Tax-Efficient Investing
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760,000 Unclaimed Child Trust Funds: How to Find Yours for Free
Read more: 760,000 Unclaimed Child Trust Funds: How to Find Yours for FreeThe FCA says 760,000 matured Child Trust Funds are sitting unclaimed. Finding yours is free, needs no account, and takes about ten minutes. This explains how the search works, what happens to money nobody claims, why there is no deadline, and what the tracing firms charging up to £400 are actually selling.
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Capital Gains Tax UK 2026/27: Rates, the £3,000 Allowance and How to Cut Your Bill
Read more: Capital Gains Tax UK 2026/27: Rates, the £3,000 Allowance and How to Cut Your BillThe capital gains tax allowance has been slashed from £12,300 to just £3,000, pulling far more ordinary investors into the net. Here is how CGT works in 2026/27: the 18% and 24% rates, exactly what is taxable (and what is not), how to calculate a gain, the 60-day property reporting rule, and seven legitimate ways,…
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The 22% ISA Cash Charge from April 2027: What It Means for Investment-ISA Savers
Read more: The 22% ISA Cash Charge from April 2027: What It Means for Investment-ISA SaversFrom 6 April 2027 a flat 22% charge applies to interest earned on uninvested cash held inside a stocks and shares ISA or innovative finance ISA. It closes the workaround of using an investment ISA as a tax-free cash account, and it sits alongside the £12,000 cash ISA cap as the second anti-circumvention rule in…
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First Time Buyer ISA 2026: What the LISA Replacement Means for Savers
Read more: First Time Buyer ISA 2026: What the LISA Replacement Means for SaversOn 23 June 2026 the government published a consultation on a new First Time Buyer ISA that will, in time, replace the Lifetime ISA. It drops the age-40 limit and the 25% penalty and pays the bonus when you buy. But the bonus rate and the property price cap are still unconfirmed. Here is what…
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Lifetime ISA Complete Guide 2026: Bonus, Penalty and LISA vs Pension
Read more: Lifetime ISA Complete Guide 2026: Bonus, Penalty and LISA vs PensionThe Lifetime ISA hands you a 25% government bonus, up to £1,000 a year, towards a first home or retirement. But the 25% withdrawal penalty is harsher than it first looks, the £450,000 property cap has not moved since 2017, and for many savers a pension still wins. Here is exactly how the LISA works…
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FIRE Movement: The Complete 2026 Guide to Financial Independence and Early Retirement
Read more: FIRE Movement: The Complete 2026 Guide to Financial Independence and Early RetirementFIRE planning in 2026: the ACA subsidy cliff is back, Morningstar lifted the safe withdrawal rate to 3.9%, and the IRS pushed limits higher. FI number, healthcare bridge, Roth conversion ladder, and five interactive calculators.
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Tax-Loss Harvesting Strategy Guide (2026): Complete US & UK Implementation for DIY Investors
Read more: Tax-Loss Harvesting Strategy Guide (2026): Complete US & UK Implementation for DIY InvestorsCrystallise capital losses without tripping the US wash-sale rule or the UK 30-day bed-and-breakfasting restriction. 2026 figures, the ETF pairs that actually work, when automated services beat DIY, and the ten mistakes that quietly destroy most harvesters’ tax benefit.
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ISA vs SIPP: The Complete 2026/27 UK Comparison Guide
Read more: ISA vs SIPP: The Complete 2026/27 UK Comparison GuideISA or SIPP for 2026/27? Higher dividend tax tilts the maths toward ISAs this year, and April 2027 will bring pensions inside the IHT estate. Compare tax relief, access rules and inheritance planning, with an interactive calculator.
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