AUTHOR

David Prosser author headshot

David Prosser

David Prosser is a freelance journalist with more than 20 years of experience writing about personal finance, business, economics and entrepreneurship. A former business editor of The Independent and personal finance editor of Express Newspapers, David has also written for The Times, The Guardian, The Observer, The Financial Times and a range of specialist magazines and websites.

Invest in VCTs: tax-free investments set to break records
Investment strategy

Invest in VCTs: tax-free investments set to break records

Generous tax breaks make VCTs – venture capital funds – an attractive supplement to pensions.
21 Jan 2022
How to help your business cope with rising energy costs
Small business

How to help your business cope with rising energy costs

With rising energy costs putting cost pressures on the country's businesses, the best way to keep the lights on is to make sure you’re turning them of…
18 Jan 2022
Make sure your pension savings don't breach the lifetime allowance
Pensions

Make sure your pension savings don't breach the lifetime allowance

Don’t forget the lifetime allowance when reviewing your pension planning – breaching it could prove very costly, says David Prosser.
7 Jan 2022
How to fight cyber-crime in your small business
Small business

How to fight cyber-crime in your small business

There are five key areas for owners of small businesses to focus on when fending off digital attacks.
30 Dec 2021
How to track down your lost pension savings
Pensions

How to track down your lost pension savings

Some straightforward detective work could reunite you with pension savings from previous jobs that you may have mislaid.
20 Dec 2021
How to free up extra Christmas cash for your business
Small business

How to free up extra Christmas cash for your business

Too few small businesses keep unnecessary costs to an absolute minimum. Here are six ideas that might pay for a Christmas bonus.
14 Dec 2021
What to do if you still have a mortgage when you retire
Mortgages

What to do if you still have a mortgage when you retire

In the next few decades, many people will be paying back their home loans well into retirement. David Prosser explains their options.
7 Dec 2021
How your business can win the race to recruit new staff
Small business

How your business can win the race to recruit new staff

Smaller companies can’t offer huge cash incentives for new staff, but they can still compete effectively for labour. David Prosser explains how.
1 Dec 2021
Making sense of the new minimum pension age rules
Pensions

Making sense of the new minimum pension age rules

The rules surrounding the minimum age at which you can start tapping into your retirement savings have been tweaked, but are still confusing. David Pr…
23 Nov 2021
How your business should tackle the annual investment allowance – the “yo-yo tax”
Small business

How your business should tackle the annual investment allowance – the “yo-yo tax”

Approach the government’s fast-changing schemes to encourage business investment with caution, says David Prosser.
16 Nov 2021
Put your pension on a firm footing with infrastructure assets
Pensions

Put your pension on a firm footing with infrastructure assets

Infrastructure produces reliable growth and is far less volatile than equities, says David Prosser.
8 Nov 2021
Is your business struggling to pay back Covid loans? Here's what to do
Small business

Is your business struggling to pay back Covid loans? Here's what to do

A third of small companies fear they may struggle to return state aid. Here's what to do if you're finding it hard.
3 Nov 2021
Budget 2021: Here is what Chancellor Rishi Sunak announced
Budget

Budget 2021: Here is what Chancellor Rishi Sunak announced

Rishi Sunak delivered his much anticipated Budget today. David Prosser explains what it means for you.
27 Oct 2021
How much money will you need to comfortably retire on?
Pensions

How much money will you need to comfortably retire on?

