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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Make sure your pension savings don't breach the lifetime allowance
Advice Don’t forget the lifetime allowance when reviewing your pension planning – breaching it could prove very costly, says David Prosser.
By David Prosser Last updated
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How to fight cyber-crime in your small business
Advice There are five key areas for owners of small businesses to focus on when fending off digital attacks.
By David Prosser Published
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How to free up extra Christmas cash for your business
Advice Too few small businesses keep unnecessary costs to an absolute minimum. Here are six ideas that might pay for a Christmas bonus.
By David Prosser Published
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What to do if you still have a mortgage when you retire
Advice In the next few decades, many people will be paying back their home loans well into retirement. David Prosser explains their options.
By David Prosser Published
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How your business can win the race to recruit new staff
Advice Smaller companies can’t offer huge cash incentives for new staff, but they can still compete effectively for labour. David Prosser explains how.
By David Prosser Published
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Making sense of the new minimum pension age rules
Advice The rules surrounding the minimum age at which you can start tapping into your retirement savings have been tweaked, but are still confusing. David Prosser explains.
By David Prosser Published
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How your business should tackle the annual investment allowance – the “yo-yo tax”
Advice Approach the government’s fast-changing schemes to encourage business investment with caution, says David Prosser.
By David Prosser Published
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Put your pension on a firm footing with infrastructure assets
Advice Infrastructure produces reliable growth and is far less volatile than equities, says David Prosser.
By David Prosser Published
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Is your business struggling to pay back Covid loans? Here's what to do
Advice A third of small companies fear they may struggle to return state aid. Here's what to do if you're finding it hard.
By David Prosser Published
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Budget 2021: Here is what Chancellor Rishi Sunak announced
News Rishi Sunak delivered his much anticipated Budget today. David Prosser explains what it means for you.
By David Prosser Published
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How much money will you need to comfortably retire on?
Advice New research shows how much you might need to live comfortable life after you stop working.
By David Prosser Published
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How to build a website for your business
Advice Using the likes of Facebook and Instagram as shopfronts for your business could prove costly, says David Prosser. Here's what to do instead.
By David Prosser Published
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How your pension can cut your inheritance tax bill
Advice Your retirement savings can help you maximise the amount of money you leave to your family.
By David Prosser Published
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How small businesses can reduce their energy bills
Advice Here are the best ways to soften the impact of soaring power costs.
By David Prosser Published
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Dividend payout advantages drain away for small-business owners
Advice Life is getting harder for self-employed people and small business owners paying themselves through dividends rather than a salary”
By David Prosser Published
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Cybersecurity is crucial for small businesses
Advice Small companies tend to neglect the defence of their digital data, but the risks are very high, says David Prosser.
By David Prosser Published
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Time for small businesses to pay back emergency state aid
Advice Small companies struggling to repay emergency loans have several options, says David Prosser.
By David Prosser Published
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How to top up your state pension
Advice To get the full state pension, you will need to have made national insurance contributions for at least 35 years, But if don't qualify, you may be able to do something about it.
By David Prosser Published
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The drawbacks of pension drawdown
Advice Using pension drawdown to tap your retirement savings requires careful preparation, says David Prosser.
By David Prosser Published
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Government launches final Covid support scheme for the self-employed
Advice A fifth and final round of the government’s aid scheme for the self-employed, with grants of up to £7,500, has been launched.
By David Prosser Published
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Beware: the government could cut tax relief on pension contributions
Advice The government may soon cut tax relief on private retirement savings, says David Prosser.
By David Prosser Published
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Alternative finance – tap into new sources of credit for your business
Advice Britain’s booming alternative-finance sector is a boon for small businesses, says David Prosser.
By David Prosser Published
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Regulator to clamp down on transfers out of final salary pension schemes
Advice The Financial Conduct Authority wants to make it harder for people to leave final-salary pension schemes.
By David Prosser Published
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Don’t cut corners when insuring your business
Advice Scrimping on insurance policies for your business is a false economy, says David Prosser.
By David Prosser Published
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