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Investment wrappers

Individual Savings Account (ISA)
General Investment Accounts (GIA)
Pension
Rainy-day pot

Investments

Bonds & fixed income
Dividend
Fund
Stocks
Interest

Key pension facts

Auto-enrolment
Contribution
Drawing benefits
Triple lock
State Pension

Pension transfers

Things to check before you transfer a pension
Transferring a pension to Raindrop

Recent pension developments

Collective Defined Contribution

Regulation

Financial Conduct Authority
IR35
Prudential Regulation Authority (PRA)
The Pension Regulator (TPR)
Department for Work and Pensions (DWP)

Tax

Annual allowance
Capital gains tax
Corporation tax
Income tax
Inheritance tax

Types of pensions

Contract-based pension
Defined Benefit (DB)
Defined Contribution (DC)
Net-pay schemes
Personal pension

Withdrawing from a pension

Annuity
Crystallised pension
Drawing benefits
Flexi-access drawdown (FAD)
Money Purchase Annual Allowance (MPAA)

Capital gains tax

Tax

A tax levied on profits you make on investments.You normally pay tax on the difference between the purchase and selling price, assuming that difference is positive.

The tax rate can be as high as 28% for residential property and 20% for other assets (e.g. stocks).

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Raindrop ® is a trading name of Raindrop Technologies Holdings Ltd (FRN: 931052) an Appointed Representative of Resolution Compliance Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 574048). Raindrop Technologies Holdings Ltd is registered in England and Wales. Number: 12431555. Registered office: Runway East London Bridge, 20 St Thomas Street, London SE1 9RS, UK.