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Tax year ends 5 April: discover our latest offers
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͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏ 
͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏ 
͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏ 
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 ͏ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ 
 ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ 
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 ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­

  <http://res3.products.hl.co.uk/res/hargreaveslansdow_mkt_prod3/7992eb3e123b039b6a128b4a25af39ea4d2db80035bd1bf492fb7b12716b211b.png>



Dear


We can help you make the most of your money at every stage of life.




Before this tax year ends on 5 April, find out whether you could:



  <http://res3.products.hl.co.uk/res/hargreaveslansdow_mkt_prod3/5b25a233b6bead1a8f0d55e5203a6fdcd431e811ecba50d336c38553686032e9.png>
Save tax. Securing your valuable ISA and pension allowances could be a wise 
move. The more you save in tax, the harder your money can work for you.


  <http://res3.products.hl.co.uk/res/hargreaveslansdow_mkt_prod3/5b25a233b6bead1a8f0d55e5203a6fdcd431e811ecba50d336c38553686032e9.png>
Take advantage of our special offers. See what’s available for new and 
existing HL clients. Terms apply.


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Learn from people like you. Hear how HL clients, Jack and Julie, have used 
HL ISAs and pensions in their own lives.



 <https://t3.products.hl.co.uk/r/?id=h397f1f46,bccf8df,bcd6844&e=dXRtX2NhbXBhaWduPUVPTjM4JTIwLSUyMExhdW5jaCUyMGVtYWlsJTIwLSUyMEJyYW5kJTIwYW5kJTIwb2ZmZXJzJTIwLSUyME5vbiUyMENsaWVudHMmdXRtX3NvdXJjZT1BZG9iZUNhbXBhaWduJnV0bV9tZWRpdW09ZW1haWwmdGhlU291cmNlPUVPTjM4JmVfY3RpPTEwNzc1NjE2JmVfY3Q9RiZPdmVycmlkZT0x&s=7ZtTX5phB_r37_ila6HOMW2io_mis4zmV1xuOe6njg4> 
Learn more



Tax benefits depend on your circumstances and rules can change.




Investing for 5+ years increases your chances of positive returns compared 
to cash savings. But investments rise and fall in value, so you could get 
back less than you put in. Money in a pension is usually accessible from age 
55 (rising to 57 in 2028).




This isn’t personal advice. If you’re not sure what’s right for you, please 
ask for advice.







Say hello to doing more with your money.

Say hello to the UK’s #1 investment and savings platform.





HARGREAVES LANSDOWN

Invest • Save • Retire





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Hargreaves Lansdown is a trading name of Hargreaves Lansdown Asset 
Management Limited, a company registered in England and Wales with company 
number 01896481, authorised and regulated by the Financial Conduct 
Authority. Information about us can be found on the Financial Services 
Register <https://t3.products.hl.co.uk/r/?id=h397f1f46,bccf8df,bcd684c> 
(register number 115248).





If your circumstances mean you’d like extra support, or you have specific 
accessibility needs, find out how we can help 
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. You can also contact us to find out more.




© Copyright 2024 Hargreaves Lansdown. All rights reserved. Registered 
Office: 1 College Square South, Anchor Road, Bristol, BS1 5HL.




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the U.S. and other countries.





This email has been sent to bob@sarahharvey.com by Hargreaves Lansdown.


