Our products and services provide innovative and robust solutions to help preserve and enhance your wealth. They concentrate on high elements of capital protection or capital preservation whilst taking advantage of various tax reliefs guaranteed by HMRC.
Please select one of the options below to discover how the Blackfinch Investment portfolios can benefit you:
The Blackfinch IHT Portfolios allow you to mitigate inheritance tax after 2 years whilst maintaining access to and control of capital. Read more
Blackfinch have teamed up with Chelverton Asset Management to offer a discretionary portfolio service designed to mitigate IHT by investing in a portfolio of AIM shares, carefully constructed by our team of specialist investors. Read more
Our EIS Portfolios provide access to the attractive tax benefits of EIS by investing into companies which benefit from underlying security through real assets and strong revenues, whilst also providing opportunity for growth. Read more
Media EIS Portfolios
The Blackfinch Media EIS Portfolios allows investors to access the attractive tax benefits of EIS by investing into media companies that target capital preservation. Read more
Blackfinch Investments Limited
Blackfinch House, Chequers Close, Malvern, Worcestershire WR14 1GP
Blackfinch Investments Ltd is authorised and regulated by the Financial Conduct Authority.
Terms and Conditions | Cookies & Privacy | Important Information
F 020 7160 9319
Terms and Conditions
This page contains important information about your usage of this site and should be read carefully. Your use of this website indicates that you accept these terms. We make no warranty that the website will meet your requirements. The information provided is for general guidance only and no information on this site constitutes investment, tax, legal or any other advice.
Please remember that past performance is not a guide to future performance. The value of investments, and the income derived from them, may go down as well as up and you may not get back the amount originally invested.
The products referred to in this website may have tax consequences for which independent professional advice should be sought. Any reference to taxation in this website is based on our interpretation of current UK tax law and practice, which may change in the future.
An investment into any of our products or services may only be made on the basis of the information set out in the respective product brochure and terms and conditions.
Other than where required by law, we provide no warranty as to the quality or fitness for purpose of the website or that it is free of errors, viruses or bugs. In addition we make no representation or warranties about the accuracy or the information contained on this website. Any errors should be reported to Blackfinch Investments immediately. We have taken reasonable care to ensure that the information provided by this site is accurate at the time of publication; however, no representation or warranty, express or implied, as to the reliability, accuracy or completeness of such information is given.
The contents and material on this website belong to Blackfinch Investments Limited and should only be downloaded for the purposes intended. You should not reproduce or distribute the contents for private use without our consent.
Cookies and Privacy
The privacy of your personal data is an important concern to us.
Personal information which we receive via this website will be used only to enable us to communicate with you. If you do not wish us to use such information, please write to the Compliance Officer, Blackfinch Investments Limited, Blackfinch House, Chequers Close, Malvern, Worcestershire WR14 1GP.
Personal information will be processed in accordance with relevant laws for data protection. Blackfinch shall take all reasonable precautions within our control in order to protect such data and accept no liability for any information that falls into the hands of a third party in such a way that is beyond the reasonable control of Blackfinch.
You have the right to access the information that is held about you. To obtain a copy of this information, please contact us. We reserve the right to charge a fee for this service. Should you believe such personal information is not correct, please write to us and we will promptly correct any information found to be incorrect.
Our website may include links to other websites whose content is not under our control. We cannot accept any responsibility for the content within these websites.
Telephone calls may be recorded and recordings may be used for training purposes or to meet our Regulatory requirements. Any data provided during the call will be used and held in accordance with the relevant data protection requirements.
We may store information about you using cookies. A cookie is a small text file received and stored by your browser. Cookies are useful because they enable a website to recognise your browser and to send individualised information to it. A cookie can, for example, contain text, numbers and dates, but does not hold any personal information. A cookie is not a program and it cannot contain a virus. Some cookies are automatically deleted when the browser is shut down, while others remain live for several months.
Cookies are used to enable the personalisation of your visits to our website and to keep track of your preferences. This is to provide us with generic usage statistics to help us understand and improve this site.
Cookies cannot look into your computer and obtain information about you or your family or read any material kept on your hard drive and, unless you have logged onto an authenticated page, cookies cannot be used to identify who you are. Cookies will not be used to contact you for marketing purposes other than by advertising on this Site from time to time.
