Your 5-minute guide to ISAs
Behavioural science meets finance
Money is personal – and so are the emotions and biases that shape your decisions. That’s why we take the time to understand your mindset and tailor a plan that aligns with your goals. We can transfer our knowledge of behavioural finance to help you:
- Cut through media noise
- Overcome emotion and financial anxieties
- Challenge thought patterns and biases.
We’ll work with you to create a plan rooted in proven strategies – not timing or luck – so you can move forward with clarity and confidence
Venture Capital Trusts (VCTs)
Venture Capital Trusts (VCTs) are investment companies listed on the London Stock Exchange, created by the UK government to encourage investment in innovative, high-growth businesses. By pooling your capital with that of other investors, you gain access to a diversified portfolio of early-stage companies – typically those not available through mainstream funds.
VCTs are specifically designed for experienced investors with the right capital and a higher tolerance for risk. In return for supporting the next generation of UK businesses, you can benefit from attractive tax incentives:
- Up to 30% income tax relief on investments of up to £200,000 per tax year
- Tax-free dividends paid by the VCT
- No capital gains tax on disposals of VCT shares
Enterprise Investment Scheme (EIS)
The Enterprise Investment Scheme (EIS) is a government initiative designed to encourage investment in innovative, early-stage UK companies by offering a range of generous tax incentives. By investing directly in individual businesses through EIS, you gain the opportunity to support entrepreneurial growth – and potentially benefit from attractive financial rewards.
EIS is particularly suited for experienced, growth-focused investors with a tolerance for higher risk. The key benefits include:
- 30% income tax relief on investments up to £1 million per tax year
- Capital Gains Tax (CGT) deferral on gains reinvested into EIS-eligible companies, plus exemption on growth
- Full Inheritance Tax (IHT) exemption after two years, subject to qualifying conditions
- Loss relief: offset losses against your income or capital gains for valuable downside protection
