Saving and investing

Some of the available opportunities for your savings and investments.

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VCT, EIS and SEIS

This section provides an analysis of the tax reliefs afforded by venture capital trusts, the enterprise investment scheme, and highlights the important differences between the individual schemes. Find out more

Tax on savings income

Savings income (which includes all types of interest) is paid gross without deduction of income tax. The personal savings allowance provides a nil rate of tax on the first £1,000 of savings income for basic rate taxpayers and £500 for higher rate taxpayers, with none available to additional rate taxpayers. If your only taxable income arises from savings income, or your other income is very small the amount liable to 0% tax may be as high as £5,000. Find out more

Tax-efficient investments

Including ISAs, pension contributions, enterprise investment scheme (EIS), seed enterprise investment scheme (SEIS) and venture capital trusts (VCTs). Find out more

ISAs and the Lifetime ISA

An ISA is a tax-free investment vehicle. When you invest your savings, shares or life insurance, as well as all authorised retail investment schemes and UK Real Estate Investment Trusts into an ISA, your income and gains from the investments are free from income tax and capital gains tax. Find out more

ISA allowances

Details of investment maximums for ISAs, the Junior ISA and the Lifetime ISA. Find out more

Capital gains tax EIS deferral relief

Tax relief for re-investment of gains in qualifying schemes was introduced to stimulate investment in small businesses, and was incorporated into the enterprise investment scheme (EIS), as EIS deferral relief. Find out more

Building your wealth

Making your savings grow and being able to retire when and how you want is one of your most important financial objectives. But achieving this goal takes planning and perseverance. Find out more

Alternative investments

When it comes to investing, there is more to life than ISAs, stocks and shares. Alternative investments have risen in popularity in recent times, especially among those who have money to invest and do not wish to invest in the stock market or property. Find out more