Blackfinch Adapt IHT Portfolios

Investment Objective

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

Portfolio Allocation

Capital preservation portfolio typical asset allocation

Property development lending - 30%
Energy - 40%
Asset backed lending - 30%

Growth portfolio typical asset allocation

Property development lending - 60%
Energy - 20%
Asset backed lending - 20%

Exit Strategy

The minimum amount for withdrawals is £3,000. The Blackfinch IHT Portfolio is intended as a long-term investment. Investments in qualifying companies must be held for at least two years and at the date of death 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.

Blackfinch should be able to redeem an investment within four weeks, but if it is necessary to institute a share buyback because of unusually large withdrawals then the process could take significantly longer.

Any withdrawal, whether regular, one-off or to facilitate adviser charging or commission payments, will reduce the value of the portfolio, erode future returns and such withdrawals will cease to qualify for BR.

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

Fee type	Fees charged to Investor (including VAT)	Fees charged to Investee Companies (including VAT)
Initial Fee	2.00% (1.00% for Kuber investors)	n/a
Annual Management Fee	0.60% taken after the target pa 4% or 6% has been achieved	1.80%
Performance Fee	n/a	n/a
Other Fee Information	1.00% - dealing fee (all investments and withdrawals	n/a

Kuber Special Arrangements

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

For further information please do not hesitate to contact us on:

+44 (0) 20 7952 6685
info@kuberventures.com
www.kuberventures.co.uk

Fund at a glance

Scheme Categorisation

Discretionary Portfolio Management Service

Scheme Strategy

Target Return

Capital Preservation Portfolio: 4% per annum

Growth Portfolio: 6% per annum

Investment Sector

Property and Lending

Energy

Target Diversification

3 investee companies

Nominee & Custody Arrangements

Custodian: Blackfinch Investments Limited

Nominee: Blackfinch Nominees Limited