The Definitive Guide to Paying Less Tax
Contributed by Tuchbands
15 February, 2018

Nobody likes paying tax but it is something almost all of us have to do. We would all like to pay a little less tax to the tax authorities but we often overlook simple ways of doing so. It doesn't help that the UK tax rules are complicated but, fortunately, there are a variety of easy ways that you could reduce your annual tax bill. Whether you are an individual employee or a business owner, a pensioner or an investor, this guide to paying less tax contains something that could help you reduce your tax bill.
Personal allowances and business allowances, if used carefully, can save you significant sums of money each year and they are all perfectly legal and acceptable ways to pay less tax and still comply with the tax laws and regulations. This is legal tax avoidance not tax evasion, which is illegal.
PERSONAL TAX
Spouses & Partners
Investments
There are three different income tax brackets so if you have investments or savings and one spouse or civil partner pays a higher tax rate than the other, a simple way to reduce your combined tax bill is to transfer some investments to the lower earner. Be aware that this does mean that the higher earner would have to relinquish control over the investments so it does need some serious thought and require full trust between the two partners. Even if you only have a small amount of savings or investments the tax saved can mount up quickly.
Personal Allowance
If one partner has no income, or a low income below the personal tax-free allowance, they can transfer 10% of their personal allowance to their partner as long as the partner is not a higher rate tax-payer.
High Earners
High earners at a certain level of income will no longer receive a tax-free personal allowance but such high earners can retain this allowance by transferring savings or investments that produce an income to their spouse or civil partner to reduce their own annual income. Alternatively they can make contributions into their own pension to bring their annual income below the relevant threshold.
Letting Residential Property
Allowable Expenses
Certain expenses incurred when letting out a property are tax-deductible so make sure you are claiming for all of the following:
- Letting Agent's fees
- Accountant's fees
- Buildings and contents insurance
- Part of the interest payable on any loan taken out to purchase the property
- Maintenance and repairs but not improvements
- Utility bills such as gas, water and electricity
- Services included in the rent, for example the services of a gardener
The cost of furnishing a residential property is not tax-deductible in the UK, but there is an allowance for wear and tear on fixtures, fittings and furnishings so, again, make sure you claim this for items including:
- Soft furnishings such as sofas, armchairs, beds and mattresses
- Carpets and curtains
- White goods such as washing machines, tumble driers and dishwashers
Rental Losses
If you rent out a property but do not make a profit after allowable expenses then report those losses to HMRC because they can be set against possible future profits from the property in subsequent years and reduce your future tax liability.
Private Lettings Relief
If you let out a house or apartment that used to be your main home then you are entitled to tax relief on a portion of any gain when you sell the property. You just need to include this relief when you calculate the capital gain when you have sold the property. If you own it jointly with someone else then the current relief amount is doubled.
Holiday Lettings
A Furnished Holiday Let is treated differently for tax purposes than a regular rental property and is considered as a trade for tax purposes. This means that allowable expenses do include capital expenditure such as furniture. Other advantages include the way a holiday let is treated for tax purposes when it is sold. It is, therefore, possible to minimise your tax liability by ensuring that all allowable expenses are used and that tax allowances are claimed where possible.
Capital Gains
Everyone is entitled to a capital gains tax annual exempt amount so if your spouse or civil partner will not use their own allowance it is worth transferring some of your assets to them. Assets such as a property do not have to be transferred into a single name so could be held in joint names which would double the tax exempt amount but you would still retain some control over the assets. This is only possible between legal partners i.e. married couples or those in a civil partnership.
Anyone with a portfolio of investments generating a capital gain should consider selling some each year where the gain is below the current CGT exempt threshold. This way you can take tax free profit from your portfolio over a period of time. Clearly the timing of any sale is crucial for saving tax.
Capital Losses
If you have invested in a property or business that has fallen in value then those losses can be offset against any capital gains you have made from other investments. If you have not made any capital gains in the same year they can also be or carried forward until you do make a capital gain. However, you must declare the losses on your Tax Return within four years.
Interest on Savings
One of most obvious ways to reduce the amount of tax you pay if you are not a UK tax payer (i.e. a non-resident or someone with a tax exempt income) is to ensure you are not paying tax on your savings account interest. All interest in UK banks and building societies is paid with tax at the basic rate already deducted so you have to register with HMRC to have the interest paid tax free. However, this is a simple process that any bank or building society can help you with. This should also be done for any savings accounts your children hold.
ISAs
In the UK an Individual Savings Account (ISA) provides tax free interest on savings and investments up to a certain annual limit. Anyone can take advantage of an ISA, even without any experience or knowledge of investing as there is an option of a cash ISA in addition to stocks and shares ISAs (which also benefit from being free of capital gains tax). So make sure you use your full tax-free ISA allowance each year and remember to look at Junior ISAs for your children.
National Savings Certificates
Whilst they don't typically provide particularly competitive interest rates, interest earned is tax-free so they can be useful for higher rate tax payers who would otherwise be paying the higher rate of tax on their interest.
Pay into a Pension
Paying into a workplace pension, or increasing your current contributions, can help lower your tax liability because contributions are taken from your gross salary and, therefore, reduce the amount which is liable to income tax. They also, of course, are intended to provide for you in retirement.
Note that if you pay into a pension via a salary sacrifice scheme you can also reduce your National Insurance Contributions in addition to reducing your income tax.
Salary Sacrifice
If your employer offers a salary sacrifice scheme and you take advantage of non-cash benefits such as childcare costs, private healthcare insurance, subsistence allowance or gym membership, you could save tax on these benefits by enrolling in the salary sacrifice scheme.
Child Benefit
At one time all families were entitled to Child Benefit regardless of how much the household income was. But now it only takes one parent to earn more than £50,000 for Child Benefit to start being reduced and for any family where one parent ears more than £60,000 they are no longer entitled to any child benefit. If you are in this position try to use as salary sacrifice scheme or make additional payments into your pension to bring your gross income below the threshold.
Dividend Tax
The rules for paying tax on dividends that are not from investments held in ISAs or pensions changed in 2015 and there is now a £5,000 dividend allowance. This means that basic rate tax payers receiving more than £5,000 per year in dividends will now have to pay tax (at a rate of 7.5%) on the amount over the £5,000 threshold. For higher rate tax payers the amount of tax you pay will depend on individual circumstances.
