13 articles tagged with Compound Interest.
The UK Personal Savings Allowance is £1,000 for basic-rate taxpayers, £500 for higher-rate, £0 for additional-rate. Above PSA, savings interest is taxable. Here's how it works and what to do above it
At 4.5% mortgage rates and 6% expected long-run equity returns, mortgage overpayment vs investing is closer than ever. Here's the maths on £200/month — and the behavioural factors that often matter more
How much emergency fund a UK household needs in 2026 — 3 to 6 months of essentials, where to hold it (Cash ISA, easy-access, Premium Bonds), and a worked example for a £2,500/month family budget.
Full rules for transferring Cash ISA to Stocks & Shares ISA in 2025/26: partial transfers, current-year vs prior-year, the 15-day deadline, and how to avoid breaking the £20,000 allowance.
Junior ISA gives £9,000/year, no tax, accessible at 18. A Children's SIPP gives £3,600 gross with 20% tax relief and locks money to age 57. Side-by-side worked example over 18 years.
The Lifetime ISA 25% withdrawal charge is not the same as losing the 25% bonus — it claws back more. Worked example on a £20,000 LISA closed early: the real penalty is 6.25% of your contributions, plus all the growth on the recovered bonus.
If your Stocks & Shares ISA is in the red in 2026, panic-selling can lock in losses and waste valuable ISA contribution space. Here's the maths, the behaviour and the UK-specific tax rules behind sell-or-hold.
A Stocks & Shares ISA shelters all dividends and capital gains from UK tax forever. Here's what 20 years of £20,000 contributions could realistically grow to, and why the wrapper matters more than the funds you pick.
Opting out of auto-enrolment looks like a £100/month pay rise — but the real 30-year cost is £180,000+ of lost pension wealth. Full worked examples for £30k, £45k and £60k earners.
What does £200 a month, invested every month for 25 years inside a UK Stocks & Shares ISA, actually grow to? Three realistic return scenarios, the impact of fees, and why starting early matters more than amount.
Cash ISAs offer 4-5% with full capital protection. Stocks & Shares ISAs target 5-8% real long-term. The right choice depends on horizon, not preference. Full comparison with 2026 numbers.
Part 3 of our Spring Budget 2026 deep-dive — what the Chancellor announced for pension annual allowance, ISA limits, dividend allowance, savings interest taxation and the LISA. Worked examples included.
Your ISA allowance resets at midnight on 5 April. Here's the pre-deadline checklist — what to top up, what to switch, what to open, and the LISA pitfall to avoid.