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- Once an agent joined, the tone was well mannered and the answers had been correct, however they checked details before replying, which slowed the trade even further.
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This has been carried out to ‘encourage younger people to invest’. As an example, if you’ve £20,000 and would pay tax on it, you’d earn £950 in the high money ISA, however after fundamental 20% tax just £720 within the prime regular financial savings account (£540 after greater 40% tax, £500 after high 45% tax). At today’s prime easy-access charges you’d need over £20,000 to generate £1,000 interest, so only basic-rate taxpayers with more would pay tax (for higher-rate taxpayers, it’s half that). Start by watching Martin’s video explainer on how most people miss out on utilizing financial savings tax allowances, which is a simple method to understand this matter rapidly.
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