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&#xAD; &#xAD; &#xAD; &#xAD; &#xAD; &#xAD; &#xAD; &#xAD; &#xAD; &#xAD; =
&#xAD;    </div><!--[if mso]><table cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" width=3D"100%" role=3D"presentation"><tr><td =
style=3D"background-color: rgb(248, 248, 248);"><![endif]--><div =
class=3D"acr-container"><div class=3D"acr-structure" =
data-structure-id=3D"1-1-column" =
data-structure-name=3D"richtext.structure_1_1_column"><table =
class=3D"structure__table" align=3D"center" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"600" =
role=3D"presentation"><tbody><tr><th class=3D"colspan1"><div =
class=3D"acr-fragment acr-component image-container" =
data-component-id=3D"image" style=3D"width:100%;text-align:center;" =
data-contenteditable=3D"false"><!--[if mso]><table cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"100%" =
role=3D"presentation"><tr><td style=3D"text-align: =
center;"><![endif]--><img =
src=3D"http://res3.products.hl.co.uk/res/hargreaveslansdow_mkt_prod3/7992=
eb3e123b039b6a128b4a25af39ea4d2db80035bd1bf492fb7b12716b211b.png" =
style=3D"width:100%;height:auto;" width=3D"600" height=3D"325" =
title=3D"Say hello to life" alt=3D"Say hello to life"><!--[if =
mso]></td></tr></table><![endif]--></div></th></tr></tbody></table></div>=
<div class=3D"acr-structure" data-structure-id=3D"1-1-column" =
data-structure-name=3D"richtext.structure_1_1_column"><table =
class=3D"structure__table" align=3D"center" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"600" =
role=3D"presentation"><tbody><tr><th class=3D"colspan1"><div><table =
align=3D"center" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
role=3D"presentation" =
style=3D"width:100%;table-layout:fixed;"><tbody><tr><th =
class=3D"colspan1" =
style=3D"padding-left:20px;padding-right:20px;padding-bottom:20px;"><!--[=
if mso]><table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
width=3D"100%" role=3D"presentation"><tr><td style=3D""><![endif]--><div =
class=3D"acr-fragment acr-component" style=3D"font-family:Arial;" =
data-component-id=3D"text" data-contenteditable=3D"false"><!--[if =
mso]><table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
width=3D"100%" role=3D"presentation"<tr><td style=3D"font-family: =
Arial;"><![endif]--><div class=3D"text-container" =
data-contenteditable=3D"true"><p =
style=3D"font-weight:700;font-size:16px;line-height:22px;color:#000000;">=
Dear</p><br><p =
style=3D"font-size:16px;line-height:22px;font-weight:normal;color:#000000=
;">We can help you make the most of your money at every stage of life.
                              </p><p =
style=3D"font-size:16px;line-height:22px;font-weight:normal;color:#000000=
;"><br></p><p =
style=3D"font-size:16px;line-height:22px;font-weight:normal;color:#000000=
;">Before this tax year ends on 5 April, find out whether you =
could:</p></div><!--[if mso]></td></tr></table><![endif]--></div><!--[if =
mso]></td></tr></table><![endif]--></th></tr></tbody></table></div></th><=
/tr></tbody></table></div><div class=3D"acr-structure" =
data-structure-id=3D"1-1-column" =
data-structure-name=3D"richtext.structure_1_1_column"><table =
class=3D"structure__table" align=3D"center" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"600" =
role=3D"presentation"><tbody><tr><th class=3D"colspan1"><div><table =
align=3D"center" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
role=3D"presentation" =
style=3D"width:100%;table-layout:fixed;"><tbody><tr><th =
class=3D"colspan1" =
style=3D"padding-left:20px;padding-right:20px;padding-bottom:4px;"><div =
class=3D"acr-fragment acr-component" =
style=3D"font-size:16px;color:#000000;" data-component-id=3D"html" =
data-contenteditable=3D"true"><table role=3D"presentation"><tbody><tr =
style=3D"padding:0;vertical-align:top;text-align:left;"><td =
style=3D"padding-top:16px;padding-right:30px;">
                                    <img style=3D"display:block;" =
width=3D"8" =
src=3D"http://res3.products.hl.co.uk/res/hargreaveslansdow_mkt_prod3/5b25=
