What the UK 総選挙 means for the economy and your 財政／金融s
The next 総選挙 will be on 4 July.
The economy is likely to take centre 行う／開催する／段階 as both major parties ramp up （選挙などの）運動をするing.
For now, little is known about what the major parties are 始める，決める to 含む in their manifestos but there have been hints over the last few months.
The 保守的なs will hope that わずかに better than 推定する／予想するd 経済的な 指示する人（物）s, and the prospect of 率 削減（する）s this year, will give them a 上げる, while 労働 will? argue that people are still struggling.
重要な battlegrounds: Sunak and Starmer are both likely to fight the 選挙 on the economy
In the coming weeks, manifestos are likely to be 明かすd and 投票者s will have a better understanding of how 政策s might 影響する／感情 them.
We look at what 政策s have already been 発表するd, and what it will mean for your 財政／金融s.
Economy
The economy has been the central narrative in the run-up to Sunak's 告示 last month.?
News that インフレーション is 近づくing the Bank of England's 2 per cent 的 may 井戸／弁護士席 have 供給するd Number 10 with a 上げる.?
労働 攻撃する，衝突する 支援する and said that prices are still 'sky high' and that the Tories 'can't defend' their 記録，記録的な／記録する.?
Paul Dales, 長，指導者 UK 経済学者 at 資本／首都 経済的なs 予報するs the 選挙 is 'ありそうもない to lead to a 劇的な different 経済的な 見通し.
'With Brexit decide long ago and 労働 having become more 中道派（の） under Starmer than under Corbyn, there is not much at 火刑／賭ける for the economy in either the 近づく-称する，呼ぶ／期間／用語 or その上の ahead as there was during the 選挙s in 2017 and 2019.'
While Sir Keir Starmer has 誓約（する）d 経済的な 安定, the nation's public 財政／金融s might constrain him.
最近の data from the Office for 予算 責任／義務 明らかにする／漏らすd 逮捕する borrowing was £1.2billion ahead of 予測（する）s and £1.5billion higher than a year ago.
Lindsay James, 投資 strategist at Quilter 投資家 says: '財政／金融s are already stretched の近くに to breaking point and at levels last seen in the 1960s… This 供給するs an intriguing 背景 for the 総選挙'.
労働 has said that their 会計の 支配するs will be 類似の to the 現在の ones, which means their approach to 財政政策 is likely to stay the same.
The good news for both parties is that the economy isn't likely to 悪化する any その上の this year.
Dales says: 'インフレーション will still 落ちる その上の, the economy will probably 改善する and 利益／興味 率s may be 削減（する） in August.'
Even if the economy does 改善する, there are deeper rooted 問題／発行するs like 生産性 and growth which the winning party will have to 取り組む when they take office.
The OBR published 人物／姿／数字s that show borrowing was higher than 予測（する） last month
Dales says: '労働's 姿勢 on new towns and 気候 may mean 労働 is better placed to 上げる both public and 私的な 投資.?
'It's possible the 保守的なs might 規制する AI with a lighte r touch, which may mean it 上げるs 生産性 by more.
'Either way, our 予測（する） that the UK's 経済成長 率 will 加速する in the 2030s is based on the 利益s from AI rather than 政府 改革（する）s.
'If that 改良 happens sooner, the 勝利者 of the 選挙 may be lucky enough to 利益 from an 緩和 of the 会計の 強制s.'
（ドイツなどの）首相／（大学の）学長 Jeremy 追跡（する） 削除するd 国家の 保険 出資／貢献s by 2p and 誓約（する）d to 削減（する） them その上の
税金
The 会計の 強制s mean there is little chance of 税金 削減（する）s, which were 広範囲にわたって 予報するd for the Autumn.
However, the 保守的なs have 約束d another 2p 削減（する） to 国家の 保険 in its manifesto, bringing 出資／貢献s 負かす／撃墜する from 8p to 6p.?
They also 誓約（する）d to 廃止する the main 率 of self-雇うd NI 出資／貢献s for the self-雇うd 完全に, after scrapping Class 2 出資／貢献s in April, and 公約するd not to raise 所得税 or 付加価値税.?
労働 has 公約するd not to raise the ra tes of 所得税 or 会社／団体 税金 on company 利益（をあげる）s, or 逆転する the （ドイツなどの）首相／（大学の）学長's 2p 削減（する） to 国家の 保険 if it comes to 力／強力にする.
