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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Landmark ruling puts pension tax relief in jeopardy
News Savers who made in specie contributions to pensions – transferring assets such as art or property instead of paying in cash – could face big bills
By David Prosser Published
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Savers tap in to their pensions as Covid-19 saps cash
News Covid-19 hardship is leading record numbers of people to dip into their pension savings early.
By David Prosser Published
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A Sipp provider can’t do your research for you
News Execution-only platforms have no responsibility to protect you from your own bad investment decisions, a court has ruled.
By David Prosser Published
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Small business: how to prepare your staff for the return to work
Advice Small businesses contemplating how to respond to the prime minister’s call to return to work need to tread carefully.
By David Prosser Published
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Small business: how to approach job cuts
Advice Strict rules govern the redundancy process. Prepare very carefully if you're intending to cut jobs in your business.
By David Prosser Published
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Small firms get trade-credit lifeline
News Small businesses dependent on trade-credit insurance have been thrown a lifeline by a new government pledge to stand behind such policies.
By David Prosser Published
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What to do if your employer is skimping on pension contributions
Advice Many employers are cutting their contribution to workplace pension scheme to save money . Here's what you can do.
By David Prosser Published
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Lockdown chores for pension savers
Advice Add tracing your old forgotten pensions to the list of chores to do with your lockdown free time.
By David Prosser Published
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Small businesses: dealing with your landlord and suppliers
Advice For many small businesses, the key to getting through the Covid-19 pandemic may be negotiating a sympathetic arrangement with the landlord or key suppliers.
By David Prosser Published
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Beefed up government loan scheme brings big help for small firms
News The government’s Bounce Back loan package for small businesses affected by the Covid-19 crisis is exceptionally generous.
By David Prosser Published
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What being furloughed means for your workplace pension
Advice An enforced break from work will chip away at your retirement savings. What are your options?
By David Prosser Published
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Pensions Regulator freezes transfers out of final salary pension schemes
News Amid the Covid-19 panic, the Pensions Regulator has given 5,500 defined benefit pension schemes the right to suspend all transfers for up to three months.
By David Prosser Published
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Government patches up small business loan scheme
News Changes to the Coronavirus Business Interruption Loan Scheme, under which the government guarantees 80% of loans made by banks and lenders, are having a positive effect.
By David Prosser Published
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Coronavirus crisis hits occupational pension schemes
Advice A sharp fall in stocks and bond yields has damaged occupational pensions, endangering benefits.
By David Prosser Published
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Gated property funds hit income drawdowns
News Many property fund managers have banned savers from withdrawing money.
By David Prosser Published
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Government revamps loan scheme for small businesses
Advice The tweaks to the government’s coronavirus aid package should help small companies
By David Prosser Published
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Start-ups could be finished without government help
News Many start-up companies are unlikely to qualify for help from the government’s Business Interruption Loan Scheme.
By David Prosser Published
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Coronavirus: how are my pension savings affected and what should I do?
Advice Falling markets will have taken a bite out of your pension savings. Here are the key questions to consider.
By David Prosser Published
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Coronavirus: help for the self-employed
Advice The government has unveiled new measures for sole traders. But it is complicated – so read the small print carefully.
By David Prosser Published
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How to use the business bailout
Advice The government has provided unprecedented support to small businesses. Here’s how to benefit.
By David Prosser Published
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Coronavirus: where the self-employed can turn for help
Advice Freelancers and the self-employed should check what help they may be eligible for.
By David Prosser Published
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Tinkering with the pensions tapering system
News The problems caused by the annual pension contribution allowance have been partially addressed, says David Prosser.
By David Prosser Published
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What IR35 means for you
Advice The rules distinguishing freelancers from employees are being updated. Here’s what you need to know.
By David Prosser Published
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Bad news on pensions buried in the Budget
News Changing the way pensions are increased in line with inflation could cost the average pension scheme member as much as £12,000.
By David Prosser Published
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