How ‘Bed & ISA’ could save you £15,000 over a decade

Moving your investments into a tax-free wrapper through ‘Bed & ISA’ transactions could save you thousands over the long run by cutting your tax bill

Woman managing her personal finances
(Image credit: Alistair Berg Getty Images)

‘Bed & ISA’ – it’s a strange name but a useful transaction that could cut your tax bill significantly. Getting clued up on how it works is particularly important in light of recent tax hikes.

In the Autumn Budget, chancellor Rachel Reeves announced changes to capital gains tax (CGT) rules – part of an attempt to balance the state’s books and fund spending and investment plans.

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Katie Williams
Staff Writer

Katie has a background in investment writing and is interested in everything to do with personal finance, politics, and investing. She enjoys translating complex topics into easy-to-understand stories to help people make the most of their money.

Katie believes investing shouldn’t be complicated, and that demystifying it can help normal people improve their lives.

Before joining the MoneyWeek team, Katie worked as an investment writer at Invesco, a global asset management firm. She joined the company as a graduate in 2019. While there, she wrote about the global economy, bond markets, alternative investments and UK equities.

Katie loves writing and studied English at the University of Cambridge. Outside of work, she enjoys going to the theatre, reading novels, travelling and trying new restaurants with friends.