ISA 2017/18 allowances and deadlines

The end of a tax year brings with it a deadline for using certain tax allowances - such as your ISA allowance, the Annual Allowance for pension contributions, and a child's Junior ISA allowance. Here, we've brought together our award-winning analysis and commentary into this ISA and tax year-end hub.

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To get you started, here's a reminder of the 2017/18 tax year allowances: they apply to individuals, so a couple can each use these allowances
ISA	£20,000 across all current year ISAs (i.e. Cash, Stocks & Shares and Innovative Finance ISA)	Any unused allowance from a previous year is lost - you cannot carry it forward. Money moved between ISAs that are a past year contribution, or the use of an Additional Permitted Subscription do not count as a current year subscription.
Pension/SIPP	£40,000 across all your pensions. Plus, you can carry forward any unsuited allowance from the past three years.	The annual allowance falls to £10,000 once you start drawing on your pension.
Junior ISA	£4,128 across all current year JISAs (i.e. Cash and Stocks & Share JISAs)	A Child Trust Fund account, which has the same annual allowance, can be transferred to a Junior ISA. Unlike a JISA, the CTF 'year' runs from the child's birthday.
Dividend Allowance	£5,000	Excludes dividend income in an ISA or Pension/SIPP
Savings Allowance	Basic rate tax payer - £1,000 Higher rate tax payer - £500 Earnings in excess of £150,000 p.a. - no allowance
Capital Gains Tax	£11,300

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Three reasons why doing this can leave your ISA £4,000 better off

By: Josh Lee I Thu, 6th April 2017 - 09:38

With the new tax year on the horizon, research has found that profit can be boosted by investing sooner rather than later. Josh Lee investigates.

With the new tax year underway, research has found that profit can be boosted by investing sooner rather than later. Josh Lee investigates.

10 top stocks hitting new highs as ISA deadline approaches

By: Ben Hobson at Stockopedia I Wed, 5th April 2017 - 13:56

Momentum is one of the most powerful drivers of investment returns, so Stockopedia's Ben Hobson has found 10 shares at a 52-week high and showing strong signs of quality.

10 stocks Warren Buffett might buy this ISA season

By: Ben Hobson, Stockopedia I Wed, 29th March 2017 - 14:29

Some of the best investors made their money buying companies with moat-like characteristics. Stockopedia's Ben Hobson has tracked down 10 of the best large-cap shares that fit the bill.

10 ideas for your ISA allowance as the tax year ends

By: Faith Glasgow I Tue, 28th March 2017 - 14:15

With less than two weeks to go until the end of the 2016/17 tax year, brokers are rolling out their ISA fund recommendations. Faith Glasgow has their top tips.

12 changes to this Top Picks portfolio

By: David Brenchley I Mon, 27th March 2017 - 14:08

After lots of chopping and changing, this leading analyst's basket of 26 European shares offers upside potential of up to 42%, reports David Brenchley.

Financial advisers name their investment trust ISA tips for all ages

By: Money Observer team I Fri, 24th March 2017 - 17:23

The Association of Investment Companies has collated investment company Isa recommendations from financial advisers for all ages.

Why Lloyds Banking is among top share tips in Europe

By: Lee Wild I Tue, 21st March 2017 - 15:09

It's had a good run recently, but Lloyds is one of this expert's top tips. Lee Wild also reveals the other nine UK-quoted shares which make the list.

12 value shares with earnings momentum

By: Lee Wild I Mon, 20th March 2017 - 13:59

History suggests buying stocks that are seeing earnings upgrades when valuations are this cheap. Lee Wild reveals the stocks this analyst would buy to play the theme.

Ten long-term holds for an ISA portfolio. Part 2: The final five...

By: Richard Beddard I Fri, 17th March 2017 - 15:42

Analyst Richard Beddard's final five ISA selections have highly profitable pasts and are 'probably good value'. Read on to decide whether you could live with them through thick and thin.

