Tom Higgins
Tom is a journalist and writer with an interest in sustainability, economic policy and pensions, looking into how personal finances can be used to make a positive impact. He graduated from Goldsmiths, University of London, with a BA in journalism before moving to a financial content agency.
His work has appeared in titles Investment Week and Money Marketing, as well as social media copy for Reuters and Bloomberg in addition to corporate content for financial giants including Mercer, State Street Global Advisors and the PLSA. He has also written for the Financial Times Group.
When not working out of the Future’s Cardiff office, Tom can be found exploring the hills and coasts of South Wales but is sometimes east of the border supporting Bristol Rovers.
Latest articles by Tom Higgins
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FCA tells banks to speed up savings rate increases
Record profits and low savings rates spurred the FCA to meet with some of the UK’s top banks.
By Tom Higgins Published
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July's NS&I Premium Bond prize draw - are you a winner?
Two lucky NS&I Premium Bond winners are now millionaires. Find out here you are one of them.
By Tom Higgins Published
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I wish I knew what a drawdown was, but I’m too embarrassed to ask
Videos Pension drawdown is a way of taking cash out of your pension pot and funding your lifestyle in retirement. But how does it work and is it the best option for you?
By Tom Higgins Last updated
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What is an annuity?
Glossary Annuity rates have been steadily increasing this year, and sales have also risen. But what is an annuity, what are the pros and cons, and should you buy one?
By Tom Higgins Last updated
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Defined benefit and defined contribution pensions explained
Videos Defined benefit and defined contribution pensions are the main types of schemes we have in the UK. But what's the difference between them?
By Tom Higgins Last updated
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UK economy returns to growth but rate hike worries remain
Strong consumer spending could drive the Bank of England to increase interest rates yet again
By Tom Higgins Published
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FCA to force “cooling-off period” for new crypto investors
News Firms will have ensure investors have the appropriate knowledge and experience to invest in crypto as the FCA cracks down on the industry.
By Tom Higgins Last updated
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The cost of petrol in the UK compared with the rest of the world
News The price of petrol in the UK went through the roof last year, but has since settled. We look at how UK petrol price compares with the rest of the world.
By Tom Higgins Published
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Housing slowdown ‘deeper than anticipated’ as property sales slump
News New data from HMRC shows a fall in property sales - now experts predict a delay to the housing recovery
By Tom Higgins Published
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June’s NS&I Premium Bond prize draw - are you this month’s millionaire?
News Two fortunate NS&I Premium Bond winners are now millionaires. Find out here if you’re one of them.
By Tom Higgins Published
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30% jump in shareholder voting - how can you vote in upcoming investment trust AGMs?
Tips The number of investors voting at AGMs has shot up since 2021 by 30% - but many still do not vote. With key votes coming up, here is how you can have a say on your stocks.
By Tom Higgins Last updated
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Zoopla: House sales hit yearly high but outlook depends on BoE rate hike
News Rebounding activity in the UK housing market could be undone by rising mortgage rates.
By Tom Higgins Published
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UK inflation slides to 8.7% - what does it mean for your money?
News Inflation has dropped below 10% for the first time in months, but with food prices at a 45-year high, is this good news and what does it mean for your money?
By Tom Higgins Published
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Three British stocks offering all-weather income
Tips A professional investor tells us where he’d put his money. This week: Brendan Gulston, co-manager of the LF Gresham House UK Multi Cap Income Fund.
By Tom Higgins Published
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NS&I boosts ISA interest rates
News Over 333,000 customers are set to benefit from the boosted ISA rate, but is it worth switching to NS&I?
By Tom Higgins Published
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Financing an electric vehicle – which deal is best?
Tips HP, PCP, lease or subscription? Find out the best way to finance a new electric vehicle
By Tom Higgins Published
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Halifax: House prices fall by almost £1,000
News Latest Halifax house price index reveals the fall in average house prices brings to an end three months of steady rises - what does it mean for the housing market?
By Tom Higgins Published
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Nationwide issues scam warning after rise in willingness to take more investment risk
News Latest research shows significant numbers of people are willing to take more investment risk to make money amid the cost of living crisis - leaving them vulnerable to scammers.
By Tom Higgins Published
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Six IHT myths debunked
Analysis Life’s two certainties - death and taxes - come together to form the confusing world of inheritance tax. Here is everything you need to know about the misunderstood space to help save you money.
By Tom Higgins Published
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Record food price rises keep inflation above 10%
News The highest food price rise in 45 years has spurred inflation to remain above 10%
By Tom Higgins Published
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The best cities for buy-to-let investors
News As returns come under pressure in the buy-to-let market, these cities still offer attractive returns for investors looking to earn a passive income.
By Tom Higgins Published
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Will IHT be cut?
News Sunak could make cuts to Inheritance Tax cuts later this year, reports suggest. We explain what this could mean for you.
By Tom Higgins Published
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GDP flatlines, but the UK economy remains resilient
News Latest Office for National Statistics figures show the UK economy avoiding recession, although risks remain in the months ahead.
By Tom Higgins Published
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The most expensive place to buy a seaside home
News House prices in some of the UK’s best seaside towns have doubled since 2012 - we reveal the most expensive and cheapest places to buy a seaside home.
By Tom Higgins Published
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