• Rachael Panteney

Have you taken advantage of the all tax incentives available this year?

The 2020/21 tax year ends on 5 April, have you taken advantage of the all tax incentives available this year?

The 2020/21 tax year ends on 5 April, have you taken advantage of the all tax incentives available this year?

Tips to make sure you don’t miss out.

Maximise your pension contributions

You can save into registered pension schemes and get tax relief on those contributions. There is an annual allowance on the amount that can be contributed to your pension each year, while still receiving tax relief. It's based on your earnings for the year and is capped at £40,000.

Use your annual ISA allowance

You can invest up to £20,000 in the 2020/21 tax year. There are a number of options including cash ISAs, stocks & shares ISAs, and Lifetime ISAs. (Lifetime ISAs have an annual limit of £4,000, but you can put the remaining £16,000 into any other ISA)

Consider Junior ISAs (JISA)

The JISA has all the tax benefits and investment choices of the normal ISA. The annual investment limit is £4,368 and you can split this between a cash JISA and stocks-and-shares JISA however you wish. Although only parents or guardians can set up a JISA, anyone can pay into it.

Inheritance Tax

You can give away up to £3,000 in this tax year and it will fall outside your estate for inheritance tax purposes.

Capital Gains Tax

You can also make gains of up to £12,300 without incurring capital gains tax. So if you’re thinking of selling some assets there may be a benefit in doing so by 5 April.

Act now!

Regardless of how or where you decide to invest your money, to take advantage of any tax incentives available in this tax year you must do so before 5 April.

We would love to help to make sure you don’t pay more tax than you need to.

Get in touch to book a free, no obligation meeting.

Call Rachael on 01323 436680 or email Rachael@Willowtree-fs.co.uk

Willow Tree Financial Services.

A6 Chaucer Business Park,

Dittons Road, Polegate.

East Sussex, UK.

BN26 6QH

01323 436680


The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested. Your home may be repossessed if you do not keep up repayments on your mortgage. 

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