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Lifestyle Pensions
Stakeholder Pension
· Tax-efficient way to save
· Pay no income tax on contributions up to £50,000 of your salary
· Access your money at 55 and take 25% of you pension pot tax free
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Lifestyle Savings
Stocks & Shares ISA
· Invest up to £11,280 per year
· All profits are free from personal income and capital gain taxes
· Access to your savings at any time
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Investment Funds: Unit Trusts/OEIC
· If you have used up your ISA allowance
· Unlimited investment. Unlimited access. No special tax treatment
· But remember: you have an annual allowance to set against capital gains
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