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Reply-To: <thebusinessinvestor1@gmail.com>
From: "The Business Investor" <thebusinessinvestor1@email.thebusinessinvestor.co.uk>
To: <bob@sarahharvey.com>
Subject: EIS Tax Relief. Auto-enrollment pension app
Date: Fri, 19 Jun 2026 18:51:10 +0100
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Turning habits in pension saving backed by HMRC



Hello,

We are introducing an EIS eligible investment opportunity in Chest, a 
UK-based fintech platform focused on improving how younger generations save 
for retirement.

Chest is building a mobile-first pension app that helps users grow long-term 
savings through everyday financial activity. By converting cashback rewards 
and automated micro-savings into pension contributions, the platform 
integrates saving into daily spending behaviour rather than relying on 
traditional lump-sum investing.

Opportunity Highlights

• Mobile-first pension platform designed for Gen Z and millennial users
• Converts everyday spending and cashback into long-term retirement savings
• Automated saving features including round-ups and smart contribution rules
• Addresses widespread under-saving across younger demographics
• Behaviour-driven approach to building long-term financial habits



EIS Benefits

>> 30 percent income tax relief

 • Capital Gains Tax free growth on qualifying shares

 • Loss relief to reduce downside exposure and IHT exemptions

 • Potential for high compounded returns w all reliefs combined

 • Potential inheritance tax relief after holding period

Please advise if you would like access to the investor pack.

If the above is of interest, please let us know by replying to this email or 
filling in our 
<https://t.email.thebusinessinvestor.co.uk/a/2/71ekUYtywJRkrNV2me3Wqg/8NhBRnFGYuX1lzyxPGDWCQ1k1H5IyHa63ScS1-TTSSilRw4xJPki9xF-E6EGdjAZjQLqi64FSODCU7auOGf22QU5BWjhhUwCBFJqXw371CVKy5ZsvXJ3hWwqw81Ea5IGJLXZJh2l1Efx3DkwcQapZQ> 
online form.

As with all early-stage investments, capital is at risk and tax treatment 
depends on individual circumstances.

Kind regards,
The Business Investor



*If applicable
Disclaimer: Any person accessing the email and considering potential 
investment opportunities featured in the email should make their own 
commercial assessment after seeking the advice of an appropriately 
authorised or regulated financial adviser. This email should not be 
construed as advice or a personal recommendation to any prospective 
investor. Investments of this nature carry risks to your capital and can go 
up or down. Past performance is not indicative of future results. This 
opportunity is only suitable for high net worth or self-sophisticated 
investors as defined below. You have an annual income in excess of ?100K. 
Have net assets in excess of ?250K (excluding your pension funds and assets 
and your private residence). You have been a Director of a company turning 
over at least ?1 million within the last two years. You have made more than 
one investment in an unlisted company in the previous two years. You have 
been a member of a network or syndicate of business angels for at least six 
months. You have worked in the last two years in a professional capacity in 
the private equity sector or in the provision of finance for small and 
medium enterprises.

