TIME:Advance

TIME does not accept direct investment into its IHT discretionary investment services. If you wish to invest in one of our services you will need to take advice from an authorised financial adviser before any investment may be accepted. The information regarding Inheritance Tax contained within this section of our site is provided for financial advisers only. Please note that if you are an investor and wish to invest in one of our Inheritance Tax services you will need to take advice from an authorised financial adviser.

Why choose TIME:Advance?

Target return of 3% – 4.5% per annum
Highest score of 89/100 by Martin Churchill’s Tax Efficient Review
Independent Advisory Committee formed of six industry experts
Three independent Non-Executive Directors
Team of over 30 Business Development Managers based nationwide to support financial advisers and their clients
Winner at the 2019/20 Investment Week’s Tax Efficiency Awards and Intelligent Partnership’s Growth Investor Awards 2015, 2018 and 2021

Key risks

Investment performance
Target returns are not guaranteed. Past performance is not an accurate guide to future performance.

Tax treatment
Tax rules can change. TIME:Advance’s target return is based on current tax rates and practice and we can’t guarantee that these laws won’t change in the future. Any change in the laws, regulations, rates and practice could impact your post-tax return.

Advice
TIME Investments does not provide tax or investment advice and you should seek professional advice before investing.

Tax relief
Whilst TIME:Advance will invest in businesses which it reasonably believes to qualify for BR, there is no guarantee that your estate will obtain 100% BR on your subscription to TIME:Advance.

Liquidity
The underlying businesses are unquoted and therefore harder to sell than quoted investments. In certain circumstances, those looking to sell their holdings may be required to wait until sufficient cash is available from new subscriptions or a sale of assets for a withdrawal to occur, particularly if a large number of simultaneous withdrawal requests are received. Such underlying illiquidity may also affect intended withdrawals.

Suitability
It is an Adviser’s responsibility to advise an Investor on the initial and continued suitability of TIME:Advance. It is our responsibility that our portfolio management services to the Investor are, and remain, suitable. In common with all investments the suitability of any investment held through TIME:Advance may change, including if an Investor’s personal circumstances change.

For full details of the risks associated with TIME:Advance please read the brochure and application pack.

Where does TIME:Advance invest?

The TIME:Advance service invests in asset-backed trading businesses, which in turn qualify for BR. The TIME:Advance service targets a return of 3% – 4.5% per annum, on the net amount invested after fees and costs.

The investment portfolio for the TIME:Advance service currently includes:

Solar energy
Wind energy
Hydro energy
Property lending
Operational real estate finance
Self-storage
Commercial forestry

Our experienced in-house team of 30 investment managers carries out origination, structuring, credit analysis and asset management across these BR qualifying trades.

Independent oversight is provided by an Advisory Committee of six and three Non-Executive Directors, who oversee the investments within TIME:Advance. The Non-Executive Directors and members of the Advisory Committee are selected specifically for their strong knowledge of and track record in sectors in which we are likely to participate, and are fully independent of TIME. Further details, including information on members of the Advisory Committee are available in the brochure for TIME:Advance.

Industry recognition

TIME has been named Best BR Investment Manager three times at Intelligent Partnership’s Growth Investor Awards in 2015, 2018 and most recently in 2021. These awards recognise providers specialising in BR qualifying investments who can demonstrate innovation in product development and their impact on SME growth.

TIME:Advance has been named Best IHT Portfolio Service twice at Investment Week’s Tax Efficiency Awards in 2017/18 and 2019/20. These awards acknowledge IHT portfolio service providers who deliver both an excellent service and promote a greater understanding of the sector.

Calculate your client’s potential IHT liability

Try our simple to use IHT Calculator to work out your client’s potential IHT liability.

Visit www.IHTcalculator.com

Find out more

We recognise our solutions are not appropriate for all circumstances and it is important investors receive the right advice, which is why we ask clients to seek independent financial advice before choosing to invest.

If you would like to find out more about TIME:Advance please speak to your local Business Development Manager or contact us.

Potential investors

If you are an investor who is interested in our investment opportunities and you do not already have a financial adviser, you may wish to visit the independent comparison site unbiased.co.uk to find a professional adviser in your local area.

Important information

The value of an investment in this service can fall as well as rise and investors might not get back the amount they originally put in. The availability and extent of tax benefits depends on an investor’s personal circumstances and is subject to change. The availability of tax reliefs also depends on the investee companies maintaining their qualifying status. Neither past performance nor 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 London Stock Exchange Official List. The information on our website is not intended to constitute investment, tax or legal advice. You must seek independent advice before investing in our services.