Tax-efficient investing
Make the most of your money by minimising taxes on any investment returns, bringing you closer to your ideal future.
Capital at risk.
Building wealth with effective tax planning
If you’re a high earner, considering the impact of tax is especially important when planning for retirement, a large purchase, and how to build wealth for the future.
Your tax allowances
By investing lump sums into a Stocks & Shares ISA, Junior ISA, Lifetime ISA, or a Personal Pension, you could save on tax and keep more of your returns.
The 60% tax trap
Earning £100,000 to £125,140? You might pay as much as 60% tax on that part of your income. By paying more into your pension, you could reduce your tax.
Your CGT allowance
Your Capital Gains Tax allowance lets you earn up to £3,000 tax-free each tax year. You can use our General Investment Account to make the most of it.
Gifting your wealth
You could save on tax by gifting an amount each year, and you can gift from your income too. Gifts over £3,000 aren’t taxed if you live for seven years after giving them.
Tax rules vary by individual status and may change.
Using a pension to save tax
Whilst your pension is mainly for your retirement, it could also help you to reduce tax.
- Using pension carry forward enables you to make pension contributions above the current annual amount by using unused allowances from the previous three tax years.
- Pension contributions give you tax relief at your marginal rate. The basic 20% is added automatically, and if you’re a higher or additional rate taxpayer, you can claim the extra relief on any personal pensions through your tax return.
Optimising your retirement funds
As you start to think about life after work, there are various ways you could help design your ideal retirement.
- Withdrawing from your pension tax-efficiently helps you keep more of your retirement income. This could mean avoiding taxable withdrawals while you’re still working, or taking income to use your personal allowance before your State Pension starts.
- Taking income from other investments – such as your ISA or General Investment Account, can help you fund your retirement without dipping into your pension at all.
Our products and services
We have a range of ways to help you achieve your ideal future, enabling you to invest in a way that supports your long-term goals.
Range of ISAs
Make the most of your ISA allowances with a Stocks and Shares ISA, Lifetime ISA and Junior ISA.
Personal Pension
Get tax relief at your marginal rate on contributions, and pay no tax on any returns.
General Investment Account
Make the most of your Capital Gains Tax allowance with our General Investment Account.
Financial advice
Our financial advisers offer paid advice and can set you up with a long-term, tax-efficient strategy.
Tax rules vary by individual status and may change. Product rules apply.
Our experts are here to help
Our retirement experts are on hand to answer your questions and provide free guidance as you prepare for retirement.
Speak to usAs with all investing, your capital is at risk. The value of your portfolio can go down or up and you may get back less than you invest. Tax rules vary by individual status and may change. ISA/JISA/LISA/Pension eligibility rules apply. We provide 'restricted advice', meaning we only make investment recommendations on the products and services that we offer. This is general information, not personalised tax advice.