At Adam we understand that maximising the potential for growth today, as well as protecting wealth for tomorrow, is something which is important to our clients.
Our AIM Listed Portfolio Service (ALPS) has been designed with both these factors in mind. The service provides the opportunity to invest in shares quoted on the Alternative Investment Market (AIM), in order to take advantage of the prospect of enhanced growth, as well as tax efficiency.
ALPS investment approach
We apply the same rigorous investment selection process that serves all of Adam investments — with companies required to meet our exacting requirements before we will choose to invest. We believe that in the medium to longer term, investment in AIM companies that meet such criteria will produce income and capital gains.
The Alternative Investment Market (AIM)
Established in 1995, AIM was originally designed as a 'seed bed' for developing companies wishing to raise funds to finance future growth. It has been a resounding success in fulfilling its initial aspiration and today continues to build on its reputation as an international and dynamic market place where companies can raise capital both efficiently and cost effectively.
AIM is an international market for smaller companies. Today it has around 3,000 member firms, ranging from smaller, younger companies to larger established firms.
Tax efficiency through AIM investment
Under current UK tax rules, investments into qualifying AIM shares should attract relief from Inheritance Tax (IHT) once the shares have been held for a minimum period of two years. This is known as Business Property Relief (BPR).
AIM shares may also attract Gift Holdover Relief for the purposes of Capital Gains Tax (CGT).
The portfolio is periodically reviewed by a leading tax advisory firm. It’s also possible to shelter part of your ALPS investment in an ISA.
Tax reliefs should not be the main reason for investment and these should not outweigh investment criteria. Tax reliefs and the rate of tax can change and HMRC may alter or remove entirely the current tax reliefs for AIM companies. This could adversely affect your position and losses may exceed tax reliefs. The value of any tax reliefs to any individual depends on the particular circumstances of that individual and it is your responsibility to take your own specialist tax advice on whether use of the service is suitable for you.
YOU ARE STRONGLY RECOMENDED TO SEEK INDEPENDENT TAX ADVICE
The value of investments and the income from them can fall as well as rise, and you may not recover the amount of your original investment.
The US presidential election is the next big event on the agenda for global investors. Though the firmly mainstream Democrat Hillary Clinton is currently a clear favourite in the polls, the potential for political uncertainty is higher than usual with the populist and controversial Republican candidate Donald Trump in the running.
AdamID – another first for not just the private banking, but the entire UK banking industry. Designed to maximise our clients’ security and protection, AdamID makes the Adam private banking experience as seamless as possible.
A common misconception is that China’s recent rise to prominence is a new phenomenon. Writing back in 1776, Adam Smith, who lends his name to Adam & Company, noted that “China has long been one of the richest, most fertile, best cultivated, most industrious and most populous countries in the world.”
