{"id":36977,"date":"2025-01-27T14:16:58","date_gmt":"2025-01-27T14:16:58","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/?p=36977"},"modified":"2026-05-26T18:25:19","modified_gmt":"2026-05-26T18:25:19","slug":"five-ways-to-make-the-most-of-the-end-of-the-tax-year-2025","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-uk\/insights\/five-ways-to-make-the-most-of-the-end-of-the-tax-year-2025","title":{"rendered":"Five ways to make the most of the end of the tax year 2025"},"content":{"rendered":"\n

With just weeks to go before the end of the tax year on 5 April, check that you\u2019re making the most of your annual allowances.<\/p>\n\n\n\n

By reviewing your financial situation before the end of the tax year, you can make use of your current available allowances to help grow your wealth.<\/a><\/p>\n\n\n\n

Here\u2019s a rundown of some of the allowances you might want to make use of over the coming weeks.<\/p>\n\n\n\n

1. Use your ISA allowance<\/h3>\n\n\n\n

You can put up to \u00a320,000 into tax-efficient individual savings accounts (ISAs)<\/a> in the current tax year. Your gains within an ISA are free from capital gains tax (CGT) so it makes financial sense to use this allowance, particularly if you\u2019re a higher or additional-rate taxpayer. Also, no income tax is payable on interest or dividends received within an ISA. If you\u2019re married or in a civil partnership, you could save more between you, effectively doubling your combined allowance to \u00a340,000.<\/p>\n\n\n\n

You may choose to follow the so-called \u2018bed and ISA\u2019 process, which involves selling non-ISA investments to realise a capital gain and then buying these back immediately inside an ISA. This will enable future gains to remain CGT exempt. However, you may want to seek financial advice before using this tactic. Bed and ISA may involve a short period out of the market which could potentially affect your investment gains.<\/p>\n\n\n\n

2. Boost your pension<\/h3>\n\n\n\n

Checking how much you\u2019ve paid into your pension so far this tax year could flag an opportunity to increase your retirement savings<\/a>. The maximum tax-relievable amount you can save into a pension each tax year is \u00a360,000 or 100% of your earnings (whichever is lower). However, your pension annual allowance may be smaller if you are a high earner. For every \u00a32 your \u2018adjusted income\u2019 exceeds \u00a3260,000 a year (and your \u2018threshold income\u2019 is more than \u00a3200,000 a year), your annual allowance reduces by \u00a31.<\/p>\n\n\n\n

Note that the minimum reduced annual allowance you can have in the current tax year is \u00a310,000. Your pension annual allowance applies to both your personal and workplace pension contributions. If you breach the allowance, you\u2019ll be liable to pay tax charges.<\/p>\n\n\n\n

It\u2019s important to note that if you\u2019re not working but are under age 75, you are still able to contribute to a pension and receive income tax relief. You can pay up to \u00a32,880 each tax year into a pension, boosted by tax relief to \u00a33,600.<\/p>\n\n\n\n

3. Make financial gifts<\/h3>\n\n\n\n

You have a certain amount of money that you can give away each year that won\u2019t be liable for inheritance tax (IHT)<\/a>. This allowance may also be something you want to make use of before the end of the tax year.<\/p>\n\n\n\n

You can give away up to \u00a33,000 each tax year without this money being included in the value of your estate for IHT purposes. You can also give as many \u00a3250 gifts per person as you want during each tax year, provided you haven\u2019t already given a gift to the same person using your \u00a33,000 exemption.<\/p>\n\n\n\n

If you want to give a larger lump sum to your children, for example, to put towards a property deposit or for any other purpose, this money may be exempt from IHT provided you live for at least seven years after making the gift. Such gifts are called \u2018potentially exempt transfers\u2019 (PETs).<\/p>\n\n\n\n

4. Use your CGT allowance<\/h3>\n\n\n\n

You can make tax-free gains of up to \u00a33,000 in the current tax year. This allowance can\u2019t be carried forward into the next tax year, and it\u2019s important to make the most of it to reduce future CGT liabilities. A wealth manager can help you use this allowance.<\/p>\n\n\n\n

Couples who are married or in a civil partnership can transfer assets to one another without creating a gain.<\/p>\n\n\n\n

Zoe Gillespie, Wealth Manager and Director at RBC Brewin Dolphin, says: \u201cTransferring assets between spouses enables you to use both annual CGT exemptions. Make sure you are using other available allowances too, such as your ISA allowance, as gains are exempt from CGT. You may have unused losses from previous tax years that could also be offset against gains to reduce your CGT bill.<\/p>\n\n\n\n

\u201cInvestments held within a pension are also exempt from CGT.\u201d<\/p>\n\n\n\n

In the 2025\/26 tax year, basic-rate taxpayers pay CGT at 18%, while higher and additional-rate taxpayers pay CGT at 24%.<\/p>\n\n\n\n

5. Consider your income tax personal allowance<\/h3>\n\n\n\n

Everyone has a personal allowance, which is the amount of money they can earn each tax year without being liable to tax. The personal allowance in the current tax year is \u00a312,570.<\/p>\n\n\n\n

If you\u2019re married or in a civil partnership, you may want to move some of your assets into the name of the person who is the lower-rate taxpayer or who doesn\u2019t work, so you can minimise your tax liability. If your income is lower than the personal allowance, the marriage allowance may allow you to transfer up to \u00a31,260 to your partner. You are unable to carry any unused personal allowance forward to the next tax year.<\/p>\n\n\n\n

 <\/h3>\n\n\n\n

Get expert advice<\/h3>\n\n\n\n

Tax is a complicated subject, so seeking professional advice from a wealth manager and a tax adviser is recommended. They will help ensure you\u2019re maximising all your tax reliefs, allowances and exemptions, explain your options, and advise on the best course of action for your individual circumstances. <\/p>\n\n\n\n

Find out more from our dedicated support team calling us on 020 7246 1111. Opening hours are Monday to Friday 9am to 5pm.<\/p>\n\n\n\n

\n\n\n\n

The value of investments, and any income from them, can fall and you may get back less than you invested. This does not constitute tax or legal advice. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. You should always check the tax implications with an accountant or tax specialist.<\/strong> Information is provided only as an example and is not a recommendation to pursue a particular strategy.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

As the tax year is coming to an end, here are five ways to make the most of your annual allowances.<\/p>\n","protected":false},"author":97,"featured_media":36980,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcbd_featured_desktop_image_position":"","rbcbd_featured_mobile_image_position":"","footnotes":"","jetpack_post_was_ever_published":false},"categories":[661],"tags":[],"rbcwm_content_owner":[],"rbcwm_need":[768,769],"rbcwm_segment":[792,772],"rbcwm_solution":[758],"rbcwm_topic":[114,757],"rbcwm_channel":[99,781],"rbcwm_format":[779],"class_list":["post-36977","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tax-strategies","rbcwm_need-grow","rbcwm_need-secure","rbcwm_segment-corporate-executives","rbcwm_segment-individuals","rbcwm_solution-wealth-planning","rbcwm_topic-investing","rbcwm_topic-wealth-planning","rbcwm_channel-private-clients","rbcwm_channel-uk-individual","rbcwm_format-article"],"acf":{"rbc_ct_service":"s2","rbc_ct_theme":"s2_th4","rbc_ct_topic":"s2_th4_ta1","rbcwm_subtitle":"As 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