Our Blog

Inheritance Tax (IHT) is a significant consideration for high-net-worth individuals (HNWIs) in the UK. With IHT thresholds frozen and property values and investments rising, more estates are being drawn into the tax net. Careful planning is essential to protect your wealth and ensure your loved ones inherit as much as possible. In this comprehensive guide, we’ll cover the current IHT rules as of March 2025, key exemptions and reliefs available, and effective strategies for minimizing IHT liabilities. We’ll also discuss the role of ISAs and Innovative Finance ISAs (IFISAs) in estate planning – including how easyMoney’s property-backed IFISA could form part of a diversified IHT planning strategy. All information is presented in a professional, informative manner suitable for sophisticated investors, and adheres to Financial Conduct Authority (FCA) guidelines (note: this article is for information only and not personal financial advice).

Wealth preservation is a fundamental goal for investors, particularly high-net-worth individuals and those planning for financial security over the long term. The ability to grow and protect assets while mitigating risk is key to maintaining financial stability across generations. However, inflation, taxation, and market volatility can erode returns over time. 

One of the most effective tools available to UK investors for long-term wealth preservation is the Individual Savings Account (ISA). ISAs offer tax-free growth, income protection, and flexibility, making them an indispensable part of a structured financial strategy. With several different types of ISAs available, investors can tailor their portfolios to meet specific objectives while shielding their wealth from taxation. 

This article explores why ISAs are a cornerstone of wealth preservation, how they compare to other investment vehicles, and why they remain an essential tool for financial planning.  

With the April 5th tax year-end deadline fast approaching, investors have only a short window left to maximise their tax-free allowances, reduce liabilities, and position their portfolios for long-term success. Many of the most valuable tax-efficient investment opportunities reset annually, meaning that any unused allowances will be lost if not utilised before the cut-off date. 

For those looking to make the most of the final weeks before the tax year closes, this checklist outlines five essential actions to take to ensure that no tax-free benefits go to waste. 

With the Spring Statement scheduled for 26 March 2025, investors across the UK are anticipating potential changes to tax policies, ISA allowances, and broader fiscal measures that could shape their investment decisions for the year ahead. As the government seeks to balance economic growth with fiscal responsibility, high-net-worth and sophisticated investors should be preparing for possible adjustments that could impact their savings, investments, and long-term financial planning. 

For those investing through an Innovative Finance ISA (IFISA), understanding the potential shifts in economic policy is key to staying ahead of the market and maximising tax-efficient investment opportunities.  

With the April 5th tax year-end approaching, now is the time for investors to review their financial position, maximise tax-free allowances, and ensure their investment strategy is working efficiently. The tax system provides several valuable incentives for those who take action before the deadline, but many unused allowances do not roll over—they are lost permanently once the new tax year begins on April 6th. 

For savvy investors, taking a structured approach to tax planning can enhance returns, minimise liabilities, and build long-term wealth tax-free. This guide outlines the key actions to take before the deadline and explores how an Innovative Finance ISA (IFISA) can play a crucial role in tax-efficient investing.  

For high-net-worth individuals (HNWIs), tax efficiency is a fundamental pillar of wealth preservation. With income tax, capital gains tax, and dividend tax all eroding investment returns, strategic asset allocation and intelligent tax planning are critical to maintaining and growing capital over the long term. 

One of the most underutilised yet highly effective tools in tax-efficient investing is the Innovative Finance ISA (IFISA). While often overlooked in favour of traditional ISAs, an IFISA provides a unique combination of tax-free growth, attractive target returns, and asset-backed security—a compelling proposition for investors seeking stable, long-term wealth accumulation. 

With the April 5th tax year-end approaching, high-net-worth investors should be evaluating their portfolios to ensure they fully utilise their annual ISA allowance, protecting more of their wealth from taxation while maximising long-term, tax-free gains.  

