An investor can fully/partially redeem their investment by submitting a payment request form. Once a completed form is received, the exit process will be undertaken, and we aim to pay out within one to six months depending upon available liquidity.
As the redemption is carried out through a sale of the shares, any resulting gain may be liable to capital gains tax. Where the shares were acquired on or after 17 March 2016 and have been held for at least three years, the disposal is expected to qualify for Investors’ Relief. In such cases, the capital gains tax rate is 18% from 6 April 2026, subject to a lifetime limit of £1,000,000.
An investment in the Ingenious Estate Planning service can therefore be a flexible source of income to draw down on any growth that is achieved, or to access capital if circumstances change. Through careful planning, an investor could utilise their annual exempt amount to ensure this is tax efficient.
