Visit/520338/how-much-the-state-pension-will-rise-by-this-year
Personal finance

How much the state pension will rise by this year

While Boris Johnson promised to hold a full budget within 100 days of his election victory, many of the details of next year’s state pension increases…
10 Jan 2020
Visit/520337/vanguard-leads-charge-on-fees
Pensions

Vanguard set to launch the UK’s cheapest-ever pension fund

Vanguard, the giant US asset management company, is set to launch a self-invested personal pension (Sipp) with an annual fee of just 0.15%
10 Jan 2020
Visit/519728/why-it-pays-to-move-your-occupational-pension-out-of-its-default-fund
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Pensions

Why it pays to move your occupational pension out of its default fund

If you’re a member of an occupational pension scheme, moving your savings out of its default investment fund could significantly increase your wealth …
22 Dec 2019
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Pensions

Should you take a 25% lump sum from your pension fund?

If you’re approaching retirement, think twice before exercising your right to take 25% of your pension fund savings as a tax-free cash lump sum.
20 Dec 2019
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Pensions

Why you should keep a close eye on your National Insurance contributions

The state pension now requires a 35-year record of National Insurance payments to get the maximum payment. Check your record is correct, because any m…
20 Dec 2019
Visit/519421/pensions-vanguard-sparks-a-sipp-price-war
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Personal finance

Pensions: Vanguard sparks a Sipp price war

Fund giant Vanguard is poised to shake up the Sipp market with the cheapest offering on record.
17 Dec 2019
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Pensions

Don’t get caught by the pension contributions cap

It’s easier to breach your annual pension contributions allowance than you might think. Here's how to make sure  you don't go over it.
11 Dec 2019
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Pensions

Tread carefully if you're thinking about equity release

The equity release market is getting its act together. But the cost means tapping your property for cash should be a last resort for most people. 
25 Nov 2019

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Visit/518498/the-one-thing-a-divided-britain-can-agree-on
Economy

The biggest threat to capitalism right now isn't Jeremy Corbyn

The greatest danger to capitalism isn't a far-left Corbyn government, it's the rise of powerful corporations distorting the free market.
21 Nov 2019
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Pensions

The pension income-drawdown time bomb

Some pension savers being paid a regular income from their retirement funds could be heading for disaster.
13 Nov 2019
Visit/517570/keep-an-eye-on-pension-fees
Pensions

Keep an eye on pension fees

If you have invested in a private pension, just make sure you aren’t eroding your returns by paying hefty fees.
12 Nov 2019
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Pensions

A final-salary pensions muddle

People saving into a final-salary pension scheme who are receiving compensation for past discrimination may end up with big tax bills.
30 Oct 2019
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Personal finance

One example of the madness of our inheritance tax rules

Our system of inheritance tax is needlessly complicated, says Merryn Somerset Webb. Here, she outlines one way in which the well-off could save over £…
14 Oct 2019
Visit/516314/pensions-freeze-is-a-slap-in-the-face-for-ge-employees
Stock markets

Pensions freeze is a slap in the face for GE employees

Bad news for workers at General Electric (GE). The company will be freezing retirement benefits for 20,000 employees in order to cut billions from its…
10 Oct 2019
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Pensions

How the government's Pension Protection Fund works

The Pension Protection Fund deals with defined-benefit schemes when an employer goes bust. David Prosser explains how it works.
9 Oct 2019
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Economy

The dangers of negative interest rates

Negative interest rates could spark the next financial crisis. And central bankers could end up the object of the public's wrath, says Merryn Somerset…
7 Oct 2019
Visit/515254/the-pension-consolidation-trap
Pensions

Beware the pension consolidation trap

Financial advisers and pension providers routinely tell savers to consolidate their disparate pension pots into a single plan. But it isn’t the no-bra…
25 Sep 2019
Visit/515260/doctors-pension-row-spreads-to-other-arms-of-the-public-sector
Pensions

Doctors’ pension row spreads to other arms of the public sector

The crisis that has seen doctors refuse to take on extra shifts has spread to other public sector workers.
25 Sep 2019
Visit/515259/if-you-retire-later-tell-your-pension-provider
Pensions

If you intend to retire later than originally planned, tell your pension provider

If you intend to retire later than you originally anticipated, make sure you share your plans with your pension provider, or you could miss out on val…
25 Sep 2019
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Pensions

Should you transfer your defined-benefit pension scheme to a money purchase scheme?

Financial watchdogs have made it clear that they believe transferring money out of a defined-benefit pension scheme is a bad idea for most people. And…
11 Sep 2019
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Economy

The pensions annual allowance debacle spreads beyond the NHS

The annual allowance that has wreaked havoc in the NHS has spread to the armed forces – and is a perfect example of how higher taxes can actually redu…
29 Aug 2019
Visit/513684/companies-cut-back-on-their-pensions-bills
Personal finance

Companies cut back on their pensions bills

Britvic is the latest firm hoping a cheaper inflation index will cut pension costs. David Prosser reports.
28 Aug 2019
Visit/512630/make-sure-you-dont-lose-your-pension-credit
Pensions

Make sure you don’t lose your pension credit

Time is running out for thousands of people to avoid missing out on a top-up to their pension income following changes to the rules introduced in May.…
14 Aug 2019
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Pensions

Pension annuities are back in favour

The flexibility of pensions drawdown doesn’t always trump the secure income provided by annuities.
14 Aug 2019
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Pensions

Why switching your pensions provider is so traumatic

Switching to another pensions provider is much harder than it should be. Here's how to speed it up.
31 Jul 2019
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Personal finance