New research shows how much you might need to live comfortable life after you stop working.
25 Oct 2021
How to build a website for your business
Small business

How to build a website for your business

Using the likes of Facebook and Instagram as shopfronts for your business could prove costly, says David Prosser. Here's what to do instead.
19 Oct 2021
How your pension can cut your inheritance tax bill
Pensions

How your pension can cut your inheritance tax bill

Your retirement savings can help you maximise the amount of money you leave to your family.
11 Oct 2021
How small businesses can reduce their energy bills
Small business

How small businesses can reduce their energy bills

Here are the best ways to soften the impact of soaring power costs.
1 Oct 2021
Salary sacrifice: how to earn less and save more into your pension
Pensions

Salary sacrifice: how to earn less and save more into your pension

Changing the way that you save for retirement could help limit the damage of next year’s national insurance rise.
28 Sep 2021
Dividend payout advantages drain away for small-business owners
Small business

Dividend payout advantages drain away for small-business owners

Life is getting harder for self-employed people and small business owners paying themselves through dividends rather than a salary”
17 Sep 2021
Should you defer your pension and stay in work?
Pensions

Should you defer your pension and stay in work?

The pros and cons of deferring your pension and staying in employment beyond 66 are finely balanced.
15 Sep 2021
Cybersecurity is crucial for small businesses
Small business

Cybersecurity is crucial for small businesses

Small companies tend to neglect the defence of their digital data, but the risks are very high, says David Prosser.
6 Sep 2021
Time for small businesses to pay back emergency state aid
Small business

Time for small businesses to pay back emergency state aid

Small companies struggling to repay emergency loans have several options, says David Prosser.
21 Aug 2021
How to top up your state pension
Pensions

How to top up your state pension

To get the full state pension, you will need to have made national insurance contributions for at least 35 years, But if don't qualify, you may be abl…
17 Aug 2021
The drawbacks of pension drawdown
Pensions

The drawbacks of pension drawdown

Using pension drawdown to tap your retirement savings requires careful preparation, says David Prosser.
17 Aug 2021
Government launches final Covid support scheme for the self-employed
Small business

Government launches final Covid support scheme for the self-employed

A fifth and final round of the government’s aid scheme for the self-employed, with grants of up to £7,500, has been launched.
6 Aug 2021
Beware: the government could cut tax relief on pension contributions
Pensions

Beware: the government could cut tax relief on pension contributions

The government may soon cut tax relief on private retirement savings, says David Prosser.
30 Jul 2021
Alternative finance – tap into new sources of credit for your business
Small business

Alternative finance – tap into new sources of credit for your business

Britain’s booming alternative-finance sector is a boon for small businesses, says David Prosser.
27 Jul 2021
Regulator to clamp down on transfers out of final salary pension schemes
Pensions

Regulator to clamp down on transfers out of final salary pension schemes

The Financial Conduct Authority wants to make it harder for people to leave final-salary pension schemes.
21 Jul 2021
Don’t cut corners when insuring your business
Small business

Don’t cut corners when insuring your business

Scrimping on insurance policies for your business is a false economy, says David Prosser.
13 Jul 2021
Why you should consider deferring your state pension
Pensions

Why you should consider deferring your state pension

Deferring your state pension entitlement when you turn 66 still makes sense in some circumstances, says David Prosser.
6 Jul 2021
Government support schemes for Covid-hit businesses are coming to an end
Small business

Government support schemes for Covid-hit businesses are coming to an end

Government support schemes to bolster business through the pandemic are ending, despite the extended lockdown
25 Jun 2021
How flexible working could affect your pension
Pensions

How flexible working could affect your pension

Flexible working may have a permanent effect on how we save for retirement, says David Prosser.
23 Jun 2021
Are your company’s assets at risk from your creditors?
Small business

Are your company’s assets at risk from your creditors?

Loans with personal guarantees attached may now damage small companies, says David Prosser.
23 Jun 2021
Stop living in fear of the pensions lifetime allowance
Pensions

Stop living in fear of the pensions lifetime allowance

Breaching the lifetime allowance (LTA) for pension savings can be expensive. So how can you cut the cost?
22 Jun 2021
Why it might be better to delay saving for your retirement
Pensions

Why it might be better to delay saving for your retirement

We are advised to put aside as much as we can as early as possible. But is that always sensible?
8 Jun 2021
Should you move your business to a four-day week?
Small business

Should you move your business to a four-day week?

Schemes to promote shorter working weeks could cause practical difficulties for businesses.
31 May 2021