08 October 2015

The information contained within the following news articles have been pre published. The articles were published on the dates indicated and the information contained within these issues include references to taxation, legislation, regulation and other issues or concerns that may no longer apply

Make the most of your tax allowances and investments


As the end of the tax year approaches, we need to ensure you maximise the tax-efficient allowances available to you. There are various allowances available which can provide for the most tax-efficient methods of investing, but if your full allowances are not used within the tax year, some of them are lost for good.

We have listed below the main areas which need to be considered towards the end of the tax year.


  • Cash ISA £5,340 plus Stocks and Shares ISA £5,340 OR
  • Full Stocks and Shares ISA £10,680
  • Next year’s ISA allowance of £11,280 (£5,640 Cash)
  • Personal contributions to pensions – up to 100% of earnings subject to £50,000 maximum (although carry forward may be available)
  • Employer pension contributions – no limit but must be an amount commensurate with your salary package
  • 30% income tax relief for investment into Venture Capital Trusts
  • 30% income tax relief for investment into Enterprise Investment Schemes (plus possible reinvestment relief)


As you can see there are many different types of tax reliefs available for different types of investment.  Therefore it is important to speak to us early, to take advantage of a full review prior to the tax year end.  If you would like to consider any of the above please contact us on 028 9066 8700, as soon as possible to arrange a meeting.


Paul Dixon
Chartered Financial Planner


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