So how can basic rate tax-payers avoid paying tax on dividend payments?
Firstly, if you are married or in a civil partnership share your investments equally between you to make use of each person's £5,000 allowance. Also ensure you have used your annual ISA allowance for tax-free investments and use pension contributions too.
Age-related Personal Allowances
Currently anyone born before 6th April 1948 is entitled to a higher personal tax-free allowance and those born before 6th April 1938 are entitled to an even higher allowance. Note, however, that these allowances are gradually being phased out and from April 2016 there will just be a single tax-free allowance amount. However, while this allowance is still available the same strategies to maintain a full personal allowance apply in the same way as for the standard personal allowance.
Inheritance Tax
Anyone with assets worth more than the inheritance tax threshold, whether it's just the family home or a range of investments, will be liable to pay a significant proportion of their inheritance to the tax authorities. For 2015/2016 inheritance tax is at a rate of 40% and the inheritance tax threshold is £325,000 – a level that includes many ordinary family homes, particularly in the South East.
Married couples and civil partners each have a £325,000 allowance so after the death of the first partner the allowance is transferred to the surviving partner. This effectively means no inheritance tax is due unless the assets amount to more than £650,000.
To avoid your beneficiaries having to pay 40% of their inheritance in tax you can:
- Set up tax-saving trusts.
- Give away assets that you don't use (so not the family home) but this must be done at least 7 years before you die.
- Give annual gifts to your beneficiaries up to the value of £3,000.
Estate Planning
Employees earning more than £100,000 start to lose their personal allowance in increments until those earning £120,000 or more are entitled to no tax free income. If this applies to you then estate planning and trusts are likely to be needed to offset this loss of the tax-free allowance and manage your assets in a tax-efficient way. This is not straightforward and is beyond the topic of this guide.
Company Car
If you are entitled to a company car you can make significant tax savings by considering carefully which model you choose. The carbon dioxide emission level of a company car determines the amount of tax you will have to pay, known as the car benefit charge, and this can vary by up to 30% depending on the car model. Certain cars with low carbon dioxide emission levels also allow some of the purchase cost to be offset against tax – so choose a company car wisely.
Car Mileage Rates
It can often be financially advantageous to use your own car for business travel and claim a standard mileage rate from your employer using the authorised HMRC mileage rates rather than being taxed on a company car as a benefit. Each situation is different and depends on the business miles you travel but using your own car for business can be a way to save tax and be financially better off. Just make sure you keep a mileage log showing the business and private mileages.
The mileage rates do not cover the business proportion of the interest on a loan taken out to buy the car nor congestion charges but you can claim separately for these. You can also claim additional tax relief if you take a business colleague in your car with you on a business journey.
Company Mobile Phone
Mobile phones are a tax-free benefit if the phone is provided by your employer and the contract is between your employer and the phone company. So if you use your own phone for work but your employer pays the bill you are losing out on tax relief because you will have to declare the phone on your P11D and will be taxed as having received a benefit.
Business Expenses
If, as an employee or a company director, you incur business expenses during the course of your job then it is important for minimising your tax liability that you complete a Tax Return each year. Otherwise you will not be able to claim tax relief for those expenses. Make sure you complete the downloadable form P87 and make any claims within 4 years of the end of the tax year in which they occurred.
Costs that you can claim for, and lower the amount of tax you owe, include the more obvious ones such as travel, accommodation and fuel costs but they also include the less obvious such as, protective clothing, tools, laundry (particularly if you are provided with a uniform and you are responsible for keeping it clean) and also some costs if you work from home.
Business Benefits
Some employee benefits create a tax liability; benefits such as fuel for private use or interest-free loans over a certain threshold and in some cases you may be financially better off not accepting such benefits so do your sums carefully.
Check your tax code
Another easy way to ensure you are not paying too much tax is to visit the HMRC website and check you have the right tax code. If you think your tax code may be incorrect then you can contact HMRC and request a tax assessment. If you think you might not be paying enough tax it is still better to get the code reviewed otherwise the amount you owe will simply build up.
Enterprise Investment Schemes
If you are a serious investor you could benefit from CGT and income tax relief by investing in a small company that is part of the Seed Enterprise Investment Scheme (SEIS) or the Enterprise Investment Scheme (EIS). Bear in mind that any shares in companies in these schemes must be held for a minimum of 3 years.
TAX ISSUES FOR SMALL BUSINESSES
All businesses want to minimise their tax liability by benefiting from all of the reliefs and exemptions that are available to them. This is even more true for smaller companies that are likely to have smaller budgets and where the difference in tax saved could be proportionally larger than for bigger companies.
Small business owners should make sure they claim every tax-deductible expense including: travel and accommodation, computers and other electronic equipment and utility costs if working from home.
Limited Company
If you run your own business there are many advantages to becoming a limited company. Although the basic rate of income tax is currently the same as the rate of corporation tax directors who pay themselves a salary at the basic rate and take the rest of their income as dividends can save on the cost of National Insurance Contributions because NICs do not have to be paid on dividends. And NICs are, in effect, another tax.
Capital Expenditure
If you own your own business and plan on buying new equipment that qualifies for capital allowances then the date on which any purchases are made can affect when you receive the tax relief. If you buy assets near the end of the businesses accounting year tax relief can be claimed almost immediately but if you buy near the beginning of the accounting period tax relief cannot be claimed for almost a year.
Capital Allowances
In most cases companies can benefit from 100 per cent allowances on the purchase of capital equipment such as plant and machinery and even on integral features of the business premises such as lifts or air-conditioning systems.
Note that sole traders with an annual income below a certain threshold can use a simpler system to offset the cost of purchasing equipment called cash basis.
VAT Cash Accounting Scheme
Businesses with a turnover less than a certain threshold can join a scheme that means they only have to pay Value-Added Tax (VAT) on invoices once the invoices have actually been paid. This can make a huge difference to smaller businesses, especially ones in which customers regularly pay late invoices.
VAT Flat Rate Scheme
The VAT flat rate scheme helps a small business to simplify their VAT arrangements and in some cases it can be financially advantageous if the VAT rate the business pays is less that the VAT rate it can charge its customers. There is a useful HMRC Guide on registering for VAT.