For high-net-worth individuals (HNWIs) and sophisticated investors, navigating the intricacies of the UK tax system is essential for wealth preservation and growth. The higher your income, the more likely you are to face diminishing returns due to escalating income tax rates, withdrawal of personal allowances, and other tax burdens. With careful planning and the right financial tools, you can optimise your tax efficiency while staying compliant with HMRC regulations.

This guide explores tax strategies for high earners, focusing on how to mitigate the impact of higher income tax rates, utilise tax-efficient investment vehicles like the Innovative Finance ISA (IFISA), and make the most of your financial resources in 2025.

As the April 5th tax year-end deadline approaches, investors have a crucial opportunity to review their financial position and take steps to maximise tax efficiency, preserve wealth, and avoid unnecessary liabilities. For those who take a proactive approach, the final weeks before the deadline can be used to optimise contributions, utilise allowances, and structure investments more effectively. 

With a range of tax-efficient investment vehicles available—from ISAs and pensions to capital gains and dividend allowances—the smartest investors use this time to ensure they are fully capitalising on every opportunity before the slate is wiped clean on April 6th.  

For investors using an Innovative Finance ISA (IFISA), flexibility is an essential feature that allows for more control over funds while still benefiting from the ISA’s tax-free advantages. However, many investors may not realise that withdrawals from a Flexible IFISA must be replaced before April 5th to retain their tax-free status. 

With the tax year-end fast approaching, those who have withdrawn funds earlier in the year still have time to replace those amounts before the deadline, ensuring they do not lose part of their annual ISA allowance permanently. This article explores how a Flexible IFISA works, why withdrawals can reduce your tax-free investment space, and what steps investors need to take before April 5th.  

In 2025, Flexible ISAs remain a popular choice for savers looking to maximise tax-free savings while enjoying greater flexibility. Among these options, the easyMoney Innovative Finance ISA (IFISA) stands out as a property-backed investment product that combines flexibility with the potential for higher returns.

This guide explores the best flexible ISAs available in 2025, how they compare to the easyMoney IFISA, and why flexibility matters for modern savers.

When it comes to investing £100,000, the stakes are high, but so are the opportunities. With careful planning and a well-diversified portfolio, you can make your money work harder while mitigating risks. Whether you’re a seasoned investor or new to the game, understanding how to allocate your capital effectively can make all the difference in achieving your financial goals.

This guide will explore strategies for investing £100,000, focusing on diversification, tax efficiency, and leveraging tools like property-backed Innovative Finance ISAs (IFISAs) to aim for maximum returns.

In a world of financial uncertainties, building a reliable stream of income is a cornerstone of long-term financial planning. For high-net-worth individuals (HNWIs) and other investors, monthly income can provide the stability and flexibility needed to achieve both immediate and future financial goals. Whether you’re planning for retirement, funding other investments, or simply looking for a predictable income stream, easyMoney’s property-backed Innovative Finance ISA (IFISA) offers an attractive solution.

This blog explores the long-term benefits of monthly income, why it’s crucial for financial planning, and how easyMoney’s IFISA can play a pivotal role in helping you secure your financial future.

As the financial landscape continues to evolve, the importance of diversification in wealth management has never been greater. The year 2025 presents both challenges and opportunities for high-net-worth individuals (HNWIs) and other investors. From inflationary pressures to fluctuating interest rates and a tightening tax environment, navigating these complexities requires strategic planning and innovative solutions. One such solution is the Innovative Finance ISA (IFISA), a tax-efficient investment vehicle that offers robust returns, security, and diversification.

This blog explores the benefits of diversification, the unique advantages of property-backed IFISAs, and how they can help you maximise your wealth in 2025.

Investors are always seeking opportunities that offer higher returns while keeping risks manageable. With inflation fluctuating and traditional cash savings accounts providing underwhelming yields, more people are turning to alternative investment strategies to grow their wealth. One option that stands out for its higher potential returns and tax advantages is the Innovative Finance ISA (IFISA).

