Whether you're saving for life in retirement or want to save money for long-term goals, our guides, products and tools can help you save efficiently for the future. From Stocks & Shares Individual Savings Account (ISA) to personal pensions there's a range of options for your needs.
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Pensions are a tax-efficient way to save for retirement. We can help you get a pension plan, prepare for retirement, and understand the ways you can take your pension money when you come to retire.
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Our helpful articles are full of tips and information to help you make the most of your money. Whether you're starting to save for life's big moments or you're getting close to retirement, there's something for everyone.
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Understanding investments and ways to save smarter
Manage your money with these tools and calculators
Save money for retirement and your long-term goals
Invest money flexibly with a range of investment options
Understanding pensions and planning for retirement
See if your pension savings are on track and more
Understand the different types and what you can do
Explore ways to take your savings at retirement
Get started with financial advice
Find out how you could benefit from working with a financial adviser
Speak to one of our specialist retirement advisers
Get professional advice from 1825, our financial planning business
Tips to help you start saving for big life moments and ways to keep on track with your goals
Find out how to make the most of your regular income with these helpful money guides
Learn more about retirement planning and how to take your life savings
Need to speak with us? Find the best way to contact us.
Find out how we can support a range of your needs
Learn more about our services and manage your account
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Pensions and ISAs are both tax-efficient ways to save money for the future. Read on to find out why and what this could mean for your money.
When you save or invest money into an ISA, any interest or investment growth you get is tax efficient. You also don't have to pay any tax on money you take out of an ISA.
However, there is a limit on how much you can save or invest in an ISA each tax year, known as the annual ISA allowance. For 2020/2021 this is £20,000.
You can put all your money into one type of ISA or you can split your money between different types. For example, you could save £5,000 into a Cash ISA and invest £15,000 in a Stocks & Shares ISA.
You can learn more about ISAs, apply for an ISA and more here:
Investing in a pension plan gives you the following tax advantages:
You can find out more about how pensions work, tax relief and more in our pensions basics guide:
You can also download a factsheet about how pension tax relief and limits work here:
Inheritance tax may be due on your restate when you pass away. We've provided a link below to the Government's site where you can find out more about this.
You can get more information about pension plans and Stocks & Shares ISAs, and what they could mean for your long-term savings.