Octopus IHT saving scheme
Discussion
Thanks to everyone who has replied. All comments are very helpful.
The upside is early access to IHT shelter - my father is 86 and my mother is 81.
Downside is costs of entry and management. Target performance at 3% pa is only modest. The provider seems to take big fees and management charges to share in the IHT benefits which can be considerable.
On the issue of risk, they are not looking at the AIM investment. The fund has been going in excess of 6 years and has always delivered 3% pa to investors. The risk appears to be moderate.
It seems that Octopus are a recognised provider in the market.
The upside is early access to IHT shelter - my father is 86 and my mother is 81.
Downside is costs of entry and management. Target performance at 3% pa is only modest. The provider seems to take big fees and management charges to share in the IHT benefits which can be considerable.
On the issue of risk, they are not looking at the AIM investment. The fund has been going in excess of 6 years and has always delivered 3% pa to investors. The risk appears to be moderate.
It seems that Octopus are a recognised provider in the market.
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