You can set up your browser to block all cookies, delete existing cookies or issue a warning before any new cookie is downloaded. Please consult your browser’s Help function for instructions on how to do this. Further information about how to disable and delete cookies is available at www.aboutcookies.org.
Cookies are often used to enable and improve certain functions on our website. If you choose to switch cookies off, you could lose the benefits of enhanced speed of access and navigation of the website.
Blackfinch Investments Limited is authorised and regulated by the Financial Conduct Authority (“FCA”). Our FCA reference number is 153860. Registered address: Blackfinch House, Chequers Close, Malvern, Worcestershire WR14 1GP. Registered in England & Wales under No. 2705948.
Blackfinch Corporate Services is part of the Blackfinch Group of companies and is not authorised or regulated by the Financial Conduct Authority ("FCA"). Registered address: Blackfinch House, Chequers Close, Malvern, Worcestershire WR14 1GP. Registered in England & Wales under No. 06301320.
This website has been issued and approved for the purposes of section 21 of the Financial Services and Markets Act 2000 as a financial promotion under the Financial Services and Markets Act 2000 by Blackfinch Investments Limited. This website is not an offer or invitation to apply for investment into Blackfinch’s products and services. Any application for investment should be made solely on the basis of the relevant brochure, the terms and conditions and the application form relating to the Investments.
Risk Warnings (IHT Portfolios)
The investments referred to on this website may not be suitable for all investors and we recommend that you seek independent tax and financial advice before making a decision.
You should carefully consider all the risks relating to each investment. The following risk factors relate to the Blackfinch IHT Portfolios and you should carefully consider whether an investment in the Blackfinch IHT Portfolios is suitable for you in light of your personal circumstances.
Values and Returns: No representation is or can be made as to the future performance of the Blackfinch IHT Portfolios or that the Blackfinch IHT Portfolios will receive the level of returns contained in this Brochure. The assumptions are assumptions only and these may not be realised. Blackfinch IHT Portfolio invests in small, unquoted companies. Your capital is at risk and the investment return is not guaranteed. The value of your investment and the returns you receive are dependent on the value of the assets in the company or companies that Blackfinch IHT Portfolios invests your money into, and any income they earn.
Taxation: Any changes to the taxation environment or HMRC practice may affect investment returns. Accordingly, you will have your own tax position to consider and must take your own independent professional advice in this matter. You may be liable to make tax payments on any amounts you withdraw from the investment. Future Performance: Past performance does not imply that future trends will follow the same or a similar pattern. Forecasts made in this Brochure may not be achieved. There is a risk that you will not get back the full amount invested.
Liquidity: Blackfinch IHT Portfolios is a long term investment. Shares in qualifying companies have to be held for at least two years at the date of death in order to benefit from the IHT relief. Investments made by Blackfinch IHT Portfolios are in unquoted companies and therefore are not readily realisable, unlike companies listed on the London Stock Exchange. Any disposal of shares, whether regular or one off, will reduce the value of your portfolios and erode future returns and such disposals will cease to qualify for BPR.
Business Property Relief (BPR): We will invest in companies which we reasonably believe qualify for BPR, but we can give no commitment that any such investment will remain a qualifying investment at all times in the future. The relief is assessed by HMRC on a case-by-case basis at the time of death of the investor, as part of the probate process, and therefore cannot be guaranteed. The proportion of the investment that is deemed to qualify at that time, assuming it has been held for at least two years and is still held at time of death, can be passed to beneficiaries free of IHT. The two-year timeframe begins when HMRC deems the investment has become BPR qualifying, which may be later than the investment date.
Conflicts of Interest: Blackfinch IHT Portfolios investee companies may acquire shares in, or assets from, other companies managed by Blackfinch Investments Limited. They may also make loans to other entities which are managed by Blackfinch Investments Limited or in which Blackfinch Investments Limited has a financial interest. All loans and transactions will be on an arm’s length basis and will be ratified by the non executive directors of the Blackfinch IHT Portfolios investee companies.
Risk Warnings (EIS Portfolios)
You should carefully consider all the risks relating to each investment. The following risk factors relate to the Blackfinch EIS Portfolios and you should carefully consider whether an investment in the Blackfinch EIS Portfolios is suitable for you in light of your personal circumstances.
