Zenzic Estate Planning Service
Investing in shares which offer Business Relief from inheritance tax
What is the Zenzic Estate Planning Service?
The Zenzic Estate Planning Service (“ZEPS”) enables investors to acquire shares in established UK real-estate lending businesses, providing access to attractive real-estate lending opportunities. ZEPS aims to protect capital and maximise returns as well as qualifying for Business Relief from Inheritance Tax (“IHT”). We believe that ZEPS offers an attractive risk adjusted return which could provide investors with welcome income or deliver future capital growth, whilst also forming part of an estate planning solution for future generations to benefit from.
ZEPS advances secured loans to SME real-estate groups across numerous developers, locations, scheme sizes and real-estate asset classes. This provides a diversified, asset-backed portfolio underpinned by UK real-estate.
Under Business Relief, qualifying investments which have been held for more than two years, are IHT free.
Reasons to Invest
- Asset-Backed Investments
- Strongly performing sector underpinned by long-standing supply/demand imbalance
- Diversified underlying investments
- Income and/or capital growth
- Low correlation with traditional investments
- Potential inheritance tax relief on the amount invested
Growth
&/or Income
Investment Options
Key Features
- Capital Preservation
Diversified underlying portfolio secured against UK real estate
- Access & Control
You maintain access to and control of your investment. Submit a request to withdraw capital at any time
- Tax Efficiency
Shelter your investment from inheritance tax (IHT) through business relief (BR)
- Income &/or Growth options
You can select between “Income” and / or “Growth” or create a bespoke combination of both “Blended”
- Operational Liquidity
Loans mature with different repayment timelines creating natural liquidity in a portfolio
- Experienced Team
We have an extensive team of finance and real estate professionals with a strong track record
Asset
Backed
Investment
About Business Relief
Business Relief (“BR”), formally known as “Business Property Relief” was first brought into Inheritance Tax legislation in 1976. At that time, its primary objective was to ensure that family-owned businesses could continue operating as viable trading entities after the owner/s had passed away, without the need for them to be sold, broken up or refinanced in order to satisfy an inheritance tax obligation. Over time, successive UK governments have grown to value the importance of encouraging people to invest in such trading companies, whether or not they are running the company themselves.
BR has become an established tax relief for more than 40 years.
Investments that are made in shares that qualify for BR can be passed on free from inheritance tax upon the death of the investor, provided that the shares have been owned for at least two years at that time.
Investors should be mindful that investments in trading companies can go down as well as up and investors may not get their initial investment back. It’s worth noting that the availability and/or advantages of Business Relief may vary over time as it is subject to review and amendment by the UK government. As such, it’s important to regularly review the current rules and regulations surrounding Business Relief to ensure that it remains a viable option for reducing IHT liability as the value of tax relief depends on your individual circumstances.
What qualifies for Business Relief?
You can get 100% Business Relief on:
- A Business or Interest in a Business
- Shares in an unlisted Company
- The Company is a trading company, not an investment company
- At the time of death, the investor has owned the shares for at least two years
News and Insights
Business Relief Update featuring Tom Lloyd-Jones
By building a solid core of broad-based, lower-risk investments and adding a satellite allocation to specialist managers or niche asset classes, you can enhance
Finalist for Best New Product or Service award at Growth Investor Awards
Excited to receive our second nomination as finalists at Growth Investor Awards, this time for Best New Product or Service!
Zenzic is shortlisted for Best BR Service – Emerging at the Growth Investor Awards!
We are delighted to be finalists for Best BR Service – Emerging at the Growth Investor Awards. Zenzic’s team hard
Intelligent Partnership Meet the Manager Interview
Tom Lloyd-Jones, CIO of Zenzic Capital recently sat down with Guy Tolhurst of Intelligent Partnership to talk through all things
Interview with Tom Lloyd-Jones
On July 17th, we conducted a live interview with Tom Lloyd-Jones, CIO of Zenzic Capital and Ben McMeekin from Sapphire
Live Interview with Tom Lloyd-Jones
Join us for a live interview on 17th July at 11am with Tom Lloyd-Jones, Chief Investment Officer at Zenzic Capital,