There's no such thing as free money. Or is there?
Tax expert Ian Fitzpatrick of the Birmingham office of Haines Watts, believes there could well be.
First, says Ian, invest into a venture capital trust.
"VCTs were introduced by the Conservative government in 1995 and are designed to encourage individuals to invest in small UK trading companies, " said Mr Fitzpatrick.
"Typically, the spread of investment could be between 30-50 individuals. There are substantial tax benefits for the investor in that he will receive 40 per cent tax relief on the initial investment, any dividends received will be tax free and provided he owns the trust for three years, any gain on disposal will be exempt from capital gains tax."
Whilst historically the performance of VCTs has been mixed, a substantial number of investors have been able to either break even or achieved a return on their investment. However, according to Mr Fitzpatrick, the potential goes beyond the initial 40 per cent tax relief.
"Take an investor that put £100,000 into a VCT. They receive tax relief of 40 per cent - £40,000.
"Wait three years and then invest that £100,000 - or more if there has been a return on the investment in a pension contribution. Again, claim pension tax relief of £40,000.
"Then, if you are over 55, receive a pension tax free cash sum of £25,000. That means the investor will receive £105,000 - with £75,000 left in the pension scheme.
"There is a risk in as much the trust can go up as well as down but even so, with 40 per cent relief, even if there is a loss on the VCT, there is plenty of margin.
"It may take three to five years to achieve the return - but where else can you get this kind of money by doing so little?"