Instead it ーするつもりであるs to 告発（する），告訴（する）／料金 付加価値税 on 私的な school 料金s and to 税金 the overseas income of those with 非，不，無-dom status.
However, critics have said that some 税金s weren't について言及するd in the manifesto and 労働 have failed to 支配する out changes to 資本／首都 伸び（る）s and 相続物件 税金s.?
It recently 支配するd out revaluing 会議 税金 禁止（する）d, although it has failed to 支配する out any 会議 税金 引き上げ（る）s if they 勝利，勝つ the 選挙.?
Dales 予報するs '税金s, spending and 投資 as a 株 of GDP might all be a bit higher under 労働.'
Laura Suter, AJ Bell's personal 財政／金融 director says: 'For some, 税金s need to rise ーするために 基金 already-stretched public services.?
'For others, ever-増加するing 税金 法案s are 証拠 that public spending is out of 支配（する）／統制する and 税金s need to be 削減（する） to incentivise growth.
'In truth, there is very little wiggle room in either direction. Taxpayers will struggle to stomach その上の 税金 増加するs, while 税金 削減（する）s will eat into the 未来 （ドイツなどの）首相／（大学の）学長's 予算s, which is 決定的な to any spending かかわり合いs either party 計画（する） on.'
House prices and mortgages
The 明言する／公表する of the 住宅 market will be another 重要な battleground ahead of the 選挙.?
見込みのある first-time 買い手s, who are 現在／一般に 定価つきの out of the market, will be looking for その上の support to help them get on the 住宅 ladder.
The Lifetime Isa has been a 重要な 構成要素 for aspiring homeowners, but the 現在の 所有物／資産／財産 限界 has remained at £450,000 since its 開始する，打ち上げる in April 2017. If it was 増加するd in line with 普通の／平均（する） house prices, it would have 増加するd to £580,500, によれば AJ Bell.
Housebuilding will be another 意見の不一致を生じる 問題／発行する for the major parties, as they 試みる／企てる to bring house prices 負かす／撃墜する.
Before the 2019 選挙, the 保守的なs 約束d to build 300,000 new homes in England a year. Last year, より小数の than 250,000 were built across England, むちの跡s and Scotland.
労働 has 約束d to 精密検査する the planning system and has committed to building 300,000 homes a year. The 保守的なs have committed to 1.6million homes over the next 議会.?
The 労働 Party has 誓約（する）d to build more houses to help 直す／買収する，八百長をする the 住宅 危機?
どこかよそで, homeowners will hope that a 率 削減（する）, now 広範囲にわたって 討議するd to be in August, will help to drag 負かす／撃墜する the 普通の／平均（する） mortgage 率.
However, neither major party have （一定の）期間d out the ways in which they might 直す／買収する，八百長をする the broken 住宅 market.
Elliott Culley, director at Switch Mortgage 財政／金融 says: 'More than 15 住宅 大臣s since 2010 has left the 住宅 部門 in 廃虚. If 労働 does 勝利，勝つ they need to 取り組む the 問題／発行するs in the 部門 decisively. Now we are in to 選挙 season, let's see what 誓約（する）s are made. This will give us a steer as to how the economy will 反応する.'
In the 即座の 称する，呼ぶ／期間／用語, Rightmove 予報するs that there won't be a 減産／沈滞 in the market in the run-up to the 選挙.
'An 選挙 in the summer, when the market is 伝統的に slower, could have いっそう少なく 衝撃 on 住宅 market activity than if one had been called for the Autumn,' it says.
'So, as we 長，率いる に向かって this 選挙, the 住宅 market is likely to stay active, with activity ramping up once the 選挙 is over and things become clearer. It could mean that we're gearing up for a stronger than usual August, 特に if we see 利益／興味 率s finally start to 落ちる.'
Instead the 保守的なs have 誓約（する）d to 明かす a £1billion 一括 of support to help first-time 買い手s.
The party says it would introduce 政府-支援するd mortgages to help first-time 買い手s get on the 所有物／資産／財産 ladder with a 5 per cent deposit for 購入（する）s いっそう少なく than £400,000.??
年金s
労働 and the Tories have both 誓約（する）d to keep the 明言する／公表する 年金 '３倍になる lock' for the whole of the next 議会, as they fight for the support of older people - who tend to 投票（する）, 令状s?This Is Money's 年金s editor?Tanya Jefferies.
