Unlocking Tax Efficiency with Government-Backed Schemes
Investing is more than picking winners. It’s about keeping more of your returns in your pocket. With the right approach to UK investment tax planning, you can slash your tax bill and boost your net gains. SEIS and EIS aren’t just acronyms – they’re secret weapons for savvy investors.
In this guide, we’ll walk through five practical ways to lower your investment taxes using SEIS (Seed Enterprise Investment Scheme) and EIS (Enterprise Investment Scheme). You’ll learn how each scheme works, the reliefs available, and how Oriel IPO’s commission-free platform makes it easy to spot and invest in qualifying startups. Ready to make the most of your investments? Revolutionizing Investment Opportunities in the UK with UK investment tax planning
1. Leverage the Seed Enterprise Investment Scheme (SEIS)
SEIS is tailor-made for risk-takers who back very early-stage startups. Here’s why it’s so powerful:
- 50% Income Tax Relief
Invest up to £100,000 per tax year, and get half of it knocked off your tax bill. - Capital Gains Tax (CGT) Exemption
Hold shares for at least three years and you pay zero CGT on any gains. - Loss Relief
If your startup sinks, you can offset losses against your income tax.
By tapping into SEIS deals on Oriel IPO, you see a curated list of vetted startups. No more sifting through endless pitches. You know each business ticks the SEIS eligibility boxes—and you can invest commission-free. That’s your tax relief and capital going where it counts: growth.
2. Maximise Benefits from the Enterprise Investment Scheme (EIS)
EIS suits investors with a slightly higher risk appetite and bigger pockets. Key perks include:
- 30% Income Tax Relief
Put up to £1 million into qualifying companies and slice almost a third off your tax liability. - CGT Exemption and Deferral
Gains on EIS shares are CGT-free after three years. Plus, you can defer existing capital gains by reinvesting into EIS. - Inheritance Tax (IHT) Relief
After two years, EIS shares qualify for 100% relief from IHT if held until death.
With Oriel IPO’s platform, you get clear deal-by-deal breakdowns: relief levels, minimum holding periods, and exit options. And because there’s no commission, you don’t dilute your relief with hidden fees. It’s all about transparency.
3. Combine SEIS/EIS Reliefs with CGT Deferral
Got a big gain from selling shares or property? You don’t have to pay CGT straight away. Here’s the trick:
- Realise a capital gain.
- Invest that gain into EIS shares within 12 months.
- Defer the CGT bill until you dispose of those new shares.
This approach buys you breathing space. You keep your funds compounding rather than handing them over to HMRC. Oriel IPO’s educational guides walk you through the timelines and paperwork, plus reminders so you don’t miss the window.
By mixing SEIS and EIS wisely, you can cushion potential losses with SEIS relief while deferring tax on your winning investments through EIS. It’s like a tailored safety net.
Kickstart your UK investment tax planning with commission-free investments
4. Unlock Inheritance Tax and Trust Strategies
Passing wealth on can trigger hefty Inheritance Tax (IHT). Here’s how SEIS/EIS help:
- Business Property Relief (BPR)
After two years, shares in qualifying companies are 100% IHT-free. - Spousal Transfers
Move shares between spouses tax-free. If one partner sits in a lower tax bracket, you can reduce overall liability. - Trust Vehicles
Place SEIS/EIS shares into a trust for children or grandchildren. The shares still qualify for relief after two years.
Oriel IPO’s team offers webinars on estate planning with SEIS/EIS assets. You’ll get step-by-step examples—no legalese. And because Oriel IPO focuses on curated, compliant deals, you avoid the guesswork of whether a business really qualifies.
5. Balance Your Portfolio and Tap Educational Tools
Even the best tax reliefs won’t save a poorly diversified portfolio. Mix:
- Tax-wrappers: ISAs and pensions for general allocations.
- Growth bets: Smaller stakes via SEIS/EIS.
- Steady plays: Bonds or low-risk funds outside relief schemes.
Oriel IPO doesn’t just list deals. It delivers insights. Think concise PDF guides, live Q&As with tax experts, and video explainers on claim processes. Perfect if you’re new to SEIS/EIS. You learn while you invest.
Tip: Schedule an alert each tax year for your SEIS/EIS subscriptions. That way, you never miss the cut-off for relief claims.
Testimonials
“Joining Oriel IPO was a game-changer for me. The clear breakdown of SEIS and EIS deals saved me hours of research, and I saw my income tax bill drop dramatically.”
– Amanda L., serial angel investor
“I combined SEIS relief with CGT deferral on a property sale. Oriel IPO’s platform made the timing foolproof. I love their no-commission approach—what you see is what you get.”
– David P., chartered accountant
“As a family office manager, I needed reliable IHT planning. The trust and spousal transfer guides from Oriel IPO gave me the confidence to move forward. My clients are thrilled.”
– Sarah W., wealth advisor
Reducing your tax bill doesn’t need to be a headache. SEIS and EIS schemes offer tangible relief for UK investors—if you know how to use them. From income tax cuts to CGT deferral and IHT planning, these five strategies cover the bases. And with Oriel IPO’s commission-free, curated marketplace plus educational resources, you get clarity and confidence with every investment.
