MMP148: Tax-efficient investing checklist

This month on MeaningfulMoney, we have dived deep into the world of tax planning, and I have hinted about tax-efficient investing as I’ve gone along. This week I want to give you a comprehensive checklist to everything you need to KNOW and then everything you need to DO to make the most of the many tax planning angles available to you when you are investing.

Tax-efficient Investing

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Tax-efficient investing Checklist

By now, you know how I feel about tax. It’s necessary to pay it, even our duty to pay it in order to contribute to society.

But part of living in a developed economy is that the government uses tax breaks to encourage investing in certain ways. It’s those tax-efficient investing techniques I want to explore today. What I go through today will be all that 98% of you ever need to do.

If you tick off these things you’ll save as much tax as it is possible to save when investing. Any other questions or comment, leave them in the show notes.

Resources mentioned in this show

Blog: Contrived Tax Planning

Checklist: Click the big yellow button below to download the checklist so you can tick off each step

Transcript: As always, there is a full transcript of this show available by clicking the big blue button below:

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I love to read and respond to your comments, so please do join in and share. Question: What capital gains tax planning and inheritance tax planning measures have you taken?

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Hugs and kisses to TimW123 and Rtheyalltaken for their reviews this week – much appreciated folks!

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  • Kelvin Kift

    Hi Pete

    Premium Bonds (PBs) as excellent tax efficient emergency fund

    As you can guess from the above, I use PBs as my emergency fund on the basis that interest rates are low, it is a very safe and accessible investment and you never know what you might win (a bit like Spurs). Over the last 19 months I have earned significantly more than what I would have earned in the best easy access accounts (currently Santander123 + RCI) i.e. I am 49.54% up on simply putting the money in a bank account.

    None of the personal finance podcasters I listen to (and you’re the best) really give much credence to PBs but if you have a significant emergency fund, require tax efficiency, a safe and accessible place and are happy to receive 2 – 4 £25 wins per month then it is not a bad investment tool.

    • Hiya Kelvin – all excellent points. It’s easy to be scathing about Premium Bonds, but I reckon everyone can have a bit of fun with them, and you can of course use them as an emergency-ish fund as they are accessible and tax-free.