ESP Income is a discretionary managed portfolio that commits capital to a range of asset-backed trading activities to qualify for full inheritance tax relief after two years.

All of the trading activities are carefully selected for both their low-risk characteristics and ability to generate a natural yield. This yield, in turn, creates a regular and reliable income stream that is distributed twice a year.

Key Features

Tax Efficiency

Income

Diversified

Transparent

Control

Legacy planning

A reliable income stream

ESP Income is a discretionary managed portfolio investing across three trading activities.

These trades have been chosen because of their high level of asset security and ability to generate a regular and reliable income stream.

The portfolio has met its annual income target since launch and investors can elect to re-invest the income distributions and increase their holding.

ESP Income should also generate modest capital growth from its assets.

Why choose ESP Income?

Simple

ESP Income is an estate planning service offering relief from inheritance tax after two years.

Diversified

Your clients will invest in a diversified range of tangible assets that provide both security and generate a regular income.

Capital preservation & income

The portfolio service is managed with the objective of providing capital preservation and income. ESP Income has a net target income of 4.5% per annum and distributes twice a year.

Protection

Your clients can protect their legacy from inheritance tax whilst enjoying a regular and reliable income stream during their lifetime.

Insurable

Independent 2-year term policy to cover the Business Relief qualifying period through AIG.

Independent inheritance tax liability insurance 2-year cover

For clients using Business Relief, AIG has recently launched a term assurance policy which is designed to cover any liability to inheritance tax in the first two years of their planning.

This independent term assurance policy allows for single life and joint life second death and can provide cover to complement our Estate Planning Services, as well as other Inheritance Tax liabilities.

To find out more about this policy, please visit AIG’s website.

Advisers will need to register with AIG before recommending to a client.

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Adviser Toolkit

To learn more about ESP Income and different planning ideas, please download our case studies.

Useful Resources

We have a range of useful information to support your advice process:

  • Guides, case studies and info-graphics have been designed for sharing with clients to help them understand the importance of estate and succession planning.
  • Due diligence reports, independent research and suitability letters are available to assist you.

To request further information simply fill out the Resource request form.

ESP Income

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