Ten long-term holds for an ISA portfolio: Part 1

By: Richard Beddard I Fri, 10th March 2017 - 14:44

In the first of a two-part series, analyst Richard Beddard names five great companies to use up your ISA allowance. Part 2 next week.

Five global funds that avoid style bias

By: Ceri Jones I Tue, 21st March 2017 - 10:22

Many global funds have a growth or value bias, but Ceri Jones finds that a more mixed and contrarian approach may be more suitable in the current environment.

Where we are investing our ISA allowances

By: Money Observer team I Tue, 14th March 2017 - 09:57

Team members at our sister site Money Observer reveal their investment choices for what looks certain to be a year of both opportunity and risk.

A trio of AIM growth shares for your ISA

By: Andrew Hore I Fri, 10th March 2017 - 14:21

Investors wanting to use up their ISA allowance might like these three suggestions from former AIM writer of the year Andrew Hore.

Three fund portfolios to provide a £10,000 annual income

By: Kyle Caldwell I Thu, 9th March 2017 - 10:05

Achieving a decent income from investments is easier said than done right now, but Kyle Caldwell has built three fund portfolios to generate a £10,000 annual income in 2017.

Best and worst ISA funds since 1999

By: Marina Gerner I Wed, 8th March 2017 - 10:04

Deciding where to invest your remaining ISA allowance? Marina Gerner reports on one expert's suggested starting point.

Insider: Time to catch these three fallers?

By: Lee Wild I Fri, 3rd March 2017 - 13:29

Three very different companies have come under pressure recently, forcing directors to start buying shares. Lee Wild reports.

Here's what investors would do with a £50,000 windfall

By: Lee Wild I Tue, 28th February 2017 - 13:20

How would you invest a £50,000 cash sum? We asked over 9,000 investors what they'd do in the current climate. Lee Wild has the answers.

A viable tip for your ISA

By: Alistair Strang I Thu, 23rd February 2017 - 10:34

There's something interesting about this share, thinks technical analyst Alistair Strang, who believes the odds of an upward move are good.

10 top AIM stocks for ISA season

By: Ben Hobson, Stockopedia I Wed, 22nd February 2017 - 15:02

Despite thrashing blue-chips in the past year, there are still some great small-caps worth buying. Stockopedia's Ben Hobson names the very best quality and momentum stocks on AIM right now.

A £4bn ISA candidate

By: Alistair Strang I Tue, 21st February 2017 - 11:33

For the longer term, this blue-chip looks 'quite encouraging', says technical analyst Alistair Strang. Expect some action soon.

Let ii help you make the most of your tax allowances

Use your personal allowances

With investment growth free of CGT and no income tax on investment income, an ii shares ISA can make good sense. And running your Shares ISA alongside another account with ii is equally good sense - there are no additional charges for an ISA and you can use your dealing commission credit in the ISA too.

Check out the ii ISA
Take full control of your retirement with an ii SIPP. While you are building up your pension pot you’ll pay an annual SIPP administration fee of £100 +VAT, in addition to the quarterly account flat fee charge - which includes £22.50 of dealing commission credit. You won’t find any percentage-based account charges eating into your retirement fund. Invest in funds, shares, ETFs, Investment Trusts and more - all at the same flat dealing fee of £10 per trade.

Find out more about an ii SIPP

invest for your children too

Give them a financial headstart with an ii Junior ISA. Whether investing regularly or paying in lump sums when you can, see their fund add up tax-free as your child grows. There’s no cost to add a JISA to your accounts.

Look into an ii Junior ISA

Bear in mind the risks
Whichever service is right for you, do remember that the value of the tax advantages will depend on your personal circumstances and may be subject to change. A SIPP is a type of personal pension best suited to those who wish to make their own investment decisions. You can normally only access the money in a pension from age 55 (57 from 2028). Funds contributed to a JISA belong to the child and cannot usually be accessed until age 18.

Please be aware of the risks involved. The value of investments, and any income from them, can fall as well as rise so you could get back less than you invest. If in any doubt as to whether a SIPP or any other service is right for you, please seek advice.

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