High Net Worth Investments | Resources

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Understanding high net worth investing

A high net worth individual typically has investable assets exceeding a defined minimum net worth threshold, often excluding their primary residence.
With significant capital comes the opportunity – and responsibility – to manage investment risk, navigate complex tax rules, and align each decision with long-term financial planning objectives.
Unlike standard portfolios, high net worth investments often include exposure to multiple asset classes, such as:
• Property (residential, commercial, and development opportunities)
• Private equity and early-stage businesses
• Hedge funds and alternative funds
• Pensions and individual savings accounts for tax-free income
• Direct business ownership and structured finance vehicles
Each option carries its own risks, benefits, and level of liquidity, so understanding how they work together is essential.

Balancing risk and return

Every investor’s personal circumstances influence how much investment risk they should accept.
A high-risk investment may deliver exceptional growth, but it could also expose investors to losses if market conditions shift.
Strategic wealth managers and financial advisers help clients find balance – ensuring income, pensions, and assets are positioned to deliver stability as well as opportunity.
Investing in property can generate reliable income while also offering long-term capital gains.

Tax considerations for high net worth investors

Effective tax planning is central to wealth management services. With significant capital and diverse holdings, clients must account for:
• Capital gains tax and how to make use of the annual exemption
• Inheritance tax (IHT), IHT relief and succession strategies for family members and civil partners
• Income tax exposure and potential income tax relief through pension contributions
• Managing wealth tax obligations in global jurisdictions
• Leveraging tax-free income sources where appropriate

A strong financial institution or trusted adviser will tailor tax and wealth planning to the individual, ensuring every plan supports the preservation of estate and value across generations.

Building a long-term strategy

A successful wealth management approach combines financial planning, investment strategy, and intergenerational foresight. The focus extends beyond short-term income to the future – ensuring that family structures, trusts and companies are built to endure.
Key components of a long-term high net worth investment plan include:
• A clear investment structure through a private investment company or family investment company
• Diversification across multiple asset classes to manage risks and enhance returns
• Ongoing review of tax efficiency, pension strategies, and inheritance provisions
• Dedicated support from experienced wealth managers and legal professionals in property law and estate structuring
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When done correctly, high net worth investing transforms money into enduring wealth, ensuring the maximum amount of benefits reach the intended family or next generation.

How Maritime Capital supports high net worth clients

Maritime Capital work with high net worth individuals, family offices, and private investors seeking sophisticated exposure to the UK property market.
With decades of experience in sourcing, acquiring, and managing commercial and residential assets, our expert team focuses on creating tangible value while maintaining full compliance with relevant tax rules and legal frameworks.
Our wealth management services are designed for those with significant capital who want to invest more than £50m, with a focus on:
• Long-term capital gains and income stability
• Sensible risk management
• Effective tax structuring and wealth preservation
• Bespoke support from experienced financial advisers and wealth managers

By working in partnership with our clients, we help safeguard all the money they’ve built, ensuring it continues to work intelligently for their future.

What qualifies as a high net worth investor?

In the UK, a high net worth investor is generally defined as someone with investable assets above a certain threshold, often excluding their primary residence. This level of net worth provides access to exclusive investment opportunities and tailored wealth management options.

Are high net worth investments riskier?

Not necessarily. While some high net worth investments such as private equity or hedge funds carry higher risk, a well-structured financial plan can balance high-risk investment areas with stable property or income assets.

How can I reduce tax on my investments?

Effective tax planning uses pension contributions, individual savings accounts, and family investment companies to improve tax efficiency and achieve income tax relief. Professional advice ensures all plans comply with UK tax rules.

Can property be part of a high net worth investment strategy?

Yes. UK property remains a key asset class for wealth preservation and growth. It offers long-term capital gains and steady income, often with tax advantages depending on ownership structure and estate planning.

What is the best way to structure my wealth for the next generation?

Creating a robust wealth planning framework with support from trusted wealth managers ensures family members benefit fully while reducing inheritance tax exposure. Private investment companies, trusts and tailored financial planning can protect and transfer assets effectively.

Ready to plan your next investment move?

Maritime Capital collaborate with high net worth and ultra high net worth clients to create property investment strategies that align with your goals, protect your assets and grow your wealth for future generations.
Our experienced team can provide the insight and guidance you need.
Contact us today to discuss your objectives and see how we can help you structure, manage and grow your wealth with confidence.