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Investment Week 'Tax-Efficient Group of the Year 2018'.


The UK Government offers generous tax breaks to encourage you to save, and one of the most popular and accessible is an ISA. You can invest in a ‘stocks and shares’ ISA and/or a ‘cash’ ISA. An ISA, or Individual Savings Account, is not an investment in its own right – rather, the best way to think of a NISA is as a ‘wrapper’ in which you can shelter your savings and investments from tax.

Following a change to the rules on 5 August 2013, shares quoted on the AIM market can now be held within an ISA. This has made it possible to combine ISAs with estate planning by investing in certain AIM shares. This is because the value of AIM shares that carry on certain qualifying trades are exempt from UK inheritance tax if they are held for at least two years, and provided they are still held at death.

The relief you get depends on your individual circumstances and the tax rules may change in future. HM Revenue & Customs law and practice can change over time and investors who are unsure about their tax status should get independent advice from a professional adviser.

ISA products

IHT relief after 2 years. Combines IHT...

Important Notice

Investing in our products will place your capital at risk and you may not get back the full amount invested. Any tax treatment may be subject to change and the availability and value of the reliefs depend on the individual circumstances of each investor. The availability of tax reliefs also depends on the investee companies maintaining their qualifying status.

Further information can be found at HMRC’s website. Neither past performance or forecasts are reliable indicators of future results and should not be relied upon. Unquoted or smaller company shares are likely to have higher price fluctuations and are likely to be more difficult to sell than shares quoted on the London Stock Exchange Official List. Website content is not intended to constitute investment, tax or legal advice. We recommend you seek independent advice before investing in any of our products.

Important Notice

Downing’s investments place your capital at risk and you may not get back the full amount invested. Past performance and forecasts are not a reliable guide to future results. Tax treatment may be subject to change and depends on individual circumstances. Smaller company shares are likely to have higher volatility and liquidity risks than other types of main market listed instruments. We recommend that you seek professional independent financial advice before investing. We do not offer investment or tax advice.

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