If you want to pay less tax

[Ploptimus]

Don't use a scheme (dodgy umbrella).

Use Govt approved reliefs.

Pension contributions
EIS, SEIS, VCT
https://mooreks.co.uk/wp-content/upl...IS+and+VCT.pdf

And before anyone says the latter are risky, they're nowhere near as risky as using a scheme.

I tend to put bits of money in EIS/SEIS via Crowcube and Seedrs throughout each year with a plan that once I have done that for 3-5 years I may start getting some returns that I will also reinvest to reduce my tax liability. I tend to invest small amounts i.e. a couple of hundred at a time across a diverse range of companies.

[DealorNoDeal]

Don't use a scheme (dodgy umbrella).

Use Govt approved reliefs.

Pension contributions
EIS, SEIS, VCT
https://mooreks.co.uk/wp-content/upl...IS+and+VCT.pdf

And before anyone says the latter are risky, they're nowhere near as risky as using a scheme.