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.
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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.

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.
  • If you’re looking to save for your retirement and don’t need access to your money until you’re at least 55.
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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.
  • If you’re looking to invest tax efficiently and want flexibility to access your money when you need it.
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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.
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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

Article
Last minute tips for using your ISA allowance
By Rob Morgan
Spokesperson & Chief Analyst
04 Jan 2024 | 9 min read
Article
What is the personal savings allowance?
By Rob Morgan
Spokesperson & Chief Analyst
02 Mar 2024 | 6 min read
Article
Investment ideas for your ISA allowance
By Rob Morgan
Spokesperson & Chief Analyst
11 Jan 2024 | 13 min read
Article
How do SIPPs work?
By Rob Morgan
Spokesperson & Chief Analyst
10 Mar 2024 | 9 min read

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.

Direct Investment Service

I would like to manage my own investments

Invest in your future using our first-class investment platform and app. Securely manage your portfolio online, with no minimum investment level.

  • You will have access to our platform and dealers to make your investment decisions.
  • You can construct your investment portfolio from a wide range of investments, from stocks & shares, funds, ETFs and more.
  • Our low platform fee is a maximum 0.35%, with savings 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

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 (please note that our advice is restricted).
  • 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.
  • Minimum investment - £20,000.
Find out more
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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)

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