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Over 55s Lead the Charge in Tax-Free Savings

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مؤشر الاسهم السعودية اليوم http://dinoprojektet.se/?kapitanse=l%C3%A4karsekreterare-jobba-hemifr%C3%A5n&592=0f Over 55s are likely the most savings-savvy age group in the UK, official new figures from National Savings & Investments (NS&I) suggest.

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The survey, which polled 1,206 Britons, found that people in their pre-retirement years (ages 55 to 64) are most likely to use some or all of their ISA allowance. 54 percent of this age group, compared with 24 percent in the general population, plan to take full advantage of their personal tax-free allowance through ISAs.


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An ISA, or Individual Savings Account, allows you to put away money either in cash or stocks and shares, completely tax-free.


Most people don’t know that in regular savings accounts, at least 20 percent tax is automatically deducted from interest before anything is paid into your account. ISAs are an easy way to get around this, and have generous limits that most Britons have a hard time maxing out, giving most people the opportunity to shelter all of their savings from tax each year.


This tax year, the limit for both stocks and shares and cash ISAs combined is £11,280. The limit for the amount of tax-free ISA savings you can hold in cash is £5,640, so if you’re looking to save more that that you can start contributing to a stocks and shares ISA, such as the one on offer from http://parts.powercut.co.uk/?risep=%D8%A7%D9%84%D8%AE%D9%8A%D8%A7%D8%B1%D8%A7%D8%AA-%D8%A7%D9%84%D8%AB%D9%86%D8%A7%D8%A6%D9%8A%D8%A9-%D8%B9%D9%84%D9%89-%D8%A8%D9%8A%D8%AA%D9%83%D9%88%D9%8A%D9%86&0f5=5d Shepherd’s Friendly.


get link New tax year approaches


With the new tax year just a month away, it’s important to review how much of your ISA allowance you have used and how much you are able to save in the coming weeks.


This is because tax allowances do not roll over into the new tax year – it’s a “use it or lose it” system. If you have a lump sum that you can put in savings, it’s useful to save as much as possible before the new tax yew2ar. That way, you’ll be using up tax-free allowances that are disappearing anyway and allowing yourself as much tax-free savings as possible in the new tax year.


The new tax year starts 6 April 2013, and with it comes higher ISA allowances.


Starting 6 April, UK savers will be able to save up to £11,520 in ISAs. Of this, a maximum £5,760 can be saved in cash, and the remainder will need to be saved into stocks and shares ISA.


The http://investingtips360.com/?klaystrofobiya=%D8%A8%D9%8A%D8%B9-%D8%A7%D8%B3%D9%87%D9%85-%D8%A8%D8%A7%D9%84%D8%B1%D8%A7%D8%AC%D8%AD%D9%8A&2f3=82 Junior ISA, which allows parents and grandparents to save for a child’s future, is also getting a boost: maximum contributions are rising from £3,600 to £3,720.


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