A SIMPLE START TO INVESTING
Tax-efficient investing, without the jargon.
You do not need to be on experienced investor to start learning.
Oriel IPO helps you understand the basics, explore early-stage businesses and make your own informed decisions.
Investing in early-stage companies involves risk. You could lose some or all of your money
What does investing actually mean?
You put money into a business in return for shares — a small piece of ownership. If the company grows, your shares may become more valuable. If it struggles or fails, you could lose your investment.
1. Choose a business
Learn what it does, who runs it and how it plans to grow.
2. Invest your money
The company uses it to develop and grow.
3. Receive shares
Your return depends on what happens to the business.
So, what are SEIS and EIS?
SEIS and ElS are UK government schemes created to encourage people to invest in eligible early-stage businesses. They offer tax relief that con help reduce some of the financial risk – but they do not make an investment safe. Tax relief depends on your personal circumstances, the company qualifying and the rules being followed.
SEIS
For very young. smaller companies
Up to 50% Income Tax relief
EIS
For growing, more established companies
Up to 30% Income Tax relief
THE MAIN TAX BENEFITS
How SEIS and EIS can help reduce some of the financial risk
The reliefs cannot prevent a campany from failing or guarantee a return. They may, however, reduce the financial impact for eligible investors.
INCOME TAX RELIEF
Eligible investors may claim 50% of the amount invested through SEIS or 30% through EIS against their UK Income Tax bill.
CAPITAL GAINS TAX
Growth on qualifying SEIS or EIS shares may be free from Capital Gains Tax when the shares are held for at least three years and the scheme conditions are met. Other reinvestment or deferral reliefs may also be available.
LOSS RELIEF
If the company fails, the remaining loss after Income Tax relief may be set against income or capital goins, helping to reduce the investor’s overall loss.
POTENTIAL INHERITANCE TAX RELIEF
Qualifying shares in an unlisted trading company may be eligible for Business Relief after they have been owned for at least 2 years.Tax treatment depends on personal circumstances, company eligibility and the rules being met. Tax rules can change.
SEE WHAT THE NUMBERS COULD MEAN
Compare the potential return and capital at risk
Use the Oriel IPO ROl Colculator to compare a standard investment with SEIS and ElS, including the potential effect of Income Tax relief and loss relief.
The calculator provides on illustration only. It is not a forecast or finoncial advice.
What are shares?
Shares are your share of the company: You own (mainly) equally sized ordinary shares – not lending the company money, Money invested in the business grow or fails, but there is no guarantee.
OWNERSHIP | LONG-TERM | HIGHER RISK
What does Advance Assurance mean?
Advance Assurance means HMRC has checked information supplied by a company and indicated that its planned investment is likely to meet certain SEIS or EIS tax relief rules.
You should still carry out your own due diligence before Investing.
WHAT IT CAN DO
Gives you confidence that the opportunity has been thoroughly investigated by HMRC and they believe it meets the criteria and the tax benefits will be applicable to you.
WHAT IT CANNOT DO
It does not mean HMRC recommends the company or guarantees your investment or tax relief. You must also meet the investor eligibility rules.
Your investment journey starts here
1
Become a shareholder
Your shares give you a stake in the business you’ve chosen to back.
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2
Follow the company’s progress
Stay informed through updates on its achievements, challenges and plans.
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3
Claim your eligible tax relief
Once you receive your SEIS or EIS tax certificate, you can apply for the relief you qualify for.
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4
Give your investment time to grow
You normally need to hold your shares for at least three years to retain the main tax reliefs.
Join now and make your Tax bill Shape your Future!
Discover ambitious UK businesses and explore the potential tax benefits of SEIS and EIS. Connect with founders, ask questions and find opportunities that interest you.