How does （株主への）配当 税金 work? What you will 支払う／賃金 - and how to 削減（する） your 法案
A （株主への）配当 is 基本的に a reward for 持つ／拘留するing 株, and you can receive it in cash or reinvest it in more of the 在庫／株
Many 投資家s rely on income from （株主への）配当s. It can bring 広大な／多数の／重要な returns, 特に if you keep reinvesting them in more 株.
A （株主への）配当 is 基本的に a reward for 持つ／拘留するing 株, paid out によれば how much of a particular 在庫／株 you 持つ／拘留する.?
This payout will be made at intervals chosen by the company, such as 月毎の, 年４回の, bi-毎年 or 毎年, and you can choose to receive it in cash or reinvest it in more of the 株.
However, the 政府 必然的に wants its 株 of this wealth, and it has 切り開く／タクシー／不正アクセスd 支援する allowances and grabbed 増加するing 量s of （株主への）配当 税金 from 投資家s in 最近の years.
The wealthiest 投資家s and small 商売／仕事 owners, who often choose to 支払う／賃金 themselves 経由で （株主への）配当s, are clobbered most by （株主への）配当 税金.
But the ますます stingy 政権 means it is also taking an ever greater （死傷者）数 on lower-income individual 株主s 持つ／拘留するing 投資s outside Isas and 年金s.
We look at the 支配するs and how to 保護する yourself from （株主への）配当 税金 below.
How much is （株主への）配当 税金?
The 税金-解放する／自由な allowance for （株主への）配当 income was 削除するd to £500 from April 2024, 負かす／撃墜する from £1,000 in the previous 税金 year.
If your （株主への）配当 income is higher than your personal allowance? - which takes into account all your other taxable income too - 加える your 税金-解放する／自由な （株主への）配当 allowance, you will 支払う／賃金 （株主への）配当 税金 によれば your 所得税 禁止（する）d.
（株主への）配当 税金 率s are 現在／一般に 8.75 per cent for basic 率 taxpayers, 33.75 per cent for highe r 率 taxpayers and 39.35 per cent for 付加 率 taxpayers.?
The 率s were 増加するd from 7.5 per cent, 32.5 per cent and 38.1 per cent from April 2021 onward.
As pointed out by 財政上の 専門家s at the time, because the 1.25 per cent rise was 課すd across the board 関わりなく 所得税 bracket, this change fell more ひどく on 株主s who were basic 率 taxpayers.
Former （ドイツなどの）首相／（大学の）学長 Kwasi Kwarteng 発表するd in his ill-運命／宿命d 小型の-予算 in Autumn 2022 that the 1.25 per cent 率 引き上げ（る） would be 逆転するd from April 2023, but 追跡（する） 速く dropped that idea again.
Turning to the （株主への）配当 allowance, this was introduced at £5,000 but saw a 激烈な 60 per cent 削減（する） in 2018 and as 公式文書，認めるd above was shredded to just £500 in spring 2024.
It is 価値（がある） 公式文書，認めるing that the pre-April 2016 政権 was more generous to lower income, or basic 率 taxpayers, 予定 to a?'notional 税金 credit'?which 効果的に meant they paid 無 （株主への）配当 税金.
一方／合間, under that old system, higher 率 taxpayers only paid 25 per cent （株主への）配当 税金.?
The £5,000 allowance was 最初 brought in to 補償する people for losing this 価値のある perk and was 主として 目的（とする）d at personal 投資家s.
The 政府 explains more about （株主への）配当 税金 on its website, 含むing how to 支払う／賃金 it.
When you sell your 株, you might have to 支払う／賃金 税金 then too - read our guide to 資本／首都 伸び（る）s 税金 here.
Got a 税金 question??
Heather Rogers, 創立者 and owner of Aston Accountancy, is This is Money's 税金 columnist.
She can answer your questions on any 税金 topic - 税金 codes, 相続物件 税金, 所得税, 資本／首都 伸び（る）s 税金, and much more.
You can 令状 to Heather at taxquestions@thisismoney.co.uk.
How to 保護する yourself from （株主への）配当 税金
Use up your Isa allowance of up to £20,000 a year by switching your 投資s into the 税金-解放する／自由な wrapper of a 在庫／株s and 株 Isa.?
This can be done by selling your 投資s and buying them 支援する in a 過程 known as a Bed & Isa.
Couples can also 移転 資産s between them 税金-解放する／自由な to make the most of this.
財政上の 専門家s 示唆する you might look at prioritising high （株主への）配当 支払う／賃金ing 投資s when deciding which to switch into your Isa.
However, if you keep growth 在庫／株s outside your Isa you need to consider 資本／首都 伸び（る）s 税金 同様に. You might want to take professional advice on the best way to 扱う this.?資本／首都 伸び（る）s 税金?was 削除するd from £12,300 to £6,000 in April 2023, and again to £3,000 from April 2024.
You can also 投資する more 経由で your 年金,?where 出資／貢献s are topped up by 税金 救済 from the 政府 and your 投資s can grow 税金-解放する／自由な.?
But in a 年金 your money is locked up until you are 55, rising to 57 in 2028, and any 撤退s beyond a 25 per cent 税金-解放する／自由な lump sum are 支配する to 所得税.
