Complex investment needs? Why our Multi-Strategy Estate Planning Service could be the answer

By 2022-23, Inheritance Tax receipts are predicted to rise to £6.4 billion, according to the OBR. To put this in perspective, a decade prior they were £3.1 billion[1]. As the number of people subject to Inheritance Tax increases, it’s important to deliver versatile investment solutions to meet their different needs. Just over a year ago, we launched the Puma Multi-Strategy Estate Planning Service (MS EPS) to do just this.

A flexible investment

Investing in companies that qualify for Business Relief is a popular way to mitigate Inheritance Tax. Through our simple product, investors can access Business Relief through private trading companies, AIM shares, or a combination of both. You can also tailor the level of investment in each as your risk appetite changes – delivering 100% control of the investment and a solution that works over the course of a lifetime.

MS EPS is unique: it’s the only product in the market that enables investment in listed and unlisted Business Relief-qualifying companies – with no need for multiple applications. It delivers diversified investment opportunities, tailorable risk levels and exposure to varied financial markets. And the minimum investment is £15,000, ensuring a broad range of investors can benefit.

What’s more, you can access our AIM service through an ISA wrapper to enhance tax efficiency. And after a qualifying period, the AIM service will protect the ISA from Inheritance Tax.

Providing peace of mind

Many Business Relief investments require a two-year holding period before they deliver Inheritance Tax relief, which may not suit all investors. An attractive quality of our service, designed to mitigate this, is the optional Life Protection that comes with MS EPS. Were a policyholder to die during the qualifying period, the insurance seeks to cover Inheritance Tax liabilities related to the investment.

It’s available for investors up to 90 years and three months (with medical exclusions), giving security to those for whom Inheritance Tax mitigation is a pressing concern. 

MS EPS is a market-leading solution. We’re proud to have delivered the first dual-service, insurance-protected product of its kind – providing added flexibility for tax-efficient investing.

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This communication is a financial promotion issued by Puma Investments in accordance with section 21 of the Financial Services and Markets Act 2000. Puma Investments is a trading name of Puma Investments Management Limited which is authorised and regulated by the FCA (FRN 590919).

Risk Factors

An investment in the Service carries risk and may not be suitable for all investors. Investors can only invest in the Service through a Financial Adviser who has assessed that an investment in the Service is suitable.

Past performance is no indication of future results and share prices and their values can go down as well as up.

Tax reliefs depend on individuals’ personal circumstances, minimum holding periods and may be subject to change.

Life Protection for Puma Multi-Strategy Estate Planning Service is subject to certain conditions, if these conditions are not met in full then Puma Investments will not be paid out and so no payment will be made to beneficiaries.

An investment in smaller companies is likely to be higher risk than other investments. Investors’ capital may be at risk and investors may get back less than their original investment.

An investment in the Service should be considered a long-term investment.

It is unlikely there will be a liquid market in the relevant underlying investments and it may prove difficult for investors to realise their investment immediately or in full. AIM stocks in particular are characterised by significant spreads and volumes.