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Maximise your ISA before the 5 April deadline

Chinese New Year ushers in the Year of the Fire Horse – a time associated with bold decisions and forward momentum - it’s the perfect time to make smart, forward-thinking investment choices.

Tax-efficient ways to invest

There are several ways to invest tax-efficiently, depending on your goals and circumstances. ISAs and Junior ISAs offer a straightforward way to build wealth over time.

 

Pensions, including SIPPs and Junior SIPPs, can also support longer-term financial planning – helping families build and preserve wealth across generations.

£20,000

ISA

Allowances for 2025/26 – deadline 5 April 2026.

£60,000

Pension (SIPP)

(or 100% of earnings if lower)

£9,000

Junior ISA

Allowances for 2025/26 – deadline 5 April 2026.

£3,600

Junior SIPP

Allowances for 2025/26 – deadline 5 April 2026.

The ISA tax shield: Capture emerging markets growth – not a tax bill

The ISA deadline might not feel urgent when you’re just starting out. But investing in emerging markets through an ISA today could make a significant difference to how much of your growth you ultimately keep.
 

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Lifetime ISAs: Using today’s rules to invest in tomorrow’s growth

Saving a deposit for a first home isn’t easy – especially as property prices continue to rise. But did you know a Lifetime ISA can add a 25% government bonus to your contributions?
 

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Assets not earnings: Why starting now could matter more than starting big

Could investing build wealth that may be hard to match through your salary?  A salary pays you for your time. Assets can keep working when you’re not. With the ISA deadline approaching, now could be the moment to start building something that can grow far beyond your earnings.

 

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The Big Switch in 2026: Is your ISA missing emerging markets?

Long-standing ISA contributions may have left your portfolio heavily weighted toward US assets, while momentum increasingly favours emerging markets. With April ISA deadline nearing, it may be an opportune moment to review and rebalance.
 

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How to Invest with Us

Shares in TEMIT qualify as an investment which can be held through an ISA. TEMIT is available through a stocks and shares ISA from a number of different companies. As individuals’ financial circumstances will differ, we recommend you talk with a qualified financial adviser regarding the options available to you before making investment decisions.

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Important Legal Information

This website is intended to be of general interest only and does not constitute legal or tax advice nor is it an offer for shares or invitation to apply for shares of the Templeton Emerging Markets Investment Trust (TEMIT). Nothing in this website should be construed as investment advice. Opinions expressed are the author's at publication date and they are subject to change without prior notice. Subscriptions to TEMIT can only be made on the basis of the latest available audited TEMIT annual report and TEMIT half-yearly report if published thereafter.

The value of shares in TEMIT and income received from it can go down as well as up, and investors may not get back the full amount invested. Past performance is not an indicator or a guarantee of future performance. Currency fluctuations may affect the value of overseas investments. When investing in a fund denominated in a foreign currency, your performance may also be affected by currency fluctuations. An investment in TEMIT entails risks which are described in the TEMIT annual report. In emerging markets, the risks can be greater than in developed markets. Investments in derivative instruments entail specific risks more fully described in the TEMIT annual report.

US Persons are not eligible to invest in TEMIT. Shares of the TEMIT are available for sale and distribution in the UK. Any research and analysis contained in this website has been procured by Franklin Templeton Investments for its own purposes and is provided to you only incidentally.

References to particular industries, sectors or companies are for general information and are not necessarily indicative of TEMIT's holding at any one time.

References to indices are made for comparative purposes only and are provided to represent the investment environment existing during the time periods shown. An index is unmanaged and one cannot invest directly in an index. The performance of the index does not include the deduction of expenses and does not represent the performance of any Franklin Templeton fund.

MSCI makes no express or implied warranties or representations and shall have no liability whatsoever with respect to any MSCI data contained herein. The MSCI data may not be further redistributed or used as a basis for other indices or any securities or financial products. This report is not approved, reviewed or produced by MSCI.

There is no guarantee that TEMIT will achieve its objective. Please consult your financial adviser before deciding to invest. You can download a copy of the latest TEMIT annual report and TEMIT half-yearly report, or request one, free of charge, from Franklin Templeton Investment Management Limited, Cannon Place, 78 Cannon Street, London EC4N 6HL. Authorised and regulated by the Financial Conduct Authority. Telephone: 0800 305 306, Email: [email protected].