How to get your finances in shape ahead of big 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 . 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 summary page on the interactive investor website. The ii Personal Pension (SIPP) is for people who want to make their own decisions when investing for retirement. Usually, you won’t be able to withdraw your money until age 55 (57 from 2028). If you are in any doubt about the suitability of the ii Personal Pension (SIPP), Stocks & Shares ISA, Trading Account, and/or any related tax treatment of these products, you should seek independent financial advice. Interactive Investor Services Limited is authorised and regulated by the Financial Conduct Authority.

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How to get your finances in shape ahead of big rule changes is an episode from interactive investor by interactive investor.

This episode is 23:08 long.

This episode was published on Apr 9, 2026.

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