Topic
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.
Gilts · Guide
Private investors buy gilts on the secondary market, through a platform, a broker or the DMO's own postal dealing service. Check the clean price, the accrued interest and the yield to maturity before you deal.
Gilts · Explainer
The right comparison is what you keep after tax, and that depends on your tax band and your Personal Savings Allowance. Then weigh deposit protection against government credit, and a fixed term against a market price.
Cash & savings · Explainer
NS&I's prize fund rate is 4.35%, but that is an average and most holders get less. Set against gilts and fixed-rate savings, the comparison turns on your tax band and how much certainty you want.
Corporate & retail bonds · Explainer
A bond is a loan you can trade: fixed payments, a fixed end date and a price that moves against yields. Gilts, corporate bonds and bond funds differ in who you lend to, how you get your money back and how they are taxed.
