Tax-efficient investing

Managing your tax exposure to make your money work harder 

We all know it makes sense to invest our money with clear objectives and a sound strategy in mind. But over time, it’s easy for your money – often spread across multiple pension pots, savings and investments – to become ‘lost’ in a flurry of paper statements and online platforms you rarely look at.

With the help of an Amber River financial planner, you can quickly regain greater clarity, control and direction over your investment portfolio and keep your investment strategy on track.

Common tax-efficient investments

There are a number of ways to invest tax-efficiently. Two of the most common ways use tax-efficient wrappers like pensions and Individual Savings Accounts (ISAs). 

Pensions generally enable your money to grow tax-free. You also receive ‘tax relief’ in the form of a government top up, in addition to your own contributions (which are limited to £40,000 per year). ISAs are tax-efficient because any growth on your ISA investment won’t be subject to tax – although you are limited to investing a maximum of £20,000 per tax year.

If you’re willing and able to take more risk with your money, you could also consider Venture Capital Trusts (VCTs), the Enterprise Investment Scheme (EIS) and the Seed Enterprise Investment Scheme (SEIS). All three are government-backed, and aim to help smaller companies find investment in return for generous tax benefits to investors. However, they will only be appropriate for certain types of investors who are willing and able to risk the total loss of their investment, in return for the tax advantages they offer.

Over time, a tax-efficient investment strategy, combined with ongoing reviews, can make a significant difference to your overall wealth and quality of life. That said, the value of investments – including pensions – can fall as well as rise, and you may not get back the full amount you invest, so it’s essential to seek professional financial advice before making any investment decisions.

Together, we’ll devise an approach that makes more of your money in your given timeframes without exposing it to risks you’re uncomfortable with, or can’t afford to take. Remember, investments can go down as well as up and you may not get back the amount invested.

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