Your savings and investments

Article Abstract:

Investment income is treated in one of three ways in the UK for tax purposes. In some cases, it is taxable but paid gross, and tax must therefore be paid on the income unless the individual is not a taxpayer. In others it is taxed already, while in others it is tax-free. Investments which are tax-free include Tax Exempt Special Savings Accounts, personal equity plans, National Savings Certificates, the enterprise investment scheme and National Savings Children's Bonus Bonds.

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Your savings and investments

Article Abstract:

Choosing the most tax-efficient savings and investments will depend on the individual's tax status, how any income is taxed and how any gains are taxed. Investment income is treated as taxable but paid gross, taxed or tax-free. Tax-free investments include personal equity plans, National Savings Certificates and Tax Exempt Special Savings Accounts. Taxable investments include some National Savings products and offshore bank and building society accounts.

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Guaranteed investments: a risk-free way to invest in the stock market sounds like a great idea. But guaranteed investments are not as good as they seem

Article Abstract:

Guaranteed investments provide an assurance that an investment will return a certain minimum percentage or will provide a set minimum income. Most products use derivatives that allow the company to protect capital. However, the potential growth benefits are not as good as they seem as there are no dividends from shares. Money often cannot be withdrawn without penalty and there is still a risk that some of the original investment may be lost.

Purchasing, Guaranteed investment contracts

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