Tax Optimiser
Keep more of what you earn.
Smart account placement is the easiest tax optimisation win. The Tax Optimiser shows you exactly which investments belong in which accounts — whether that's a SIPP, ISA, 401(k), Roth IRA, or taxable brokerage — to minimise your annual tax bill and maximise long-term growth.
The Problem
Most investors focus on what they hold but overlook where. A high-yield bond fund in a GIA/taxable account means paying tax on every distribution. In a SIPP/ISA/401k/Roth, it grows tax-free. Over 20 years, tax-inefficient placement costs thousands.
How It Works
Connect Your Accounts
Link your SIPP, ISA, LISA, GIA, 401(k), IRA, brokerage accounts securely in minutes.
Intelligent Mapping
Our algorithm analyses each holding's tax characteristics and maps to the optimal location.
Get Specific Recommendations
Priority-ranked recommendations with clear explanations for every suggested move.
Quantify Your Savings
See projected annual tax savings and 5, 10, and 20-year impact on your wealth.
What You Get
Account-by-Account Recommendations
Detailed guidance on optimal placement for each of your holdings across all your accounts.
Projected Annual Tax Savings
See exactly how much you'll save year over year by optimising your account placement.
Capital Gains Impact Analysis
Understand the tax implications of realisable gains before you make any moves.
Dividend Tax Optimisation
Strategically place dividend-paying assets to minimise annual income tax burden.
Year-End Tax Planning Checklist
Actionable steps to take before year-end to maximise your tax efficiency.
Tax-Aware Rebalancing Guidance
Keep your portfolio balanced while minimising tax drag from rebalancing trades.
Ready to Optimise Your Taxes?
The Tax Optimiser is in development and will arrive inside the integrated Allocra suite. Subscribe to The Long View on the homepage and you will hear when it lands.
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