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backed by HMRC</div>
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  <div style=3D"font-size: 14px; line-height: 140%; text-align: left; =
word-wrap: break-word;">
    <p style=3D"margin: 12pt 0px; line-height: 140%;"><span =
style=3D"font-size: 11pt; font-family: Poppins, Arial, sans-serif; =
color: rgb(0, 0, 0); line-height: =
19.6px;"><strong>Hello</strong>,</span></p>
<p style=3D"margin: 12pt 0px; line-height: 140%;"><span =
style=3D"font-size: 11pt; font-family: Poppins, Arial, sans-serif; =
color: rgb(0, 0, 0); line-height: 19.6px;">We are introducing an EIS =
eligible investment opportunity in Chest, a UK-based fintech platform =
focused on improving how younger generations save for =
retirement.</span></p>
<p style=3D"margin: 12pt 0px; line-height: 140%;"><span =
style=3D"font-size: 11pt; font-family: Poppins, Arial, sans-serif; =
color: rgb(0, 0, 0); line-height: 19.6px;"><strong>Chest</strong> is =
building a mobile-first pension app that helps users grow long-term =
savings through everyday financial activity. By converting cashback =
rewards and automated micro-savings into pension contributions, the =
platform integrates saving into daily spending behaviour rather than =
relying on traditional lump-sum investing.</span></p>
<p style=3D"line-height: 140%; margin: 0px;" data-start=3D"1655" =
data-end=3D"1880"><span style=3D"font-family: Poppins, Arial, =
sans-serif; line-height: 19.6px;"><strong><span style=3D"font-size: =
11pt; color: rgb(0, 0, 0); line-height: 19.6px;">Opportunity =
Highlights</span></strong> </span></p>
<p style=3D"line-height: 140%; margin: 0px;" data-start=3D"1655" =
data-end=3D"1880"><span style=3D"font-family: Poppins, Arial, =
sans-serif; line-height: 19.6px;"><span style=3D"font-size: 11pt; color: =
rgb(0, 0, 0); line-height: 19.6px;">=E2=80=A2 Mobile-first pension =
platform designed for Gen Z and millennial users</span><span =
style=3D"font-size: 11pt; color: rgb(0, 0, 0); line-height: =
19.6px;"><br></span><span style=3D"font-size: 11pt; color: rgb(0, 0, 0); =
line-height: 19.6px;"> =E2=80=A2 Converts everyday spending and cashback =
into long-term retirement savings</span><span style=3D"font-size: 11pt; =
color: rgb(0, 0, 0); line-height: 19.6px;"><br></span><span =
style=3D"font-size: 11pt; color: rgb(0, 0, 0); line-height: 19.6px;"> =
=E2=80=A2 Automated saving features including round-ups and smart =
contribution rules</span><span style=3D"font-size: 11pt; color: rgb(0, =
0, 0); line-height: 19.6px;"><br></span><span style=3D"font-size: 11pt; =
color: rgb(0, 0, 0); line-height: 19.6px;"> =E2=80=A2 Addresses =
widespread under-saving across younger demographics</span><span =
style=3D"font-size: 11pt; color: rgb(0, 0, 0); line-height: =
19.6px;"><br></span><span style=3D"font-size: 11pt; color: rgb(0, 0, 0); =
line-height: 19.6px;"> =E2=80=A2 Behaviour-driven approach to building =
long-term financial habits</span> </span></p>
<p style=3D"line-height: 140%; margin: 0px;" data-start=3D"1655" =
data-end=3D"1880">&nbsp;</p>
<p style=3D"line-height: 140%; margin: 0px;" data-start=3D"1882" =
data-end=3D"2086"><span style=3D"font-family: Poppins, Arial, =
sans-serif; line-height: 19.6px;"><strong data-start=3D"1882" =
data-end=3D"1898">EIS Benefits</strong></span></p>
<p style=3D"margin: 12pt 0px; line-height: 140%;"><span =
style=3D"font-family: Poppins, Arial, sans-serif; line-height: =
19.6px;"><span style=3D"font-size: 11pt; color: rgb(0, 0, 0); =
line-height: 19.6px;">&gt;&gt; 3</span></span><span =
style=3D"font-family: Poppins, Arial, sans-serif; line-height: =
19.6px;"><span style=3D"font-size: 11pt; color: rgb(0, 0, 0); =
line-height: 19.6px;">0 percent income tax relief</span></span></p>
<p style=3D"margin: 12pt 0px; line-height: 140%;"><span =
style=3D"font-family: Poppins, Arial, sans-serif; line-height: =
19.6px;"><span style=3D"font-size: 11pt; color: rgb(0, 0, 0); =
line-height: 19.6px;"></span><span style=3D"font-size: 11pt; color: =
rgb(0, 0, 0); line-height: 19.6px;">&nbsp;=E2=80=A2 Capital Gains Tax =
free growth on qualifying shares</span></span></p>
<p style=3D"margin: 12pt 0px; line-height: 140%;"><span =
style=3D"font-family: Poppins, Arial, sans-serif; line-height: =
19.6px;"><span style=3D"font-size: 11pt; color: rgb(0, 0, 0); =
line-height: 19.6px;"></span><span style=3D"font-size: 11pt; color: =
rgb(0, 0, 0); line-height: 19.6px;">&nbsp;=E2=80=A2 Loss relief to =
reduce downside exposure and IHT exemptions</span></span></p>
<p style=3D"margin: 12pt 0px; line-height: 140%;"><span =