Working from home
There are tax savings to be had for the self-employed who work all or part of the time from home. They can claim for a proportion of household expenses dependent on the space used for working as a proportion of the whole house. Claimable expenses include Council Tax, insurance, heating, lighting, water rates, phone costs, internet costs and some repairs and maintenance.
Research and Development Relief
In a bid to encourage genuine innovation in the UK, businesses that have taken a risk developing a new product or service can claim back a significant proportion of their R&D expenditure.
Patent Box Relief
Is a business has patented products and are also liable for corporation tax the profits from any patented products may be taxed at a lower rate of corporation tax.
Employing your Family
It is also possible to employ your children once they reach 16, or other family members who earn below the personal allowance, to take advantage of their tax-free personal allowances.
A WORD OF WARNING
One of the easiest ways of saving tax is to make full use of all your available allowances. Actual allowance amounts change every year so below we have provided links to the current allowances on the HMRC website.
But remember that if you lower your taxable income in order to pay less tax this could potentially have a negative effect on, for instance, the amount of life cover you can obtain or the amount of mortgage you can secure. So always look at both the advantages and disadvantages of paying less tax – they may not always be obvious.
USEFUL HMRC LINKS
The HM Revenue & Customs (HMRC) website has details of all the current allowances, thresholds and reliefs available but it can sometimes be complicated navigating your way around their huge website. So here are some of the links that you may find most useful if you are looking to save tax, either as an individual or a small business.
Income Tax Rates & Personal Allowance
Dividend Allowances &Tax Rates
« Go Back to Articles
Articles Archive
- 2021
- January (8)
- » Which Program Shall I Apply For? Two Basic Yet Deciding Factors to Consider With Citizenship-by-Investment Programs
- » Different Styles Of Trading A Newbie Must Be Ready To Learn
- » Gambling and betting laws in Cyprus - The possibility of foreign companies to operate in Cyprus
- » The Evolution of Assets
- » Everyone Wants A Second Passport: Here's How Much It Really Costs
- » Can a US Citizen Have an Offshore Bank Account?
- » Covid-19 and Directors' Obligations in Malta
- » Can a 'force majeure' clause be invoked in view of COVID-19?
- January (8)
- 2020
- December (15)
- » How to set up a family office in Singapore
- » The Elephant in the Room - Economic Substance
- » St Lucia is No.1 Citizenship by Investment Program in the World
- » Why Panama is the best jurisdiction for registering yachts and ships
- » All you need to know about setting up a business in Hong Kong
- » Do offshore trusts really confer asset protection in this day and age?
- » The Malta Shipping Register: The Largest Shipping Register Worldwide
- » ZEDRA reports ongoing boom in HNW family business in Hong Kong
- » Cyprus Companies: Interrelationship between Articles of Association and Shareholders' Agreement
- » Company Setup in UAE - What new entrepreneurs and investors need to know? A Detailed Guide
- » Protecting And Growing Assets: Belize Trust Or Panama Foundation?
- » Building headquarters in Cyprus - Substance
- » Efficient Tax Planning for a Company in Switzerland with Foreign Shareholders
- » Company in Switzerland: some ideas to reduce costs and increase flexibility
- » What should I invest in, in 2021? How can I protect my assets?
- November (15)
- » Relationship Between Ethereum IRA and COVID-19
- » Where can you register a company and open a bank account remotely?
- » Who Needs an Offshore Bank Account?
- » Ex'Tax Project: How post-pandemic tax reform can create jobs and sustainable growth
- » Belarus Implements Tax Exemption for Forex Trading
- » Advice for opening an offshore corporate bank account
- » How to Protect Your Credit Score During the COVID-19 Pandemic
- » Investing in Gold: Why It's Smart and Will Remain a Sound Strategy
- » Malta Budget 2021 snippets: how will you benefit?
- » MFSA publishes revised loan funds rules framework
- » What are International Banks?
- » New Giant in Banking Sector: Merger of Credit Suisse and UBS
- » How Does the U.S. Tax System Work?
- » Minority Shareholder Oppression in Cyprus: An Overview
- » Cyprus - Capital Gains Tax and disposal of securities
- October (10)
- » Eight Benefits of International Lending
- » Three Offshore Resources That Should Be Part Of Your Financial Planning
- » Changes in the field of taxation in Hungary due to the pandemic situation
- » Identifying profitable trends in the Forex market
- » The perfect platform for rookie CFD traders
- » Marios Kalochoritis: My choice for Business Friendly, the United Arab Emirates
- » How can I protect my assets? Learn how you can
- » Income Tax in Germany
- » Online Trading During the Coronavirus Pandemic
- » What is an Offshore Prepaid Visa Card?
- September (8)
- » Investing in Gold: Things to Understand About Gold Loan Programs
- » Joint Ventures
- » Malta sets up the National Foreign Direct Investment Screening Office
- » Implementation of economic substance requirements and its impact on UAE entities
- » How to Import and Export Goods in UAE - Things to Know
- » Seven Things to Consider Before Opening an Offshore Bank Account
- » Cyprus Tonnage Tax System
- » Citizenship vs Fiscal Residency: Becoming a UAE Fiscal Resident
- August (9)
- » Offshore Banking Institutions: Nine Reasons Why They'll Remain Popular
- » Backpacking Vs Student Language Courses Abroad
- » A favourable allowance for employees in Hungary
- » Why Now is the Best Time to Start a Business in UAE
- » Eight Offshore Banking Trends
- » Isle of Man: A World Leader in Cryptocurrency
- » Five Strategic Industry Sectors Ideal for Foreign Direct Investment in the UAE
- » Cyprus International Trust
- » The UAE - Another version of a safe haven
- July (11)
- » Investing money in the crypto industry like a pro
- » How to develop realistic expectations while trading?
- » Understanding the Online Forex Trading Instruments
- » Rock solid: Re-domiciling to Gibraltar
- » How is UAE Attracting Global Investors Post COVID-19?
- » What is a Gold Loan Program?
