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• Inheritance Tax Planner

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Literature

• Brochure and Application Form
• A Guide to the T&C
• IHT Planner Q2 2008 Report
• IHT Planner Q1 2008 Report
• IHT Planner Q4 2007 Report
• IHT Planner Q3 2007 Report

All documents are in Adobe PDF format.

Inheritance Tax Planning

• The aim of the Rensburg Sheppards Inheritance Tax Planner is to reduce a potential inheritance tax liability by holding for at least two years and then retaining, a balanced portfolio of established companies selected from the London Stock Exchange's Alternative Investment Market (AIM). This also gives the potential for equity related returns.
• The portfolio will be managed by an experienced team who have a proven track record of investment in AIM companies.
• Investors should be aware that the value of the portfolios could fall as well as rise and therefore there is a possibility of loss of the capital invested. Past performance should not be seen as an indication of future performance.

The Investment Dilemma

Many individuals have generated significant wealth over recent years either through the appreciation of property, the sale of a business, accumulated savings or from an inheritance and are aware that over the long term equities have outperformed most other types of investment. Whilst wishing to retain control of their assets, they are also concerned that a significant proportion of their wealth may not be passed onto the next generation, due to the imposition of an inheritance tax (IHT) charge of 40% on most of their estate.

Over the past decade the threshold for IHT exemption has risen just over 100% to £312,000 (£624,000 for a married couple) yet average house prices have risen 179% over the same period. Typically it is the value of the house that pushes the estate over the threshold.

Most people think IHT is a tax for the rich, yet in the tax year 2006-07, 33,000 estates were expected to pay an average of £107,000 in IHT, giving a total tax bill of £3.6 billion. In spite of this, very few people have a strategy for IHT planning. In 2007-08 HM Treasury projects £4 billion will have been paid.

Conventional solutions to saving IHT often involve setting up a trust. This can prove an expensive exercise and it may take seven years to avoid any IHT charge. Additionally, you may lose access to your investments which may present difficulties if your circumstances change.

The Rensburg Sheppards Inheritance Tax Planner (RSITP) has been developed to provide a simple solution to this problem, enabling investors to reduce a potential IHT liability after only two years, provided the shares continue to be held thereafter, whilst retaining control of their assets and having the possibility of equity related returns.

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