a233b6bead1a8f0d55e5203a6fdcd431e811ecba50d336c38553686032e9.png" =
alt=3D"">
                                  </td><td><p =
style=3D"font-size:16px;line-height:22px;font-weight:normal;color:#000000=
;"><span style=3D"font-weight:700;">Save tax. </span><span =
style=3D"font-weight:normal;">Securing your valuable ISA and pension =
allowances could be a wise move. The more you save in tax, the harder =
your money can work for =
you.</span></p></td></tr></tbody></table></div></th></tr></tbody></table>=
<table align=3D"center" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
role=3D"presentation" =
style=3D"width:100%;table-layout:fixed;"><tbody><tr><th =
class=3D"colspan1" =
style=3D"padding-left:20px;padding-right:20px;padding-bottom:4px;vertical=
-align:middle;"><div class=3D"acr-fragment acr-component" =
style=3D"font-size:16px;color:#000000;" data-component-id=3D"html" =
data-contenteditable=3D"true"><table role=3D"presentation"><tbody><tr =
style=3D"padding:0;vertical-align:top;text-align:left;"><td =
style=3D"padding-top:16px;padding-right:30px;">
                                    <img style=3D"display:block;" =
width=3D"8" =
src=3D"http://res3.products.hl.co.uk/res/hargreaveslansdow_mkt_prod3/5b25=
a233b6bead1a8f0d55e5203a6fdcd431e811ecba50d336c38553686032e9.png" =
alt=3D"">
                                  </td><td><p =
style=3D"font-size:16px;line-height:22px;font-weight:normal;color:#000000=
;"><span style=3D"font-weight:700;">Take advantage of our special =
offers. </span><span style=3D"font-weight:normal;">See what&#x2019;s =
available for new and existing HL clients. Terms =
apply.</span></p></td></tr></tbody></table></div></th></tr></tbody></tabl=
e><table align=3D"center" cellpadding=3D"0" cellspacing=3D"0" =
border=3D"0" role=3D"presentation" =
style=3D"width:100%;table-layout:fixed;"><tbody><tr><th =
class=3D"colspan1" style=3D"padding-left:20px;padding-right:20px;"><div =
class=3D"acr-fragment acr-component" =
style=3D"font-size:16px;color:#000000;" data-component-id=3D"html" =
data-contenteditable=3D"true"><table role=3D"presentation"><tbody><tr =
style=3D"padding:0;vertical-align:top;text-align:left;"><td =
style=3D"padding-top:16px;padding-right:30px;">
                                    <img style=3D"display:block;" =
width=3D"8" =
src=3D"http://res3.products.hl.co.uk/res/hargreaveslansdow_mkt_prod3/5b25=
a233b6bead1a8f0d55e5203a6fdcd431e811ecba50d336c38553686032e9.png" =
alt=3D"">
                                  </td><td><p =
style=3D"font-size:16px;line-height:22px;font-weight:normal;color:#000000=
;"><span style=3D"font-weight:700;">Learn from people like =
you.</span><span style=3D"font-weight:normal;"> Hear how HL clients, =
Jack and Julie, have used HL ISAs and pensions in their own =
lives.</span></p></td></tr></tbody></table></div></th></tr></tbody></tabl=
e></div></th></tr></tbody></table></div><div class=3D"acr-structure" =
data-structure-id=3D"1-1-column" =
data-structure-name=3D"richtext.structure_1_1_column"><table =
class=3D"structure__table" align=3D"center" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"600" =
role=3D"presentation"><tbody><tr><th class=3D"colspan1" =
style=3D"padding-top:40px;padding-bottom:40px;background-color:rgb(255, =
255, 255);"><div><table align=3D"center" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" style=3D"width:100%;table-layout:fixed;" =
role=3D"presentation"><tbody><tr><th class=3D"colspan1" =
style=3D"background-color:rgb(255, 255, 255);"><div =
class=3D"acr-fragment acr-component" style=3D"background-color:rgb(255, =
255, 255);font-family:Arial;" data-component-id=3D"html" =
data-contenteditable=3D"true"><table =
style=3D"border-spacing:0;border-collapse:collapse;" align=3D"center" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation"><tbody><tr><td =
style=3D"font-size:16px;text-transform:uppercase;color:#fff!important;col=
or:#fff;padding:18px 18px 18px =
18px;background:#0a70dc;vertical-align:middle;">

