Knowledge
Are you ready for Tax Year End?
Have you taken advantage of all the tax allowances available to you? Act now to save tax every year with an ISA, Self-Invested Personal Pension (SIPP), or Junior ISA.
Your Tax Year End Checklist
Have you taken advantage of all the tax allowances available to you?
Four main considerations to keep in mind:
- Maximising your ISA allowances
- Ensuring you’re contributing to your retirement with a pension
- Giving your children or grandchildren a financial head start
- Being aware of your tax allowances
Tax-efficient account options
Whether you’re looking to open a personal pension, transfer your ISA or combine different savings pots into a single tax-saving account, we have several options to help you.
Account options
Self-Invested Personal Pension
Often the most tax-efficient way to save for your retirement is with a pension
- You can shelter up to £60,000 each tax year, depending on earnings.
- No capital gains tax on profits.
- No tax on dividends from shares or the income earned on bonds.
- Additional tax relief on your contributions.
- A SIPP is in your name only.
- Great for saving for your retirement but you won’t be able to access your money until you’re at least 55.
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Account options
Stocks & Shares ISA
Make your savings work harder with our flexible ISA
- You can shelter up to £20,000 each tax year.
- No capital gains tax on profits.
- No tax on dividends from shares or the income earned on bonds.
- An ISA is in your name only.
- Invest tax efficiently with flexible access your money when you need it.
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Account options
Junior Stocks & Shares ISA
Give your children or grandchildren a financial head start with a Junior ISA
- You can shelter up to £9,000 each tax year.
- No capital gains tax on profits.
- No tax on dividends from shares or the income earned on bonds.
- Your child or grandchild owns the JISA and they can access the funds at 18.
- A tax-efficient savings pot for your children or grandchildren to give them a financial head start.
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Which account is right for me?
ISAs, self-invested personal pensions, and Junior ISAs offer opportunities to shelter your potential returns from tax. Thinking about your personal circumstances, such as whether you need flexible cash withdrawals, can help you understand which account type is most suitable.
More insights
Read our latest commentary, explainers and tax guides to stay informed on key financial matters. Sign up to receive regular email updates with our latest insights.
How would you like to manage your investments?
We have a wide range of investment services, offering you the flexibility to be as involved as much or as little as your like.
Online Investing
I would like to manage my own investments online
Invest in your future using our first-class investment platform and app. Securely manage your portfolio online, with no minimum investment level.
- You are in charge of all your investment decisions.
- Build your investment portfolio from over 12,500 investments, from stocks and shares, funds, ETFs and more.
- Our low platform fee is a maximum of 0.30% (£5 min monthly platform fee), with saving available through our loyalty programme.
- No minimum investment.
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Bespoke Investment Service
I would like a professional to manage my investments for me
Entrust a dedicated expert to make investment decisions on your behalf.
- You’ll have direct contact with your investment manager, speaking directly to the person responsible for your portfolio.
- We’ll construct a portfolio based on your personal circumstances, investment objectives and risk appetite.
- We can accommodate your investment preferences, such as responsible and ESG investing; also allowing you to hold your cherished holdings.
- Minimum investment £200,000.
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Personal Portfolio Service
I would like an expertly managed portfolio, in a cost-effective way
For a straightforward way to access our investment expertise, we'll help you invest in one of our funds to suit your needs.
- Access our advice desk whenever you want to contact us by phone or email
- A range of five actively managed funds, and we’ll guide you to the one that most closely matches your investment objectives and risk appetite.
- Annual review to ensure we’re managing your money in the most suitable investment strategy.
- Our advice is restricted to our in-house funds.
- Minimum investment - £20,000.
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Request a call back
Get a better understanding of your current situation and the options available to you, take advantage of a free 15-minute coaching session with a financial expert.
0207 739 8200 (Open Mon-Fri, 9am-5pm)