Tax-Year End
Tax Year-End
Developing smart tax habits can help you get closer to your financial goals – whether that’s securing your family’s future, retiring comfortably, or passing on your wealth in a tax-efficient way.
By making the most of your tax reliefs and allowances before the tax year ends on 5 April 2026, you can reduce your tax bill and grow your savings.
Responsible Investing
Not sure where to start? Our Tax Year-End Booklet breaks it down for you. In just 15 minutes, you’ll learn:
- Which ISA suits you best
- How to make the most of tax benefits
- Why regular pension contributions matter
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief is generally dependent on individual circumstances.
Because the right moves now shape your future
Start small, think long-term. These everyday actions can lead to a more secure, flexible future.
A little pain today, potential gain tomorrow
Making smart financial decisions today – like maximising your ISA allowance – can set you up for long-term success.
Big wins start with small goals
Good tax planning doesn’t have to be complicated. Taking advantage of reliefs and allowances now can support your future growth.
Take time for what matters
Putting time into your retirement planning today will give you more freedom and flexibility when the time comes.
Eat. Sleep. Save. Repeat.
Just like healthy habits, setting aside even small amounts regularly can build a stronger financial future for you and your family.
A little heavy lifting is worth the effort
Making the most of your pension allowances now can help your savings stretch further in retirement.
Invest a little time to get the best results
Tax planning today helps secure your legacy for tomorrow.
Make your money work harder for you
- ISAs: Save up to £20,000 per year in an ISA or £9,000 in a Junior ISA. ISAs offer tax-efficient returns, but unused allowances don’t roll over, so consider maximising your contributions before 5th April.
- Pensions: Pensions offer Income Tax relief, making them one of the most effective ways to save for the future. This tax year (until 5th April), you can contribute subject to certain allowances:
- Up to 100% of your relevant earnings, capped at the personal allowance.
- £3,600 if you earn less than this.
- Capital Gains Tax (CGT): CGT rules can be complex, and many people either overpay unnecessarily or miss deadlines and face fines. Planning ahead can help you reduce your CGT liability.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief is generally dependent on individual circumstances.
Let’s Talk
Whatever your financial goals, we’re here to help. Get in touch to discuss your plans and how we can support you.
"*" indicates required fields
