Investment
& Tax

Tax efficient investing
At its simplest, Individual Savings Accounts (ISA's) allow money to be invested each year tax efficiently. However, there are whole rafts of other tax breaks the Chancellor has awarded to investment schemes that may suit your current requirements.

Venture Capital Trusts and Enterprise Investment Schemes qualify for tax relief on the investments and may even allow you to defer Capital Gains Tax on the sale of past investments. AIM listed share portfolios can be very tax efficient and the wealthy may wish to consider film partnerships for long term financial planning.

National Savings accounts and even the simple exercise of transferring funds to a non tax paying spouse should be considered.

Moore Stephens Financial Services have a great deal of experience in advising on these matters and are happy to talk you through the options and guide you to what is appropriate to your circumstances.

The Financial Services Authority does not regulate taxation advice.
You are advised that because investments can fall as well as rise, you may not get back the full amount invested.
Past performance is not a guide to future performance.

Do you want to mitigate inheritance tax?
For most people the desire to pass on their wealth to their children is a strong one. Inheritance Tax at 40% is a hefty tax which stands in the way of this. Fortunately there are plenty of strategies available to mitigate the effects of the tax, providing that you plan ahead.

For example, gifting funds, either directly or indirectly, could make a huge difference and can be done without sacrificing the income generated by those funds. Portfolios of shares listed on the smaller AIM market, become exempt from Inheritance Tax after two years and allow access to capital.

This is a large and complicated subject with many pitfalls.

At Moore Stephens Financial Services, we are able to offer comprehensive advice on these matters, often in conjunction with your legal adviser.

The Financial Services Authority does not regulate taxation and trust advice.

Investing for Income
With interest rates at such historic lows generating income from capital is more and more of a challenge, especially when often there is a need to achieve an element of capital growth too to provide for future increases in income.

Fortunately there are many different investments which do this well and can be accessed via different tax wrappers to minimise the effect of income tax.

At Moore Stephens Financial Services we are able to guide you through the maze of options to the solution that suits your requirements best. We can juggle your needs for income, future capital growth and simple administration to suit your requirements.

Do you want to invest for growth?
The Stockmarket has become more and more volatile and globally more interdependent. Investing for growth is becoming more difficult in a rapidly changing world without taking undue risks.

Investment risk means different things to different people and one person's safe investment is another's risky one!

Therefore a key part of our job at Moore Stephens Financial Services is to establish the parameters for your investment before guiding you through the thousands of different investments available, whilst endeavouring to ensure that any tax on the profits is minimised.

The Financial Services Authority does not regulate taxation advice.
You are advised that because investments can fall as well as rise, you may not get back the full amount invested. Past performance is not a guide to future performance.

Check your investments are performing to their potential
It is often the case that people build up a whole range of savings vehicles and investments with many different providers.

It is important to ensure that your existing arrangements are working as hard as possible for your benefit. Moore Stephens Financial Services are able to explain how to maximise returns from existing arrangements to ensure that you have the most cost effective and flexible accounts.

Are you concerned your investments are too risky?
The Stockmarket has become more and more volatile and globally more interdependent. Investing for growth is becoming more difficult in a rapidly changing world without taking undue risks.

Investment risk means different things to different people and one person's safe investment is another's risky one! Therefore a key part of our job at Moore Stephens Financial Services is to establish the parameters for your investment before guiding you thought the thousands of different investments available, whilst always ensuring that any tax on the profits is minimised.

The Financial Services Authority does not regulate taxation advice.
The levels, bases and reliefs from taxation may be subject to change.
You are advised that because investments can fall as well as rise, you may not get back the full amount invested. Past performance is not a guide to future performance.