When it comes to investing your money it makes sense to save as much as you can on the tax you have to pay. By saving and investing in tax-efficient ways you can keep more of the returns for yourself – and hand less back to the taxman.

There are numerous ways in which you can avoid paying too much tax. An expert offering Tax Advice might tell you that bumping up your pension contributions before the end of the tax year is a good way to gain generous tax relief and benefit from the tax-efficient treatment of pension funds. Other tax advice a financial adviser might offer would be to put your savings in an ISA, to transfer money into a lower-earning spouse’s name, or to set up tax-efficient trusts for your children.