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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Should you transfer your defined-benefit pension scheme to a money purchase scheme?
Features Financial watchdogs have made it clear that they believe transferring money out of a defined-benefit pension scheme is a bad idea for most people. And yet people continue to defy this guidance.
By David Prosser Published
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Amazon's new tools for small sellers
Features Amazon has launched 150 separate tools and services this year designed to help small sellers operating through its marketplaces.
By David Prosser Published
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Where small businesses can get help finding apprentices
Features Many small businesses are keen to take on young apprentices. Here's where to get help.
By David Prosser Published
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Companies cut back on their pensions bills
Features Britvic is the latest firm hoping a cheaper inflation index will cut pension costs. David Prosser reports.
By David Prosser Published
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How to fund your firm
Features Need to raise money? Look beyond the bank, says David Prosser.
By David Prosser Published
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Switching your business bank account made simple
Features More small businesses than ever before are switching bank account, encouraged to change provider by increasing competition for their custom and moves to make the process simpler.
By David Prosser Published
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Why switching your pensions provider is so traumatic
Features Switching to another pensions provider is much harder than it should be. Here's how to speed it up.
By David Prosser Published
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Freelance workers face IR35 tax trap
Features New IR35 tax rules governing “disguised employment” will hit firms and freelance workers.
By David Prosser Published
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Pensions: how to divide the spoils when getting a divorce
Features With just 36% of divorce settlements including provisions for sharing pension asset, women getting divorced need much better advice about their pension options.
By David Prosser Published
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When to top up your national insurance to boost your state pension
Features If your national insurance contributions fall short of getting you a full state pension, you can make voluntary top-up contributions.
By David Prosser Published
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Small businesses: how to chase late payments
Features For small businesses, customers in arrears are a big headache. Know your rights when chasing late payments.
By David Prosser Published
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Warning of pension contributions shortfall may be overblown
Features The typical pension scheme member is only contributing 5% of pay to their pension, raising questions about whether they will have enough to retire on. Yet the situation may not be as gloomy as many people suggest.
By David Prosser Published
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Sticking with your pension scheme's default funds doesn’t pay
Features Savers who invest their pension contributions in the default funds offered by providers without checking their performance are jeopardising their financial futures.
By David Prosser Published
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Good news for pensions savers from HMRC
Features HMRC has withdrawn its appeal over breaches of the pensions lifetime allowance.
By David Prosser Published
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SMEs shun cloud computing
Features Nearly 60% of SMEs have yet to begin using cloud computing services. It’s important that they do.
By David Prosser Published
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The FCA falls short on small-business lending
Features Small-business lending is still not within the FCA’s remit. So if you feel you have been mistreated by your bank, your ability to seek redress is limited.
By David Prosser Published
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Don't raid your pension savings to buy a property
Features Housing minister James Brokenshire has suggested you should be able to raid your pension savings to fund the purchase of your first home. You shouldn't.
By David Prosser Published
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Government admits it has got its state pension sums wrong
Features Approximately 360,000 people have been given incorrect forecasts of their state pension benefits, the government has confirmed.
By David Prosser Published
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How small businesses can tap the EIS
Features Small businesses can benefit from the enterprise investment scheme (EIS), but they must tread carefully.
By David Prosser Published
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Small business: How to stay safe from cybercrime
Features Small and medium-sized enterprises are tempting targets for cybercriminals. David Prosser explains how to keep your business safe.
By David Prosser Published
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Grandparents allowances: make sure you claim pension benefits for babysitting
Features Many people may be missing out on future state pension benefits because they’re unaware of grandparents allowances that reward them for caring for young children.
By David Prosser Published
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R&D tax relief capped for small businesses
Features Small businesses’ access to valuable tax relief when investing in research and development (R&D) could be curtailed by attempts to crack down on fraud in the system.
By David Prosser Published
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Millions fall foul of pensions contributions rule
Features Almost a million savers could face punitive tax charges on their pension contributions because they have unwittingly triggered a substantial reduction in their annual contributions allowance.
By David Prosser Published
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Pension savings shortfall among the self employed
Features Almost two-thirds of self-employed people currently have no pension savings, while more than a quarter aren’t making any savings at all
By David Prosser Published
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