Planning is everything, as they say, and while it’s true of most things, it’s even truer when it comes to tax. Although it can be tempting now that financial year end is over to hide your head in the sand and not think of anything tax-related for the next ten months – please, don’t.

You’ve worked hard for your money and you expect it to work hard for you. Hence, there are few things more throat-blocking than opening your statement one morning and your investments are worth less than they were a month ago.