- » Important Notice: Information pertaining to the Beneficial Owners of Maltese Companies
- » Cell Companies Now Offer Asset Structuring Opportunities in the Shipping and Aviation Sector
- » Financial Diversification with Offshore Banking and Investing
- » Hungary: significant tax advantages for smaller companies
- » Cyprus: Merger and Cross-Border Merger
- June (32)
- » Cyprus Alternative investment fund (AIF) and Registered Alternative Investment Fund (RAIF)
- » Crypto Hedge Fund Managers choose Gibraltar, PwC Elwood Hedge Fund Report confirms
- » VAT Rates in Cyprus
- » 10 Tips How to Choose a Good Professional Business College for Studying
- » Due Diligence
- » Amendments to Hong Kong's Anti-Money Laundering Ordinance
- » VAT Registration in UAE and its Implications for Businesses
- » Guernsey lays out plans to comply with MLD5 and demonstrates its robust regulation and commitment to fighting financial crime
- » Setting up an E-business in the UAE - Why participate in the fastest-growing E-commerce market of the Middle East
- » Cyprus Holding Company Advantages
- » Wealth Preservation in an Ever-Changing Environment
- » Why you Should be Investing in Gold Today
- » Zedra Funds sees strong demand for ESG focused funds and company structures as a future trend
- » Lowest Tax Countries: Top Three Pitfalls to Avoid in 2020
- » The Updated EU Blacklist And What It Means For The UAE
- » Benefits of Cyprus international trust regime
- » Most Impactful Economic Bubbles In History
- » What every business should consider during the "Year of the Coronavirus"
- » Get the Basics on What Causes a Currency Crisis
- » Cyprus: Notional interest deduction (NID) - Article 9B (Deduction on New Equity)
- » Cyprus tax residency and Non-domicile concept
- » Resolving disputes during the Covid19 pandemic - could online mediation be the answer?
- » Individual investment in Cyprus during COVID-19 pandemic
- » Gibraltar: Insolvency (Amendment) Bill 2020
- » Estate Planning - A General Overview
- » Cyprus company tax benefits and other relevant incentives
- » Company Formation Types in Malta
- » Zedra bullish on future for aviation and private marine industries, thinks structural changes will come
- » Four Surprising Benefits of Investing in Gold
- » Tax ID (Steuer-ID) in Berlin - Living in Germany
- » A World of Opportunity: Residency and Citizenship-by-Investment in UAE, Montenegro, St Lucia, and Malta
- » Why incorporate a company in Panama?
- May (10)
- » Understanding the Belize Offshore Trust Structure and Why You Need One
- » Business Setup in Dubai - Five Top Freezones for Company Formation
- » Your foolproof guide to filing taxes
- » COVID-19 and Transfer Pricing Considerations
- » Transfer Pricing in India
- » Estonian Tonnage Tax instead of Corporate Tax for maritime companies - no income tax on crew members' remuneration
- » Six Benefits Of Second Citizenship For The Entrepreneur
- » Why Gold is Appealing as an Investment
- » What are Banking Liquidity Ratios and Why Should You Care?
- » Holding Remote Board Meetings
- April (15)
- » How to increase your Tax Savings by Company Formation in the UAE - for Foreign Investors
- » Fine-Tuning of Certain Aspects of the Malta Legal Framework in Response to Coronavirus
- » Nine Practical Reasons to Open a Bank Account in Belize
- » Offshore Investing Tips: The Top 14 Reasons To Invest In Belize
- » Are family businesses better prepared to survive during economic turmoil, asks ZEDRA?
- » Better Ways to Day Trade Breakouts
- » The impact of COVID-19 on tax residency in Gibraltar
- » The 5th Anti-Money Laundering Directive and the Register of the Ultimate Beneficial Owners
- » Master the entrepreneurial mindset with these tips
- » Investing in the US: The Land of Opportunities
- » Company registration in Latvia, overview in a nutshell
- » Company Formation in Romania
- » Setting up a Startup in Dubai - 6 Things to Know
- » Coronavirus Fiscal Assistance in Malta: Deferral of Payment of Certain Taxes
- » Why Belize is Amongst the Best for Offshore Banking
- March (9)
- » New Zealand Cryptocurrency and Initial Coin Offering (ICO)
- » Why You Should Choose Belize for International Banking Services
- » Seychelles Forex & Brokerage (FX) Seychelles Securities Dealer Licence
- » Open a Cryptocurrency Company in Ireland
- » Coronavirus: Luigi Wewege discusses risks to the Global Banking System
- » Luigi Wewege discusses the impact of coronavirus on global investors
- » How to set up your goals in the investment business
- » What is an FBAR and How Do I File One?
- » Hong Kong/China Report
- February (13)
- » Why Incorporate an offshore company in the British Virgin Islands?
- » Why Offshore Banking Should Be a Part of Your Financial Strategy
- » VAT debts and time to pay arrangements
- » Things to Know Before Making Big Purchases
- » Corporate income tax in Central and Eastern Europe: overview of basic rules and legislation
- » How to Start a Company in the UAE to Save Tax?
- » Opening a Retail Shop in Dubai
- » Eight Basic Steps to Setup Your Business in Dubai
- » Legislative Reform Programme (LRP): Commencement of Gibraltar's Financial Services Act 2019
- » What are the options to Start a Business in Dubai Free Zone
- » Dual Business License in Dubai
- » Free Zone Business Setup IFZA
- » Setting up a Fitness Centre in Dubai
- January (12)
- » Spa License and Business Setup in Dubai
- » Business Setup in DAFZA
- » Looking at Starting a Warehouse Business in Fujairah, UAE?
- » Business Setup in Dubai Gold and Diamond Park
- » Understanding the Functions of an Offshore Bank Account
- » Top Reasons for Choosing Cyprus Company Formation
- » General information about the lawyer profession in Romania
- » How to get a Free Zone Professional License in Dubai?
