Investment Objective

The objective of this service is to mitigate inheritance tax liabilities (above the tax-free threshold) after two years by investing in BR qualifying trades, through unquoted company shares, whilst providing competitive returns with a balance of capital preservation, through underlying trades which are asset-backed, or benefit from secure and predictable revenue streams.

Through Blackfinch’s corporate and investment strategies, we now have adopted various Environmental, Social and Governance (ESG) processes and policies which will enable us to deliver on our ESG target outcomes. As a firm commitment to this goal, Blackfinch have become a signatory to the Principles for Responsible Investment (PRI). This is a public demonstration of our pledge to responsible investment, and places Blackfinch at the heart of a global community, seeking to build a more sustainable financial system.

Blackfinch puts capital preservation and BR qualification at the heart of all its investment making decisions and will not chase return to the detriment of those two cornerstone philosophies.

Our key USP is our distinct underlying trading companies, which provide the means to mix allocations to provide flexibility in return expectations, diversification, transparency and different investor allocation models.

The four model portfolios access the same underlying businesses but have different portfolio allocations. The portfolios that target growth, Balanced Growth and Growth, have a more predominant focus on businesses that provide higher returns. The portfolios that target capital preservation, Ethical and Balanced, have a spread of allocations in businesses which focus heavily on capital protection in exchange for lower returns.

Portfolio Allocation

• Renewable energy generation - 75%
• Property development finance - 25%

Exit Strategy

Blackfinch will primarily aim to meet redemption requests by matching new subscriptions, but it may be necessary to institute a share buyback should an unusually large withdrawal take place. To date all redemptions have been matched against new subscriptions. There is circa 10% of portfolio money targeted to be held in cash to provide further liquidity for redemptions without asset disposals if required. As a majority of the holdings are furthermore held in short term asset backed and development financing, the manager has the ability to reduce the replacement deal flow should it need to use loan repayments as liquidity for redemptions.

Fund Manager/Provider

The investment world is our natural habitat. With a 25-year heritage, Blackfinch brings significant knowledge and expertise. Whatever the economic climate, we work to ensure that our products always meet our customer’s needs. We achieve this through continually adapting to change, from market shifts to new regulation. In this way, clients can take advantage of highly evolved investment solutions.

As a testament to our work, Blackfinch continues to grow, currently with over £300 million under management and in administration, entrusted to us by our customers.

Fees

Kuber Special Arrangements

Kuber investors receive a reduction of 1% on the initial fee.