        <a class=3D"text-white" =
style=3D"color:#fff;text-decoration:none;" title=3D"Learn more" =
href=3D"https://t3.products.hl.co.uk/r/?id=3Dh397f1f46,bccf8df,bcd6844&e=3D=
dXRtX2NhbXBhaWduPUVPTjM4JTIwLSUyMExhdW5jaCUyMGVtYWlsJTIwLSUyMEJyYW5kJTIwY=
W5kJTIwb2ZmZXJzJTIwLSUyME5vbiUyMENsaWVudHMmdXRtX3NvdXJjZT1BZG9iZUNhbXBhaW=
duJnV0bV9tZWRpdW09ZW1haWwmdGhlU291cmNlPUVPTjM4JmVfY3RpPTEwNzc1NjE2JmVfY3Q=
9RiZPdmVycmlkZT0x&s=3D7ZtTX5phB_r37_ila6HOMW2io_mis4zmV1xuOe6njg4" >     =
     Learn more&nbsp;&nbsp;&nbsp;&nbsp;<img alt=3D"" width=3D"14" =
style=3D"display:inline-block;vertical-align:middle;" =
src=3D"http://www.hl.co.uk/__data/assets/image/0004/12249634/Arrow.png">
        </a>

      =
</td></tr></tbody></table></div></th></tr></tbody></table></div></th></tr=
></tbody></table></div><div class=3D"acr-structure" =
data-structure-id=3D"1-1-column" =
data-structure-name=3D"richtext.structure_1_1_column"><table =
class=3D"structure__table" align=3D"center" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"600" =
role=3D"presentation"><tbody><tr><th class=3D"colspan1" =
style=3D"padding-bottom:0px;"><div><table align=3D"center" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
style=3D"width:100%;table-layout:fixed;" =
role=3D"presentation"><tbody><tr><th class=3D"colspan1" =
style=3D"padding:16px 20px;background-color:rgb(255, 255, 255);"><!--[if =
mso]><table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
width=3D"100%" role=3D"presentation"><tr><td style=3D""><![endif]--><div =
class=3D"acr-fragment acr-component" style=3D"font-family:Arial;" =
data-component-id=3D"text" data-contenteditable=3D"false"><!--[if =
mso]><table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
width=3D"100%" role=3D"presentation"><tr><td style=3D"font-family: =
Arial;"><![endif]--><div class=3D"text-container" =
data-contenteditable=3D"true"><p =
style=3D"font-size:16px;line-height:22px;font-weight:normal;color:#000000=
;">Tax benefits depend on your circumstances and rules can change.
                              </p><p =
style=3D"font-size:16px;line-height:22px;font-weight:normal;color:#000000=
;"><br></p><p =
style=3D"font-size:16px;line-height:22px;font-weight:normal;color:#000000=
;">Investing for 5+ years increases your chances of positive returns =
compared to cash savings. But investments rise and fall in value, so you =
could get back less than you put in. Money in a pension is usually =
accessible from age 55 (rising to 57 in 2028).&nbsp;</p><p =
style=3D"font-size:16px;line-height:22px;font-weight:normal;color:#000000=
;"><br></p><p =
style=3D"font-size:16px;line-height:22px;font-weight:normal;color:#000000=
;">This isn&#x2019;t personal advice. If you&#x2019;re not sure =
what&#x2019;s right for you, please ask for advice.</p><p =
style=3D"font-size:16px;line-height:22px;font-weight:normal;color:#000000=
;"><br></p><p =
style=3D"font-size:16px;line-height:22px;font-weight:normal;color:#000000=
;"><br></p><p =
style=3D"font-size:16px;line-height:22px;font-weight:normal;color:#000000=
;"><span style=3D"font-weight:700;">Say hello to doing more with your =
money.=20
                                </span></p><p =
style=3D"font-size:16px;line-height:22px;font-weight:normal;color:#000000=
;"><span style=3D"font-weight:700;">Say hello to the UK&#x2019;s #1 =
investment and savings platform.</span></p></div><!--[if =
mso]></td></tr></table><![endif]--></div><!--[if =
mso]></td></tr></table><![endif]--></th></tr></tbody></table></div></th><=
/tr></tbody></table></div><div class=3D"acr-structure" =
data-structure-id=3D"1-1-column" =
data-structure-name=3D"richtext.structure_1_1_column"><table =
class=3D"structure__table" align=3D"center" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" width=3D"600" =
