Tax Efficient Investing

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Efficient investing for your future

When building an effective financial plan, choosing the right structure for your investments matters just as much as the investments themselves.

The right tax-efficient options can help you retain more of your investment returns - supporting your plans today and for the years ahead.

At Two10, we help you navigate a range of tax-efficient investment vehicles to suit your individual goals, circumstances and time horizon.

Supporting your bigger life plans

Whether you’re planning for retirement, funding children’s education, or building a legacy, making smart use of tax-efficient structures can keep more of your money working towards those ambitions.

Our advice is shaped around understanding your financial goals, your current tax position and the flexibility you need - so your investments continue to support life’s bigger plans.

Tax efficient investing solutions

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A part of the bigger picture

Tax efficiency isn’t about shortcuts - it’s about fitting the right options into your overall financial strategy:

Stocks & Shares ISAs: a simple, flexible option offering tax-free capital growth and income. There’s no tax return required, and you can access funds when needed - making it one of the most effective vehicles for investors.
Investment Bonds: a powerful long-term planning tool. They allow you to defer tax on investment growth and withdraw up to 5% of your original investment each year without immediate tax consequences. Tax is only due when a chargeable event occurs (such as full encashment), and careful planning can reduce the tax impact through top-slicing relief.
Investment Bonds vs General Investment Accounts (GIAs): While a GIA offers the greatest access and flexibility, it does require you to complete a tax return each year. In contrast, investment bonds typically have no ongoing tax reporting requirements for the holder - and when structured effectively, they can help you manage tax liabilities in a more controlled and efficient way.
Inheritance Tax (IHT) Planning: Placing investment bonds within trusts can offer a tax-efficient means of passing on wealth, helping to manage the value of your estate for IHT purposes while maintaining control over how and when funds are distributed to beneficiaries.

Through the right combination of these vehicles - and advice tailored to your personal tax position - we help you build a financial plan that makes the most of your opportunities.

Our local team by your side

At Two10, we believe financial advice should be personal, clear and focused on what matters to you. We take the time to understand your goals - whether that’s building wealth for the future, protecting your family, managing income in retirement, or passing wealth on to the next generation.

Our experienced local team works with clients across the region, providing ongoing advice and support. It's about building a relationship you can trust with a team that knows you, your priorities and the best ways to help you stay on track.

Tax efficient investing

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How we can help with tax efficient investing

Connor, our Head of Financial Planning, discusses tax efficient investing.

The financial conduct authority does not regulate tax and estate planning.

Financial Planning FAQs

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What is tax-efficient investing?

Tax-efficient investing involves choosing the right structures and vehicles to legally reduce the amount of tax you pay on your investments.

Why is an ISA a good option for tax efficiency?

A Stocks & Shares ISA offers tax-free growth and income, plus flexibility - with no tax return required. It’s often a simple first step for most investors.

What are the benefits of investment bonds?

Investment bonds allow tax to be deferred until certain events occur - with annual 5% withdrawal allowances and potential for tax advantages when structured well.

How do investment bonds compare to general investment accounts?

Unlike GIAs, bonds do not require regular tax reporting. They careful planning, they can provide additional flexibility - particularly for long-term planning and estate management.

How can tax-efficient investing support my estate planning?

Investment bonds placed within trusts can help reduce your estate’s taxable value for Inheritance Tax (IHT), while still allowing you to control over how your wealth is passed on.

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Do I need to submit a tax return for all investment types?

Not necessarily. Certain vehicles, such as ISAs and bonds, can reduce the need for ongoing tax reporting - depending on your circumstances.