That means pensioners should carry on getting decent 増加するs every year, 始める，決める by whichever is the highest of インフレーション, 普通の／平均（する） 収入s growth or 2.5 per cent, until nearly the end of the １０年間.
Thanks to the ３倍になる lock, they got a 8.5 per cent rise in April, 上げるing the headline 率 to £221.20 a week.
The basic 明言する／公表する 年金 for those who retired before 2016 went up to £169.50 a week (but older pensioners often receive hefty 最高の，を越す-ups if these were earned during their working lives).
The Tories broke the ３倍になる lock once during the pandemic, when they could credibly 嘆願d special circumstances, and we should assume neither party will 危険 pensioners' wrath by doing this again.
However, to afford the 抱擁する 法案 they might have to bring 今後 増加するs in the 明言する／公表する 年金 age, which is already scheduled to rise from 66 to 67 between 2026 and 2028.
The タイミング of the next rise to 68 is very much up in the 空気／公表する, and before an 選挙 both parties will probably do their best to 避ける this topic, for 恐れる of riling up 投票者s in their 40s and 50s.
The 保守的なs have 誓約（する）d to introduce a '３倍になる 年金 加える'?which 誓約（する）s to raise the 税金-解放する／自由な allowance?with the highest of インフレーション, 収入s or 2.5 per cent, as with the 現在の ３倍になる lock.?
労働 is rumoured to have dropped 計画（する）s to 復帰させる the £1,073,100 lifetime allowance in a 上げる to 豊富な savers.??
法案s
Higher energy 法案s have been a particular 苦痛 point over the last few years, as prices reached 記録，記録的な／記録する highs.
The 保守的なs are likely to point to the support they gave people in the form of the Energy 法案s Support 計画／陰謀, which was introduced in 2022. They will also point to the price cap 落ちるing to £1,690, and likely to 落ちる again by the end of July to £1,574.
However, 労働 are likely to argue that 投票者s are still struggling to make ends 会合，会う as the 衝撃 of インフレーション is still felt.
The Party has 提案するd the 開始する，打ち上げる of a 公然と-owned clean 力／強力にする company, 広大な／多数の／重要な British Energy Company. It says it would '削減（する） 法案s for good and 上げる energy 安全' by introducing a windfall 税金 on oil and gas companies.
投資家s
In the March 予算, the （ドイツなどの）首相／（大学の）学長 発表するd the 創造 of a British Isa, which would 許す savers to 投資する an extra £5,000 a year 税金-解放する／自由な in UK 在庫／株s. It is 現在／一般に under 協議, which is ありそうもない to 結論する ahead of the 選挙.
In contrast, 労働 has 誓約（する）d to 簡単にする Isas, although it has not 供給するd much 詳細（に述べる） beyond that.
Selby says: '関わりなく who 勝利s in the 総選挙, the UK ISA should be 限定するd to the 政策 dustbin, with 焦点（を合わせる） instead trained on simplification and 増加するing the Isa allowance. This would be much more likely to 上げる UK Plc over the long-称する，呼ぶ／期間／用語.'
Jason Hollands, managing director of Bestinvest 予報するs that if 労働 勝利，勝つ the 選挙, there could be a 重要な 精密検査する for Isas.??
'When you consider the narrative 始める，決める out by 影をつくる／尾行する （ドイツなどの）首相／（大学の）学長 Rachel Reeves in her Mais lecture which 明言する／公表するd 労働 will '開始する，打ち上げる a review of the 年金 system, to 確実にする it is serving British savers and UK PLC', this might also hint at what could be in 蓄える／店 for Isas too i.e., could Isas be reshaped so that 接近 to the 税金 利益s 要求するs a 最小限 配分 into UK 資産s??
'It is pure conjecture at this 行う／開催する／段階, but a 可能性 given the high-level 経済的な thinking 始める，決める out by 労働.'?
The 政府's 計画（する） for a sale of its 株 in NatWest have also been thrown into 疑問.?
公式の／役人s had 報道によれば been working に向かって a 小売 申し込む／申し出 in the next month, but the July 選挙 will likely put this on pause.?
It could see the 労働 Party run a （選挙などの）運動をする reminiscent of the 'Tell Sid' （選挙などの）運動をする, when British Gas and British Telecom were sold off in the 1980s, at the same time it 監督するs the 開始する，打ち上げる of a 公然と-owned energy company.?
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