Our most comprehensive later life service.


Designed to deliver Inheritance Tax (IHT) cover from day one, achieve steady growth and provide a care planning service, all within one cost-effective solution.


Ingenious seeks to deliver 7 key benefits to IEP investors

Carefully managed
returns


Preserving and increasing wealth whilst carefully managing risk

IHT cover from day one
of share allotment


Years one and two: once shares are allotted, complimentary insurance cover pays for any IHT liabilities on the initial value of the subscription

Year three onwards: investments should qualify for Business Relief

Low volatility


Seeking steady growth with low volatility compared to Business Relief-qualifying AIM Index, which can be more sensitive to market sentiment

Flexibility to adapt


Retain access and control of your investment in case circumstances change (subject to liquidity)

Not just
an investment


Plan for complex health or care needs with a care advisory service

Competitively priced


IEP Apex offers a comprehensive solution at what we believe to be some of the lowest fees
in the market

Supportive of ESG1
objectives


We believe investments should be undertaken in a sustainable and responsible way, underlined by robust corporate governance

1Environmental, Social and Governance

Inheritance tax Cover from day one: how it works

Year one and two:
Any IHT liability arising on the investment is expected to be met by the insurance cover, at no extra cost to the Investor (subject to maximum investment total of £500,000)

Year three onwards:
Your investment should qualify for Business Relief

1. Application

Investors must confirm that they are between 18 and 85 years old, resident in the UK,
registered with a UK doctor and have completed our simple Health Declaration – no medical examination required


2. Day one of the investment

Insurance cover will begin once shares are allotted, providing a benefit of up to 40% of the value of the initial investment amount,
should the investor die within the first two years of holding their investment


3. After two years of holding the investment

The insurance policy ends and shares should qualify for Business Relief, so if the investor were to die,
they can be transferred to beneficiaries free of IHT

No additional charge

Insurance cover is provided at no additional cost to investors

Immediate

Insurance takes effect as soon as shares are allotted. We aim for this to be within 21 days of application

Simple

There is no medical examination to undergo, just a simple Health Declaration

IEP Apex is available for single and joint life investors

INVESTMENT STRATEGY

Real estate

Telecommunications, media and technology (TMT)

The primary objective of IEP Apex is to invest in one or more portfolio companies that undertake a trading activity, currently focusing
on the real estate and TMT sectors. The weighting to each sector can change over time, meaning all of the investment
may be in one single sector, or across both.

Trading activity can include


Lending secured against specific assets, for instance a property development or estimated future receivables from the exploitation of assets, such as sales of a film or television series


Lending secured against company cash flows, for instance cash flows arising from part or all of a TMT company’s wider business

Download product literature

More information about the potential benefits and risks can be found in the Brochure, Investor Agreement and Application Form.

There is no guarantee that shares issued to you will be wholly or partly Business Relief or Investors’ Relief qualifying at the date of a future transfer of your shares. Tax rules could change in the future and the value of any tax relief will depend on your personal circumstances.

We require investors to take financial advice before completing an application for Ingenious Estate Planning. Our investments are considered high risk and investment decisions regarding them must be made with the guidance of a regulated adviser.  Investors could lose some or all of their investment. The service invests in unlisted securities which are more illiquid than listed securities. As such, it may take you longer to receive your money if you choose to exit the investment.

 

Important information


Past performance is not a guarantee of future returns. As with any investment, there are inherent risks involved in investing in any of our products and money invested may both increase or decrease in value and your capital is at risk. There is no guarantee that you will be repaid all of your invested capital.

No Ingenious Group company provides or is authorised to provide investment or tax advice.