Curiously, while we resent having to hand over money to Her Majesty’s Revenue & Customs, many of us just don’t do enough to reduce our tax liability. Whether through apathy or confusion, in 2006 UK adults paid £7.6 billion in unnecessary taxes.* This includes investors who paid more Capital Gains Tax, Stamp Duty or income tax on their investment income than they needed to simply because they didn’t give enough thought to tax-efficiency.

The good news is that we have tax allowances, which enable us to shelter investments from the HMRC. Understanding what they are and taking advantage of them could substantially increase the return on your investments.

The opportunities

• Accounts offering tax benefits
You can put up to £7,200 a year into a Stocks and Shares ISA without paying income tax on any interest generated or Capital Gains Tax (CGT) on any growth when you sell your shares.* And contributions to a Self Invested Personal Pension (SIPP) attract tax relief at your marginal rate of tax (subject to annual and lifetime limits); what’s more, any return on assets held within a SIPP is also tax free – which is good news for you if you’re a higher rate taxpayer.

• Products with in-built tax advantages
You pay no UK stamp duty when you trade Contracts For Difference (CFDs), and while profits are subject to CGT, losses can be offset against tax.** With Financial Spread Trading, you also pay no UK stamp duty – and profits are CGT free.***

• Invest at the beginning of the tax year
Opening your Investment ISA at the start of the new tax year means that your investments will enjoy the maximum period of tax benefit.

Investment ISA

You can invest up to £7200 in your ISA this tax year. Have you taken advantage of your ISA allowance? Please note that tax treatment depends on your individual circumstances and that tax laws may change.

Open an Investment ISA today 

For further information about ISAs and their tax benefits view our new online seminar.

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Investment ISA     Be in control of your ISA investments with an Investment ISA. Find out more   Apply Now		Financial Spread Trading     Speculate on the future price movements of a wide range of investments. Find out more Apply Now
SIPP     Enjoy the tax benefits of a traditional pension while making your own investment. Find out more Apply Now		CFDs     Profit from short-term price fluctuations or protect yourself against the fall in share prices. Find out more Apply Now

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