Tax year end
Make the most of your allowances before the tax year ends. Our hub brings together the key deadlines, opportunities and insights to help you feel confident about your financial decisions.
You may feel that speaking to a financial adviser could help bring clarity at this time of year. All meetings, up to and including the presentation of your financial plan, are free. You’ll only pay if you choose to go ahead with our recommendations.
Understanding tax jargon
Tax terminology doesn’t have to be confusing. We break down the most commonly used terms so you can understand exactly what they mean and how they may affect your financial plans.
ISA
- Capital gains tax
- Inheritance tax
- Pension annual allowance
- Pension tax relief
- Lifetime allowance
What is an ISA?
An ISA (Individual Savings Account) is a simple and tax‑efficient way to save or invest. Each tax year, you have an allowance that lets you put money away without paying income tax or capital gains tax on any interest, dividends, or investment growth.
Whether you’re building an emergency fund, saving towards a goal, or investing for the long term, ISAs are designed to help your money grow more efficiently. And because you don’t pay tax when you withdraw, they offer valuable flexibility as your plans evolve.
The value of your pension plan and its investments can go down as well as up, and there are no guarantees. You might get back less than you’ve paid in, and the benefits you receive will depend on the value of your plan when you take them.
What is an ISA?
An ISA (Individual Savings Account) is a simple and tax‑efficient way to save or invest. Each tax year, you have an allowance that lets you put money away without paying income tax or capital gains tax on any interest, dividends, or investment growth.
Whether you’re building an emergency fund, saving towards a goal, or investing for the long term, ISAs are designed to help your money grow more efficiently. And because you don’t pay tax when you withdraw, they offer valuable flexibility as your plans evolve.
The value of your pension plan and its investments can go down as well as up, and there are no guarantees. You might get back less than you’ve paid in, and the benefits you receive will depend on the value of your plan when you take them.
ISA
- Capital gains tax
- Inheritance tax
- Pension annual allowance
- Pension tax relief
- Lifetime allowance
What is an ISA?
An ISA (Individual Savings Account) is a simple and tax‑efficient way to save or invest. Each tax year, you have an allowance that lets you put money away without paying income tax or capital gains tax on any interest, dividends, or investment growth.
Whether you’re building an emergency fund, saving towards a goal, or investing for the long term, ISAs are designed to help your money grow more efficiently. And because you don’t pay tax when you withdraw, they offer valuable flexibility as your plans evolve.
The value of your pension plan and its investments can go down as well as up, and there are no guarantees. You might get back less than you’ve paid in, and the benefits you receive will depend on the value of your plan when you take them.
What is an ISA?
An ISA (Individual Savings Account) is a simple and tax‑efficient way to save or invest. Each tax year, you have an allowance that lets you put money away without paying income tax or capital gains tax on any interest, dividends, or investment growth.
Whether you’re building an emergency fund, saving towards a goal, or investing for the long term, ISAs are designed to help your money grow more efficiently. And because you don’t pay tax when you withdraw, they offer valuable flexibility as your plans evolve.
The value of your pension plan and its investments can go down as well as up, and there are no guarantees. You might get back less than you’ve paid in, and the benefits you receive will depend on the value of your plan when you take them.
Articles you might find helpful
Explore more of our expert insights to help you make informed decisions before the tax year ends. From practical tips to in‑depth explanations, these articles are here to support your planning and give you confidence at every step.
Making the most of your tax allowances
Learn how the latest changes to the UK tax system could impact your financial planning and explore ways to navigate the complexities with guidance from a financial adviser.
How ISAs and pensions could be the perfect partnership
ISAs and pensions are two of the most powerful tools for building long-term wealth. While pensions provide tax relief and security for retirement, ISAs offer flexibility and tax-free withdrawals.
Understanding tax jargon: A simple guide
Navigating the financial world can be daunting, especially when you're faced with complex terms and concepts. Whether it's a tricky acronym or unfamiliar tax rules, it's easy to feel overwhelmed.
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