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.
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.
Companies analyst Richard Beddard picks 10 shares to buy and hold, not just for the next tax year, but indefinitely.
Savers now have six different types of ISA to consider as a home for their cash. Here, we give you the lowdown on how each works.
A group of politicians and savings experts are calling for a complete overhaul of the ISA system. Marina Gerner reveals their big idea.
Rich FTSE 100 stocks turn the heads of income seekers, but interactive investor's former AIM writer of the year Andrew Hore believes these AIM stocks offer a valuable alternative income stream.
It's not always easy to generate a decent sustainable income from smaller portfolios, so Jennifer Hill asked the experts how it's done.
Our contributors run through where they are planning to invest through a range of asset classes. There's food for thought for investors of all persuasions.
Woodford Patient Capital is back, while Carlos Hardenberg's departure from Templeton Emerging Markets has spooked investors. Tom Bailey looks back at last month's top performers.
With just a month to go until tax year-end, Marina Gerner rounds up sensible strategies for investors who want to minimise the tax they pay and maximise their tax-efficient savings.
Deadlines and allowances for 2017/18
|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 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||£4,128 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|
Tax year end is fast approaching
Make the most of your 2017/18 allowance.
It only takes a few minutes to apply for an ii ISA
Have you set up a Junior ISA yet?
- £4,128 allowance for 2017/18
- No account fee
- Choose from a wide range of investments