role=3D"presentation"><tbody><tr><th class=3D"colspan1"><div><table =
align=3D"center" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
style=3D"width:100%;table-layout:fixed;" =
role=3D"presentation"><tbody><tr><th class=3D"colspan1"><div =
class=3D"acr-fragment acr-component" data-component-id=3D"html" =
data-contenteditable=3D"true"><div><table align=3D"center" =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
style=3D"width:100%;table-layout:fixed;" =
role=3D"presentation"><tbody><tr><th class=3D"colspan1" =
style=3D"padding-top:24px;padding-bottom:20px;"><div><table =
align=3D"center" cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
role=3D"presentation" =
style=3D"width:100%;table-layout:fixed;"><tbody><tr><th =
class=3D"colspan1" style=3D"padding:16px 20px;"><!--[if mso]><table =
cellpadding=3D"0" cellspacing=3D"0" border=3D"0" width=3D"100%" =
role=3D"presentation"><tr><td style=3D""><![endif]--><div =
class=3D"acr-fragment acr-component" style=3D"font-family:Arial;" =
data-component-id=3D"text" data-contenteditable=3D"false"><!--[if =
mso]><table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
width=3D"100%" role=3D"presentation"><tr><td style=3D"font-family: =
Arial;"><![endif]--><div class=3D"text-container" =
data-contenteditable=3D"true"><p =
style=3D"font-size:14px;line-height:22px;font-weight:normal;color:#000000=
;"><span style=3D"font-weight:700;font-size:14px;">HARGREAVES =
LANSDOWN</span></p><p =
style=3D"font-size:14px;line-height:22px;font-weight:normal;color:#000000=
;">Invest &#x2022; Save &#x2022; Retire</p></div><!--[if =
mso]></td></tr></table><![endif]--></div><!--[if =
mso]></td></tr></table><![endif]--></th></tr></tbody></table></div></th><=
/tr></tbody></table></div><div><table align=3D"center" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" style=3D"width:100%;table-layout:fixed;" =
role=3D"presentation"><tbody><tr><th class=3D"colspan1"><div =
class=3D"acr-fragment acr-component" data-component-id=3D"html" =
data-contenteditable=3D"true"><!-- Separator --><table width=3D"94%" =
align=3D"center" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
role=3D"presentation"><tbody><tr><td style=3D"border-bottom:solid 2px =
#E7E7E7;direction:ltr;font-size:0px;padding:40px 20px 20px =
40px;text-align:center;">&nbsp;</td></tr></tbody></table></div></th></tr>=
</tbody></table></div><div><table align=3D"center" cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" style=3D"width:100%;table-layout:fixed;" =
role=3D"presentation"><tbody><tr><th class=3D"colspan2" =
style=3D"padding-top:30px;padding-right:20px;padding-left:20px;vertical-a=
lign:top;"><div class=3D"acr-fragment acr-component" =
style=3D"padding-bottom:10px;padding-top:0px;" =
data-component-id=3D"text" data-contenteditable=3D"false"><!--[if =
mso]><table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
width=3D"100%" role=3D"presentation"><tr><td style=3D"padding-bottom: =
10px; padding-top: 0px;"><![endif]--><div class=3D"text-container" =
data-contenteditable=3D"true"><p =
style=3D"font-size:14px;font-weight:normal;color:#000000;padding:4px;"><s=
pan style=3D"font-size:14px;font-weight:700;">Download the HL =
app</span></p></div><!--[if =
mso]></td></tr></table><![endif]--></div><div class=3D"acr-fragment =
acr-component image-container" style=3D"padding-bottom:8px;" =
data-component-id=3D"image" data-contenteditable=3D"false"><!--[if =
mso]><table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" =
width=3D"100%" role=3D"presentation"><tr><td style=3D"text-align: left; =
padding-bottom: 8px;"><![endif]--><table =
style=3D"width:auto;display:inline-block;" =
role=3D"presentation"><tbody><tr><td width=3D"82" =
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