Money Observer team

New tax year 2019/2020: Tax and personal allowance changes

As the new tax year rolls around, here are the major changes that may hit your pocket from April 6 for the 2019-2020 tax year. 

Income taxes

The personal allowance, or the amount you can earn tax-free before you start paying income tax, will rise by £650 to £12,500. Pensioners won’t receive a higher personal allowance than other age groups.

You will pay basic rate tax (20%) on your taxable income between £12,500 to £50,000. This means you can earn up to £50,000 before you start paying higher rate tax (40 per cent).

The lang cat guide to Isa investing 2019 is the cat’s whiskers

We don’t normally flag up guides produced by other people – it’s our job to write this stuff, after all – but we decided to make an exception in this case.

The lang cat’s short, impartial guide to Isas must be the most jargon-lite and entertaining introduction to investing out there, so it’s a great starting point for anyone new to using their Isa allowance, or indeed new to the stockmarket generally. Cat lovers in particular may be seduced by the pictures.

Your Fund Choices 2019: how to order

Your Fund Choices 2019 provides comprehensive analysis on 201 actively managed Rated Funds and Investment Trusts selected by the Money Observer team of experts, as well as 66 passive choices. Every one has been rigorously reassessed to make sure that it still earns its place on the Money Observer Rated Funds shortlist.

How to invest in the stock market: a beginner’s guide

Investing in the stock market can appear daunting to a beginner, but equities beat cash and bonds over most medium and long-term periods.

To a beginner, the stock market can appear rather daunting. But equities outperform cash and bonds over most medium and long-term periods and easy routes in are not hard to find.

In reality, with dismal returns on offer from banks and building societies, investing in shares provides an opportunity to hedge against rising inflation and achieve greater returns than cash, bonds and property.

The hunt for global dividends: why clever income-seekers are digging for victory

Income seekers have good reason these days to cast their investment nets much wider than the UK’s markets: not only do they avoid the increasing risk of excessive concentration within a few key high-paying blue-chips, but they can also get exposure to the growing dividend culture in other parts of the world.  The August issue of Money Observer leads with a region-by-region assessment of prospects for dividend-hunters in the US, Europe, emerging markets and Japan, and draws some encouraging conclusions.