This is Money Podcast What you need to do with your Isa and pension before the tax year ends
22 snips
Mar 27, 2026 Quick-fire guidance on using your ISA and pension before the tax year ends. Practical talk about drip-feeding lump sums, parking cash inside ISAs and bed-and-ISA moves. Discussion on pension allowances, tax relief tricks and carry-forward options. Plus what went wrong at NS&I, soaring food prices, tradespeople earning six-figure incomes and where interest rates might head next.
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Simon’s Race To £10,000 Losing To An Investing Monkey
- Anecdote: Simon is momentum trading to turn £500 into £10,000 and admits he's down about £31 while the investing monkey is outperforming.
- He contrasts momentum trading losses with the monkey's random picks and mentions colleagues running the experiment.
Use Bed And ISA To Protect Future Gains
- Do consider bed and ISA transfers before 5 April to shelter future gains from capital gains and dividend tax.
- Simon explains selling holdings outside an ISA, crystallising gains within your CGT allowance, then buying them back inside an ISA.
Cash ISA Cut Creates Perverse Penalties For Parking Cash
- Insight: Cutting the cash ISA limit creates perverse incentives and penalties for holding cash‑like assets inside stocks and shares ISAs.
- Simon warns platforms and regulators may punish holding money market funds or moving between ISA types, reducing flexibility.