What is a Family Investment Company (FIC)?

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What is a Family Investment Company (FIC) and how can it transform your tax strategy? If you're a UK landlord or property investor aged 45 to 65, you've likely accumulated significant wealth. But without the right structure, your estate could face up to 40% Inheritance Tax (IHT). That’s where the FIC comes in.
A Family Investment Company is a private limited company used to pass down wealth, often in the form of property or shares, while maintaining control. It offers a compelling alternative to trusts, especially post-2010 when trust tax regimes became less favourable. FICs allow parents to retain control as directors, while children hold non-voting shares. This structure creates a tax-efficient method of managing and growing family wealth.
FICs can reduce exposure to IHT, benefit from Corporation Tax rates as low as 19%, and offer flexibility in income distribution through dividends. They are particularly useful for landlords with large portfolios seeking a long-term generational planning strategy.
This video explains how FICs work, their tax benefits, and recent HMRC scrutiny updates, including the fact that the 2019 review into FICs concluded with no adverse changes—making them a viable option in 2025 and beyond.
We also break down the top 7 tax pitfalls landlords face and provide 8 actionable steps to implement a Family Investment Company strategy today.
Book a call with Optimise Accountants to structure your property investments the right way—before it’s too late.

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