- » Guidance for High Value Dealers in Gibraltar
- » Get a Great Start to 2020 with an Offshore Banking Account
- » Seven Key Differences Between Common Law And Civil Law
- » US Limited Liability Companies - New Reporting Requirement for Single-Member LLCs
- December (15)
- 2019
- December (10)
- » How Brexit Will Affect UK Pension Transfers Abroad
- » UK votes for Brexit, significant regulatory and taxation changes to follow, thinks ZEDRA
- » Interested In International Banking In Belize? FAQs You Should Know
- » Dubai Free Zones - Import and Export Procedures
- » New Zealand Financial Services Provider (FSP) Registration: Recent Legal Requirements
- » Understand The Four Common Types Of Banking Institutions
- » Utilising Hong Kong For International Trade
- » New Zealand Limited Partnership: A full Tax-Exempt option for International Trade
- » Forex Risk Management
- » New Zealand Financial Services Provider (FSP) Registration: General information about NZ FSP
- November (19)
- » Setting up a Business in Canada: Limited Partnership in Canada
- » Setting up your Business Company in Malta
- » Business Opportunities in Malta
- » Advantages of Setting up a Business in Canada: Limited Partnership
- » Cyprus: An Excellent European Option For International Trade For Those Looking For A Sound Solution To International Developments
- » Panama Vs Belize - International Business Company Formation
- » Setting up a Business in Bulgaria
- » Malta: Amendments made to the Qualifying Employment in Innovation and Creativity (Personal Tax) Rules
- » What You Should Know About the Ins and Outs of the Belize Banking System
- » Advantages of Registering Your Business Company in Bulgaria
- » Incorporation in Hong Kong
- » Introduction of Economic Substance Regulations in UAE
- » Company Registration in Ireland
- » The Isle of Man: A World Leader in Cryptocurrency
- » Belize Versus Panama - Which Offshore Foundation Should You Use
- » Making Waves: The Advantages of EU Resident Seafarers Paying National Insurance in Malta
- » Company formation in Sweden, overview in a nutshell
- » Just what is offshore banking?
- » Cyprus Company without your presence
- October (16)
- » Why should cryptocurrency investors be interested in Portugal?
- » Malta Gaming Authority Publishes Guidance Document On Brexit Impact
- » Banking In Belize: Is It Still A Safe Option For You To Consider?
- » Understanding The Role Of International Banking In Belize's Economy
- » Gibraltar best placed for Double Taxation Agreements following signed UK treaty
- » Four Countries with Low or No Income Taxes
- » 2019 International Tax Competitiveness Index Rankings
- » Major amendments to Taiwan Company Act on August 1, 2018
- » Top 3 International Banking Jurisdictions and What Makes Them the Best
- » Poland introduces a new VAT rate system starting from April 1, 2020
- » Manage Your Wealth with Offshore Banking in Belize
- » How to stay updated with the latest Tax Laws
- » Habibullah & Co. Newsflash
- » Take a tax holiday in Mauritius
- » Cyprus Virtual Office Services
- » Closing the Books on Three Offshore Banking Misconceptions
- September (6)
- » What You Need To Know About The Setup And Use Of An Offshore Corporation
- » Understanding Legislative Changes In Belize And How They Impact IBCs
- » Corporate Tax Migration to Malta - Option for Hong Kong Companies
- » Can a Freezone Company do Business in the Mainland of Dubai?
- » Inventive Financing Options For Small Business Entrepreneurs
- » What is the difference between a SIPP, an international SIPP, and a QROPS?
- August (9)
- » Five Primary Examples Of Offshore Asset Protection Benefits In Belize
- » Gibraltar-Spain Tax Treaty
- » Golden Visa: the fastest way to obtain a European passport
- » How to Set Up a Retail Business in the UAE?
- » What are the Freelance Options available in UAE?
- » PSD2 Implemented into Maltese Law: What Now?
- » Cyprus Holding Company Advantages
- » Malta: Consolidated Group (Income Tax) Rules, 2019
- » Tax benefits of Cyprus for foreign nationals
- July (13)
- » Nine Reasons Why You Need To Open An Offshore Bank Account Today
- » The revolution in the fight against aggressive tax planning
- » Inventive Financing Options For Small Business Entrepreneurs
- » Corporate Tax Benefits of Hungary
- » Exciting developments at the Maritime Week Gibraltar 2019
- » Importance of Financial Literacy for College Students
- » Cyprus Film Production Scheme
- » US Trusts for US and non-US clients
- » Company Registration in Dubai, UAE - Experience, Challenges and the Process
- » Inheritance and Property Tax
- » Brexit: Deal or No Deal?
- » How to Protect Your Small Business from a Data Breach
- » What are the Advantages and Disadvantages of Offshore Banking?
- June (7)
- » FAQs on Indian Permanent Account Number (PAN)
- » Indian Withholding tax rates under provision of Double Taxation Avoidance Agreement
- » Seven Trends in Offshore Banking
- » Three Advantages Of Belize Offshore Banking
- » Mauritius: Budget Brief 2019-2020
- » The Tax Benefits of Banking and Investing in Belize
- » Understanding Belize International Foundations - What You Need To Know
- May (5)
- April (6)
- » Always trade with low-risk exposure to protect your capital
- » Do not go against the system of the marketplace
- » Cyprus Bank Account
- » International Tax Agreement signed between the UK and Spain relating to Gibraltar
- » How to Set Up a Crypto Exchange Licence in the EU: Estonia
- » Stamp Duty Land Tax (SDLT) Changes
- March (15)
- » Cyprus Holding Company For Zero Taxes
- » Stamp Duty Land Tax Explained
- » Fifth EU Anti-Money Laundering Directive published
- » Taking Advantage of the UK ISA Allowance Before the Tax Year Ends
- » Malta introduces new guidelines for long term leasing, reducing the vat liability of pleasure yachts
- » EU VAT Number
- » Business Closure Procedure to Avoid Future Taxes
- » Interview with Emily A. Georgiades on Financial Crime by Gold Magazine
- » Increased Interest by High Net Worth Individuals of South Africa for the Cypriot Citizenship by Investment Program
- » A Few Tips for Automatic Exchange of Information Reporting
- » Estate and gift taxes in Cyprus - planning is needed
- » International Tax Landscape shake-up for Multinational Businesses
- » Massive legislation changes affecting Offshore Tax Regimes and Economic Substance Requirements
- » More Corporate and Tax Legislation Changes of Offshore Companies
- » Substance and De-offshorization
- February (8)
- » Setting up and running a business in Cyprus
- » Cyprus introduces stricter rules for citizenship by investment program
- » Cyprus Intellectual Property
- » Andorra for High Net Worth Individuals
- » How to Save Money When Starting a Business
- » BVI Companies make a move towards Tax Transparency
- » Knowing your rights as a victim of financial crime
- » Benefits of Starting a Business in Malaysia
- January (5)
- » Observations of the AGM of Association of Cyprus International Investment Firms
- » Cyprus IBC Capital
- » Three Key Considerations in Establishing your Virtual Currency Investment Fund
- » Lebanon: A Case Study on Efficient Inbound Investment - Tax Structures for Cross-Border Acquisitions
- » Nine Reasons to Work With a Professional When Filing Your Taxes
- December (10)
- 2018
- December (13)
- » Seven ideas for a perfect gift that cost nothing
- » Financial Advisor Hiring 101: What to Ask When Hiring For Your Business
- » The most popular countries in Europe with low taxes
- » Tax amnesty program in Panama for 2018
- » A Tax Advisors Point Of View - Is Malta A Viable Brexit Solution?