style=3D"font-family: Poppins, Arial, sans-serif; line-height: =
19.6px;"><span style=3D"font-size: 11pt; color: rgb(0, 0, 0); =
line-height: 19.6px;"></span><span style=3D"font-size: 11pt; color: =
rgb(0, 0, 0); line-height: 19.6px;">&nbsp;=E2=80=A2 Potential for high =
compounded returns w all reliefs combined</span></span></p>
<p style=3D"margin: 12pt 0px; line-height: 140%;"><span =
style=3D"font-family: Poppins, Arial, sans-serif; line-height: =
19.6px;"><span style=3D"font-size: 11pt; color: rgb(0, 0, 0); =
line-height: 19.6px;"></span><span style=3D"font-size: 11pt; color: =
rgb(0, 0, 0); line-height: 19.6px;">&nbsp;=E2=80=A2 Potential =
inheritance tax relief after holding period</span></span></p>
<p style=3D"line-height: 140%; margin: 0px;" data-start=3D"2088" =
data-end=3D"2150"><span style=3D"font-family: Poppins, Arial, =
sans-serif; line-height: 19.6px;">Please advise if you would like access =
to the investor pack.</span></p>
<p style=3D"margin: 12pt 0px; line-height: 140%;"><span =
style=3D"font-family: Poppins, Arial, sans-serif; line-height: =
19.6px;"><span style=3D"font-size: 10.5pt; color: rgb(0, 0, 0); =
background-color: rgb(247, 248, 249); line-height: 19.6px;">If the above =
is of interest, please let us know by</span><strong><span =
style=3D"font-size: 10.5pt; color: rgb(0, 0, 0); background-color: =
rgb(247, 248, 249); line-height: 19.6px;"> replying to this =
email</span></strong><span style=3D"font-size: 10.5pt; color: rgb(0, 0, =
0); background-color: rgb(247, 248, 249); line-height: 19.6px;"> or =
</span><strong><span style=3D"font-size: 10.5pt; color: rgb(0, 0, 0); =
background-color: rgb(247, 248, 249); line-height: 19.6px;">filling in =
our </span></strong><a rel=3D"noopener" =
href=3D"https://t.email.thebusinessinvestor.co.uk/a/2/71ekUYtywJRkrNV2me3=
Wqg/8NhBRnFGYuX1lzyxPGDWCQ1k1H5IyHa63ScS1-TTSSilRw4xJPki9xF-E6EGdjAZjQLqi=
64FSODCU7auOGf22QU5BWjhhUwCBFJqXw371CVKy5ZsvXJ3hWwqw81Ea5IGJLXZJh2l1Efx3D=
kwcQapZQ" target=3D"_blank"><span style=3D"font-size: 10.5pt; color: =
rgb(0, 0, 238); background-color: rgb(247, 248, 249); text-decoration: =
underline; text-decoration-skip-ink: none; line-height: 19.6px;">online =
form</span><span style=3D"font-size: 10.5pt; color: rgb(0, 0, 0); =
background-color: rgb(247, 248, 249); line-height: =
19.6px;">.</span></a></span></p>
<p style=3D"margin: 12pt 0px; line-height: 140%;"><span =
style=3D"font-size: 10px; font-family: Poppins, Arial, sans-serif; =
color: rgb(0, 0, 0); line-height: 14px;">As with all early-stage =
investments, capital is at risk and tax treatment depends on individual =
circumstances.</span></p>
<p style=3D"line-height: 140%; margin: 0px;"><span style=3D"font-family: =
Poppins, Arial, sans-serif; line-height: 19.6px;"><strong><span =
style=3D"font-size: 11pt; color: rgb(0, 0, 0); line-height: =
19.6px;">Kind regards,</span></strong><span style=3D"font-size: 11pt; =
color: rgb(0, 0, 0); line-height: 19.6px;"><br></span><span =
style=3D"font-size: 11pt; color: rgb(0, 0, 0); line-height: 19.6px;">The =
Business Investor</span></span></p>
<p style=3D"line-height: 140%; margin: 0px;">&nbsp;</p>
<p style=3D"line-height: 140%; margin: 0px;"><span style=3D"color: =
rgb(0, 0, 0); font-family: Helvetica, Arial, sans-serif; font-size: =
11.2px; white-space: normal; float: none; display: inline; line-height: =
15.4px;">*If applicable<br>Disclaimer: Any person accessing the email =
and considering potential investment opportunities featured in the email =
should make their own commercial assessment after seeking the advice of =
an appropriately authorised or regulated financial adviser. This email =
should not be construed as advice or a personal recommendation to any =
prospective investor. Investments of this nature carry risks to your =
capital and can go up or down. Past performance is not indicative of =
future results. This opportunity is only suitable for high net worth or =
self-sophisticated investors as defined below. You have an annual income =
in excess of ?100K. Have net assets in excess of ?250K (excluding your =
pension funds and assets and your private residence). You have been a =
Director of a company turning over at least ?1 million within the last =
two years. You have made more than one investment in an unlisted company =
in the previous two years. You have been a member of a network or =
syndicate of business angels for at least six months. You have worked in =
the last two years in a professional capacity in the private equity =
sector or in the provision of finance for small and medium enterprises. =
</span></p>
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