Values and Returns: The capital invested in the Blackfinch EIS Portfolios is at risk. The value of your investment may go down as well as up and you may not get back the full amount invested. There is no guarantee that the targeted return per annum will be achieved. No representation is made or can be made as to the future performance of the Blackfinch EIS Portfolios, or that the Blackfinch EIS Portfolios will receive the level of returns contained in this brochure. The assumptions are assumptions only and these may not be realised. The value of your investment and the returns you receive are dependent on the value of the assets in the investee company that Blackfinch EIS Portfolios invests your money into and any income it earns.
Taxation: Any changes to the taxation environment or HM Revenue & Customs (HMRC) practice may affect investment returns. Rates of tax, tax benefits and allowances described in this brochure are based on current legislation and HMRC practice and depend on personal circumstances. These may change from time to time and are not guaranteed. Accordingly, you will have your own tax position to consider and must take your own independent professional advice in this matter. You may be liable to make tax payments on any amounts you withdraw from the investment.
Qualifying Investments: We will invest in an investee company which we reasonably believe to be EIS qualifying at the time of investment, but please note there is no guarantee that the investee company will remain EIS qualifying at all times thereafter, or that EIS tax reliefs will be available to investors. A failure of the investee company to meet the qualifying requirements of EIS legislation could result in the withdrawal of EIS tax benefits that have already been obtained, and the requirement to repay any rebated tax. There is no guarantee as to the timing of the availability of the EIS3 certificates that are needed in order to claim EIS tax benefits. Your obtaining the EIS tax benefits is subject to you making the appropriate filings with HMRC. Please note that you will need to hold the investment for at least three years to retain the benefit from the EIS tax reliefs.
Business Relief: The nature of the activities undertaken by the investee company in which we invest in is such that the company will also qualify for Business Relief. Unlike the EIS tax benefits, it is not possible to obtain any assurance from HMRC that the investee company will qualify for this relief; it is assessed by HMRC on a case by case basis at time of death of the investor, as part of the probate process. The proportion of the investment that is deemed to qualify at that time, assuming it has been held for at least two years and is still held at time of death, can be passed to beneficiaries, free of inheritance tax. The two year time frame commences when HMRC deem the investment has become Business Relief qualifying, which may be later than the investment date.
Future Performance: Past performance does not imply that future trends will follow the same or a similar pattern. Forecasts made in this brochure may not be achieved. There is a risk that you will not get back the full amount invested.
Liquidity: Blackfinch EIS Portfolios is a long term investment. Investments made by Blackfinch EIS Portfolios is in an unquoted company and therefore are not readily realisable, unlike companies listed on the London Stock Exchange. You should be prepared to leave your money invested for at least three years from the commencement of trade. We will not be able to arrange liquidity in the underlying investments during the three year period.
Diversification: Blackfinch EIS Portfolios will invest in one sector. Therefore, there will be limited diversification, which could increase the risk for investors.
Conflicts of Interest: Blackfinch EIS Portfolios may be acquired by, or receive loans from, other companies managed by Blackfinch Investments Limited. All loans and transactions will be on an arm’s length basis and will be ratified by the non-executive directors of the Blackfinch EIS Portfolios investee company.
Copyright and Ownership
This website and its contents are copyright of Blackfinch Investments Limited – Blackfinch Investments Limited. All rights reserved.
Any redistribution or reproduction of part or all of the contents in any form is prohibited other than the following:
— you may print or download to a local hard disk extracts for your personal and non-commercial use only
— you may copy the content to individual third parties for their personal use, but only if you acknowledge the website as the source of the material
You may not, except with our express written permission, distribute or commercially exploit the content. Nor may you transmit it or store it in any other website or other form of electronic retrieval system.
Accuracy and update of Information
This website is subject to regular update and revision. While we attempt to ensure the correctness and timeliness of all material posted on the website at the time of publication, we take no responsibility for errors or omissions which are the result of technical causes, or otherwise. We maintain the right to delete or modify, in part or in full, any information on this website without any prior notice.
The views expressed herein do not constitute investment or any other advice and are subject to change. They do not necessarily reflect the views of Blackfinch Investments Limited or any part thereof and no assurances are made as to their accuracy.