We recognise our solutions aren’t appropriate for all circumstances and it’s important clients receive the right advice, that’s why our products are only available through financial advisers.

If you are an investor interested in our solutions and you don’t already have a financial adviser, you may wish to visit unbiased.co.uk to find a professional adviser in your local area.


Income Funds

Property investment is an area we have a great deal of experience in. Our original property fund, TIME:Freehold was dubbed “Best fund in the universe” by Trustnet and boasts an impressive 23 year unbroken record of delivering consistent inflation beating returns. Building on this expertise, we launched TIME:Commercial Freehold in 2014, which invests in long income property, opening up a new investment sector for individual investors.

TIME:Commercial Freehold

Inheritance Tax

Upon death, 40% of your assets above the Inheritance Tax nil rate band, which is currently set at £325,000, is payable to HM Revenue & Customs. Having already been taxed on your earnings and your pension, the prospect of giving up a large share of your hard earned assets on death is considered by many to be unfair.

There are a number of ways to mitigate your exposure to IHT, such as using trusts and gifts. However, these can take many years to be fully effective, can incur upfront tax charges and may require you to give up control and use of your assets. Given that you may need to access your savings in later years, for example to supplement your pension, this is less than ideal.

TIME offers tailored solutions for both individuals and business owners, looking for a steady income stream and a way to address their IHT concerns:

TIME:Advance – our IHT solution for personal investment
TIME:CTC – our IHT solution for corporate investment

TIME also offers a unique ‘smart passive’ approach for investing in companies listed on AIM. We believe our service creates a robust portfolio that will allow investors the opportunity for significant growth potential and mitigation of their IHT liability.

TIME:AIM – the smart passive AIM BPR service

Enterprise Investment Scheme

In 1993, Michael Portillo, Chief Secretary to the Treasury when the EIS was launched, said:

“The purpose of Enterprise Investment Schemes is to recognise that unquoted trading companies can often face considerable difficulties in realising relatively small amounts of share capital. The new scheme is intended to provide a well-targeted means for some of those problems to be overcome.”

The ‘considerable difficulties’ in raising small amounts of capital are still a pertinent feature of the business landscape today and the EIS continues to thrive in helping industries that are struggling to find private investment.

Recent changes in EIS legislation announced in the Summer Budget 2015 have re-emphasised the original purpose of encouraging investment in smaller UK companies. Most recently, subsidised renewable energy generation such as hydroelectric or anaerobic schemes were removed from eligibility for EIS tax reliefs.

Providing an EIS investment is held for at least three years, investors can benefit from:

  • 30% Income Tax relief, up to £1 million per tax year
  • Ability to carry back the Income Tax relief to previous tax year
  • Tax free growth
  • Inheritance Tax relief
  • Capital Gains Tax deferral for the life of the investment


Income Funds
Inheritance Tax
Enterprise Investment Scheme

Terms and Conditions

TIME does not accept direct investment. If you wish to invest in one of our solutions you will need to take advice from an authorised financial adviser. Nothing within this website is intended to constitute investment, tax or legal advice. Our solutions place your capital at risk and you may not get back the full amount invested. Tax treatment may be subject to change and depends on the individual circumstances of each investor. The availability of tax reliefs also depends on the investee companies maintaining their qualifying status. Neither past performance or forecasts are reliable indicators of future results and should not be relied upon. Unquoted or smaller company shares are likely to have higher volatility and liquidity risks than other types of shares quoted on the Main Market of the London Stock Exchange.