Stellar Income Inheritance Tax Service

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  • £25,000.00
    Min. investment
  • Generalist
    Sector
  • IHT
    Investment type

Stellar Income is a discretionary managed portfolio that commits your capital to a range of assetbacked 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 yield. This yield in turn creates a regular and reliable income stream that is distributed to you twice a year.

Application Process Update

In light of events happening around the world, managers have been revising their application acceptance procedures in close co-ordination with Custodians to ensure applications and funds are processed efficiently. Applications no longer need to be sent in the post to process wet signatures. Once you've submitted your application through CoInvestor, a member of staff will contact you directly with the managers simple instructions on who to send your scanned application to.

Highlights

  • You continue to own and have access to your capital.
  • An estate planning service offering relief from inheritance tax after two years.
  • Diversified range of tangible assets that provide both security and generate a regular income.
  • Our services are diversified across a wide range of asset classes to protect against market risk.
  • Transparent fees and a clear investment strategy.
  • Thoroughly researched investments, compliant with all current legislation.
  • The portfolio service is managed with the objective of providing capital preservation and income.
  • Stellar Income has a net target income of 4.5% per annum and distributes twice a year.

Market approach

Stellar Income is a discretionary managed portfolio with capital diversified across three trading activities:

Owning and managing branded hotels

Construction finance (secured lending)

Renewable energy (solar and wind installations)

These trades have been specifically chosen because of their high level of asset security and ability to generate a regular and reliable income. When you invest in Stellar Income we set up a discretionary portfolio in your name, which then invests in a range of income producing trading businesses (IHT Companies). You are the beneficial owner of the shares in the IHT Companies, which are held under a nominee, so that you keep control of your capital.

Investment strategy

Stellar Income is designed to help you pass on capital to your children, whilst providing a regular income for you to enjoy during your lifetime. The trading activities are carefully selected for their ability to provide capital security and generate a reliable income stream. You are able to elect to have the distributions paid to you or reinvested in further shares. The target income is 4.5% per annum (net of fees) and will be paid twice a year in April and October.

We choose trades that have lower risk characteristics and are underpinned with a physical asset, for example investors in our hotels will own both the land and physical hotel building. Where capital is used for short term lending purposes, such as construction finance, it is secured against assets. We believe that these types of trades are low risk sectors, which provide stability of returns and income for you.

All of the trading activities offered in Stellar Income are carefully selected to ensure that they:

qualify for Business Relief and therefore full inheritance tax relief after two years;

are asset-backed to offer a high level of security;

generate a natural yield to meet the net target return of 4.5% p.a; and

offer the prospect of capital growth.

Key team

Jonathan Gain - Chief Executive

Jonathan has been involved in financial services since 1993 when he graduated from Bournemouth University with a BA (Hons) in Accountancy. He joined the then newly formed Close Brothers Investment Limited in 1993 and was appointed Finance Director just five years later in 1998. In his role he was responsible for overseeing its property investment funds and numerous tax planning products, before becoming Managing Director in 2005.


When he left to set up Stellar, it had approximately £1 billion of funds under management. Drawing on his wide-ranging experience, Jonathan established Stellar Asset Management in 2007 along with the former founder of Close Brothers Investment Limited and two other colleagues. Jonathan remains the majority shareholder.


Outside of work he enjoys organising and participating in charity events, particularly sponsored cycle rides. He is a keen Manchester United supporter, as you would expect from someone who lives in the south! He also treats himself to a few days off work during the year to watch live cricket matches so he can follow the ups and downs of England’s test cricket team.

Matthew Steiner - Business Development Director

Matthew has worked in the financial services industry since he graduated from Kingston University in 1997.


He trained as a financial adviser in London and completed his financial planning certificate (FPC) to level III. He joined the property division of Close Brothers Investment Limited in January 2000, and by the end of his tenure was the senior Business Development Manager for its range of tax efficient products and property investment funds.


After a short sabbatical in Nepal, as a volunteer teacher seconded to an orphanage in Pokhara, he worked on a consultancy basis with Tri-investments and Downing Corporate Finance before joining Stellar as a director and shareholder in 2012.


Matthew has been instrumental in both developing and simplifying Stellar’s estate planning proposition and communicating this to the advisory community.

Daryl Hine - Chief Operating Officer

With over 30 years business experience and a proven track record in financial services, Daryl has provided both strategic insight and operational leadership across a range of businesses.


He has experience with multinational PLCs and start ups but has a passion for SME’s – particularly the people side of the team. He enjoys getting to the essence of any problem, whether it’s team building, lead generation or product development related, and working with the right person to come up with the right solution.


His qualifications include holding a Diploma in Neuro Linguistic Programming (NLP) as well as an MBA in Business Administration and Management from Lancaster University – one of the UK’s top 3 business schools.


Outside work and education, Daryl is a keen globetrotting traveller and loves all things tech, especially when keeping an eye out for the next big market disrupter.

Products and services

Stellar Income has the following key features:

Natural Income: Income is generated by naturally yielding assets such as Hotels

Tax-efficient: IHT relief after two years

Diversified: Capital spread across three trading activities

Control: Investments made in your name so you keep full control

Transparent: Simple investment strategy and fee structure

Target return of 4.5% annum (net of all fees)

Fee summary

A performance fee is also applicable to this service. The performance fee hurdle is 4.5% per annum with a performance fee of 20% of the excess over hurdle. For standard fees please see below.

We do not charge an exit fee. Adviser charging can be facilitated from an investment in Stellar Income and the relevant pages of the Application Form should be completed.

Documents

Only registered investors can access the documents. Receive access by registering for an account.

Invest now

To digitally invest in this opportunity, review the documentation and start your application below.


The content above has been provided by Stellar Asset Management Limited who are authorised and regulated by the Financial Conduct Authority under firm registration number 474710.