How to avoid the pension scammers

Savers lose £4bn a year to pension scammers. Keep a sharp lookout for their favourite ruses.
31 Jul 2019
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UK Economy

A job for the next chancellor: abolish the pensions annual allowance taper

The government is consulting on the pensions annual allowance taper that is wreaking havoc in the NHS. Much better would be to simply abolish it, says…
24 Jul 2019
Visit/510614/dividing-the-spoils
Pensions

Pensions: how to divide the spoils when getting a divorce

With just 36% of divorce settlements including provisions for sharing pension asset, women getting divorced need much better advice about their pensio…
16 Jul 2019
Visit/510615/when-to-top-up-your-national-insurance
Pensions

When to top up your national insurance to boost your state pension

If your national insurance contributions fall short of getting you a full state pension, you can make voluntary top-up contributions.
14 Jul 2019
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Features

No end to final-salary pension transfer scandal

Financial advisers are continuing to suggest that clients transfer out of generous final-salary pension schemes despite repeated warnings from regulat…
13 Jul 2019
Visit/510516/how-the-annual-allowance-for-pension-contributions-is-crippling-the-nhs
UK Economy

How the pension contributions annual allowance is crippling the NHS

NHS doctors are responding to the perverse financial incentives of the pension contributions annual allowance scheme by just not doing any extra work.…
9 Jul 2019
Visit/509686/warning-of-pension-contributions-shortfall-may-be-overblown
Pensions

Warning of pension contributions shortfall may be overblown

The typical pension scheme member is only contributing 5% of pay to their pension, raising questions about whether they will have enough to retire on.…
3 Jul 2019
Visit/509687/sticking-with-your-pension-schemes-default-funds-doesnt-pay
Pensions

Sticking with your pension scheme's default funds doesn’t pay

Savers who invest their pension contributions in the default funds offered by providers without checking their performance are jeopardising their fina…
3 Jul 2019
Visit/509683/good-news-for-savers
Pensions

Good news for pensions savers from HMRC

HMRC has withdrawn its appeal over breaches of the pensions lifetime allowance.
28 Jun 2019
Visit/508904/combining-a-pension-with-property
Pensions

Don't raid your pension savings to buy a property

Housing minister James Brokenshire has suggested you should be able to raid your pension savings to fund the purchase of your first home. You shouldn'…
16 Jun 2019
Visit/508903/state-says-it-has-got-pension-sums-wrong
Pensions

Government admits it has got its state pension sums wrong

Approximately 360,000 people have been given incorrect forecasts of their state pension benefits, the government has confirmed.
14 Jun 2019
Visit/504679/dont-use-your-pension-to-buy-a-house
Property

Don’t use your pension to buy a house

The frankly stupid idea that pension-fund cash should be available to be used for a house has reared its ugly head again. It should be fiercely resist…
4 Jun 2019
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Pensions

Millions fall foul of pensions contributions rule

Almost a million savers could face punitive tax charges on their pension contributions because they have unwittingly triggered a substantial reduction…
29 May 2019
Visit/506831/pension-savings-shortfall-among-the-self-employed
Pensions

Pension savings shortfall among the self employed

Almost two-thirds of self-employed people currently have no pension savings, while more than a quarter aren’t making any savings at all
22 May 2019
Visit/506504/hitting-the-pensions-cap-ceiling
Pensions

What to do when you hit the pensions cap

High earners running up against pension caps should do their sums, says David Prosser.
13 May 2019
Visit/506660/why-ive-changed-my-mind-about-the-pension-savings-lifetime-allowance
Economy

Why I’ve changed my mind about the pension savings lifetime allowance

I used to think the lifetime pension savings allowance was a terrible idea, says Merryn Somerset Webb. I’ve changed my mind on that. But there are som…
13 May 2019
Visit/506552/how-to-prepare-for-a-corbyn-government
Tax

How to prepare for a Corbyn government

The real risk to your finances is not Brexit, says Merryn Somerset Webb, it's that the mismanagement of Brexit could lead to a Corbyn government. So h…
9 May 2019
Visit/506140/robbing-pensioners-to-pay-millennials
Pensions

Robbing pensioners to pay millennials

Should we get rid of generous perks for pensioners to fund more support for cash-strapped young people?
8 May 2019
Visit/506143/pensions-important-in-divorce-cases
Pensions

Pensions important in divorce cases

Wealthy couples who divorce hold more of their money in pension savings than any other asset, prompting concern that many people have little idea how …
7 May 2019
Visit/506196/why-a-pension-is-a-much-better-investment-than-property
Property

Why a pension is a much better investment than property

Too many people see property as a good investment and pensions as a waste of time. They couldn't be more wrong, says Merryn Somerset Webb.
2 May 2019
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Great frauds in history

Great frauds in history: Robert Maxwell

Robert Maxwell looted millions from the pension fund of the Mirror Group, wiping out shareholders and condemning pensioners to poverty.
30 Apr 2019
Visit/505367/when-does-it-make-sense-to-defer-your-state-pension
Personal finance

When does it make sense to defer your state pension?

If you can afford to put off taking your state pension, it may save you money in the long run, says David Prosser.
23 Apr 2019
Visit/504395/how-to-avoid-being-trapped-by-the-lifetime-allowance-pensions-cap
Pensions

How to avoid being trapped by the lifetime allowance pensions cap

The lifetime allowance on pension savings could catch out those with modest incomes.
10 Apr 2019
Visit/503609/passing-on-your-pension-when-you-die
Tax

Passing on your pension when you die

Your pension can be a valuable part of inheritance-tax planning, says David Prosser.
3 Apr 2019