UK Investment Ideas
This article is all about some good investments available in the U.K. the ways to reduce your tax bill and improve your return: from simple saving accounts to more obscure investments like Zero Dividend Preference Shares and Investment Trust Warrants.
I have also written a separate (non-UK) article here:
More General non-Uk Specific Articles...
Please see the links to my related articles below, which go into a lot of detail about each type of investment.
UK Investment Ideas
- Tax Free Investment
- Premium Bonds
- UK Investment Books
- ISAs (and PEPs)
- CafePress
- UK Personal Pensions and SIPPs
- UK Pension Books
- Non-tax-free Investing
- Investment Trusts
- Investment books
- Zero Dividend Preference Shares
- More Investment Ideas
- Investment Trust Warrants
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- About Me...
Avoid Tax
(Legally)
Tax Free Investment
Some forms of investment are tax-free or at least have a reduced tax liability: Premium bonds; ISAs; Personal Pensions (and SIPPs); Gold Sovereigns and some have generous allowances. I shall deal with the tax-free products first.
Premium Bonds
The thinking person's lottery? Tax free prizes, your money back at any time and completely backed by the UK gouvernment, but are they still good value?
Despite the tax-free return and the complete safety of your investment these are looking less good now for anyone except a higher-rate tax payer.
See the full article:
National Savings and Investment Premium Bonds
UK Investment Books
ISAs Made Easy
Amazon Price: (as of 12/16/2009) 
How to Avoid Tax on Your Stock Market Profits
Amazon Price: $46.95 (as of 12/16/2009)
ISAs (and PEPs)
UK Individual Savings Accounts (ISAs)Individual Savings Account or ISAs (formerly knows as PEPs - Personal Equity Plans) are tax free... well almost.
ISAs are probably the best tax-break available to most investors, both for cash and for equity/bond investment. I have written an article giving a full, in-depth analysis of ISAs and alternative investments.
Read the full article here:
UK Individual Savings Accounts (ISAs)
CafePress
UK Personal Pensions and SIPPs
Get a full income tax rebate on investments into a UK personal pension, but in exchange lose access to your money until you are 55 years old. Income from a pension is taxable when you take an income after retirement (unlike an ISA where the gains/income may be taken at any time)Read the full article and pros/cons versus ISAs here:
UK Personal Pensions
UK Pension Books
Pensions Handbook of the Uk
Amazon Price: (as of 12/16/2009)
Fundamentals of Private Pensions
Amazon Price: $75.27 (as of 12/16/2009)
Personal Pensions
Amazon Price: $124.72 (as of 12/16/2009)
Pension Economics
Amazon Price: $58.86 (as of 12/16/2009)
Pension Risk Matters
Amazon Price: $0.99 (as of 12/16/2009)
Non-tax-free Investing
Use your capital gains tax-free allowance with the following investments
Investment Trusts
Low cost investments similar to unit trusts, OEICs or Mutual Funds. They are generally not promoted by advisors because they don't pay commission and have lower annual charges - as a result they tend to outperform. There are other advantages and disadvantages.Read the full article here:
Investment Trusts
Investment books
Rich Dad Poor Dad: What the Rich Teach Their Kids About Money-That the Poor and the Middle Class Do Not!
Amazon Price: $7.99 (as of 12/16/2009)
Rich Dad, Poor Dad for Teens: The Secrets About Money--that You Don't Learn in School!
Amazon Price: $4.95 (as of 12/16/2009)
Rich Dad's Conspiracy of the Rich: The 8 New Rules of Money
Amazon Price: $9.35 (as of 12/16/2009)
Rich Dad's Guide to Investing: What the Rich Invest in, That the Poor and the Middle Class Do Not!
Amazon Price: $12.99 (as of 12/16/2009)
Rich Dad Poor Dad -
Amazon Price: (as of 12/16/2009)
Zero Dividend Preference Shares
Almost Crashproof? Absolute return?
Zeros are a safe equity investment with a target of acieving an absolute return - capital gain and no dividend makes them tax efficient for many. Zeros are shares in an investment company with a predefined end-date and value. The zero share holders are paid first before other classes of share holder making them safer:Here is a full article about how to value and invest in zeros:
Zero Dividend Preference Shares
More Investment Ideas
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Investment Trust Warrants
Investment Trust Warrants are a derivative of investment trusts, usually issued on the launch of the IT as a sweetener for the initial investors: They are call warrants on the value of the IT, which can itself trade at a discount or premium to the underlying assets (usually a discount), so generally an IT will initially sink in value after launch, but the warrant gives a geared (leveraged) play on the value of the company, exercisable at a date some years in the future, but tradable in the mean-time via a broker.Here is the full article about this rare derivative investments:
Investment Trust Warrants
Please Leave Some Feedback
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Reply
- Craig_Miller Craig_Miller Oct 14, 2009 @ 5:12 pm
- Nice ideas taking into account current recession.
online forex trading
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- JaguarJulie JaguarJulie Jul 1, 2009 @ 10:15 am
- Let me know Andy when you have a USA finance! I want to recoup my lost investment in my 401k. Before I retire. ;)
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- Global_B2B Global_B2B Feb 8, 2009 @ 2:50 pm
- You are part of my B2B Marketplace Headquarters business group so I thought I'd let you know about a new service I intend to start in a few days.
I'm inviting you to become a subscriber to my weekly newsletter (free). Details on http://www.squidoo.com/groups/b2b-marketplace. Secure yourself a free membership!
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- Global_B2B Global_B2B Jan 14, 2009 @ 6:33 am
- Thanks for joining my group: B2B Marketplace. You have a great lens here! 5*
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- poddys poddys Jan 9, 2009 @ 8:17 pm
- Very good information about UK investments. 5*****
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Lensmaster AndyPo has been a member since July 7 2008, has rated 1,977 lenses, favorited 1,900, and has created 205 lenses from scratch. This member's top-ranked page is "The Rocky Mountaineer Train, Canada". See all my lenses
My Bio
Hi, I am Andy. I live in the U.K. but have worked and travelled all over the world. I am a semi-professional wildlife and travel photographer (i.e. I sold a couple of photos once), semi-retired consultant physicist (i.e. unemployed boffin) with a keen interest in finance (i.e. get rich quick..ly):
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Investing in National Savings Premium Bonds
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After many years of traveling the world and taking photos, mostly of wildlife and nature and I have published some of them in a Zazzle Gallery. Here is a selection of some of these photographs and links to the associated Zazzle productions; cards and... view lens -
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- Great Investment and Money Making Ideas
Have you ever been stuck for investment ideas? What should I invest in at the moment? Which stocks are good value? Which markets or investment vehicles should you invest in?This article attempts to cut through some of the jargon and provide some safe... view lens
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