- » New rules for property tax and tax homesteads
- » Gibraltar publishes rules implementing EU rules against Tax Avoidance Practices
- » Notaries in Estonia will be empowered to certify documents via video link
- » The Cyprus Tax System Explained in a Simple Way
- » The Power of Sailing BVI Yacht Registration
- » The Intra-Corporate Transfer Regulations
- » 'The UK can unilaterally decide to Remain in the EU' - Advocate General, Court of Justice of the European Union
- » The Accounting Conundrum Solved - Accounting in the UAE Made Simple
- November (9)
- » Rocking Gibraltar
- » Investors: Applying For A Cypriot Passport? Read Our Guide
- » The Draft Withdrawal Agreement and Protocol on Gibraltar
- » Your Essential Guide to Offshore Companies in Dubai
- » Three Best Offshore Asset Structures in Belize
- » What You Need To Know About Standard Banking And Electronic Wallets
- » The Key to a Successful and Family-Friendly Career
- » European Commission proposes new Anti-Money Laundering Directive: 6AMLD
- » Gibraltar Association for New Technologies GANT
- October (9)
- » Financial Substance in Andorra - Part 1 of 2 - How And Why Did It Come About?
- » Financial Substance in Andorra - Part 2 of 2 - How To Comply With Substance In Andorra
- » CySEC: An Overview of the Cyprus Securities and Exchange Commission
- » Non-Residential Tax Returns in the UK
- » Time Is Running Out For Expats Behind on Taxes
- » GDPR WARNING: Why Not Shredding Your Data Could Cost Your Company Millions
- » Trust and Corporate Services Provider (TCSP) Licensing in Hong Kong
- » Cyprus: The Blockchain-friendly Island
- » Securing Your Children's Future with a Cyprus International Trust
- September (18)
- » 10 Most Common Tax Return Mistakes To Avoid
- » Cryptocurrency and Taxes - What You Need to Know
- » Why Getting HK Tax Residency Certificate & How to Benefit?
- » Investment Funds in Cyprus - A Guide for Global Investors
- » Why Should I Care About The FTSE 100?
- » Asset Protection: Your Personal Insurance
- » Why Switzerland Is The Best Place To Establish A Business
- » New type of funds (Cyprus): The Registered AIF (RAIF)
- » Understanding New York Real Estate Taxes
- » What are Fixed Indexed Annuities?
- » Cyprus Citizenship by Investment
- » Forming and Operating a Fund in Cyprus: A Guide for Emerging Cyprus Fund Managers and Investors
- » Cryptocurrency - a wallet or exchange?
- » Start-Up Dilemma: Things to Consider When Looking for the Perfect Office Space for Your Business to Grow
- » Investing in Self-Storage Real Estate
- » Estonia: Register of Beneficiaries in Force
- » Secure Crypto Currency to Physical Gold OTC Exchanges
- » Wolters Kluwer Tax Expert To Speak At Tax Reform Conference
- August (17)
- » Euro Exim Bank's Involvement with Blockchain Technology
- » Traditional Bank A/C Alternatives to Run Business
- » Iceland - Under The Radar Program
- » Launching an ICO through Cyprus
- » Is Your Significant Controllers Register (SCR) Ready?
- » 3 Simple Techniques For Contractors
- » Did you know that a $10K investment can get you a tax-free company and residency in Dubai ?
- » A Holistic Approach To Regulating Cryptocurrencies And Virtual Financial Assets In Malta
- » Quick overview of Seychelles Legal System
- » Seychelles Updates
- » Notional Interest Deduction (NID) Rules
- » Deduction For Transportation Cost Of Employees Rules
- » VAT Grouping Regulations
- » Malta Ahead Of The Game
- » Seychelles Tax treaties
- » Quick overview of Seychelles business tax
- » Gibraltar Budget 2018
- July (2)
- June (4)
- May (3)
- April (10)
- » Just Announced: 100% Ownership for Dubai Entrepreneurs
- » Why Hong Kong is Your Essential Business Hub
- » Lasting Powers of Attorney in Gibraltar - the Act comes into force
- » The How and Why: Redomiciling your Business in Singapore
- » GDPR - Key Aspects of the General Data Protection Regulation
- » Trademarks: What is the opposition process?
- » GDPR: What Do You Need To Know
- » Financial Advising: Accounting's New Look
- » Why register a trust in Cyprus?
- » How double taxation treaties work
- March (4)
- February (4)
- January (6)
- » Pension for Life: An Achievable Dream
- » Partnerships in Canada: tax haven or undesirable misfortune?
- » Benefits of Setting Up a Shams Free Zone Company In the United Arab Emirates
- » UAE's most dynamic free zone jurisdiction
- » The Future of Global Taxation
- » Common Standard Of Automatic Exchange Of Information On Tax Matters
- December (13)
- 2017
- December (7)
- » Branch Registration in Poland - Establish branch in Poland
- » Cryptocurrencies and the mainstream - bridging the gap to mass market adoption
- » Gibraltar - DLT Guidance Notes Published
- » The High Net Worth Individual Scheme
- » Middle East Faces Significant Challenges To International Business, Survey Finds
- » What impact will Brexit have on Gibraltar Cross-Border Mergers?
- » Tax minimization methods across the world
- November (4)
- October (7)
- » What you "token" about?
- » Legal "non-disclosure" overseas retirement planning
- » Why is it that more businesses blame poor results on currency movements?
