The new tax year brings fresh annual allowances for ISAs and SIPPs. While it always makes sense to invest in a tax-efficient manner, the mantra of ‘use it or lose it’ has arguably never been as important. This is because from the start of the next tax year (6 April 2027) major changes come into force, with unspent pension funds subject to inheritance tax, a reduction in the cash ISA annual allowance to £12,000 for those under the age of 65, and savings tax rates increasing.
To discuss the changes and how people can use this tax year to plan ahead, Kyle is joined by Craig Rickman, personal finance editor at interactive investor.

Kyle Caldwell is Funds and Investment Education Editor at interactive investor.

On The Money is an interactive investor (ii) podcast. For more investment news and ideas, visit www.ii.co.uk/stock-market-news.

Important information:
This podcast is intended for information purposes only and is not a personal recommendation. Past performance is not a guide to future performance. The value of your investments may go down as well as up, and you may not get back all the money that you invest. Full performance information can be found on the company or index summary page on the interactive investor website.

The ii Personal Pension (SIPP) is for people who want to make their own decisions when investing for retirement. Usually, you won’t be able to withdraw your money until age 55 (57 from 2028). If you are in any doubt about the suitability of the ii Personal Pension (SIPP), Stocks & Shares ISA, Trading Account, and/or any related tax treatment of these products, you should seek independent financial advice.

Interactive Investor Services Limited is authorised and regulated by the Financial Conduct Authority.

With just days until this tax year ends and a new one begins, the focus for this week’s episode is on the increasing number of ISA millionaires and how you can join them. To discuss how ISA millionaires invest, the steps taken to achieve the milestone, and what to consider when weighing up ISAs and SIPPs, Kyle is joined by Craig Rickman, personal finance editor at interactive investor.

In this episode, Kyle mentions a recent article about the best-performing funds and investment trusts since ISAs were launched on 6 April 1999. You can read it here: Best-performing funds and sectors since ISA launch in April 1999

Kyle Caldwell is Funds and Investment Education Editor at interactive investor.

On The Money is an interactive investor (ii) podcast. For more investment news and ideas, visit www.ii.co.uk/stock-market-news.

Important information:
This podcast is intended for information purposes only and is not a personal recommendation. Past performance is not a guide to future performance. The value of your investments may go down as well as up, and you may not get back all the money that you invest. Full performance information can be found on the company or index summary page on the interactive investor website.

The ii Personal Pension (SIPP) is for people who want to make their own decisions when investing for retirement. Usually, you won’t be able to withdraw your money until age 55 (57 from 2028). If you are in any doubt about the suitability of the ii Personal Pension (SIPP), Stocks & Shares ISA, Trading Account, and/or any related tax treatment of these products, you should seek independent financial advice.

Interactive Investor Services Limited is authorised and regulated by the Financial Conduct Authority.

In another ISA-focused episode ahead of tax year end, Kyle is once again joined by Dave Baxter, senior fund content specialist at ii, to discuss how to review a portfolio. As well as examining the benefits of rebalancing, we run through key considerations when you’re deciding whether to keep the faith or sell a fund, investment trust or ETF.

Kyle Caldwell is Funds and Investment Education Editor at interactive investor.

On The Money is an interactive investor (ii) podcast. For more investment news and ideas, visit www.ii.co.uk/stock-market-news.

Important information:
This podcast is intended for information purposes only and is not a personal recommendation. Past performance is not a guide to future performance. The value of your investments may go down as well as up, and you may not get back all the money that you invest. Full performance information can be found on the company or index summary page on the interactive investor website.

The ii Personal Pension (SIPP) is for people who want to make their own decisions when investing for retirement. Usually, you won’t be able to withdraw your money until age 55 (57 from 2028). If you are in any doubt about the suitability of the ii Personal Pension (SIPP), Stocks & Shares ISA, Trading Account, and/or any related tax treatment of these products, you should seek independent financial advice.

Interactive Investor Services Limited is authorised and regulated by the Financial Conduct Authority.