Tax-efficient Products

There are a number of financial products available that help to make sure you are not paying any more tax than you need to; and the experts at Equilibrium can advise on which are the best and most suited to you. We can help you make the most of the tax-efficient products that can benefit the financial futures of you and your family.

To find out more about how our team can help you make the right tax-free savings and investments, get in touch today. Simply call us on 0808 156 1176 or complete our online enquiry form and we will give you a call back. We have offices located in Wilmslow and Chester.


Individual savings accounts (ISAs) are used either to save cash or to invest in stocks and shares and represent a tax-efficient way of doing so. Cash ISAs and Stocks and shares ISAs were merged into a single ISA in 2014, and money can be paid into either a Cash ISA or a Stocks and shares ISA, or a combination of the two.

ISAs currently have an allowance of £15,240 and are highly tax efficient because you are not required to pay any Income Tax on the dividends or interest you receive from this type of account.

ISAs can come in various forms, including:

  • Flexible ISAs - Accounts that offer greater flexibility, with customers able to withdraw and replace money (introduced in April 2016).

  • Help to Buy ISAs - Designed to help first-time buyers be able to purchase their first home by offering a tax break up to a maximum of £3,000 that sees them receiving £50 for every £200 saved, up to a maximum of £12,000.

  • Junior ISAs - Family and friends can pay into a Junior ISA for a person under 18 years of age, with no Income Tax or Capital Gains Tax payable on the interest or investment gains. The payment is currently capped at around £4,000 per tax year.

  • Lifetime ISAs - Available from April 2017, lifetime ISAs are only available to those aged between 18 and 40 and allow users to save up to £4,000 each year and benefit from a 25% government bonus, with the money either used to save for a first home or for retirement.


The advantages of building up a substantial pension pot are well known. Perhaps less well known are the tax advantages that pension schemes can bring. These benefits include:

  • The growth of your pension is virtually tax-free
  • You receive tax relief when paying into your pension
  • You have the option of withdrawing a portion of your pension fund as a tax-free lump sum

The tax relief you receive will either serve to reduce your tax bill or increase the amount of money paid into your pension scheme, depending on the type of scheme you have joined.

National Savings and Investments

National Savings and Investments (NS&I) is a savings bank backed by the government that is able to offer a number of tax-free savings products. These include Cash ISAs and children's bonds, while you can also win tax-free prizes from premium bonds.

Banks and Building Societies

A personal savings allowance introduced in April 2016 means that bank and building society customers are not required to pay tax on the first £1,000 they earn from their savings.

Capital Gains Tax Exemptions

You do not need to pay Capital Gains Tax - a tax on the gains made when selling an investment or property that has risen in value - on certain items and investments. Find out more here.

Contact Us Today

Learn more about our services and how we can help you choose the right tax-efficient products by getting in contact today. Simply call us on 0808 156 1176 or leave your details via our online enquiry form and we will give you a call back. Our team has help many clients throughout the North West, including Manchester and Cheshire.