfilled all withdrawal requests within the timeframes specified in the Information Memorandum.
  • Any withdrawals of capital may increase your Capital Gains Tax or Income Tax liabilities, and withdrawn amounts will not qualify for Inheritance Tax relief.

  • TAX RELIEFS
  • Potential IHT saving of 40% of the amount invested.
  • Qualification for Business Property Relief, which is required for Inheritance Tax relief, is determined by HMRC after your death. As such, it cannot be guaranteed in advance.
  • Tax advantages are summarised based on current legislation, depend on your personal circumstances and are subject to change.

  • RISKS
  • The Estate Planning Service invests in unquoted companies. These companies are not listed on any stock exchange and there is no ready market for their shares.
  • Your capital is at risk and you should not invest unless you can afford to take this risk.
  • You should only invest once you have read the full Information Memorandum, particularly the sections that cover risks and charges.

Estate Planning Service - Independent reviews

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DOWNLOAD AN INFORMATION MEMORANDUM

Your privacy is important to us. We will never release your personal details to any third party for marketing purposes.

I am a client of an FCA authorised firm that will provide advice on the suitability of the product in question.

I meet the FCA’s definition of a certified high net worth investor

High Net Worth Investor Statement

I make this statement so that I can receive promotional communications which are exempt from the restriction on promotion of non-readily realisable securities. The exemption relates to certified high net worth investors and I declare that I qualify as such because at least one of the following applies to me:

  • I had, throughout the financial year immediately preceding the date below, an annual income to the value of £100,000 or more.  Annual income for these purposes does not include money withdrawn from my pension savings (except where the withdrawals are used directly for income in retirement).
  • I held, throughout the financial year immediately preceding the date below, net assets to the value of £250,000 or more. Net assets for these purposes do not include:

(a) the property which is my primary residence or any money raised through a loan secured on that property;

(b) any rights of mine under a qualifying contract of insurance; or

(c) any benefits (in the form of pensions or otherwise) which are payable on the termination of my service or on my death or retirement and to which I am (or my dependants are), or may be, entitled or

(d) any withdrawals from my pension savings (except where the withdrawals are used directly for income in retirement).

I accept that the investments to which the promotions will relate may expose me to a significant risk of losing all of the money or other property invested. I am aware that it is open to me to seek advice from an authorised person who specialises in advising on non-readily realisable securities.

 

 

I meet the FCA’s definition of a self-certified sophisticated investor

Self-Certified Sophisticated Investor Statement

I declare that I am a self-certified sophisticated investor for the purposes of the restriction on promotion of non-readily realisable securities. I understand that this means:

(i) I can receive promotional communications made by a person who is authorised by the Financial Conduct Authority which relate to investment activity in non-readily realisable securities;

(ii) the investments to which the promotions will relate may expose me to a significant risk of losing all of the property invested.

I am a self-certified sophisticated investor because at least one of the following applies:

(a) I am a member of a network or syndicate of business angels and have been so for at least the last six months prior to the date below;

(b) I have made more than one investment in an unlisted company in the two years prior to the date below;

(c) I am working, or have worked in the two years prior to the date below, in a professional capacity in the private equity sector, or in the provision of finance for small and medium enterprises;

(d)  I am currently, or have been in the two years prior to the date below, a director of a company with an annual turnover of at least £1 million.

I accept that the investments to which the promotions will relate may expose me to a significant risk of losing all of the money or other property invested. I am aware that it is open to me seek advice from someone who specialises in advising on non-readily realisable securities.

 

I am prepared to sign the FCA’s Restricted Investor Statement

Restricted Investor Statement

I make this statement so that I can receive promotional communications relating to non-readily realisable securities as a restricted investor. I declare that I qualify as a restricted investor because:

(a) in the twelve months preceding the date below, I have not invested more than 10% of my net assets in non-readily realisable securities; and

(b) I undertake that in the twelve months following the date below, I will not invest more than 10% of my net assets in non-readily realisable securities.

Net assets for these purposes do not include:

(a) the property which is my primary residence or any money raised through a loan secured on that property;

(b) any rights of mine under a qualifying contract of insurance; or

(c) any benefits (in the form of pensions or otherwise) which are payable on the termination of my service or on my death or retirement and to which I am (or my dependants are), or may be entitled.

(d) any withdrawals from my pension savings (except where the withdrawals are used directly for income in retirement).

I accept that the investments to which the promotions will relate may expose me to a significant risk of losing all of the money or other property invested.

I am aware that it is open to me to seek advice from an authorised person who specialises in advising on non-readily realisable securities.

 

I am requesting information on behalf of an FCA authorised firm, accountant or tax adviser and I will only communicate the information to certified sophisticated, high net worth or restricted investors.

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