The benefits of building a tax-efficient portfolio can be huge and at times can far outweigh the returns that can be generated from the underlying investments.

The UK tax system is notoriously complex and at times it may feel like tax is unavoidable. However, there are several products and allowances that together can help your money work harder, growing for your benefit, whilst minimising the tax you ultimately pay.


Using Your Tax Allowances

You may be able to benefit from the following allowances:

  • Income Tax
  • Capital Gains Tax
  • Dividend Tax
  • Contributions into Pensions, ISAs and other efficient investments

Whilst some of these may appear small, building an efficient financial plan and portfolio that takes advantage of these allowances on an ongoing basis can make a huge impact on long-term performance.


Tax Efficient Investing

Whether it is using ISAs and bonds, taking advantage of your Capital Gains Allowances, or developing more complex pension contribution strategies and tax-advantaged investments, our financial planning service can help you build an efficient portfolio. Typically, this may include using:

  • ISAs
  • Pensions
  • General Investment Accounts
  • Bonds
  • EIS / VCT / SEIS Tax Advantaged Investments
Credo Wealth

Creating and preserving wealth for future generations is a different journey for each client. At the outset of your journey with us, you will be introduced to your personal Relationship Manager who will be your primary contact. Your Relationship Manager will guide you through Credo's investment process, including understanding your investment objectives, risk profile and financial needs.