Inspiration for your ISA
Inspiration for your ISA
Whether you are looking for inspiration for this year's ISA allowance or you are reviewing your portfolio, we have lots of expert opinions, investment ideas, news, and analysis. We also have a very handy table with all of the deadlines and allowances for this tax year.
Jennifer Hill examines which tax shelter works best at different life stages and which trusts advisers suggest.
Looking for new ISA ideas? Marina Gerner takes a look at the funds that other investors are buying.
Given many more investors are falling into the inheritance tax trap, former AIM writer of the year Andrew Hore suggests six great AIM shares to help with your tax planning.
With the new tax year now underway, analyst Dzmitry Lipski explains how investors can pick the best funds to diversify their ISA portfolios.
The power of earnings surprises is undeniable, so Stockopedia's Ben Hobson has screened the market for small and mid-cap shares with greatest potential for positive shocks.
With AIM trading volumes having soared in recent years, sector expert Andrew Hore tells us why investors should consider AIM stocks when building their ISA.
Investors looking for international diversification and protection from the UK economy can do it with the FTSE 250, argues Stockopedia's Ben Hobson. Here are 10 great ideas.
The manager of this outperforming higher income portfolio believes his fund selections will "stand us in good stead". Holly Black reveals why he's buying a Woodford fund.
With the end of the tax year drawing near, leading financial advisers name some last-minute investment trust ideas.
A year ago we came up with three Rated Fund portfolios to generate an annual income of £10,000. Kyle Caldwell tells us how they did.
Deadlines and allowances for 2018/19
|To get you started, here's a reminder of the 2018/19 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 unused allowance from the past three years.||The annual allowance falls to £10,000 once you start drawing on your pension.|
Find out more about SIPP contributions here.
|Junior ISA||£4,260 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||£2,000||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||£11,700|
How to squeeze the most out of your ISA
Have you set up a Junior ISA yet?
- £4,260 allowance for 2018/19
- No account fee
- Choose from a wide range of investments