The UK taxation position towards individuals who earn or dispose of crypto assets is highly complex. The main requirement is to keep records of your holdings to calculate gains and losses in the case of a disposal. For this reason, it is advisable to invest only a small percentage of your net worth in cryptocurrency, and only if you know what you are doing. Buying and selling cryptocurrency is a high-risk activity.

Safest Crypto Exchanges in the UK has data-sharing agreements with major centralised exchanges, allowing them to access detailed transaction histories and user identities stretching back as far as 2014. This means that even if you transfer your crypto to a cold wallet, you may still have to declare it to HMRC in the event of a disposal.

UK Crypto Taxation 2025 – Key Changes and Tax-Saving Strategies

HMRC treats cryptocurrency as an asset, and therefore any profit from a sale of crypto is subject to Capital Gains Tax. This includes buying one coin for another, including stablecoins, exchanging crypto for fiat currency, spending crypto on goods and services, or gifting it to someone else. HMRC also taxes profits from lending or staking cryptoassets and income from certain decentralised finance activities. This is taxable as income in the hands of the individual and may be included in their Self-Assessment tax return.

Keeping accurate records is essential to avoid paying unnecessarily high amounts of tax. Several online platforms and software exist to assist with this process, but they are only as good as the information that you provide them with. If you are unsure whether the report generated will be accurate, it is best to seek professional help.

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1. The best investment books to read offer investment fundamentals without a lot of jargon.

Best investment books to read don’t just teach theory; they show you how to apply that theory in real life. Whether you want to learn how to day trade for a living, how to manage significant student loans or what to do during big debt crises, the most successful investors are those that don’t just understand the theory of investing but actually put it into practice.

2. The best investment books include a mix of traditional, modern and newer topics.

While old-school books like The Intelligent Investor, Rich Dad, Poor Dad, and the Millionaire Next Door will always be relevant, more recent investment books can be just as useful for new or experienced investors. This includes books written by Morgan Housel, who explains how to be a better investor through a series of 19 short stories; Benoit Mandelbrot, whose book applies his concept of fractal geometry to the way the financial world works; and Ray Dalio, co-founder of the world’s largest hedge fund Bridgewater Associates, who has been publishing research observations on a wide range of subjects since 2015.

3. The best investment books focus on the basics.

The investment classics that are a must-read for anyone looking to start or build on their portfolio include The Intelligent Investor and Security Analysis. Both books were updated a few years ago and are great for learning about value investing, understanding risk, identifying bargains, and how to recognize cycles in the market. For the less technically inclined, Joel Greenblatt’s “The Little Book That Still Beats the Stock Market” lays out his formula for success using middle-school math and plain language.