Financial Planning – Portfolio Tax Mitigation

How can investors with an investment and ISA portfolio increase their after tax returns without changing the asset allocation of their overall portfolio?

Good investment advice is essential but the tax planning and portfolio structuring advice outlined below will increase after tax returns for many clients.

  1. Use ISAs to invest in risk diversifying bond funds before investing in equity funds
  2. Use Capital Gains Tax allowance’s every year
  3. Allocate the lowest yielding funds to the higher rate tax payer
  4. Manage one family portfolio rather than separate portfolios to better take advantage of differing personal tax rates and to utilise all available capital gains tax allowances. This reduces dealing costs too!

The extent to which after tax returns are increased varies but this is one win amongst many for Tower Hill Associates’ clients signing up for the Independent Financial Planning Service.

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