In this blog post, we’ll explore how you can maximise your returns with  Innovative Finance ISA (IFISA) investments, and why the tax-free benefits of IFISAs can play a crucial role in transforming your overall investment strategy. By leveraging IFISAs, investors can tap into the lucrative peer-to-peer (P2P) lending market while enjoying tax-free growth, making it an ideal solution for those looking to build their wealth efficiently.

When it comes to planning for retirement, one of the most important steps you can take is helping to diversify your portfolio to support long-term stability. Diversification helps mitigate risk by spreading your investments across different asset classes and strategies, so you’re not over-reliant on any single type of investment. Traditionally, many people rely on pensions, stocks, and bonds for their retirement savings, but there are other valuable investment vehicles that can complement your portfolio. Two such options are Individual Savings Accounts (ISAs) and Innovative Finance ISAs (IFISAs), which offer unique tax advantages and, when used strategically, can help you work toward long-term financial security.

In today’s rapidly changing economic environment, the role of corporate cash reserves has never been more critical. While maintaining liquidity is vital for operational stability and seizing strategic opportunities, holding excessive cash on the sidelines can cost your business significantly. The risks of inactive cash range from inflation eroding purchasing power to missed opportunities for generating higher returns.

This article explains why large corporates should avoid the trap of idle cash and explores strategic investment options, including easyMoney’s property-backed loans. By adopting diversified strategies, businesses can transform their cash reserves into a dynamic asset for growth and financial stability.

Building wealth is a long-term endeavour that demands strategy, consistency, and adaptability. As we step into 2025, with an ever-changing financial landscape marked by fluctuating inflation and evolving tax policies, adopting effective wealth-building habits is more critical than ever.

This blog outlines 10 essential habits designed to help you grow, preserve, and optimise your wealth in the year ahead.

While inflation has eased recently, uncertainty remains high, and economists are predicting that it could fluctuate again in the near future. The Bank of England and other central banks have used interest rate hikes to combat inflation over the past year, but now some experts expect these rates to start falling again after the initial 0.25% cut in August 2024. If inflation rises unexpectedly, the value of money may start to erode more rapidly, and the interest earned from traditional investments like cash ISAs may fall short.

In such an environment, finding investments that offer competitive returns without being tied directly to central bank interest rate decisions is essential. One promising alternative is peer-to-peer (P2P) lending through platforms like easyMoney, where investors can earn attractive returns that help shield their savings from inflation’s ups and downs. In particular, the Innovative Finance ISA (IFISA) provided by easyMoney offers tax-free returns from secured loans, giving investors a robust and flexible way to grow their wealth even during relative economic volatility.

The year 2025 is shaping up to be another period of economic flux. With fluctuating inflation rates, potential interest rate cuts, and evolving tax landscapes, high net-worth individuals (HNWIs) face unique challenges and opportunities in preserving and growing their wealth. Strategic investment decisions have never been more critical to navigate these turbulent times effectively.

This blog explores key strategies for HNWIs to safeguard their financial health while capitalising on emerging opportunities in the current economic climate. From tax-efficient investment vehicles like ISAs and Innovative Finance ISAs (IFISAs) to the importance of diversification, we will guide you through the essential steps to build a resilient portfolio.

The Labour Government’s Autumn Budget on October 30, 2024, has set a new tone for the UK’s tax landscape. While designed to bolster public finances, the measures announced leave many high earners and savers reconsidering their investment strategies. Increased taxes on dividends, capital gains, and pensions signal a potential era of stricter taxation, with further changes potentially looming in 2025.

Against this backdrop, tax-free investments like Individual Savings Accounts (ISAs) and Innovative Finance ISAs (IFISAs) have gained renewed importance as vehicles for preserving wealth and achieving growth without additional tax burdens. This blog explores how these accounts can help individuals shelter their savings from future tax hikes and maximise returns in a post-Budget UK.

