Four tax-free boxes, on one page
ISA, Lifetime ISA, pension and Junior ISA. What each one is for, and the order to fill them.
A step-by-step investing plan for UK employees. Which tax-free box to fill first, what to put in it, and how to stop thinking about it.
2026/27 edition.
The UK investing plan
First £1 to£100k
A Complete Step-by-Step UK Investing Plan
2026/27 edition
Move the sliders. The grey part of each stack is money you paid in. The gold part is growth. Watch which part takes over.
Start with a five-minute quiz. It tells you which path you're on and which chapters to read first.
Most money advice is a pile of good ideas with no order. This book gives you the order. Do step 0, then step 1, then step 2, and you never have to wonder what to do next.
ISA, Lifetime ISA, pension and Junior ISA. What each one is for, and the order to fill them.
Between £100,000 and £125,140, each extra £1 can cost you 62p. The legal fix puts that money in your pension.
Write your own figures next to the examples, so every page is about your money.
Emails to HR and phone scripts for pension firms. Copy, fill in, send.
I used to leave my money sitting in savings and barely understood my pension. Now I know how everything fits together, and I made my first investment transfer that same evening.
The workplace pension email was a game-changer. I used the template, filled in a couple of details and sent it straight to HR. They got back to me the very next day.
Someone finally explained the £100k tax trap in a way that actually made sense. No complicated jargon, just clear examples.
P**** RProject Manager, London
No stock tips, no unrealistic promises. Just a clear, sensible order to follow. Exactly what I was looking for.
T** OTeacher, Bristol
I originally bought it for the Lifetime ISA chapter, but the worksheets were what made the biggest difference. I could finally see how the numbers applied to me.
A**** LFirst-time Buyer, Birmingham
Short, practical chapters that I could read on my commute. Finished it in a week and started putting what I’d learned into practice.
D** WElectrician, Glasgow
I always assumed investing was something you did once you were already wealthy. This book completely changed how I think about getting started.
H***** BGraphic Designer, Cardiff
I never really understood all the deductions on my payslip. The pension chapter helped me make sense of where my money was actually going.
M***** TWarehouse Supervisor, Leicester
Everything is explained in plain English. No unnecessary complexity. I found it so useful that I recommended it to my sister.
C**** NJunior Doctor, Newcastle
I understood the individual rules, but I struggled to see how they all fitted together. Now I have a clear plan on one page.
R*** SAccountant, Nottingham
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No. The book is education. It explains how the boxes and the rules work and gives a general order of steps. It never tells you which fund to buy.
Yes. ISAs and pensions work the same across the UK. Scottish income tax bands are different, and the book notes where that changes the sums.
A lot of it still applies: ISAs, funds, the Lifetime ISA, the habits. The parts about your employer's pension and salary sacrifice won't.
£1. That's the point of the title. The plan works at any size.
This is the 2026/27 edition. A whole part covers the rule changes already announced, and what to do about them.