Your first steps
Once you’re confident your finances are in order, you need to start planning your investments. Get started by setting financial goals. Are you investing for growth? Or income? We'll help you answer these questions and more in this section.
Always remember that investments can fall in value and you may get back less than you invest.
Tax rules can change and their effects on you will depend on your individual circumstances.
You’ve decided to start investing, but there are several basic principles that you’ll need to get to grips with first. This guide will help you to start on the road towards successful investing.
If you’re looking to get your money matters in shape, there are plenty of simple steps you can take to help improve your financial fitness.
Keeping the tax you pay to a minimum is one way of making the most of your returns. Here are some useful ways to stay tax-efficient during the current tax year.
Planning your investment goals is essential if you're going to have a real chance of achieving them.
Cutting your tax bill by using available tax breaks is what every smart investor should be doing. Here are some simple ways to make the most of your annual tax allowances.
Not sure whether you should put your spare cash in a savings account or invest it? Understand the differences between saving and investing before deciding.
New tax rules which came into effect on 6 April 2016 mean the dividend tax credit has been abolished and a new dividend allowance introduced, along with higher rates of income tax on dividends in excess of the allowance. Here’s a summary of the changes but you should bear in mind that tax rules may change again in the future. The effects of tax rules on you will depend on your individual circumstances. Barclays are not tax advisers and we do not provide tax advice. If you're unsure of your tax position, we recommend that you obtain independent tax advice, tailored to your particular circumstances.
Changes to the way savings income – see below for an explanation of what this means - is taxed came into effect on 6 April 2016 with the introduction of the Personal Savings Allowance (PSA). We take a look at what this means for savers and explain what is classed as savings income.
If you’re aged under 40, you’re eligible to open a new Lifetime Individual Savings Account (LISA) to help you save for a home or your retirement. Here, we explain the LISA rules.
Rock bottom interest rates are tough on savers. Clare Francis, Director of Savings and Investments, explores what options are available in today’s low interest rate environment.
Here’s our run-down of all the key tax rates, limits and allowances you need to know for the 2017-18 tax year. When it comes to using ISA and pension allowances, remember you don't have to make your investment choices straight away - as long as you have the cash in place this tax year, that’s enough to secure the tax benefits of this year’s allowances.
Planning for the long term
Successful investing requires careful planning. Whatever your future goals, get organised now with the help of these tips and tools.
Make better decisions
Get some strategic insight on today's markets. Follow the latest industry news and analysis to keep your portfolio in tip-top shape.