How to get your finances in shape ahead of big rule changes

How to get your finances in shape ahead of big rule changes

From On The Money by interactive investor

April 9, 2026 · 23 min · Episode 174

About this episode

The episode discusses upcoming tax year changes and how to prepare financially ahead of significant rule changes.

The new tax year brings fresh annual allowances for ISAs and SIPPs. While it always makes sense to invest in a tax-efficient manner, the mantra of ‘use it or lose it’ has arguably never been as important. This is because from the start of the next tax year (6 April 2027) major changes come into force, with unspent pension funds subject to inheritance tax, a reduction in the cash ISA annual allowance to £12,000 for those under the age of 65, and savings tax rates increasing. To discuss the changes and how people can use this tax year to plan ahead, Kyle is joined by Craig Rickman, personal finance editor at interactive investor. Kyle Caldwell is Funds and Investment Education Editor at interactive investor. On The Money is an interactive investor (ii) podcast. For more investment news and ideas, visit www.ii.co.uk/stock-market-news . Important information: This podcast is intended for information purposes only and is not a personal recommendation. Past performance is not a guide to future performance. The value of your investments may go down as well as up, and you may not get back all the money that you invest. Full performance information can be found on the company or index…

People in this episode

Host: Kyle Caldwell

Guest: Craig Rickman

Topics covered

  • tax year changes
  • ISAs
  • SIPPs
  • inheritance tax
  • financial planning

Keywords

  • tax-efficient investing
  • annual allowances
  • pension funds
  • cash ISA
  • savings tax rates

Mentioned in this episode

Organizations: interactive investor

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