Savings

Should you get your child a Jisa?

Child putting money in a piggy bank © Getty Images

If you have any money left over once you’ve used up your tax-free allowances, you could consider a junior Isa for your children. But keep an eye on normal children’s savings accounts too.

VCTs, EIS and SEIS: tax relief for brave investors

If you can stomach the risk involved in backing a company in its early stages, consider VCTs, the EIS and the SEIS. Generous tax breaks are on offer.

Shares Isas: protect your assets from the taxman

Escape capital-gains and dividend taxes on investments ranging from stocks to corporate bonds with a shares Isa. Here’s how to find one that suits you.

Isas: Where to stash your cash

If you put your savings in a cash Isa, you will never be liable for tax, regardless of how much interest you accumulate. Here is an overview of the top rates available.

IF Isas: look beyond stocks and bonds

You can now put a wide range of alternative investments  in the tax-free wrapper, with the Innovative Finance Isa, (IF Isa). But tread carefully.

London Capital & Finance: mini-bond investors lose their savings

The plight of investors misled by London Capital & Finance is a warning to be on your guard.

Peer-to-peer: cutting out the middleman could cost you

There are a vast array of peer-to-peer lending sites. That’s why you need a company to help research and collate the ones that might suit you.

The default option will cost you money: always opt out

Making the effort to move your money from your financial provider’s default settings could make you significantly better off, says Merryn Somerset Webb.

Innovative Finance Isas available to invest in now

Innovative Finance Isas have been around since April 2016, but are only now becoming widely available. Here, we present a comprehensive list of IFIsas available to invest in now.

Easy ways to save cash

Devote an afternoon to some simple money administration, and you could make a big difference to your finances over the year.

Lisas limp on, but savers are missing out

Lifetime individual saving accounts have hardly been a roaring success. In the 2017-2018 tax year, the average contribution was £3,114 per account, £400 lower than expected.

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