Tax-efficient investing

If you haven't used your annual ISA allowance and/or are interested in opening a Junior ISA on behalf of a child, take a look at our options for tax-efficient investing.

The value of the fund's assets will go down as well as up. This will cause the value of your investment to fall as well as rise and you may get back less than you originally invested. ISA tax rules may change in the future and their tax advantages depend on your individual circumstances.

There are ways to invest tax-efficiently with M&G:


An individual savings account (ISA) is a tax-efficient investment vehicle in which you can hold a range of investments, including shares in OEICs and unit trusts and cash.

More on ISAs

Junior ISAs

Junior ISAs are a flexible, simple and tax-efficient way for you to save for a child’s future.

More on Junior ISAs

Child Trust Fund (CTF) transfers

Parents and Guardians can now choose to transfer their child’s CTF into a Junior ISA account.

Find out more about CTF transfers

Need further information?