Consider a Bed and Isa now - the 投資するing trick to （警官の）巡回区域，受持ち区域 a 税金 （警察の）手入れ，急襲
The?taxman is next month 強化するing its 支配する on 投資家s by 減ずるing the 量 of 資本／首都 伸び（る）s and （株主への）配当s you can make before 支払う／賃金ing 税金.
The good news is that it is possible to （警官の）巡回区域，受持ち区域 the squeeze and 避ける a large 法案 on your 利益（をあげる）s, ― but only if you 行為／法令／行動する 急速な／放蕩な.
Savers have いっそう少なく than three weeks to take advantage of little-known Bed and Isa 支配するs that 保護物，者 their hard-earned 基金s from the 税金 （警察の）手入れ，急襲.
Get going:?Savers have いっそう少なく than three weeks to take advantage of little-known Bed and Isa 支配するs
投資家s 直面する a 税金 （警察の）手入れ，急襲
From April 6, the 資本／首都 伸び（る）s 税金 allowance will be 削除するd from £6,000 to just £3,000 ― いっそう少なく than a ４半期/4分の1 of the £12,300 allowance 投資家s enjoyed in 2022.
削減s to the （株主への）配当 税金 allowance will be 平等に savage. From April, the 量 投資家s can earn in （株主への）配当s will 減少（する） to just £500, 負かす／撃墜する from £1,000 this year.?
The new allowance will be a tenth of the £5,000 that was 利用できる at its 高さ during the 2017-2018 税金 year.
The swingeing 削減s mean more ordinary 投資家s will start 支払う／賃金ing 税金 on their 投資s for the first time, with the 政府 見積（る）ing that 260,000 new individuals and 信用s could be stung by 資本／首都 伸び（る）s 税金 in the coming 税金 year.
But even more 投資家s will be stung by 削減s to the （株主への）配当 allowance, says Laura Suter, director of personal 財政／金融 at 投資 壇・綱領・公約 AJ Bell.
An 概算の 1.8 million more people will be caught in the （株主への）配当 税金 逮捕する as a result of the 削減（する）s to the 税金-解放する／自由な allowance since last April, によれば 人物／姿／数字s 解放（する）d by HM 歳入 & Customs under a Freedom of （警察などへの）密告，告訴（状） request made by AJ Bell.
Suter says: ‘The FTSE 100 索引 of Britain’s largest 名簿（に載せる）／表（にあげる）d 在庫／株s is 予測（する） to 産する／生じる 4.2 per cent this year, meaning an 投資家 only needs £12,000 in their マリファナ before they 攻撃する，衝突する the 税金-解放する／自由な （株主への）配当 限界 of £500 from April.
‘But that’s based on the 普通の／平均（する） return, some FTSE 100 companies are 予測（する） to 配達する a （株主への）配当 産する／生じる of 10 per cent or more ― meaning you only need to have £5,000 投資するd in them before you exhaust your 税金-解放する／自由な allowance next 税金 year.’
How much could the 税金 （警察の）手入れ，急襲 cost you?
計算／見積りs from 投資 壇・綱領・公約 Interactive 投資家 show that from April 6 a basic 率 taxpayer who makes a £5,000 伸び（る） on 株 will 支払う／賃金 £200 in 資本／首都 伸び（る）s 税金, while higher 率 taxpayers will have to stump up £400.
一方／合間, the 税金 法案 on £1,000 価値（がある） of （株主への）配当s will be £43.75 a year for basic 率 taxpayers or £168.75 if you 支払う／賃金 the higher 率. 以前 no 税金 would have been payable in these 事例／患者s.
Myron Jobson, of Interactive 投資家, says: ‘The 重要な 削減（する）s to both 資本／首都 伸び（る）s 税金 and （株主への）配当 税金 allowances mean that those with more modest 大臣の地位s held outside a 税金 wrapper ― like an Isa or a 年金 ― 直面する a rising 税金 重荷（を負わせる） as their 投資s grow.’
資本／首都 伸び（る）s 税金 kicks in once an 投資家 decides to sell an 投資 and locks in 伸び（る）s that 越える the 税金-解放する／自由な threshold.
