Optimising Your Stocks & Shares ISA

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It's worth mentioning that if you run a limited company, you can pay directly into your SIPP from the company account. This avoids corporation tax AND personal tax, but there is then no uplift from the government. However, it is the MOST tax efficient way to save into a SIPP, even better than 40% uplift paying in from your personal account.

In the last 3 months, my investments have returned over an average yearly salary which blows my mind. My ISA is up +16K, SIPP +£25K, LifeTime ISA +£5K, and GIA +£13K. 🤯

What an excellent educational video Ramin. This should be shown to all school and university leavers entering the work arena. In fact I suspect 90% of the UK would benefit from your clear and well explained presentation.

Thank you Ramin, unfortunately didn’t have this knowledge earlier in life, but i can definitely help out my kids & family. Really appreciate your advice!.

Thanks for another terrific video. I retired recently and your videos have been invaluable for guiding my journey . Always objective and detailed information to help with my decisions. Thank you again.

Great Video, not sure if its mentioned in other comments, but another factor for an employee when paying into a company pension, is that the company will also contribute

I recently retired (aged 55) and if I could turn the clock back I would have maxed out S&S ISA for the last 10+ years. Unfortunately I only understood the tax efficiency 5 years ago, when I began maxing. I plan to take £16k per year from my SIPP tax free (as discussed in the video) and top up what I need from my ISA and premium bonds. This tax efficient approach should last me until I'm old enough to get state pension. My SIPP should also generate most of the £16k needed from annual dividends...fingers crossed!

Hello Ramin, another very clear and informative video, glad the fractional shares has been sorted out ,saw a lot of videos about that issue last year , another concern is the state pension the ,amount if only on bare increases ,will soon be hitting the personal allowance, so you could end up paying tax on your state pension eventually.
Maxing out the isa allowance is just a dream for many , myself included, :} anyone you know working on time travel :} i want to rewind :}.

Excellent - I’m now putting 30 % diversion of sipp money into isa global fund.

This video was so slick!

This is an excellent video. Thanks Ramin

Great Video. I try max my ISA out but since the 60k SIPP increase I’ve switch this to try and max out that as much.
I agree it’s very tax efficient when using to withdraw with your 25% tax free sipp.

This is the exact strategy I have help set up my daughter with. She will have a DB pension through her job as a paramedic and she has a ISA's to give her options along with a GIA to help with car and holiday purchases. It' nice to know it's not a bad route to take when you are young.

Very nice, simple and easy to watch and understand video.

Yet another video that is absolutely solid gold. Thanks, Ramin

Great episode Ramin as always, thanks. SIPPs and ISAs combined together are indeed a very powerful tool to financial independence. I think many people in UK including myself would be interested how these two efficient tax wrappers work when you move abroad, (for example popular Spain) for your retirement. Do you then need to close your SIPP/ISA, do you need to pay different taxes, can you still make contributions, and so on.There is very little information on that accross different blogs/vlogs that I follow, so maybe it is a good subject to consider for the future episode. All the best and keep up the good work Sir.

Merci Ramin jaan, informative as always

Thank you Ramin

As always great work