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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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How to prevent your businesses becoming embroiled in a trademark dispute
Analysis Thorough research could save you the headache of a trademark dispute, says David Prosser.
By David Prosser Published
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Transferring out of your final salary pension could cost you dear
Advice Thinking about transferring out of a final salary pension? It could cost you a lot more than you might think, says David Prosser.
By David Prosser Published
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Flexible working: don't rush your staff back the office
Advice The government is urging people to get back to the office. But there are good reasons for many small businesses to embrace flexible working.
By David Prosser Published
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Private pensions: act early to avoid a big inheritance tax bill
Advice Frozen inheritance-tax thresholds mean HMRC is taking ever more in death duties. But there are steps you can take to avoid it, says David Prosser.
By David Prosser Published
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How to find an angel investor for your business
Advice Make sure your start-up business has the right type of backer before signing a deal, says David Prosser.
By David Prosser Published
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The risks of using equity to release to cash in on your home
Analysis Equity release is getting more popular. But think carefully before joining in, says David Prosser.
By David Prosser Published
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AJ Bell's new app aims to make investing a Dodl
News Dodl, AJ Bell’s new app-based investment service, is cheap – although a wider range of investments would be welcome, says David Prosser.
By David Prosser Published
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Shortage of Sharia-compliant pensions lets down savers
News A lack of Sharia-compliant pensions is leaving many people unable to save for retirement.
By David Prosser Published
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Small business owners: don’t duck the need to raise prices
Advice Many small businesses worry about passing on costs, but soaring inflation makes it a matter of survival, says David Prosser.
By David Prosser Published
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Why hackers are increasingly targeting small businesses – and what you can do about it
Analysis Almost half of small businesses were targeted by hackers last year. David Prosser explains what is behind the cyber attacks.
By David Prosser Published
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How salary sacrifice can help mitigate against National Insurance rise
Analysis National Insurance is rising on 6 April but the good news is that salary sacrifice schemes are a good way to decrease taxable income, says David Prosser.
By David Prosser Published
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Should you use debt or equity to grow your business?
Analysis Loans and equity financing come with different terms and conditions, says David Prosser.
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Here’s what the Spring Statement means for your money
Analysis David Prosser looks into the details of Rishi Sunak's "jam tomorrow" Spring Statement and explains just what it means for you and your money.
By David Prosser Published
Analysis