Are you maximizing the returns from your savings by using tax-free plans? Nobody enjoys paying tax, but few people make full use of the many opportunities now available to everyone in the UK to save and invest tax-free. This guide explains the basics of tax and investment and shows how you can use tax-free plans to make more of your money: how moving your savings into tax-free schemes can boost your returns; how to work out how much you need to save for retirement and the best tax-exempt ways to do so; the differences between lower-risk, moderate-risk and high-risk schemes and how much each could produce for you; identifying the saving and investment plans that offer the best value for money; and the best plans for short-term and longer-term savings.