Chapter 8 of 10 in the Personal Finance Curriculum.
Protecting Your Wealth
Risk management, tax efficiency, and guarding what you have built.
What you'll learn
- Why insurance matters for FIRE
- How stealth taxes erode your compounding
- How to diversify geographically
- Your new tax year checklist
Fortress You
ArticleThe insurance strategy that protects your FIRE plan from life events.
Stealth Taxes UK
ArticleHow the UK tax system quietly kills your compounding over time.
Cash ISA Cut 2027: HMRC Closes the Workarounds
ArticleApril 2027 cuts the cash ISA allowance to £12,000 for under-65s and taxes cash interest inside S&S ISAs. What changes and what to do.
Innovative Finance ISA: What It Is and the 2027 Rules
ArticleHow the P2P-lending ISA works, the FSCS gap, the UK platforms that have collapsed since 2019, and what changes from April 2027.
Dividend Tax UK Guide
ArticleAllowances, rates, worked examples, and strategies to keep more of your dividend income in 2026/27.
Hedging Against the Pound
ArticleDiversifying your liberty - why geographic diversification matters.
New Tax Year UK Investor Checklist
ArticleYour 2026/27 allowance checklist - ISA, pension, CGT and dividend limits.
Stay Away From CFDs
ArticleWhy contracts for difference are a fast way to lose money.
FSCS Protection UK
ArticleThe £85,000 limit, the per-banking-licence rule, and why some "different" UK banks share a single FSCS slot.
Income Protection vs Critical Illness
ArticleHow each policy works, real claim rates, and which one is genuinely worth buying for most working adults.
Inheritance Tax UK Guide
ArticleThe £325k nil-rate band, the £175k residence band, the 7-year gift rule, and the planning moves that keep an estate out of the IHT trap.
Knowledge check
Test what you learned
1. What does FSCS protection do for UK savers?
2. "Stealth taxes" such as frozen thresholds erode your wealth by:
3. Why hold investments across different regions and asset types?