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Tax-Efficient Investments

If you save or invest money, you'll generally have to pay tax on any interest or income you get, but there are ways of investing that give you a more efficient, or even tax-free, return.

ISAs

Stocks and Shares ISAs allow you to buy and sell shares without having to pay any further Income Tax or Capital Gains Tax (CGT) on any income and/or growth.

The annual allowance for the 2017/18 tax year is £20,000, up from £15,240.

Our Discretionary Managed Service and Value Investment Portfolio Service use ISAs to maximise the tax efficiency of the portfolios through generating potentially tax-free income and sheltering gains from CGT.
Find out more about ISAs »

Junior ISAs

A Junior ISA (JISA) is a tax-efficient savings and investments account that allows parents, other family members and friends to contribute, save and invest for a child. Find out more about JISAs »

Pensions

Redmayne-Bentley offer investment services for a wide range of pension types including Self Invested Personal Pensions (SIPPs), Small Self-Administered Schemes (SSASs), Qualifying Retirement Overseas Pension Scheme (QROPS), Funded Unapproved Retirement Benefit Schemes (FURBS) and small company schemes. Find out more about Pensions »

Inheritance Tax Portfolio

The Inheritance Tax (IHT) Portfolio Service is designed to help limit the effect of inheritance tax without limiting access to and ownership of your capital. By taking advantage of Business Property Relief (BPR) on qualifying shares listed on the Alternative Investment Market (AIM) you can claim 100 per cent tax relief once the individual qualifying stocks have been held for two years. Find out more »

Venture Capital Trusts

Venture Capital Trusts (VCT) offer income tax relief of 30 per cent when invested at subscription, subject to a maximum investment of £200,000, while minimums are usually around £3,000 - £5,000.
Find out more »

Info Point

Capital Gains Tax (CGT)

CGT is payable on the sale or disposal of an asset. The CGT annual allowance for the 2017/18 tax year is £11,300. Gains are treated as the 'top slice' of an individual's income and taxed at marginal rates, the rate has been held at 10 per cent up to the higher rate threshold and 20 per cent on amounts above.

Investments and income arising from them can fall as well as rise in value and you may get back less than you originally invested.

Tax treatment depends on the specific circumstances of each individual and may be subject to change in the future.

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