- » Bitcoin Tax Strategies & Corporate Structures: Why Governments Worldwide are Scared of Bitcoin's Incredible Potential
- » Build an Offshore company in Hong Kong
- » Film Production Scheme to be introduced in Cyprus
- » ICO - the new way of fund raising for entrepreneurs
- September (3)
- August (3)
- July (3)
- June (8)
- » Fear Fintech? Embrace Fintech
- » Publication of Guidance Notes related to Automatic Exchange of Financial Account Information by Cyprus Tax Department
- » Law Firms and Marketing Strategy
- » Why will accountants, financial advisers and registrars lose their jobs in coming years?
- » Register of Beneficiaries in Estonia
- » Bitcoin, ethereum, crypto currency and block chain - the next industrial revolution - the new gold - from barter to bitcoin
- » Why partnering with a currency broker is a win for you and your clients
- » BEPS - What is it? & What is the cost on Africa?
- May (6)
- » Caribbean Flourishing Due to Citizenship by Investment
- » The New Zealand "Foreign Trust" regime vs the USA "Foreign Trust" Regime
- » How does one legally avoid paying more than 5% in taxes? Move your business to Malta!
- » Guide to the benefits of owning company shares through a discretionary trust
- » Four jurisdictions to start a company in
- » Global Tax Trends And Impact On Offshore Jurisdictions
- April (3)
- March (4)
- February (18)
- » Exactly which US expats have to file an IRS tax return?
- » The best citizenship by investment programs for 2017
- » Don't make these tax mistakes when you retire
- » How to get a Second Passport and Second Citizenship
- » Still the easiest place in the world to open an offshore bank account
- » Get second residency and pay no tax in these 19 tax-free countries
- » The fastest countries in the world to become a citizen
- » Cyprus introduces rules to implement Country by Country reporting requirements
- » Revised criteria for granting the Cypriot citizenship by investment
- » Potential Non-Dom Solutions: QNUPS
- » Tax Calendar 2017
- » Cyprus Investment Immigration Programmes
- » Reforms to the Taxation of UK Non-Domiciles
- » Potential Non-Dom Solutions: Trusts
- » Restarting the Clock: Residency Solutions for Non-Doms
- » Tax payers given rights to claim deemed deductions on Article 33
- » Declaration of an individual as a non-dom
- » Cyprus Tax Facts 2017
- January (4)
- December (7)
- 2016
- December (5)
- November (4)
- October (2)
- September (2)
- August (5)
- July (5)
- June (8)
- » The Corporate Governance Review - Cyprus 2016
- » Double Tax Treaty between Cyprus and Latvia signed
- » How Canada Taxes Real Estate Gains Of Non-Residents
- » Cyprus - Seychelles collaboration through the double taxation treaty
- » Eight Myths Regarding Being Non-Resident For Canadian Tax Purposes
- » Tax Issues for Non-Resident Actors & Entertainers in Canada
- » The Tax-Efficient Way For Foreign Corporations To Acquire Canadian Corporations
- » Why do online entrepreneurs need to structure their companies carefully?
- May (2)
- March (3)
- February (1)
- January (2)
- 2015
- December (3)
- November (2)
- October (2)
- September (1)
- August (3)
- July (3)
- June (3)
- May (2)
- April (4)
- March (4)
- January (4)
- 2014
- December (2)
- November (6)
- » NEWSLETTER: THE NEW PENSION FLEXIBILITY FROM APRIL 2015: THE DETAIL EXPLAINED
- » NEWSLETTER: THE NEW PENSION DEATH TAXES FROM 6.4.15 EXPLAINED
- » NEWSLETTER: NEW CAPITAL ADEQUACY REQUIREMENTS FOR SIPP PROVIDERS AND UNREGULATED INVESTMENTS WITHIN SIPPS
- » QROPS BULLETIN - NOVEMBER 2014
- » Controlled Foreign Companies (CFC) legislation voted by the State Duma
- » Migrating the residence of the target company from Costa Rican jurisdiction raises tax consequences
- October (2)
- September (5)
- August (5)
- July (1)
- June (9)
- » Banking in a Tax Haven isn't what it used to be!
- » Italian Tax Cuts
- » Part-Time Self-Employed Tax Submission
- » Life in the Sun: The Ease of Benefitting from Tax Residence in Malta
- » Cyprus Corporate Governance 2014
- » NEWSLETTER: HMRC tightening up on SSASs, unregulated product providers targeting PSLS, recycling issues, and an international pension conference
- » The Liability of Shareholders for the Tax Debts of a Company
- » Relief from Transfer Pricing for Controlled Foreign Companies
- » DFM Platform SIPP
- May (4)
- » The Dispute Resolution Review [Cyprus], Sixth Edition, Editor Jonathan Cotton
- » QROPS BULLETIN - MAY 2014
- » Malta Individual Investor Program - Facilitating Citizenship Through Investment in the Republic of Malta
- » NEWSLETTER: SIPP opportunities, new investment challenges for IFAs and delays in SSAS registration
- April (3)
- March (6)
- » Thin Capitalization in India
- » NEWSLETTER: Budget 2014: Important changes to pensions
- » QROPS BULLETIN - MARCH 2014
- » NEWSLETTER: Reallocation of assets/Beware if setting up a new scheme to beat the end of the tax year/UK pensions for non-UK residents
- » INSIGHT SIPP
- » Important Things about Home Insurance it is Imperative You Know
- February (8)
- » Murdoch and News Corp Receive $882m Australian Tax Rebate
- » Tom Perkins Believes that Taxes will lead to 'Economic Extinction' of the 1%
- » Weariness of Refund Fraud Heightens as Tax Season Returns
- » QROPS BULLETIN - FEBRUARY 2014
- » NEWSLETTER: CHANGES COMING INTO FORCE ON 6TH APRIL 2014
- » International Civil Fraud - Cyprus
- » New Online Pension Products And Services For Advisers
- » DFM Platform SIPP
- January (3)
- 2013
- December (1)
- November (6)
- October (6)
- » Seminar Invitation: QROPS/QNUPS/IHT Implications/New Platform/Fund Management and Online SIPP
- » Cyprus: Does the Boomerang Really Come Back Sometimes?
