We explain tax on isas and investments in plain English, handle it correctly, and make sure you claim every relief you are entitled to, all at a fixed fee.
Tax on ISAs and Investments
ISAs let your savings and investments grow completely tax-free, no tax on interest, dividends or gains, while investments held outside an ISA are subject to tax once you exceed the various allowances, so using your ISA allowance well matters.
We help you make the most of your tax-free ISA allowance, work out the tax on investments held outside an ISA, and use strategies like Bed and ISA to move taxable holdings into the tax-free wrapper, minimising your investment tax.
Everyone has a £20,000 annual ISA allowance in which all growth, income and gains are tax-free, so sheltering investments there, and moving taxable holdings in over time, is one of the simplest ways to reduce investment tax.
The Detail That Matters
ISAs let your savings and investments grow completely tax-free, no tax on interest, dividends or gains, while investments outside an ISA now attract tax far sooner after cuts to the allowances. Using your ISA well is one of the simplest ways to cut investment tax.
You can put up to £20,000 a year into ISAs, where all interest, dividends and capital gains are entirely tax-free and never need declaring, a genuinely simple and powerful shelter.
With the dividend allowance cut to £500 and the CGT exemption to £3,000, investments held outside an ISA attract tax far sooner than before, so sheltering them is more valuable than it used to be.
You can sell holdings held outside an ISA and rebuy them inside it, within your annual allowance, to shelter future income and gains, managing any CGT on the sale as you go.
A couple can shelter £40,000 a year between two ISAs. We plan contributions and Bed-and-ISA transfers to move taxable holdings into the wrapper efficiently.
With allowances slashed, investments outside an ISA now generate tax that the wrapper would have removed entirely, yet many investors leave holdings unsheltered and pay avoidable tax year after year.
Key Figures
How We Help
We help you use your £20,000 annual ISA allowance so your savings and investments grow free of Income Tax and Capital Gains Tax.
We work out the tax on interest, dividends and gains from investments outside an ISA, using your allowances so you pay only what you must.
We use strategies like Bed and ISA to move taxable holdings into the tax-free wrapper, reducing future tax on income and gains.
All the forms, calculations and correspondence handled on your behalf, so you never have to decode HMRC's rules or sit on hold.
A clear fixed fee quoted after a free call, your position explained in plain English, and never a surprise bill.
We act quickly, and where earlier years are involved we put those right too, reclaiming refunds or minimising penalties.
With the dividend and capital gains allowances slashed, investments held outside an ISA now attract tax far sooner, so using the ISA wrapper and moving holdings in is more valuable than ever. We help you do it efficiently.
Recent Client Outcome
An investor held shares outside an ISA and, with the shrunken allowances, was now paying dividend and capital gains tax on them.
What we did. We used a Bed-and-ISA strategy to move holdings into their ISA within the annual allowance, managing the CGT on the sale, and made sure their remaining taxable investments used their allowances.
The outcome. Future income and gains on the sheltered holdings became tax-free, reducing their ongoing investment tax, and the transfer was made within the annual limit.
Moving holdings into the ISA wrapper removed the tax the shrunken allowances had started to create.
Why People Come to Us
Questions Answered
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Or email info@yourtaxhelp.co.uk, we typically respond within two business hours.
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