Accounts explained

Accounts overview

The value of investments can fall as well as rise and you could get back less than you invest. If you're not sure about investing, seek independent advice.

Accounts overview

With a Smart Investor account you get access to thousands of investment opportunities as well as essential resources to help you become a smarter investor. Each account offers different features, so make sure you choose the right one based on your investment goals.

Investment ISA

Consider making the most of your tax-free £20,000 ISA allowance before you open any other sort of account. In the 2018-19 tax year, you can split your allowance between a cash, investment, innovative finance and a lifetime ISA.1 However, with a lifetime ISA, you can only pay in up to £4,000 of your £20,000 allowance. Alternatively, you could use your full £20,000 allowance with a Barclays Investment ISA.

You would benefit from sheltering your investment returns from income tax, tax on dividends and capital gains tax (CGT), and enjoy access to a wide range of investments including shares, bonds, funds and more.

It’s worth noting, however, that if you invest outside an ISA, you won’t necessarily have to pay any tax, as long as your dividends don’t exceed the Dividend Allowance, or any interest from cash, funds, gilts or bonds aren’t higher than the Personal Savings Allowance.

Only profits made above the annual CGT allowance, which for the 2018-19 tax year is £11,700 will be subject to CGT at 10% or 20% depending on your tax band.

Investment Account

Once you use up your ISA and pension allowances, you can continue to invest by opening an Investment Account with us. You can open one yourself or jointly, for example with a spouse, and it gives you access to an even wider range of investments. You may have to pay income tax and capital gains tax (CGT) on your returns, though , if they exceed the Dividend Allowance, Personal Savings Allowance or CGT allowance.

SIPP Accounts

If you're an experienced investor who wants to decide how your savings are invested, choose our Pension Account. Like an Investment ISA, you enjoy access to a variety of investments which are sheltered from tax. And, of course, you can still take advantage of the generous tax relief available to all pension savers.

Tax laws are subject to change. Their value to you depends on your personal circumstances. Barclays doesn't provide advice. If you need further advice on personal tax, please speak to a tax specialist. The value of your investments can rise as well as fall. You may not get back the amount you invest.

Barclays does not offer an innovative finance ISA or a lifetime ISA

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