
David Prosser
David Prosser is a regular MoneyWeek columnist, writing on small business and entrepreneurship, as well as pensions and other forms of tax-efficient savings and investments.
David has been a financial journalist for almost 30 years, specialising initially in personal finance, and then in broader business coverage. He has worked for national newspaper groups including The Financial Times, The Guardian and Observer, Express Newspapers and, most recently, The Independent, where he served for more than three years as business editor. He has won a number of awards, including the Harold Wincott Personal Finance Journalist of the Year, the Headline Money Journalist of the Year and the BIBA Journalist of the Year. He has also been a frequent contributor to broadcast news, providing expert advice and punditry on radio and television.
For the past ten years, David has worked as a freelance journalist, writing for a broad range of newspapers, magazines and online publications. He also writes a regular column for Forbes, and is a frequent contributor to both specialist and consumer publications.
Latest articles by David Prosser
-
How small businesses can retain staff in a competitive job market
Small businesses are struggling to retain staff and compete against large companies with deep pockets.
By David Prosser Published
-
Should you retire abroad?
Check the regulations governing pension savings carefully before you decide to retire abroad.
By David Prosser Published
-
Should you defer your pension and stay in work?
Advice The pros and cons of deferring your pension and staying in employment beyond 66 are finely balanced. We look at how your retirement income could be affected.
By David Prosser Last updated
Advice -
When can you retire?
Analysis An opaque outlook for the official state-pension age makes planning harder.
By David Prosser Published
Analysis -
How to pick a Sipp
Features Self-invested personal pensions (Sipps) let you manage your pension plan, but charges vary greatly between providers. We explain how you can keep your costs low.
By David Prosser Last updated
Features -
Should you take a 25% tax-free pension lump sum in instalments?
Advice Taking out a 25% tax-free lump sum sounds appealing but it might not be the best way to manage your pension.
By David Prosser Last updated
Advice -
How to avoid pension fraud
Advice Pension fraud remains rampant. Here are the main ploys to look out for
By David Prosser Published
Advice -
How inflation will hit your pension savings
Analysis Many pension schemes that offer protection from price rises may not be as good as they seem.
By David Prosser Last updated
Analysis -
Equity release v downsizing – which is best?
Advice Equity release products are on the rise following a slowdown at the end of 2022. Should you consider one, or is downsizing a better way to hold on to your money?
By David Prosser Last updated
Advice -
Pension contributions: what you need to declare on your tax return
Advice Make sure you don't forget to declare your pension contributions in your tax return
By David Prosser Published
Advice -
Isas vs private pensions – which is better for retirement?
Advice Isas are becoming a popular option for retirement, but private pensions still have certain advantages.
By David Prosser Published
Advice -
Six mistakes to avoid when starting a business
Advice Around 60% of new businesses fail within three years, says David Prosser. Here, he outlines six key pitfalls to avoid when starting a business.
By David Prosser Published
Advice -
Energy bill help for small businesses
Advice It's not just households struggling with soaring energy bills. Small business are too. But, says David Prosser, there are several ways to help mitigate the impact.
By David Prosser Published
Advice -
How your business can help its staff through the cost-of-living crisis
Advice There are several ways companies can alleviate the cost-of-living crisis for their employees, says David Prosser. Here are a few to consider.
By David Prosser Published
Advice -
Why you should use a salary sacrifice scheme to save more into your pension
Advice Salary sacrifice schemes can be a valuable perk when you are building up a pension, says David Prosser.
By David Prosser Published
Advice -
Why switching your business account can get you a better deal
Analysis Two-thirds of firms have not switched business accounts in the last six years but shopping around for a better deal could pay off now that there is more competition in the market, says David Prosser.
By David Prosser Published
Analysis -
Should you buy an annuity as rates start to rise?
Advice Pensioners who want to use their retirement savings to buy an annuity for a guaranteed yearly income can now earn more as interest rates rise.
By David Prosser Published
Advice -
Will the Recovery Loan Scheme rescue struggling small businesses?
Advice The government is going ahead with a two-year expansion of the Recovery Loan Scheme, which it hopes will help firms still getting back on their feet after Covid-19.
By David Prosser Published
Advice -
How to protect your pension pot from market turmoil
Advice The traditional way to protect your pension fund from market risk is to begin shifting your savings out of equities well ahead of retirement. But there are some problems with this approach, says David Prosser.
By David Prosser Published
Advice -
How to avoid a wage spiral in your business
Advice Demands for higher pay are spreading. How should small business owners react?
By David Prosser Published
Advice -
How venture capital trusts can provide income and growth for pension savers
Advice Venture-capital trusts provide both capital gains and juicy dividends, which makes them the investment vehicle of choice for many pension savers. But they are risky, says David Prosser, so do your homework.
By David Prosser Published
Advice -
Beware of scams on your business’s Facebook account
Advice Fraudsters could hack into your business’s Facebook account and use your money to advertise their products online.
By David Prosser Published
Advice -
How invoice financing can help your business
Advice Invoice finance could help your business cope with late payments, says David Prosser.
By David Prosser Last updated
Advice -
High inflation means the end of the “4% rule” for retirees
Advice High inflation means that it’s time to reassess how much you withdraw from your pension each year if you don't want to run out of money .
By David Prosser Published
Advice