Knowledge

Be more invested

How can you be more invested in your financial future? With the end of the tax year approaching, make your savings work harder for you and take advantage of the tax exemptions and allowances available to you.
Start investing today Our Direct Investment Service

When is the tax year end?

The 2021/22 tax year ends at midnight on April 5th

You have until April 5th to ensure you take advantage of the tax exemptions and allowances available to you. Tax years run from April 6th to April 5th; in most cases, if you don’t use the various allowances before the end of the tax year, they are lost forever.

Register for our free online event on March 9th and find out what you need to know.

Three options for tax efficient saving

Start your investment journey with one of our tax efficient investment accounts.

Stocks & Shares ISA

Makes 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.
  • If you’re looking to invest tax efficiently and want flexibility to access your money when you need it.
Find out more
1 of 3

Self-Invested Personal Pension

Often the most tax-efficient way to save for your retirement is with a pension

  • You can shelter up to £40,000 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.
  • If you’re looking to save for your retirement and don’t need access to your money until you’re at least 55.
Find out more
2 of 3

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.
  • If you’re looking to create a tax-efficient savings pot for your children or grandchildren to give them a financial head start.
Find out more
3 of 3

Cash ISA v Stocks & Shares ISA

You can shelter up to £20,000 tax-free, each year across your Individual Savings Accounts (ISAs), the most common being Cash and Stocks and Shares ISAs. Both options can help you start to save for your future, giving you the flexibility to access your money when you need it.

Cash ISAs

Great for your shorter-term needs – saving for a holiday or a house purchase. However, due to low-interest rates, your money may not be working as hard for you over the long term as it could. Please note Charles Stanley does not offer Cash ISAs.

Stocks and Shares ISAs

Help you build your wealth over time – we recommend five years or more. For longer periods the stock market tends to do a much better job than cash in keeping up with inflation – rises in the cost of living. However, investments can go up and down in value, so you could get back less than you put in.

Insights to help you

Article
Is cash really king?
By Rob Morgan
Spokesperson & Chief Analyst
13 Jan 2022 | 6 min read
09
Mar 2022
12:00 - 12:45
Event
Your essential tax year end checklist
Chaired By Charles Stanley
Article
New year, fitter finances
By Rob Morgan
Spokesperson & Chief Analyst
04 Jan 2022 | 5 min read
Article
What is compound interest and how it can benefit you?
By Rob Morgan
Spokesperson & Chief Analyst
16 Dec 2020 | 3 min read

How can you start investing today?

Invest with confidence using our first-class service to implement your investment decisions, through our secure platform and app.

With our Direct Investment Service, you can start your investment journey with these 5 easy steps:

  1. Register & verify your email
  2. Provide us with some details about you
  3. Choose your account - ISA, SIPP, Junior ISA and Investment account.
  4. Add your money to your account
  5. Choose your investments, buying a fixed amount or monthly investments.

Benefits of our Direct Investment Service

Award-winning service

Our experienced team is based in Edinburgh. They provide the highest levels of service and will support you in any way they can – from opening your account to detailed account queries.

Competitive charges

Our low service fee is a maximum 0.35% with no minimum investment. Take advantage of savings through our highly competitive loyalty programme, where fees decrease the more you invest.

Safe and secure

Nothing is more important to us than the safety of your money. We’ve designed our processes to protect and nurture wealth in a safe environment, including strong cybersecurity measures.

Sign up to our emails

Don't miss out on our latest insights, with market commentary, personal finance guidance and information on upcoming events.

By submitting your details you are consenting to receive marketing communications from Charles Stanley.

We store your data in accordance with data protection legislation and our privacy notice. You can unsubscribe at any time by clicking the link in our emails or emailing us.

This site is protected by reCAPTCHA and the Google Privacy Policy and the terms of service apply.

Frequently asked questions