Your first steps

Once you’re confident your finances are in order, you need to start planning your investments. Get started by setting financial goals. Are you investing for growth? Or income? We'll help you answer these questions and more in this section.

Always remember that investments can fall in value and you may get back less than you invest.
Tax rules can change and their effects on you will depend on your individual circumstances.

How dividends are taxed

Tax rules which came into effect on 6 April 2016 saw the dividend tax credit abolished and a dividend allowance introduced, along with higher rates of income tax on dividends in excess of the allowance. Here’s a summary of how dividends are currently taxed.

Key tax rates, limits and allowances: Your at-a-glance guide

Here’s our run-down of all the key tax rates, limits and allowances you need to know for the 2023-24 tax year. When it comes to using ISA and pension allowances, remember you don't have to make your investment choices straight away - as long as you have the cash in place this tax year, that’s enough to secure the tax benefits of this year’s allowances.

Make the most of this year's tax breaks

Cutting your tax bill by using available tax breaks is what every smart investor should be doing. Here are some simple ways to make the most of your annual tax allowances.

Planning your goals

Planning your investment goals is essential if you're going to have a real chance of achieving them.

Simple ways to stay tax smart

Keeping the tax you pay to a minimum is one way of making the most of your returns. Here are some useful ways to stay tax-efficient during the current tax year.

Starting to invest

You’ve decided to start investing, but there are several basic principles that you’ll need to understand first. This guide will help you get started with successful investing.

How tax rates vary depending on where you live

Some tax rates are different for different parts of the UK. We explain what you need to know.

The Lifetime ISA explained

If you’re aged under 40, you’re eligible to open a Lifetime Individual Savings Account (LISA) to help you save for a home or your retirement. Here, we explain the LISA rules.

What is the personal savings allowance and what does it mean for you?

Since April 2016, the personal savings allowance (PSA) has changed the way savings income is taxed. We take a look at how the PSA works and explain what is classed as savings income.

Always remember that investments can fall in value. You may get back less than you invest. 

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Investment strategies

Stay up to date with the latest investment strategies from independent industry experts and our own professionals. We explore a wide range of different ideas and approaches so that you can work out the best investment plan for you.

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If you have any questions, you can give us a call on 0800 279 36671