Get on the right path to investing
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.
Get on the right path to investing
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.
Here’s our run-down of all the key tax rates, limits and allowances you need to know for the 2020-2021 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.
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.
Rock bottom interest rates are tough on savers. Clare Francis, Director of Savings and Investments, explores what options are available in today’s low interest rate environment.
Planning your investment goals is essential if you're going to have a real chance of achieving them.
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.
You’ve decided to start investing, but there are several basic principles that you’ll need to get to grips with first. This guide will help you to start on the road towards successful investing.
Some tax rates are different for different parts of the UK. We explain what you need to know.
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.
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.
Not sure whether you should put your spare cash in a savings account or invest it? Understand the differences between saving and investing before deciding.
Always remember that investments can fall in value. You may get back less than you invest.
Plan & Invest is a new service which creates and manages a personalised Investment Plan just for you. Whether your long-term goal is your child’s university education, retirement or just building a nest egg, all you have to do is tell us a bit about yourself and then, if you’re ready to invest, let our experts select and manage your investments.
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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