What are the other Investment Options?
Investment bonds are usually classed as single premium, non-qualifying (the policy does not benefit from the tax advantages available to qualifying policies), whole-of-life assurance policies. They can be held on a single or joint life basis.
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A venture capital trust or VCT is a highly tax efficient UK closed-end collective investment scheme designed to provide private equity capital for small expanding companies, and income (in the form of dividend distributions) and/or capital gains for investors.
VCTs are not suitable for everyone, the tax incentives exist because of the greater risks involved with investing in smaller companies, which mean you could get back less than your original investment. Tax treatment depends on individual circumstances and may change in the future, and tax reliefs depend on the VCT maintaining its qualifying status.
Is a series of UK Tax reliefs launched in 1994 in succession to the Business Expansion Scheme. It is designed to encourage investments in small unquoted companies carrying on a qualifying trade in the United Kingdom.
Investment in companies that are not listed on a stock exchange often carries a high risk of loss of capital, and low Market liquidity meaning that it may be difficult or time consuming to sell or realise the investment. The tax reliefs available under EIS are intended to offer investors some incentive to counterweigh those risks.
Structured products are a class of investment product created to offer a return that differs from the returns available directly from the underlying investment. They don’t necessarily take the risk out of investing, but they should be designed in a way that will help you understand easily what the likely outcomes are for your investment. Most structured products are made up of a combination of cash and derivatives:
The cash element is usually made up of medium-term notes (MTNs). In essence, these are loans to the companies that issue them. They are designed to run for the required time and most products not issued directly by a financial institution would buy MTNs from recognised financial companies such as banks and building societies.
The derivative element provides exposure to the underlying stock market index.