What is Capital gains tax on shares? How to avoid it?

What is the current rate of capital gains tax on shares? In the 2023/24 tax year, there are currently four different rates of capital gains tax in the UK. The rates differ depending on the type of asset being disposed of (property has a different CGT rate to all other chargeable assets), and also the […]

How to do Asset Allocation for better returns

Both ETFs rallied in the fourth quarter of 2023. So far this year, global equities have continued to rally, but global bonds have stalled. What’s behind this? Some of the answer lies in US technology stocks. We’ve seen continued optimism in that space coming into 2024. That’s not been reflected across all equity markets. As […]

Bonds and Saving Investments for Short-Term Investments in the UK in 2024

The saving versus investing argument But before we get too far into the investment debate, we ought to look at other saving options. Why? Because investing involves some sort of risk, whereas the right type of savings account can be risk-free. On the surface, that sounds like a no-brainer. Why put your money into a […]

Why is a Flexible ISA important?

Are Moneyfarm ISAs flexible? At Moneyfarm, we believe that you should be in control of your finances – and we understand that sometimes temporary circumstances can be a hurdle when it comes to long-term investment. In practice, this means that, say you contribute £20,000 before the deadline of this tax year. Next tax year, you […]

How To Invest In Bonds in the UK

What are bonds? Bonds are a form of loan or debt issued by governments and companies, with interest paid in the form of a ‘coupon’. When bonds are first issued, they’re sold to investors on the ‘primary market’. After the initial issue, the bonds may be traded on the ‘secondary market’, or directly between institutional […]

What are Premium bonds? How to incest in Premium bonds?

What are premium bonds? Premium bonds are a savings account issued by National Savings & Investments (NS&I) on behalf of the UK government. Instead of interest, investors are entered into a random draw to win up to £1,000,000. They were launched on the 1st November 1956 as a way of the UK government raising funds […]

How to start your investment under £10k in the UK

What are your investment goals? Whether you have £10k or a much smaller amount, there’s no one-size-fits-all approach to investing. Ultimately, what you should do with your money all comes down to what your investment objectives are, how comfortable you are taking risks, and whether you’re investing for the long or short term. The investments you […]

What is an OEIC (Open-ended investment company)

What is an OEIC? An OEIC is a type of fund that pools investors’ money and uses it to invest in companies, assets and/or commodities it believes will generate returns. As the investment vehicle is a company, you’ll  buy shares in the OEIC. It’s not the same as buying shares in an individual company, as […]

How to save on Stamp duty on shares

What is Stamp Duty? While many of us are familiar with Stamp Duty Land Tax (SDLT) that’s payable on property transactions, stamp duty on the purchase of shares is less familiar. In a nutshell, stamp duty is a tax on documents, which applies to stock transfer forms for transferring shares. The documents must have been signed in […]