Aspects of investments and investing

We are all looking to maximise the return on our investments.

For tips on how to make the most of your investments and information about tax-efficient schemes, visit the guides below. Tax relief can enhance the ability of an investment to realise a higher rate of overall return.

We have a range of calculators designed to help you consider what your wealth might be in the future, including our Millionaire calculator.

  • Savings calculator - find out by how much your savings will grow
  • Millionaire calculator - inspired by the TV programme, a return of 3% (ignoring inflation) £1 million pounds could provide gross income of £2,500 per month.
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.
Throughout life, from childhood to retirement, circumstances and priorities change. At every stage it is important to make well-informed decisions to ensure that you and your family are following the best strategies for achieving your goals.
For many people their retirement plans have been devastated by various falls in stock markets, low annuity rates and the lack of growth in the buy-to-let marketplace. How will the removal of the requirement to buy an annuity affect you? Many may question what chance there is of a 'comfortable retirement'?
At one time, investing in buy-to-let properties was seen as a sure fire way to achieve long term growth. Some investors, deterred by the ups and downs of the stock market, invest in property.
Details of investment maximums for ISAs, NISAs and the Junior 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/NISA, your income and gains from the investments are free from income tax and capital gains tax. The higher investment allowance into a NISA of £15,000 commenced on 1 July 2014.
These schemes provide considerable tax reliefs, although, as ever, professional advice must be sought before making investments that qualify for these reliefs.
When it comes to investing, there is more to life than NISAs, 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.
Including NISAs, pension contributions, enterprise investment scheme (EIS), seed enterprise investment scheme (SEIS) and venture capital trusts (VCTs).
Savings income (which includes all types of interest) paid net is taxed usually at source at 20%. Dividends on UK  equities carry a (non repayable) tax credit of 10%. The intention is that only higher rate taxpayers should have to pay any additional tax, although 'starting rate' and non-taxpayers may be entitled to claim a tax refund.
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.