Three Smart Tax‑Saving Moves to Secure Before the Year Ends

Tax‑Year Countdown: Grab Your EIS Spot Before the Clock Runs Out

As the tax‑year wrap‑up approaches, savvy investors still have a quick‑win window to snag Enterprise Investment Scheme (EIS) deals. Why? Because you can slash your tax bill while giving a boost to the next big thing in the UK.

Why EIS is the Grab‑and‑Go Deal for 2025

In short: tax relief, potential for big upside, and the satisfaction of supporting high‑growth startups. Yep, you can get your money working for you and for someone else’s vision.

High risk, high reward – just don’t forget that it’s cookie‑cutting if you’re chasing big pay‑offs.
Tax perks – keep more of your hard‑earned cash in your pocket.
Growth impact – help fuel the next UK tech superstar.

Deadlines You Can’t Miss

The latest reminder? Your EIS allowance must be used by the end of the tax year, with a hard cut‑off arriving roughly a week before. That’s a moving target, so clock in and act fast.

Inside Voice: Alex Davies Says it All

Alex Davies, Founder and CEO of Wealth Club, shares his take:

“Investing in EIS‑qualifying single companies can be high risk, but with the potential for significant returns as well as generous tax reliefs. It is also a crucial source of funding for high‑growth UK companies, with an opportunity for investors to share in their success.”

In plain language: If you’re feeling adventurous, jump in. It could be a wild ride, but you’ll get a chance to ride along while the company climbs.

Bottom Line

Time is ticking, but it’s still a golden window for those wired to unleash capital and creativity. Use the EIS tools in your tax kit, make your money work harder, and back the next big thing. Let’s make 2025 count!

1. Gander – turning waste into wedge

Yellow Stickers & Cash: The Gander Revolution

Imagine a bright yellow sticker splashed across a loaf of bread, a chocolate bar, or a carton of milk. At first glance it looks like a quirky marketing gimmick—but it’s actually a frontline hero in the fight against food waste.

How It Works

Real‑time Promotion: Supermarkets can push “reduce‑to‑clear” items straight to local bargain hunters online.
Instant Impact: Each sale that prevents a product from ending up in the trash boosts the store’s profits.
Zero Hassle: No complicated systems—just a sticker, a click, and a happy customer.

Results That Speak Volumes

Since launching, Gander has rescued over 40 million food items. That’s about a 20% reduction in waste, turning would‑be trash into real money. Think of it as a win‑win: the planet gets a break, and the shelf stays fuller.

Ready to Join the Movement?

Supermarkets looking to plug the waste hole and boost their bottom line can apply by 31 March 2025. Those who leap aboard will not only be saving the environment but also earning extra cash with every yellow sticker sold.

2. Rise & Fall – low cost luxury

Rise & Fall: Turning High‑End Luxury Into a Friendly Bargain

Picture a perfectly soft A‑grade Mongolian cashmere jumper that feels like a hug from a cloud—only without the price tag of a porcelain vase. Pair that with high‑thread‑count organic cotton sheets that whisper through the night, and you’ll find Rise & Fall has carved out a niche in the luxe market that is as profitable as it is kind to the pocket.

Why the Buzz Is About to Rise… and… Fall

The Times dubbed the brand “fashion’s best‑kept secret,” which is a far cry from the “self‑ies” that usually circulate in the streetwear world.
Since its debut, sales have more than doubled each year—talk about a growth spurt!
Everything from cashmere to organic bedding is hand‑picked, ethically sourced, and slotted at a price that makes the word “affordable” feel like a new reality.

What’s the Secret Sauce?

Schmooze with the supply chain, listen to the customer for everyone, and add a sprinkle of humor. Fall has cracked the code by marrying “super‑soft” with “super‑sustainable,” letting shoppers feel like they’re strutting to the mall in a private jet while actually flying economy.

Future Horizons:

Next stop? Going global. The brand plans to plant its flag across overseas runways and living rooms, offering a taste of home‑grown luxury to a wider audience. If you’re keen to join this high‑class, earth‑friendly adventure—remember the application deadline: 31 March 2025.

Because why settle for a single hit when you can have the whole album? Let’s keep the world stylish, sustainable, and a little bit fun.

3. Beings – AI research revolution

Revolutionizing Consumer Research with AI

Why Everyone’s Talking About Beings

Imagine putting a super‑fast, ultra‑savvy robot in charge of turning hundreds of customer chatter into bite‑size insights. That’s Beings for you — the AI that swoops in and does the messy, pricey legwork for you, spilling 80% of the labor out of the equation. So, if you’ve ever spent hours sorting through a wall of quotes, Beings is now the out‑of‑the‑box solution that makes it feel like a breeze.

What’s Actually Happening?

Speed: What used to take weeks can be done in a few days.
Cost: The price tag drops dramatically; you’ll thank your accountant.
Accuracy: A whole army of algorithms cross‑checks facts, giving you insights you can trust.

The Big Names Backed It

Even Google has jumped on the bandwagon, calling Beings “the future of research.” When a tech titan can’t stop raving about your tool, you know you’re onto something big.

Ready to Jump In?

The deadline to apply is March 29, 2025. Don’t miss your shot to shake up the research game and bring AI magic into your team. Good luck!

About the Enterprise Investment Scheme (EIS)

Why EIS Is the Tax-Puzzle You Didn’t Know You Needed

Picture this: you drop a chunk of cash into a company that’s set to grow like a champ, and then the tax man hands you a sweet gift card. That’s the magic of Enterprise Investment Schemes (EIS). Let’s break down the goodies you’ll get—no legal jargon, no boring numbers, just the gut‑feel of those tax perks.

1. 30% Income Tax Relief – Your Pocket’s New Best Friend

Chop up to a full 30% of what you threw into the EIS out of your income tax bill for the year.
Think of it as a “tax vacation” where part of your money gets to stay in the pocket while the rest lives in a free‑floating investment.

2. Capital Gains Tax (CGT) Deferral – Postpone the Pain

Got a windfall elsewhere? Re‑invest it into an EIS company and that CGT rise? Just put it on the back burner.
It’s a re‑tailored “bring it back later” strategy that keeps your immediate taxes chill.

3. Tax‑Free Growth – Three‑Year Gold Standard

Hold your EIS shares for at least three years and any gains on them are exempt from CGT.
Let the market do its zen thing; you don’t owe the tax folks on that sweet surge.

4. Loss Relief – Catch a Kick‑Back

If the business stumbles (we’ve all had that “oops” moment), you can offset those losses against income tax or even other capital gains.
It’s like turning a business nap into a “tax savings” power‑nap.

5. Inheritance Tax Relief – Pass It on, More Like

Hold the shares at least two years and you qualify for Business Property Relief (BPR), making them basically tax‑free for inheritance.

Heads Up: The Tax Plot Twist

Heads‑up: The future looks a bit more dramatic. Soon, only the first £1 million of BPR assets will enjoy a full tax exemption. Anything over that? You’ll still get a 50% discount on the inheritance tax, but no longer the complete bargain.

The Final Smash: Invest Before Year‑End

Doing it before the tax calendar closes gives you the advantage. You lock in the relief for the current year, spike your tax efficiency, and mix up your portfolio with high‑potential, high‑risk gems.

Ready to feel that tax wind in your favor? Keep your device on standby: