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As we approach 2025, navigating the evolving tax landscape in the UK has become increasingly important for individuals looking to preserve and grow their wealth. The recent changes introduced in the 2024 Autumn Budget highlight the need for proactive planning to increase the likelihood that your hard-earned income and investments are protected from escalating tax burdens.

In this blog, we’ll explore six strategic ways to pay less tax in 2025, with a focus on utilising tax-efficient vehicles like Individual Saving Accounts (ISAs) and Innovative Finance ISAs (IFISAs), making smart use of allowances, and structuring your wealth to minimise liabilities. By taking action now, you can position yourself to weather economic challenges and secure your financial future.

"Compound interest is the eighth wonder of the world. He who understands it, earns it. He who doesn't, pays it.” 

 Albert Einstein

As the UK navigates economic challenges characterised by fluctuating inflation, potential interest rate cuts, and increased taxation, investors are rethinking their strategies to preserve wealth and achieve stable growth. In this environment, property-backed Innovative Finance ISAs (IFISAs) have emerged as a compelling option, offering tax-free returns and a balance of risk and reward through secured peer-to-peer (P2P) lending.

This blog explores the advantages of property-backed IFISAs, the risks to consider, and how investors can strategically use this tool to navigate the current economic landscape.

The upcoming government budget, scheduled for 30th October 2024, has sparked widespread speculation among financial experts about potential changes to tax relief and savings allowances, particularly regarding Individual Savings Accounts (ISAs). While there is always speculation around Budget time, it is essential to consider how any proposed changes could affect your long-term financial planning.

In this blog post, we’ll explore why it might be wise to secure your ISA investments before the end of October, how potential changes could impact ISAs, and what this could mean for your financial goals moving forward.

In today’s complex financial landscape, finding the right investment vehicle that offers both growth potential and tax efficiency can be a challenge. For savvy investors, the Innovative Finance ISA (IFISA) presents a unique opportunity to maximise returns while enjoying tax-free benefits. In this blog post, we'll explore what an IFISA is, how it differs from other types of ISAs, and why it could be a smart choice for those looking to boost their financial future.

If you’re ready to explore the potential of an IFISA and start maximising your returns, consider investing with easyMoney.

Read the full article here:

Learn how different types of ISAs (Cash ISAs, Stocks & Shares ISAs, Innovative Finance ISAs, & Lifetime ISAs) compare in terms of returns, risks, and benefits. Discover which ISA could suit your savings or investment goals.

easyMoney’s short-term bridge loans can be a perfect source of property auction finance.

(Capital at risk - Past performance does not guarantee future results)

22/05/2023

ISAs are a great way to save because of their tax-free status and everyone gets an individual allowance.

(Capital at risk - Past performance does not guarantee future results)

04/11/2022

Investors may want to consider an Innovative Finance ISA (IFISA) for a greater return on investment,

(Capital at risk - Past performance does not guarantee future results)

21/06/2022

For a greater return on investment, investors may want to consider an Innovative Finance ISA (IFISA).

(Capital at risk - Past performance does not guarantee future results)

09/06/2022

Is it possible to become a ISA Millionaire? Simple steps to making your child an ISA millionaire.

(Capital at risk - Past performance does not guarantee future results)

01/06/2022

How to avoid from breaking the ISA rules, to failing to maximise your tax-free earnings?  Five of the mistakes that IFISA investors make.

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24/05/2022

The rule of 72 is a clever maths calculation which shows you exactly how much interest you’ll earn on any money you have stored away. It’s important as it helps you calculate how long you need to save to meet your savings goals.

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20/04/2022

IFISAs & ISAs have many advantages. Not only can you save into one without paying any tax, up to the yearly limit of £20,000, there are some benefits for estate planning too.

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14/04/2022

Maximise Growth Potential by Investing Early in the Tax Year to Boost Long-Term Wealth

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05/04/2022

A standard ISA - either a cash ISA, a stocks and shares ISA or an IF-ISA could be considered as an alternative place to put money for a child. 

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31/03/2022

Highlights of the Spring Statement 2022

For a greater return on investment, investors may want to consider an Innovative Finance ISA (IFISA).
(Capital at risk - Past performance does not guarantee future results)
24/03/2022

For a greater return on investment, investors may want to consider an Innovative Finance ISA (IFISA).

(Capital at risk - Past performance does not guarantee future results)

10/03/2022

With a regular account or an IF-ISA at easyMoney, for example, you could get a target rate from 3.08% to 8.00%.

(Capital at risk - Past performance does not guarantee future results)

02/03/2022

The average person aged 55 and over has £20,028 in savings, according to the research from Raisin. By your 50s, stopping work may be on the horizon in the next 10-20 years. 

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02/03/2022

Discover if it's the best option for your financial needs and goals. Make informed choices for your money management.

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23/02/2022

When does the interest get paid to me? Once I have invested, when do I start earning interest? What levels of return can I expect? How do I become an Investor?

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16/02/2022

From Zopa to Ratesetter, here we look at why these providers have exited the market, what your options are if you’re looking for an IFISA to transfer money into, and what the best alternatives are.

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04/02/2022

Discover how the pandemic has influenced young investors, as they venture into investment strategies beyond retirement planning. 

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25/01/2022

How much do you need to open a new ISA account, is £100 a good starting point for an IF-ISA, for example? Or do you need a bigger sum of money? 

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Experience the fintech revolution as the use of fintech apps soars. Discover easyMoney's latest app, designed to empower users with seamless financial management and investment opportunities.

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You can transfer existing ISAs to us. You can transfer either the full amount or part of any IFISA, Cash ISA or Stocks and Shares ISA.

(Capital at risk - Past performance does not guarantee future results)