Ruth Emery
Ruth is an award-winning financial journalist with more than 15 years' experience of working on national newspapers, websites and specialist magazines.
She is passionate about helping people feel more confident about their finances. She was previously editor of Times Money Mentor, and prior to that was deputy Money editor at The Sunday Times.
A multi-award winning journalist, Ruth started her career on a pensions magazine at the FT Group, and has also worked at Money Observer and Money Advice Service.
Outside of work, she is a mum to two young children, while also serving as a magistrate and an NHS volunteer.
Latest articles by Ruth Emery
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Could Labour impose a “double death tax” of more than 50%?
Speculation is mounting that capital gains tax will be reformed in the Budget - and one option is to charge bereaved families the tax on top of inheritance tax. We explain how it could work
By Ruth Emery Published
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What's happening to UK mortgage rates?
Mortgage pricing has started to drop as lenders anticipate an interest rate cut in the coming months
By Ruth Emery Last updated
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Is now a good time to buy a house?
Advice Is now a good time to buy a house? That’s something many people might be asking amid lower house price growth and relatively cheaper mortgage rates.
By Ruth Emery Last updated
Advice -
How working part-time in retirement could boost your pension by £97,000
Easing into retirement by working a few days a week could add thousands to your pension pot. We crunch the figures to see how working part-time can boost your pension po
By Ruth Emery Published
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Nationwide cuts mortgage rates as they dip below 4% for first time since February
The building society’s cheapest deal is now priced at 3.99%. Whether you’re buying or remortgaging, we look at whether rates could drop further in the coming months
By Ruth Emery Published
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Buy-to-let mortgage market shrinks for first time ever
The volume of buy-to-let mortgage lending more than halved last year, as higher interest rates, a stamp duty surcharge and reduced tax relief put many landlords off
By Ruth Emery Published
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How to claim compensation for flight delays. What are your rights?
Over 1,000 flights have been cancelled due to today's major IT outage affecting travel, banks and even healthcare. We look at your rights if your flight is delayed or cancelled because of the outage or other reasons
By Ruth Emery Last updated
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How are Premium Bonds prize winners notified – and who is Agent Million?
How are Premium Bond winners notified, how do the winnings get paid and who is NS&I's Agent Million?
By Ruth Emery Last updated
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Will Labour axe the 25% pension tax-free cash?
With a pension review on the way, some savers are worried that the government could change or scrap the popular tax-free cash perk
By Ruth Emery Published
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Beware the savings tax trap: 6 million savers at risk of paying tax on their interest
Advice The number of savers exceeding their personal savings allowance is set to double this year. We reveal clever ways to shelter your cash from the taxman
By Ruth Emery Last updated
Advice -
The King’s Speech: what will be included?
Labour's legislative agenda will be set out in the King’s Speech. But when it will take place, and what policies are likely to be included?
By Ruth Emery Last updated
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New pensions minister: key priorities for Emma Reynolds
Emma Reynolds, MP for Wycombe, has become the new pensions minister. We look at what’s waiting in her in-tray, and the main priorities and challenges that lie ahead
By Ruth Emery Published
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10 ways to cut your capital gains tax bill
The government hasn’t ruled out changes to capital gains tax, leading to speculation that a tax hike could be coming in the Labour Budget. But there are ways to shelter your money from CGT
By Ruth Emery Published
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How to protect your wealth from Labour
Keir Starmer promised to “not increase taxes on working people”. But could the new government spell pain for the pound in your pocket in other ways? We look at what you can do to shield your money from Labour.
By Ruth Emery Last updated
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Consumer Duty: how the rules are changing financial services - and what they mean for you
Consumer Duty rules came into force almost a year ago, aiming to put customers’ needs first - but have they made a difference?
By Ruth Emery Last updated
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Number of low-deposit mortgages hits two-year high - what are your options?
The availability of mortgage deals for those with a 5% deposit has risen in recent years. We look at the options for first-time buyers.
By Ruth Emery Published
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When will Labour's first Budget happen?
We look at when the Labour government will likely call its first Budget - and what could be announced.
By Ruth Emery Last updated
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Will Labour introduce a retirement tax?
Rishi Sunak said a Labour government would subject the state pension "to a retirement tax”. Is this claim true? And what else could Labour do to pensions?
By Ruth Emery Last updated
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Is an inflation-linked annuity or a level annuity better value?
What makes more sense, an inflation-linked annuity or a level annuity, as a retirement plan when inflation is low?
By Ruth Emery Published
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Metro Bank axes fee-free spending abroad
Customers will start having to pay 2.99% to use their debit cards abroad later this summer. We have all the details - plus the best cards to use when travelling abroad
By Ruth Emery Published
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Revealed: the investment platforms that pay less than 2% interest on cash holdings
News Do you know how much interest the cash balance in your investment portfolio, ISA or pension earns? We lift the lid on the best and worst interest-payers - and what you can do about it.
By Ruth Emery Last updated
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Stocks and shares beat cash ISAs despite high interest rates
Exclusive analysis for MoneyWeek shows that the stock market beat cash ISAs last year - and when inflation is factored in, cash savers actually made a loss. We run through the figures.
By Ruth Emery Last updated
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NS&I comparison: how does it compare to other savings providers?
We look at whether it’s worth going with the government-backed organisation, or whether other savings providers offer a better deal.
By Ruth Emery Last updated
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What happens to your pension if you retire abroad?
We look at what happens to your pension if you retire abroad. Can you transfer a UK pension scheme overseas and how do you withdraw money from it?
By Ruth Emery Published