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

 Albert Einstein

For businesses of all sizes, maintaining sufficient liquidity is critical to ensure operational stability, meet short-term obligations, and weather economic uncertainties. However, holding excessive cash reserves on corporate balance sheets can pose significant risks and missed opportunities. Without a strategic investment plan, businesses may see their wealth eroded by inflation, face lost opportunity costs, and fail to optimise their financial potential.

This blog explores the pitfalls of sitting on idle cash and highlights strategic investment options like peer-to-peer (P2P) lending through platforms such as easyMoney. We’ll also discuss how corporate cash can be utilised effectively to maximise returns while maintaining the flexibility required for business growth.

A Small Self-Administered Scheme (SSAS) is a powerful tool for companies looking to invest in their businesses, manage corporate funds more efficiently, and provide long-term financial benefits for key stakeholders, making it an important strategy for business owners, directors, and key employees.

In this blog post, we’ll explore how setting up a SSAS pension can benefit your business and help grow your wealth tax-free. We’ll also discuss how easyMoney can be part of your wealth management strategy, offering property-backed investments that align with SSAS’s flexible nature.

As the investment landscape continues to evolve, peer-to-peer lending (P2P lending) has emerged as a compelling alternative investment strategy, especially for clients of independent financial advisors (IFAs) and wealth managers. While traditional investment vehicles like stocks, bonds, and mutual funds remain the go-to choices for many, P2P lending offers a way to diversify portfolios, generate attractive returns, and mitigate some of the risks inherent in market volatility.

In this blog post, we will explore how clients of independent financial advisors and wealth managers can benefit from P2P lending, the associated risks, and how platforms like easyMoney can be integrated into broader financial strategies.

For any business, managing surplus corporate cash is a critical aspect of maintaining financial health and driving growth. While keeping liquidity is essential to cover operating expenses and emergencies, holding too much cash in low-interest accounts can result in missed opportunities for generating higher returns. The challenge for corporate finance teams lies in finding the right balance between liquidity, security, and return on investment.

In this blog, we’ll explore several high-return corporate investment options and strategies that allow businesses to maximise returns on surplus cash while managing risk and maintaining flexibility. By identifying the best approaches for deploying excess capital, you can ensure that your company's resources are working as efficiently as possible.

The Autumn 2024 UK Budget, announced by the Labour Chancellor Rachel Reeves on October 30th 2024, presents a range of changes with significant implications for investors. For easyMoney’s investors, understanding how these adjustments could influence investment strategies, tax planning, and long-term financial goals is crucial. This budget introduces changes to capital gains tax, inheritance tax, interest rate expectations, and more, which could impact how investors structure their portfolios moving forward.

In this post, we break down the budget's most relevant aspects for easyMoney investors, focusing on tax-free savings options like Innovative Finance ISAs and IFISAs, and strategies to shield wealth from tax impacts.

A Small Self-Administered Scheme (SSAS) is a type of occupational pension scheme designed primarily for small businesses, typically with fewer than 12 members. One of its key advantages is the ability to offer businesses a way to invest corporate profits tax efficiently, while simultaneously providing the flexibility to support business growth. In this post, we’ll explore how a corporate SSAS can help you make money, grow your business, and plan for retirement.

Read our full post here.

When it comes to maximising your returns in a tax-efficient way, Innovative Finance ISAs (IFISAs) and peer-to-peer (P2P) lending are gaining increasing attention. IFISAs allow you to lend money through regulated P2P lending platforms, like easyMoney, while benefiting from tax-free returns. However, it is important to fully understand how these products work, including the risks involved.

Efficient cash management is crucial for businesses, whether for managing day-to-day expenses or future growth initiatives. While maintaining liquidity is important, leaving large amounts of cash in low-interest accounts could mean missing out on valuable opportunities for growth. Many companies are now exploring flexible investment options that offer higher returns without sacrificing access to funds when needed.

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