Compare the best DIY 投資するing 壇・綱領・公約s and 在庫／株s & 株 Isas
投資するing online is simple, cheap and can be done from your computer, tablet or phone at a time and place that 控訴s you.
When it comes to choosing a DIY 投資するing 壇・綱領・公約, 在庫／株s & 株 Isa or a general 投資するing account, the 範囲 of 選択s might seem 圧倒的な.?
Every provider has a わずかに different 申し込む／申し出ing, 非難する more or いっそう少なく for 貿易（する）ing or 持つ／拘留するing 株 and gi ving 接近 to a different 範囲 of 在庫／株s, 基金s and 投資 信用s.?
When 重さを計るing up the 権利 one for you, it's important to to look at the service that it 申し込む／申し出s, along with 行政 告発（する），告訴（する）／料金s and 取引，協定ing 料金s, 加える any other extra costs.
To help you compare the best 投資 accounts, we've crunched the facts and pulled together a 包括的な guide to choosing the best and cheapest 投資するing account for you.?
We 最高潮の場面 the main players in the （米）棚上げする／（英）提議する below but would advise doing your own 研究 and considering the points in our 十分な guide linked here.
>> This is Money's 十分な guide to the best 投資するing 壇・綱領・公約s and Isas?
壇・綱領・公約s featured below are 独立して selected by This is Money’s specialist 新聞記者／雑誌記者s. If you open an account using links which have an asterisk, This is Money will earn an (v)提携させる(n)支部，加入者 （売買）手数料，委託（する）／委員会／権限. We do not 許す this to 影響する／感情 our 編集（者）の independence.?
| Admin 告発（する），告訴（する）／料金 | 告発（する），告訴（する）／料金s 公式文書，認めるs | 基金 取引，協定ing | 基準 株, 信用, ETF 取引，協定ing | 正規の／正選手 投資するing | （株主への）配当 reinvestment | ||
|---|---|---|---|---|---|---|---|
| AJ Bell*? | 0.25%? | Max £3.50 per month for 株, 信用s, ETFs.? | £1.50 | £5? | £1.50 | £1.50 per 取引，協定? | More 詳細（に述べる）s |
| Bestinvest* | 0.40% (0.2% for ready made 大臣の地位s) | Account 料金 削減（する） to 0.2% for ready made 投資s | 解放する／自由な | £4.95 | 解放する／自由な for 基金s? | 解放する／自由な for income 基金s | More 詳細（に述べる）s |
| Charles Stanley Direct* | 0.35%? | No 壇・綱領・公約 料金 on 株 if a 貿易（する） in that month and 年次の max of £240 | 解放する／自由な | £11.50 | n/a | n/a | More 詳細（に述べる）s |
| Fidelity* | 0.35% on 基金s | £7.50 per month up to £25,000 or 0.35% with 正規の／正選手 貯金 計画（する）.? | 解放する／自由な | £7.50 | 解放する／自由な 基金s £1.50 株, 信用s ETFs | £1.50 | More 詳細（に述べる）s |
| Hargreaves Lansdown* | 0.45% | Capped at £45 for 株, 信用s, ETFs | 解放する／自由な | £11.95 | £1.50 | 1% (£1 min, £10 max) | More 詳細（に述べる）s |
| Interactive 投資家*? | £4.99 per month under £50k, £11.99 above, £10 extra for Sipp | 自由貿易 価値（がある） £3.99 per month (does not 適用する to £4.99 計画（する）) | £3.99 | £3.99 | 解放する／自由な | £0.99 | More 詳細（に述べる）s |
| iWeb | £100 one-off 料金 (waived until July 2024) | £5 | £5 | n/a | 2%, max £5 | More 詳細（に述べる）s | |
| ?Accounts that have some 限界s but attractive 申し込む／申し出s | ? | ? | |||||
| Etoro*??No 投資 基金s or Sipp | 解放する／自由な | 投資 account 申し込む／申し出s 在庫／株s and ETFs. Beware high 危険 CFDs. | Not 利用できる? | 解放する／自由な? | n/a? | n/a? | More 詳細（に述べる）s? |
| 貿易（する）ing 212? | 解放する／自由な? | 投資 account 申し込む／申し出s 在庫／株s and ETFs. Beware high 危険 CFDs.? | Not 利用できる? | 解放する／自由な? | n/a? | 解放する／自由な? | More 詳細（に述べる）s? |
| Freetrade* No 投資 基金s | ?Basic account 解放する／自由な,? 基準 with Isa £4.99, 加える £9.99 | Freetrade 加える with more 投資s and Sipp is £9.99/month inc. Isa 料金 | No 基金s? | 解放する／自由な? | n/a? | n/a? | More 詳細（に述べる）s? |
| 先導??Only 先導's own 製品s | 0.15%? | Only 先導 基金s | 解放する／自由な? | 解放する／自由な only 先導 ETFs? | 解放する／自由な? | n/a? | More 詳細（に述べる）s? |
| (Source: ThisisMoney.co.uk 損なう 2024. Admin % 告発（する），告訴（する）／料金 may be 徴収するd 月毎の or 年４回の | |||||||
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