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Give and save Giving to charity can result in a win/win or both the donor and the charity where the git is made under Git Aid. A Git Aid donation will reduce the tax payable or the year in which the git is made, but it is possible to shit that tax beneft back a year. This can only apply i the git precedes the fling o the tax return or that earlier year. For example, a git made on 31 December 2014 can reduce the 2013/14 tax liability which is due on 31 January 2015, i the 2013/14 tax return is submitted in January 2015. I your top rate o tax in 2013/14 was 45%, and your highest rate in 2014/15 is 40%, you may want to carry back Git Aid relie rom gits made in 2014/15 to 2013/14. Git Aid can also reduce your income used to calculate the clawback o child beneft (income over £50,000) and the reduction in personal allowances (income over £100,000). Git Aid doesn’t aect the cap on setting losses against other income (income over £200,000). To avoid the loss relie cap, advancing a pension contribution may be a better option. Giving quoted shares or land produces both income tax and capital gains tax (CGT) relies. Say you give shares worth £50,000. This generates an income tax reduction o £20,000 (or a 40% taxpayer). I the shares would otherwise produce a taxable gain on disposal o say £16,000 (ater your CGT annual exemption), you can also save CGT at 28%, that’s £4,480. So the charity receives £50,000 or a cost to you o only £25,520. • NISA ways to save Most people need to save or something: university ees, retirement, house repairs, or just an ‘emergency und’. For a long-term goal, a pension scheme may be the best vehicle. New Individual Savings Accounts (NISAs) give shorter-term access to your money as well as tax breaks. Each UK resident adult can deposit up to £15,240 in a NISA rom 6 April 2015 (limit was £15,000 rom 1 July 2014). The investments in the NISA can be held in stocks and shares, or in cash, in any proportion you determine. Income and capital gains arising in any kind o ISA are tax-ree. A person aged 16 or 17 can open a cash ISA, investing up to £15,240 in 2015/16 (£15,000 or 2014/15). Beware o making signifcant contributions to your child’s ISA i they are still under 18, because i you provided the unds and the interest exceeds £100 p.a., that will count as your taxable income, not your child’s tax-ree income. A ‘Junior ISA’ can be opened or any UK resident child aged under 18 i they don’t have a Child Trust Fund (CTF) account. Anyone, even the parents, can deposit up to £4,080 into the child’s junior ISA in 2015/16 (£4,000 or 2014/15) without tax charges. From 6 April 2015 it will be possible to transer unds rom a CTF to a Junior ISA. You can switch your savings between dierent NISA providers, i you ask the manager to do this or you. • ACTION POINT! Does your savings strategy match your goals? Tipping points When your total income reaches certain thresholds it tips any extra income into a band where a higher rate o tax is charged. This can happen at some unexpected points due to the withdrawal o allowances or the claw-back o benefts. I your total income in this tax year or the next year is expected to hover around one o those tipping points, you could save money by moving income or deductions rom one year to the other. For example, i you are a 20% taxpayer in 2014/15, but expect that a bonus in March 2015 will tip you into 40% tax or this year, you could ask your employer to postpone the bonus payment to ater 5 April 2015. You’ll pay the tax on that income later, and you may stay out o the 40% band as the 40% threshold will be higher or 2015/16. The main thresholds are (2014/15 fgure frst, then 2015/16): • Basic personal allowance: £10,000 rises to £10,600 – basic rate tax starts • Higher rate threshold or income: £41,865 rises to £42,385– 20% rate rises to 40% • Transer o allowance between married couple / civil partners: where recipient has income less than £42,385 (not available in 2014/15) • Child beneft clawback: income between £50,000 and £60,000, ater pension contributions or charitable donations – (no change or 2015/16) • Withdrawal o personal allowance: income between £100,000 and £120,000 (£121,200 in 2015/16), ater pension contributions and charitable donations • Additional rate: income above £150,000 – 40% rises to 45% (no change or 2015/16) I your income alls in the band in which your personal allowance is withdrawn, your marginal income tax rate is eectively 60%, plus 2% national insurance. For child beneft clawback the marginal rate can be much higher, depending on the amount o beneft received. This makes the tax saving on shiting income or deductions even more valuable. Income that can easily be moved rom year to year includes: • bonus or salary rom your own company • dividends rom your company • distributions rom discretionary trusts It’s also possible to adjust the timing o deductions or Git Aid charity donations or pension contributions rom year to year, as these can increase the value o a threshold that tips you into the higher tax rate. • ACTION POINT! Do you want to make charitable donations beore you complete your tax return? ACTION POINT! Consider moving income or deductions around 5 April 2015. Planning gains Most people have an annual exemption or capital gains tax (CGT) o £11,000 (£11,100 or 2015/16). This is wasted i you don’t make capital gains in the tax year. You can’t transer any part o your unused exemption to a dierent tax year or pass the beneft o it to another person. Say you pay income tax at 40% and you make a gain o £66,000. Ater your annual exemption is deducted you will pay CGT o £15,400 (28% x £55,000). I the assets you hold can be split into separate chunks, so that each sale produces a gain o less than £11,000, spreading the sales over six tax years means you will pay no CGT at all. Portolio managers oten sell one holding o shares and buy something else near the end o the tax year to trigger gains and losses. The tax saving almost always outweighs transaction costs. It’s important to make sure your investment manager knows i you have realised gains on other assets. I you’ve used up your annual exemption elsewhere, the switching plan won’t save you any tax. • ACTION POINT! Are you taking full advantage of the CGT exemption?
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