The tax benefits of ISAs

All ISAs allow you to save and invest without paying UK income or capital gains tax.

While most savers won’t pay tax on interest in regular bank or building society savings accounts, if you have a sizeable savings pot, ISAs could potentially save you quite a lot in tax.

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Rates of tax Basic rate tax payer Higher rate tax payer Additional rate tax payer ISA investor
Capital gains on most investments (in excess of the £12,300 annual allowance) 10% 20% 20% 0%
Capital gains on most investments (in excess of the £12,300 annual allowance) 10% 20% 20%
Capital gains on most investments (in excess of the £12,300 annual allowance) 10% 20% 20%

Tax rules can change and benefits depend on individual circumstances.

*This example assumes an individual has fully used their personal allowance and none of the interest falls within the starting rate for savings.

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Provider fees can be hampering your pension

Pension provider fees can make a significant difference in the amount of money you can enjoy in retirement. The difference between 2% and 0.5% may look small. Still, in terms of impact on your pension funds, it could be the difference between a comfortable or a challenging retirement.

Our pension fee calculator can show you the vast differences pension provider fees can make over time on your pension. Enter your current pension value, your age and the age at you wish to retire, and see the difference fees can make.

Would like to get a personalised forecast? Speak with our pension specialists today and start your pension assessment.

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* Performance calculated using fixed 5% growth rate and monthly compound interest. The examples shown are for representative purposes only and should not be used as a pension forecast or advice.

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Important information: Our website offers information about investing and saving, but not personal advice. If you’re not sure which services are right for you, please request advice from Hilltop’s financial advisers. Remember that investments can go up and down in value, so you could get back less than you put in.

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As soon as you give us authority to work on your behalf, our team will get started analysing your pensions to produce an in-depth report and assess against the market.

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Your financial adviser will deliver their assessment and ensure you fully understand the advice given. Now you will be able to make informed decisions about your future.

Important information: Our website offers information about investing and saving, but not personal advice. If you’re not sure which services are right for you, please request advice from Hilltop’s financial advisers. Remember that investments can go up and down in value, so you could get back less than you put in.

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Why should I think about my pension?

It’s always highly advisable to spend time speaking with a professional adviser and researching pension schemes in order to select the pension fund that will best meet your needs in retirement. There are specialist schemes for those who are in employment, those who are self-employed, those who’d prefer to receive their payouts by way of an annuity, those who would benefit more from a drawdown… the list goes on.

By carefully selecting the right pension, you’ll be able to make your money work as effectively as possible over the years, which means you’ll be heading for a comfortable and easy retirement. Along with the standard considerations when it comes to choosing a pension, Hilltop Finance also recommends seeking out a fund that supports your ethics. Find out more here with our guide to Ethical Pensions.

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