Tax Strategy
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New government and your money: what has changed since July, and what has not
Read more: New government and your money: what has changed since July, and what has notAndy Burnham became Prime Minister on 20 July 2026 and John Healey Chancellor. Eleven weeks on, one tax cut is in force, several changes have dates, and the main tax and savings allowances have not moved. The figures, before the 28 October Budget.
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The State Pension is about to overtake the personal allowance. The government says you still will not pay.
Read more: The State Pension is about to overtake the personal allowance. The government says you still will not pay.From April 2027 the full new State Pension is on course to pass the frozen personal allowance for the first time. The government has promised that pensioners with no other income will not pay tax on it. The promise has a carve-out, and the figure is not final until October.
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British Savings Bonds at 5.17%: what NS&I’s five-year rate is telling you, and the tax bill waiting at the end
Read more: British Savings Bonds at 5.17%: what NS&I’s five-year rate is telling you, and the tax bill waiting at the endNS&I raised its fixed-term British Savings Bonds on 6 October 2026, after rises on 31 July and 18 August. The five-year now pays 5.17% on the Growth option. Rates are one thing; a rule most coverage skips is another: on the Growth option, five years of interest counts as taxable income in the single tax…
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Trump Accounts have launched: the $1,000 newborn deposit and how they work (2026)
Read more: Trump Accounts have launched: the $1,000 newborn deposit and how they work (2026)Trump Accounts opened on 4 July 2026. Eligible US children born 2025 to 2028 receive a $1,000 government deposit; families can add up to $5,000 a year into low-cost index funds, and a new IRS safe harbor keeps most family gifts free of gift-tax paperwork. Since 1 October 2026 every eligible child has an account…
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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 Roth Conversion Ladder (2026): The Early-Retirement Tax Strategy, Step by Step
Read more: The Roth Conversion Ladder (2026): The Early-Retirement Tax Strategy, Step by StepThe Roth conversion ladder is the strategy that lets early retirees tap their retirement accounts years before age 59½ without the 10% penalty, while paying tax at their lowest-ever rates. Here is how the ladder works, the all-important 5-year rule, how to use the 2026 brackets and standard deduction to convert cheaply, the ACA and…
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When to Claim Social Security: 62 vs 67 vs 70 (2026 Break-Even Guide)
Read more: When to Claim Social Security: 62 vs 67 vs 70 (2026 Break-Even Guide)Claim Social Security at 62 and you lock in a permanently smaller check; wait until 70 and every year of delay adds about 8%. The right age is not the same for everyone. Here is the 2026 break-even math, how delayed retirement credits and the earnings test actually work, what your decision means for a…
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Required Minimum Distributions (RMDs) 2026: Age 73/75 Rules, Tables and the Penalty
Read more: Required Minimum Distributions (RMDs) 2026: Age 73/75 Rules, Tables and the PenaltyRequired minimum distributions are the IRS’s way of finally taxing the retirement savings you have deferred for decades, and SECURE 2.0 changed the rules. Here is who must take an RMD in 2026, the age 73 and 75 thresholds, how to calculate the amount, the costly first-year timing trap that catches new retirees, and the…
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Inherited IRA Rules 2026: The SECURE Act 10-Year Rule Explained
Read more: Inherited IRA Rules 2026: The SECURE Act 10-Year Rule ExplainedIf you have inherited an IRA, the rules changed dramatically under the SECURE Act. Most non-spouse beneficiaries must now empty the account within 10 years, and since 2025 many also face annual required withdrawals along the way. Here is exactly who the 10-year rule applies to, who is exempt, how Roth IRAs differ, and how…
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Triple Tax-Advantaged Accounts: The Complete US Guide (HSA, and What Else Counts)
Read more: Triple Tax-Advantaged Accounts: The Complete US Guide (HSA, and What Else Counts)The HSA is the only mainstream US account with three layers of tax protection. Why Roth IRAs, traditional 401(k)s, and 529 plans don’t count, what the 2026 HSA contribution limits are, and the investment-HSA strategy that turns it into a stealth retirement account.
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