So someone who 投資するd modest 量s and who has seen their inve stments grow 意味ありげに over the years, could 直面する a 相当な 税金 法案 once they sell their 火刑／賭ける, Mr Jobson 警告するs.
Those who start becoming liable for 資本／首都 伸び（る）s and （株主への）配当 税金 will also 直面する the 頭痛 of 完全にするing a 税金 return to 宣言する their returns for the first time.
How a Bed and Isa can （警官の）巡回区域，受持ち区域 the 税金 （警察の）手入れ，急襲?
There are a number of 戦略s 投資家s can use to 合法的に 避ける 支払う／賃金ing 税金 on their 投資s, but one of the most straightforward is known as ‘Bed and Isa’.
The trick’s bemusing 指名する 言及するs to the ‘Bed and Breakfast’ 戦略 which 以前 enabled 投資家s to sell 伸び（る）s up to the 資本／首都 伸び（る）s 税金 allowance one day and buy them 支援する the next, but was 無法者d in 1998.
完全にするing a Bed and Isa 伴う／関わるs selling 投資s in a general 投資 or 貿易（する）ing account, such as 株, 基金s or 投資 信用s, that are not 避難所d from 税金, and すぐに buying them 支援する within a 在庫／株s and 株 Isa. From then on, the 投資s will be fully 避難所d from 税金.
Alice Haine, personal 財政／金融 分析家 at Best 投資する, says: ‘Many people across the UK are 簡単に unaware of the 税金 利益s that come from 保護するing 投資s from 税金 by 持つ／拘留するing them in a 税金 wrapper, such as a 在庫／株s & 株 Isa.
‘Some DIY 投資家s 持つ／拘留する 資産s in a 貿易（する）ing account or even have 株 証明書s sitting in a drawer at home, unaware that transferring them into an Isa will make their 投資s more 税金-efficient.’
What's 伴う／関わるd??完全にするing a Bed and Isa 伴う／関わるs selling 投資s in a general 投資 or 貿易（する）ing account
行為／法令／行動する soon: What you need to know about a Bed and Isa
It 普通は only takes a few days to 完全にする a Bed and Isa, but you will need to have an Isa and a general 投資 or 貿易（する）ing account on the same 壇・綱領・公約.?
That means you’ll need to 許す extra time to open an Isa if you don’t have one already, or 移転 a 貿易（する）ing account on to the same 壇・綱領・公約 as an 存在するing Isa.
Haines 追加するs: ‘If you 持つ／拘留する 株 in 証明書d form, you will need to 移転 them to a general 投資 account with your chosen Isa provider so they can then sell them. This may also take a few days.’
Moving money into a wrapper where it will be 避難所d from 税金 will be a sensible move for most, but there are still 可能性のある 落し穴s to swerve.
Suter says, first you need to check you have enough Isa allowance remaining ― that’s £20,000 全体にわたる for Isas or £4,000 if you’re using a Lifetime Isa to save for a first home or 退職.
‘If you don’t have enough allowance remaining, you will need to spread the 処理／取引 across two 税金 years,’ she says.
‘You’ll also want to factor in how much 資本／首都 伸び（る）s 税金 allowance you have remaining this year.
‘When you sell the 投資 it could 誘発する／引き起こす a 伸び（る） and if this 越えるs your 税金-解放する／自由な allowance, you’ll be liable to 支払う／賃金 税金. Most 投資家s who are trying to 避ける a 税金 法案 altogether, will work out how much of the 投資 they can Bed and Isa ーするために realise 伸び（る）s up to their 資本／首都 伸び（る）s 税金 限界 for the year.’
There will be a 告発（する），告訴（する）／料金 for 完全にするing a Bed and Isa ― but rather than 支払う／賃金ing separate 料金s for the sale and the 購入（する）, you should only 支払う／賃金 a 選び出す／独身 取引，協定ing 告発（する），告訴（する）／料金.
You should also check your 壇・綱領・公約’s 最終期限 for Bed and Isa 使用／適用s. These 変化させる but are usually a week before the end of the 税金 year on April 5.
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.?
| 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, trus ts 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 | ? | ? | |||||
| < a style="font-weight: bold;" target="_blank" class="" rel="nofollow" href="https://med.etoro.com/B13544_A95827_TClick_SDIYMOD.aspx">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 May 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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