- » QROPS BULLETIN: OCTOBER 2013
- » The Importance of Planning
- » Why Malta?
- » NEWSLETTER: Protection update and more reasons why everyone needs to save more
- September (1)
- August (4)
- July (7)
- June (6)
- » Incentives for Third Country Nationals to Invest in Cyprus - Significant Improvements
- » QROPS BULLETIN: JUNE 2013
- » Introducing the ACORN LITE SIPP for Regulated Investments & Bank Accounts
- » Inheritance Tax U-Turn: Expats Must Plan Ahead
- » Landmark Supreme Court Judgment on the Rights of Depositors
- » Newsletter - June 2013
- May (7)
- April (3)
- March (7)
- » Return to 120% of GAD and ensuring SSASs are properly run
- » QROPS for Financial Advisers QROPS Choice
- » Forming a company in Monaco
- » Increase in Minimum Annual Tax Burden in Luxembourg and Restructuring Solution
- » Announcing the Launch of an Isle of Man QNUPS
- » Monaco Residency - easy process?
- » Why consider Monaco?
- February (11)
- » UK Publishes Draft Legislation on Offshore Companies Which Own UK Property
- » New 'Approved Manager' Regulations for Hedge Funds
- » Announcing the Launch of a Guernsey QNUPS
- » Changing Gears - Investment Funds in the British Virgin Islands are Moving from Strength to Strength
- » Asset Tracing Recovery Tools in the BVI
- » Depardieu, taxes and untrodden paths
- » Why you Should Choose the BVI for your Fund
- » Fast and Simple in BVI
- » Guide to Incorporating Companies in the BVI
- » QROPS: An Overview of Jurisdictional Differences
- » QNUPS: An Overview of Jurisdictional Differences
- January (7)
- » New Modifications to the Commercial Code
- » QROPS BULLETIN: JANUARY
- » Why isn't offshore dying?
- » Laws part of the Memorandum agreed for financial assistance to be provided by the Troika voted by Cyprus Parliament
- » The Autumn Statement 2012
- » Dubai - Property ownership through company structures
- » Money Laundering
- 2012
- December (2)
- November (7)
- » The Cyprus International Trusts
- » Increase in minimum annual tax burden in Luxembourg
- » Panama's Banking Center Reports Almost 12% Growth in Assets
- » Why do business in Bulgaria?
- » Setting up an LLC in Dubai
- » BVI Law Holds Even Keel Between Rights of Investors and Rights of Mutual Funds
- » A CHOICE OF NEW SIPPS
- October (8)
- » Offshore Companies Owning UK Residential Property Need To Take Urgent Action
- » QROPS BULLETIN OCTOBER
- » Announcing the Launch of the QROPS TRANSIT SIPP
- » Unisex GAD rates and a new service for defined benefit schemes
- » Will Cyprus collapse?
- » ARBITRATION AS EXPEDITED OPTION FOR CONFLICT RESOLUTION
- » Incentives for third country nationals to invest in Cyprus
- » Insight SIPP For Sophisticated Investors
- September (6)
- » Property in SIPP/SSAS and Death Benefit Trap
- » QROPS Bulletin September
- » Panama - Training, Tax Deductible
- » NEWSLETTER: SIPP cash rates, Unisex GAD rates, annuity rates worsen even more - and opportunities for IFAs!
- » SIPP / SSAS: COMMERCIAL PROPERTY MATTERS
- » SIPP / SSAS: COMMERCIAL PROPERTY MATTERS
- August (12)
- » QROPS BULLETIN
- » NEWSLETTER: Warnings for SSASs and those with Enhanced/Fixed Protection, property and illiquidity issues and the true costs of pensions
- » Form a Singapore Company
- » Offshore Companies Owning Uk Residential Property Need To Take Urgent Action
- » U.S. Law Jeopardizes the Panamanian Banking Secrecy
- » The Professional's Toolkit Shelf Companies
- » Weathering the storm
- » Funds article for New Europe
- » Bearer shares: are their days numbered?
- » QROPS BULLETIN August
- » Incorporation In Hong Kong
- » A gateway to the booming Asian market
- July (3)
- June (5)
- May (6)
- » Trusts & Foundations - The Best Tools for Giving...
- » NEWSLETTER: Pensions post 6.4.12 – the new Rules explained
- » Why you should consider Switzerland as part of your international tax planning arrangements?
- » A Different Style : VISTA Trusts 8 years later
- » Securities and investment business regulations in the British Virgin Islands
- » VAT Yacht Leasing Scheme
- March (4)
- February (1)
- January (7)
- » Cyprus Hydrocarbons Exploration and Exploitation: the Legal Framework and Licensing for hydrocarbon reserves in Cyprus' Exclusive Economic Zone
- » Cyprus Investment Firms
- » Outward Investment from Canada - The Offshore Perspective
- » Trade Marks in Cyprus: Registration, Protection and Infringement of Trade Marks and Community Trade Marks in Cyprus
- » The Document Keeping Requirement
- » The Professional's Toolkit - Shelf Companies
- » International Financial Centre Profile
- 2011
- December (3)
- October (5)
- September (2)
- August (5)
- July (6)
- June (2)
- May (6)
- » QROPS / QNUPS: Jurisdictional differences matter to Clients
- » Panama Pacifico: Gateway to the Americas
- » Income Tax Implications for Non-Residents Investing in Canadian Real Estate
- » QROPS Bulletin May 2011
- » QROPS Proposition: SIPP Specialists Hold a Unique Market Position
- » QROPS: Choice of Jurisdictions on Isle of Man
- April (3)
- March (4)
- January (3)
- 2010
- December (2)
- October (1)
- May (3)
- April (2)
- March (1)
- February (1)
- January (1)
- 2009
- October (1)
- September (1)
- August (2)
- April (1)
- January (1)
- 2008
- November (1)
- September (1)
- July (1)
- 2007
- 2006
- 2005
- September (1)
- June (1)
- 2004
- April (1)
- 2003
- 2002
- August (1)
- June (1)
- May (1)
- 2001
- June (1)
- May (1)
- March (1)
- 2000
- November (1)
- October (1)
Event Listings
Listings for the leading worldwide conferences and events in accounting, investment, banking and finance, transfer pricing, corporate taxation and more...See Event Listings »