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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Vanguard delays introducing £4 minimum monthly fee - is it still a cheap deal?
The investment platform has pushed back the introduction of its minimum fee to the end of February. How will the charges compare to its rivals, and should Vanguard customers move their money?
By Ruth Emery Last updated
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Will China thrive during the Year of the Snake - or will Trump’s tariffs bite?
As the Chinese lunar new year begins, investors will be wondering whether allocating to the world’s second-largest economy will “rattle” up some big returns, or whether Trump’s tariffs will take a “venomous bite” out of investment performance
By Ruth Emery Published
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Is now a good time to sell a house?
Tips We explore if now is a good time to sell a house as mortgage rates fall and the housing market picks up
By Ruth Emery Last updated
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Average rents drop for first time since 2019 - what does it mean for buy-to-let landlords?
The rental market is starting to cool, with more supply and less demand, says Rightmove. That’s good news for tenants, but where does it leave landlords?
By Ruth Emery Published
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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
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How to claim compensation for travel delays – what are your rights?
Storm Éowyn is battering the UK and Ireland with winds of up to 100mph in some places. What compensation can you get if your flight is cancelled or delayed?
By Ruth Emery Last updated
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The 8% pension rule: what is it and is it enough to retire on?
You are probably saving this amount into a pension each month without even realising. But what is the 8% rule and is it enough to give you a comfortable retirement?
By Ruth Emery Last updated
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Average pension pot by age
How does your pension pot compare to your peers? We delve into the data and reveal the average pension pot for different age groups
By Ruth Emery Published
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HMRC vows to tackle overtaxed pension scandal as pensioners reclaim millions
Pensioners claimed almost £50 million in pension tax overpayment refunds in the past three months. Now, HMRC says it wants to improve the system so pension savers “pay the right amount of tax from the outset”. We explain what’s changing
By Ruth Emery Published
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Are you eligible for a £25 cold weather payment?
As temperatures drop and the cold spell continues, some people are receiving money from the Department for Work and Pensions (DWP). We explain who qualifies for a cold weather payment and how to check if a payment is due
By Ruth Emery Last updated
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Key pension changes in 2025
There are several big changes happening to pensions this year. Here’s what you need to know, from the state pension and pensions dashboards to preparing for an inheritance tax hike
By Ruth Emery Last updated
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Checklist: 10 easy moves to save you money before the end of the 2024/25 tax year
Tips The end of the 2024/25 tax year is fast approaching. We’ve put together an action plan so you can maximise valuable tax breaks and allowances before they disappear at midnight on 5 April
By Ruth Emery Last updated
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Labour urged to reconsider rejecting compensation for Waspi women
Pressure is mounting on Labour to rethink its decision to reject calls to offer Waspi women compensation.
By Ruth Emery Last updated
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Child Trust Funds: Could £2,000 of unclaimed money be waiting for you?
More than £1.4 billion is languishing in unclaimed savings accounts belonging to 18-22 year olds. Here is how to track down lost Child Trust Funds.
By Ruth Emery Last updated
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Will energy prices fall in 2025?
UK energy prices rose by 1.2% on New Year's Day. Will they continue to rise - or will they fall - in 2025?
By Ruth Emery Last updated
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RICS: Resilience of housing market could be tested if mortgage rates climb
The latest survey by the Royal Institution of Chartered Surveyors reveals the UK property market ended 2024 on a firm footing, but warns that a rise in mortgage rates could put a dampener on things
By Ruth Emery Published
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Best junior stocks and shares ISAs
Advice A junior stocks and shares ISA is a great way to save for a child tax-efficiently. But, it can be tricky deciding which investment platform to use. We reveal some of the best junior stocks and shares ISAs
By Ruth Emery Last updated
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UK house prices rose 3.3% over past 12 months - what’s in store for 2025?
The Land Registry house price index reveals annual inflation of 3.3%, with the average property price reaching £290,000 in November. Will house prices continue to increase this year?
By Ruth Emery Published
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Torsten Bell becomes new pensions minister following Tulip Siddiq resignation
The MP for Swansea West and former boss of the Resolution Foundation replaces Emma Reynolds as pensions minister, as she takes over from Tulip Siddiq as economic secretary to the Treasury
By Ruth Emery Published
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More than £53 billion held in fixed-rate cash ISAs will mature by April - where should savers move their money?
If your fixed-rate cash ISA is maturing soon, we look at the options available to you
By Ruth Emery Published
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Annuity rates rise 9% - is now a good time to buy an annuity?
Advice Annuities increased last year and have been further boosted by the gilt crisis. But, incomes could fall if interest rates are cut again. Should you buy an annuity?
By Ruth Emery Last updated
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Will mortgage rates fall this year?
Advice Mortgage rates are expected to rise due to soaring gilt yields, but could fall later in 2025 if the Bank of England cuts interest rates again. Whether you're buying a home, remortgaging or a buy-to-let landlord, we look at the outlook for mortgage rates this year
By Ruth Emery Last updated
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Teachers’ Pensions: will legal action be taken over the transfer value delays?
Teachers are facing long delays in obtaining pension transfer values needed for divorce proceedings. Is a law firm about to submit a group claim, and what else can pension savers do in this situation?
By Ruth Emery Published
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What is inflation and how does it affect you?
Although we are past the worst of the cost-of-living crisis, inflation fears are heating up again. What is inflation and how does it impact your personal finances?
By Ruth Emery Last updated