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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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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Another pensions scandal is brewing
News Poor advice has prompted many savers to transfer out of final-salary pension schemes for no good reason.
By David Prosser Published
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Small business loans: how best to finance your firm's assets
Advice Banks won’t lend much to small businesses, but there are plenty of other sources of cash.
By David Prosser Published
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Have you been paid too much pension by mistake?
Advice If your pension provider messes up and pays you more pension than you’re entitled to, you will almost always have to give it back. However, there are exceptions.
By David Prosser Published
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How to start exporting with your small business
Advice Small businesses aren’t exporting enough. They need to do their homework, says David Prosser
By David Prosser Published
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Beware the rogue energy suppliers
News Ofgem has warned small businesses to be on their guard against rogue “energy brokers” flogging poor-value gas and electricity contracts.
By David Prosser Published
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How much extra state pension you will get if you delay claiming it
Advice If you delay claiming your state pension by a year or two you could end up much better off in retirement.
By David Prosser Published
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Equity release: how to tap your house for cash
Advice The pros and cons of releasing equity from your home compared with moving to a smaller one
By David Prosser Published
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How to monetise your company's website
Advice If your company has a website, make sure it’s attracting visitors
By David Prosser Published
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Pass on your pension without paying inheritance tax
Advice The 2015 pension reforms make it easier for you to ensure your heirs avoid inheritance tax when you die
By David Prosser Published
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Is your business paying enough VAT?
Advice Any business with annual sales of more than £85,000 must be registered for VAT.
By David Prosser Published
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Small business: how to chase late-paying customers
Advice Many small business have trouble getting their customers to pay up on time. Here's what you can do about it.
By David Prosser Published
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Small business: where to find funds for your company
Features There are plenty of potential sources of money to help your startup business flourish, says David Prosser.
By David Prosser Published
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Why it pays to move your occupational pension out of its default fund
Features If you’re a member of an occupational pension scheme, moving your savings out of its default investment fund could significantly increase your wealth in retirement.
By David Prosser Published
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Should you take a 25% lump sum from your pension fund?
Features If you’re approaching retirement, think twice before exercising your right to take 25% of your pension fund savings as a tax-free cash lump sum.
By David Prosser Published
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Why you should keep a close eye on your National Insurance contributions
Features The state pension now requires a 35-year record of National Insurance payments to get the maximum payment. Check your record is correct, because any missing contributions can prove costly.
By David Prosser Published
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Get your business ready for IR35
Features IR35 – the tax rules distinguishing freelancers from employees – are getting tougher. Here's how to make sure our business can cope.
By David Prosser Published
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Don’t get caught by the pension contributions cap
Features It’s easier to breach your annual pension contributions allowance than you might think. Here's how to make sure you don't go over it.
By David Prosser Published
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How to make sure your business rates bill isn't too high
Features All three of the main political parties are promising a rethink of the business rates system. Until then, here's how to make sure you're not paying too much.
By David Prosser Published
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Tread carefully if you're thinking about equity release
Tips The equity release market is getting its act together. But the cost means tapping your property for cash should be a last resort for most people.
By David Prosser Published
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How to protect your business's intellectual property
Features It’s not just tech giants with new inventions that need to keep their intellectual property safe.
By David Prosser Published
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The pension income-drawdown time bomb
Features Some pension savers being paid a regular income from their retirement funds could be heading for disaster.
By David Prosser Published
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If your business employs freelancers, beware of regulatory changes
Features Changes to rules governing contractors and freelancers are coming in April – make sure your business is ready.
By David Prosser Published
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A final-salary pensions muddle
Features People saving into a final-salary pension scheme who are receiving compensation for past discrimination may end up with big tax bills.
By David Prosser Published
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