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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Inheritance tax receipts rise again as rumours persist about Budget changes
Inheritance tax raised £2.8 billion during April to July 2024, which is £0.2 billion higher than the same period last year. Will the chancellor target the tax in her Budget?
By Ruth Emery Published
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Junior ISA wealth boom: number of kids with more than £100,000 trebles in a year
There are almost 2,000 junior ISAs worth more than £100,000, with some lucky children boasting nest eggs of more than £750,000. We look at how to turbo-charge your child’s savings
By Ruth Emery Published
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The £1m pension problem: Why you may not get 25% tax-free cash
The pension lifetime allowance has been axed, but there's a sting in the tail. Savers with large pensions could see their tax-free cash shrunk to just 10%. We explain what’s happening and what action you should take
By Ruth Emery Last updated
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UK economy expands with 0.6% GDP growth in second quarter
The UK economy has continued its recovery from the recession at the end of last year. What does it mean for interest rates?
By Ruth Emery Published
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Inflation rises to 2.2% - what does it mean for your money?
UK inflation has risen for the first time this year, breaching the Bank of England’s 2% target. What does it mean for households and interest rates?
By Ruth Emery Published
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More state pension errors uncovered – are you affected?
A new group of retirees have been underpaid their state pension. This could be just the “tip of the iceberg”. We explain who’s affected, and how to check.
By Ruth Emery Published
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Inflation is biggest risk to portfolios, say investors
Inflation is the biggest risk to portfolio performance, according to a poll of UK investors. Could inflation rise this week and how can you protect your investments?
By Ruth Emery Last updated
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RICS: Landlords disappear, and rents expected to rise further
RICS warns that the gap between rental supply and demand continues to widen. But, things are rosier in the sales market.
By Ruth Emery Published
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House prices jump 0.8% in July and could soar higher due to rate cut
Average UK house prices rose 0.8% last month, and 2.3% over the past year, according to Halifax. Could falling mortgage rates fuel a rise this year?
By Ruth Emery Published
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NS&I overshoots financing target - could we see more Premium Bond rate cuts?
Are NS&I Premium Bond prize fund rate cuts on the horizon? An attractive one-year savings bond plus ever-popular Premium Bonds meant NS&I raised too much money for the government last year
By Ruth Emery Published
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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 Last updated
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Rachel Reeves: Labour has inherited a projected overspend of £22 billion from the Conservatives
The Chancellor has announced an array of measures to save money, including scrapping the Stonehenge tunnel, ditching social care reforms, and making the winter fuel payment means-tested
By Ruth Emery Published
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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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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
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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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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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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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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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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