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Saving and investing

With so many investment returns at an all time low it is essential to address how to save for the future even when times are tough economically. Here we look at some of the available opportunities for your savings and investments.

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Building your wealth

Making your savings grow and being able to retire when and how you want is one of your most important financial objectives. But achieving this goal takes planning and perseverance.
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Financial planning for life

Throughout life, from childhood to retirement, circumstances and priorities change. At every stage it is important to make well-informed decisions to ensure that you and your family are following the best strategies for achieving your goals.
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Planning for retirement

For many people their retirement plans have been devastated by various falls in stock markets, low annuity rates and the lack of growth in the buy-to-let marketplace. How will the removal of the requirement to buy an annuity affect you? Many may question what chance there is of a 'comfortable retirement'?
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ISA allowances

Details of investment maximums for ISAs and the Junior ISA.
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ISAs and the Lifetime ISA

An ISA is a tax-free investment vehicle. When you invest your savings, shares or life insurance, as well as all authorised retail investment schemes and UK Real Estate Investment Trusts into an ISA, your income and gains from the investments are free from income tax and capital gains tax.
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Alternative investments

When it comes to investing, there is more to life than ISAs, stocks and shares. Alternative investments have risen in popularity in recent times, especially among those who have money to invest and do not wish to invest in the stock market or property.
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Tax efficient investments

Including ISAs, pension contributions, enterprise investment scheme (EIS), seed enterprise investment scheme (SEIS) and venture capital trusts (VCTs).
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Tax on savings income

Savings income (which includes all types of interest) has been paid net of basic rate tax for many years, but this came to an end in April 2016. The personal savings allowance provides a nil rate of tax on the first £1,000 of savings income for basic rate taxpayers and £500 for higher rate taxpayers, with none available to additional rate taxpayers. If your only taxable income arises from savings income, or your other income is very small the amount liable to 0% tax may be as high as £5,000
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Capital gains tax EIS deferral relief

Tax relief for re-investment of gains in qualifying schemes was introduced to stimulate investment in small businesses, and was incorporated into the enterprise investment scheme (EIS), as EIS deferral relief.
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VCT, EIS and SEIS

This section provides an analysis of the tax reliefs afforded by venture capital trusts, the enterprise investment scheme, and highlights the important differences between the individual schemes.
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