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Cash & savings · Analysis
Savers put £95.6bn into cash ISAs in 2024 to 2025, more than two and a half times the £37.2bn that went into stocks and shares ISAs. From 6 April 2027 under-65s can put only £12,000 a year into cash.
Gilts · Analysis
5.76%: the 20-year gilt yield on 7 October 2026, the highest in Bank of England data going back to 2000. The 10-year yield, at 5.39%, is the highest since July 2007.
Tax and wrappers · Analysis
28 October 2026 is Budget day, and 11 tax changes for investors are already law before the Chancellor speaks. They run from higher dividend tax since April 2026 to a £12,000 cash ISA limit for under-65s from April 2027.
VCT, EIS & SEIS · Analysis
£276m was raised under SEIS in 2024 to 2025, up 14% on the year before, according to HMRC statistics published on 21 May 2026. Growth has slowed since the April 2023 expansion, and the latest two years of figures are provisional.
VCT, EIS & SEIS · Analysis
On a £10,000 stake, SEIS relief cuts the money at risk to £5,000 and EIS relief to £7,000 before loss relief. If the company fails, an additional-rate taxpayer loses £2,750 net under SEIS and £3,850 under EIS: the reliefs change the size of the bet, not the odds.
