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This is part 4 and our final instalment of the tax planning series for this year. All good things must come to an end, and we are now in the last week before the end of financial year. The previous three instalments have been focused on businesses, and so this week, it is all about effective tax tips to help individuals legally minimise their tax. Interest Income 1. If you are saving up for a home deposit, the last thing you need is for those savings to be chipped away at by a tax bill at the end of the year! Consider holding the cash in the name of the person with the lowest taxable income. 2. Interest income is generally taxable when it is received, accordingly if you hold term deposits, t