ISA maxed out

RM

With ISA maxxed out, what might be good, low/no tax options for investing.

I just read an article suggesting gilts be the way forward.

suggestions, please.

Thanks

george4064

No-one can give any meaningful suggestions without knowing details about your circumstances.. 

Suggestions however include; pay off high interest debts, establish emergency fund, pension, spouse pension or ISA?, mortgage overpayments, GIA, VCTs, EIS or SEIS, donations, fine wine/art and more…

RM

Thanks, mortgage/ rainy day fund/ no high interest loans/ pension ok.. being sorted .

i don’t know about VCTs/ GIA/EIS etc. 

Are gilts a good idea? 

zagfles

Well if you just read an article about them presumably it explained them, so what do you want to know? Short dated low coupon gilts can be a good alternative to savings accounts to avoid tax as there's no capital gains tax on gilts (that's actual raw gilts not gilt funds). The coupon is taxable but if you use low coupon ones most of the return will be capital gain. Longer dated gilts can be volatile so there'd be risk unless holding them to maturity.