Personal finance

Lisas limp on, but savers are missing out

Lifetime individual saving accounts have hardly been a roaring success. In the 2017-2018 tax year, the average contribution was £3,114 per account, £400 lower than expected.
When it comes to buying shares and funds to put in your Isa or pension, there are several investment platforms or online brokers to choose from, all offering different fee structures to suit varying individual investing habits.

How to invest in a stocks and shares Isa

In this short video tutorial, Ed Bowsher runs through the nuts and bolts of opening a stocks and shares Isa, and gives you some investment ideas to consider.


How to stay safe on holiday

Travel insurance is one of the few forms of cover you absolutely must have, says Ruth Jackson. But check policies carefully before signing up.

Make sure you're not getting stiffed by your mobile phone company

It’s not just the financial services industry that makes a habit of overcharging its customers. Mobile phone companies do it too, says Merryn Somerset Webb. But you don’t have to stand for it.

Be careful with your pensions freedom

Savers are using the pensions freedom rules to dip into their retirement funds at an alarming rate, says David Prosser.

How to protect your online identity from data hackers

The latest data breach is another reminder of the importance of keeping your online identity and financial information as safe as possible.

Divorcees miss out on pension benefits

Fewer than one in five divorces where a financial award is made include provisions for pension sharing, says the Ministry of Justice.

Phoenix Life cuts exit charges

Phoenix Life, the pensions company that specialises in taking on other insurers’ historic savings plans, has dropped exit fees for customers who have benefits worth less than £5,000.

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