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Investment Consolidation

Investment Consolidation

How can I simplify my investment arrangements to have more time to enjoy my retirement?

Client Circumstances

  • Mr and Mrs Smith aged 72 and 68
  • Both in good health
  • Mr Smith is a higher rate tax payer
  • Mrs Smith is a non tax payer
  • 2 children and 6 grandchildren
  • Own their own property worth £750,000
  • Complex investment portfolio of ISAs, investment bonds, Unit Trusts, shares and National Savings and bank accounts total value £800,000
  • Mr Smith has high pension income

Recommended Solutions

  • Sell direct equity holdings - with Capital Gains Tax allowances
  • Maximise ISA allowances of £11,280 each
  • Transfer existing ISAs and Unit Trusts into a passive portfolio on an efficient platform
  • Transfer of non ISAs to Mrs Smith
  • Rebalancing and switching of funds
  • Assignment of bonds to Mrs Smith and then encashment
  • Reinvest £200,000 into a Discounted Gift Trust (DGT) (see Case Study IHT 2)
  • Closure and consolidation of bank accounts into Mrs Smith’s sole name

Benefits from advice given

  • Simplified administration
  • Less paperwork
  • One consolidated valuation
  • Co-ordinated asset allocation across total investment portfolio
  • Lower charges
  • Investment income more tax efficient in Mrs Smith’s hands
  • Immediate inheritance tax saving of £32,000 (£80,000 after 7 years)
  • Peace of mind and less stress
  • Investment Bonds encashed without additional Income Tax liability, DGT provides “income” flow of £10,000 per annum

Talk to us now!

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Future Servicing

We will look to carry out a regular review of your circumstances, objectives, needs and portfolio performance to ensure all arrangements continue to be suitable and advise of any changes that may be appropriate.

This example is for illustrative purposes only, based on current legislation and tax allowances. Tax rules and regulations are subject to change.

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