Do I need to 宣言する （株主への）配当s on my self-査定／評価 税金 return even if I 港／避難所't 越えるd the 年次の allowance?

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More 投資家s are relying on income from （株主への）配当s as インフレーション erodes their 貯金 マリファナs.

At the same time, the 政府 will 削除する the 税金-解放する／自由な allowance for （株主への）配当 income in half, from £2,000 to £1,000 next month.?

It will then 落ちる to £500 from April 2024, as part of the 財務省's 税金 （警察の）手入れ，急襲 on savers.

投資家s who 持つ／拘留する their 投資s outside Isas and 年金s need to consider how much （株主への）配当 税金 they will need to 支払う／賃金 in the next 税金 year.

We look at when you need to 支払う／賃金 税金 on 付加 income and whether you need to 宣言する this to HMRC.??

削減: The 政府 has 削減（する） the 税金-解放する／自由な （株主への）配当 allowance in half and 投資家s will now have to 支払う／賃金 税金 on income over £1,000 from next month

When do you have to 支払う／賃金 （株主への）配当 税金?

The （株主への）配当 allowance will soon 減少（する） from £2,000 to £1,000 for the 2023/2024 税金 year.?

You don't have to 支払う／賃金 any 税金 on （株主への）配当 支払い（額）s you receive up to that 量.

If you're a basic 率 income taxpayer, you will 支払う／賃金 8.75 per cent 税金 on （株主への）配当 支払い（額）s over the £1,000 限界.?

Those in the higher 税金 bracket 支払う／賃金 33.75 per cent and this rises to 39.35 per cent for 付加 率 taxpayers.

Read our guide to （株主への）配当s and 税金. 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.?

If you 持つ／拘留する your 投資s in a 在庫／株s and 株 Isa, you don't have to worry about 支払う／賃金ing 税金 on （株主への）配当 支払い（額）s on 株, 投資 信用s, 基金 and ETFs, as they're in a 税金-解放する／自由な wrapper.

税金 予定: If you receive more than £1,000 in （株主への）配当s from your 投資s and don't already 完全にする a 税金 return, you must 登録（する） for self-査定／評価

Do you have to 宣言する （株主への）配当s on your 税金 return?

There have been lots of changes to （株主への）配当 税金s in 最近の years, meaning it can be difficult to work out when and how much you need to 支払う／賃金 in 税金.

The （株主への）配当 allowance was introduced at £5,000 before a 激烈な 60 per cent 削減（する） in 2018, and will next year 落ちる to £500, meaning more people will have to 支払う／賃金 税金 on their （株主への）配当s.

Many are 混乱させるd as to whether if they earn （株主への）配当s below this level, they leave them off their 税金 form or need to 宣言する them on there. So, when do you need to 含む （株主への）配当s on your self-査定／評価 form, and who needs to do this?

Someone who is 雇うd and paid 経由で PAYE, whose only 推論する／理由 to 完全にする a self-査定／評価 税金 return is because they have 越えるd the （株主への）配当 限界, will 明白に need to 含む income from （株主への）配当s.

It gets a bit more 複雑にするd for those who aren't sure or are の近くに to reaching the （株主への）配当 限界. The same goes for those who 定期的に 服従させる／提出する self-査定／評価 税金 returns for other 推論する／理由s.

Do they have to 宣言する （株主への）配当s even if they're not any where 近づく the 限界?

Jason Hollands, managing director at 投資 壇・綱領・公約 Bestinvest: 'If you already 完全にする self-査定／評価 for other 推論する／理由s, you need to 宣言する （株主への）配当s even if they are 井戸／弁護士席 below the （株主への）配当 allowance.

'If you aren't 完全にするing self-査定／評価 現在／一般に, but receive （株主への）配当s over £1,000 then you must 登録（する） for self-査定／評価.

'If （株主への）配当s received are いっそう少なく than this, then the best course of 活動／戦闘 is to 接触する the HMRC 所得税 helpline to 捜し出す 指導／手引.'

Your self 査定／評価 form should 正確に calculate how （株主への）配当s recieved change your 税金 法案. If you think this is incorrect, query it with HMRC.

You don't need to 含む （株主への）配当s from 投機・賭ける 資本／首都 信用s (VCTs), as these are 税金-解放する／自由な.?

However, you would need to 含む any reinvested VCT （株主への）配当s 経由で a （株主への）配当 reinvestment 計画（する） (Drip). This is when, instead of receiving cash （株主への）配当s, they are reinvested by subscribing for new 株.

In this シナリオ, you would need to 含む reinvested VCT （株主への）配当s under the box 宣言するing whether new VCT subscriptions have been made.

How to 保護する yourself from （株主への）配当 税金

There are ways to 保護する yourself from the （株主への）配当 税金, 主として placing your 投資s in a 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.

専門家s 示唆する 投資家s consider 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, and you might want to take professional advice on the best way to 扱う this.

A ぼんやり現れるing 資本／首都 伸び（る）s 税金 （警察の）手入れ，急襲 from 6 April will also 削除する the 年次の 税金-解放する／自由な allowance from £12,300 to £6,000.?

Those who have built up 相当な 投資 利益（をあげる）s outside of an Isa may want to consider selling now to bank some 利益（をあげる）s while the larger 資本／首都 伸び（る）s 税金 allowance is still in place.

You might also want to consider 投資するing more 経由で your 年金,?as the 政府 最高の，を越すs up 出資／貢献s with 税金 救済.?

However, this money will be locked up until you are 55. This rises 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 giving 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.?

DIY INVESTING PLATFORMS AND STOCKS & SHARES ISAS?

	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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