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Sustainable Future AIM IHT Portfolio Service

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At a Glance

Availability: Only through the investor's Financial Adviser

Platform investment only

Platform launched: 2022

Range of holdings: 35-40

Annual Management Charge: 1% (VAT Exempt) 

Minimum investment: £20,000

Tax wrapper: ISA, GIA, SIPP

As social and environmental challenges continue to shape our world, investors are increasingly seeking opportunities to back companies that drive meaningful, positive change.

By investing into a range of Business Relief qualifying AlM companies making positive social and environmental changes, your clients are expected to achieve Business Relief from Inheritance Tax, while leaving a wider lasting legacy for future generations. It offers your clients flexibility and the potential for future investment growth.

Key benefits for your clients

A lasting legacy

They can have peace of mind that their loved ones will inherit more of their wealth, whilst leaving an enduring legacy for future generations.

Platform benefits 

As a platform only investment, clients enjoy cost and admin efficiency savings, with no investment delay. Their portfolio is fully transparent and they can hold both their AIM and non-AIM investments in one place.

Speed of Relief

Business Relief is expected having invested in the AIM portfolio for only two years.

Flexibility

Offers IHT planning solutions for different client scenarios, including the ability to hold AIM investment inside their ISA.

Capital Growth 

Clients have the potential for long term growth in the value of their portfolio.

Make a Positive Impact

By investing in sustainable companies, your client will help to further social and environmental causes. 

Charges

Our charges are simple and transparent, with no initial charge, withdrawal charges, performance fees or exit fees.

Our fee:

1% (VAT exempt)

Platform charges

Specific charges apply based on the chosen platform

Sustainable Future AIM Literature

To find out more about our Sustainable Future AIM portfolio, please take a look at our dedicated support material.

Latest Factsheet >
Interactive Factsheets >
Fair Value Assessment >
Target Market Statement >

Our four sustainable investment themes

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Environment

Help create a safer cleaner environment; reduce pollution, reduce resource depletion and improve biodiversity.

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Efficiency

Companies that do more with less - reducing the use of resources such as energy, materials, human resources and time.
A grey outline of a heart with a green electrocardiogram (ECG) line running through it, symbolising heart health or cardiology.

Health

Showing dedication to improving physical and mental welfare, these companies are developing and improving access to medicines, medical devices and care services.
Illustration of a battery icon with three green bars inside, indicating a medium level of charge. The battery outline is grey, and the background is white.

New Energy

We select companies that are helping the world become carbon neutral through the production, distribution and use of renewable energy.
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Our Sustainable Future AIM IHT Investment Process

1

Initial screening:

In the early stages we look at eligible companies that contribute to at least one of our four sustainable themes and verify their Business Relief qualification.

2

Risk control

We carefully assess downside risk potential, applying risk management at portfolio construction and company selection stages.

3

Portfolio Construction

We aim to hold around 40 stocks with 1% in cash. The portfolio has a wide range of company sizes with a mix of smaller ‘acorn’ companies and a core of developed companies.

4

Company Selection

We select companies that have proven sustainability credentials, putting developed profitable companies at the core, alongside smaller “acorn” companies that have the potential to make meaningful impact.

5

Ongoing Scrutiny 

We continuously monitor the portfolio; assessing company plans, speaking to senior management and using a third-party tax adviser for annual assessments of Business Relief qualification.

Who may our sustainable futures aim IHT service be suitable for?

Our Sustainable Future AIM IHT Portfolio isn’t for every investor, but it could be a good choice for clients who:

  • Have a current, or potential, inheritance tax liability.

  • Are in later life with no, or inadequate, protection from IHT.

  • Are facing the prospect of reduced life expectancy.

  • Are reluctant to gift assets and lose access to their wealth.

  • Have built up large ISA holdings over the years.

  • May wish to begin IHT planning by paying regular annual ISA subscriptions.

  • Are acting as a Power of Attorney and wish to start IHT planning without requiring Court of Protection approval.

  • Have sold their business in the last three years and where the proceeds of the sale give rise to an IHT liability.

  • Wish to leave an enduring lasting legacy through investing in companies contributing to positive social and environmental change.

Our Investment Team

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Matt Strachan

Chief Investment Officer
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Ciaran Garvey

Investment Manager
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Catherine Jackson

Equity Analyst
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Darina Nedeva

Investment Administrator

What platforms do you use?

Our Sustainable Future AIM IHT portfolio is held on a number of leading third-party platforms.

Tax Wrapper Availability: ISA (including ISA Transfer), GIA, SIPP

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Companies within the portfoltio

Your clients’ investment will help to fund the growth of a range of small, innovative companies who are developing solutions to some of the world’s most pressing social and environmental challenges. Below are some of the companies held in the portfolio.
Logo featuring a stylised human figure in grey with an elliptical swoosh above the blue lowercase text alumasc on a light background.
Recognised with the London Stock Exchange’s Green Economy Mark, UK manufacturer and supplier of sustainable building products Alumasc makes approximately 30% of its products using recycled materials.
Logo with the word Diaceutics in large dark blue font, with three dots above the letter i. Below, the slogan reads Better Testing, Better Treatment in a lighter blue font.
With an established global network of more than 2,000 diagnostic and testing laboratories, Diaceutics created the world’s first diagnostic commercialisation platform for the launch of precision medicine - speeding up the testing process for new treatments.
The image shows the James Halstead plc logo with the company name written in elegant dark blue script above a thin gold line, and JAMES HALSTEAD plc in uppercase blue letters below the line.
A manufacturer and distributor of commercial floor coverings, you can find James Halstead products, including their 100% recyclable Polyflor vinyl, all around the world.
Logo for Strix Technology featuring a stylised owl with outstretched wings inside a rectangular frame, next to the word Strix in modern, bold font and Technology below in smaller letters.
Strix is the global leader in the design, manufacture and supply of kettle safety controls, as well as other water appliances and filtration products. Each year, their kettle control products save the equivalent of 1 million cars’ worth of CO2 emissions.
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Risks of using this service

Potential for capital loss

AIM shares tend to be more volatile, and can be more difficult to sell than those of larger companies.

Business Relief is not guaranteed

AIM-listed companies can become non-qualifying for Business Relief - although, since its inception, this has not happened to any in our portfolio.

Tax rules may change

Current legislation and HMRC practice are subject to change and are dependent on an individual’s personal circumstances.

AIM shares should not be a core investment

AIM shares are more suited to form a smaller proportion of an investor’s overall portfolio given that they represent a higher degree of risk.

How we control risk

Risk control is central to our investment process and philosophy, so we carefully assess the risk potential at both portfolio construction and company selection levels. Additionally, we use the services of a third-party tax adviser who annually assess all AIM companies held in our portfolio for Business Relief qualification.

Help your clients leave an enduring lasting legacy

Our Sustainable AIM IHT portfolio service helps investors leave a lasting legacy for their loved ones and a better world for future generations.

Speak with our Business Development Manager to find out more and gain access:

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Nick Sheppard

Head of Business Development

01382 755 800

07712 676184

nsheppard@drumnor.co.uk