Guides
Most investing content is written for people opening their first account. These are for everyone else: the forms, transfers and fees that come after.
Sources checked · Updated July 2026
W-8BEN explained: how to cut US dividend tax from 30% to 15%
The form takes ten minutes and most brokers bury it. What it does, the treaty rate for your country, where each broker hides it, and what happens when it silently expires.
How to transfer your ISA or portfolio between brokers
In-specie or cash, and why the difference can cost you thousands. Exit fees per broker, the fractional shares trap, and the capital gains bill nobody warns you about.
Best SIPP providers 2026: where to hold your pension
Flat fees beat percentage fees above roughly £29,000, and the crossover is the whole decision. Real charges from every provider's own schedule, with the arithmetic shown.
UK capital gains tax on shares: a 2026 guide with worked examples
Your broker's average price is not the number HMRC wants. Section 104 pooling and the 30-day rule worked through with real arithmetic, plus what a gain straddling two tax bands actually costs.
Where to park cash in 2026: money market funds vs gilts vs cash ISAs
Gilts are exempt from capital gains tax, which can beat a higher savings rate once you pay 40%. Worked at each tax band, with the FSCS protections kept properly apart.