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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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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Government support schemes for Covid-hit businesses are coming to an end
Advice Government support schemes to bolster business through the pandemic are ending, despite the extended lockdown
By David Prosser Last updated
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How flexible working could affect your pension
Advice Flexible working may have a permanent effect on how we save for retirement, says David Prosser.
By David Prosser Last updated
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Are your company’s assets at risk from your creditors?
Advice Loans with personal guarantees attached may now damage small companies, says David Prosser.
By David Prosser Last updated
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Stop living in fear of the pensions lifetime allowance
Advice Breaching the lifetime allowance (LTA) for pension savings can be expensive. So how can you cut the cost?
By David Prosser Last updated
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Why it might be better to delay saving for your retirement
Advice We are advised to put aside as much as we can as early as possible. But is that always sensible?
By David Prosser Last updated
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Should you move your business to a four-day week?
Advice Schemes to promote shorter working weeks could cause practical difficulties for businesses.
By David Prosser Last updated
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The bill for Covid bailout loans falls due for small businesses
Advice Here’s your business can tackle repayment demands for emergency Covid bailout loan schemes
By David Prosser Last updated
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Inheritance tax: how your pension can help you plan your estate
Advice Pensions can help you minimise your family’s potential inheritance-tax bill. David Prosser explains how.
By David Prosser Last updated
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Inheritance tax bills are set to rise – will you be caught out?
Advice The number of people who actually pay inheritance tax is very small. But more and more estates are set to be dragged into its net, says David Prosser. And that could include you.
By David Prosser Last updated
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Can your business secure a Restart Grant?
Advice Is your business eligible for the Restart Grant, the government-backed scheme that provides funding for firms as they emerge from the Covid-19 lockdown restrictions?
By David Prosser Last updated
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Equity release: should you take money out of your home?
Advice Tapping your home for cash via equity release has never been cheaper or easier. But there are pitfalls – so is it right for you?
By David Prosser Last updated
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Recovery Loan Scheme: the latest government aid package for small businesses
Advice The Recovery Loan Scheme will help companies weather the pandemic
By David Prosser Published
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The minimum pension withdrawal age is set to rise – don’t get caught short
Advice From April 2028, the earliest age at which you can take money from your pension savings will rise to 57. It's vital that you understand the detail of this change and act accordingly.
By David Prosser Published
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The end-of-tax-year to-do list for small businesses
Advice If you run a business, get on top of your paperwork before 2020-2021 draws to a close.
By David Prosser Published
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Sunak sticks with SEISS support scheme for the self-employed
Advice The chancellor has extended the SEISS scheme to help the self-employed through pandemic-induced difficulties.
By David Prosser Published
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Women could be compensated for state-pension shortfall
News A government inquiry has said that up to 200,000 women could be owed a collective £1.7bn in compensation, with the average woman being owed £13,500 in underpaid state pensions.
By David Prosser Published
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