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Personal finance

Savers could gain an extra £260m a year

The Financial Conduct Authority (FCA) may mandate a set rate for easy-access savings accounts that could be worth up to £260m a year for savers.
21 Jan 2020
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Stocks and shares ISAs

Online Isa & Sipp providers cost comparison table

Below is a breakdown of the charges levied by some of the most popular online Isa platforms for funds and stocks & shares. Click on the broker name to…
14 Jan 2020
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Personal finance

Mini-bonds could spell big trouble for small investors

Investors have been seduced by the high interest rates on mini-bonds, but they’re not as safe as they seem.
11 Dec 2019
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Personal finance

Don’t give your children toys for Xmas, give money

If you give your children or grandchildren fashionable toys for Christmas they’ll soon forget about them – so put some money to work for them instead.
26 Nov 2019
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Personal finance

Beware of cash Isa scams

Fraudsters have been targeting savers by offering unrealistically high interest rates on cash Isas.
19 Nov 2019
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Personal finance

Child Trust Funds: where is your child’s cash?

Your offspring may have a child trust fund tucked away. If so, their money is being consumed by fees
15 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
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Personal finance

The benefits of sitting tight with your savings

Agreeing to lock up your cash can boost the interest rate on your savings significantly. Ruth Jackson-Kirby reports.
20 Aug 2019

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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
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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
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Bank accounts

The appeal of a private bank

Private banks have long been surrounded by an air of prestige. But is the service they provide worth the extra cost?
17 May 2019
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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/506049/active-savings-hargreaves-lansdowns-one-stop-savings-shop
Savings

Hargreaves Lansdown’s one-stop savings shop

Should you sign up to Active Savings, Hargreaves Lansdown’s new product aimed at “time-poor” savers?
7 May 2019
Visit/505257/stocks-beat-cash-and-bonds-over-the-long-term
Isas

Stocks beat cash and bonds over the long term

Far more cash Isas are set up than stocks and shares Isas, says Marina Gerner. That's odd given the higher returns from stocks in the long run.
19 Apr 2019
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Isas

Should you get your child a Jisa?

If you have any money left over once you’ve used up your tax-free allowances, you could consider a junior Isa for your children. But keep an eye on no…
15 Mar 2019
Visit/503312/aim-shares-make-your-isa-less-taxing
Isas

Aim shares: make your Isa less taxing

Once considered too risky for an Isa, Aim shares can offer some valuable tax benefits to adventurous investors.
15 Mar 2019
Visit/503296/six-investment-trusts-for-your-isa
Funds

Six investment trusts for your Isa

Looking for ideas on what to put in your Isa this year? MoneyWeek’s model investment trust portfolio might be a good place to start – and for those wh…
15 Mar 2019
Visit/503293/vcts-eis-and-seis-tax-relief-for-brave-investors
Isas

VCTs, EIS and SEIS: tax relief for brave investors

If you can stomach the risk involved in backing a company in its early stages, consider VCTs, the EIS and the SEIS. Generous tax breaks are on offer.
15 Mar 2019
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Savings

Shares Isas: protect your assets from the taxman

Escape capital-gains and dividend taxes on investments ranging from stocks to corporate bonds with a shares Isa. Here’s how to find one that suits you…
15 Mar 2019
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Savings

Isas: Where to stash your cash

If you put your savings in a cash Isa, you will never be liable for tax, regardless of how much interest you accumulate. Here is an overview of the to…
15 Mar 2019
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Savings

IF Isas: look beyond stocks and bonds

You can now put a wide range of alternative investments  in the tax-free wrapper, with the Innovative Finance Isa, (IF Isa). But tread carefully.
15 Mar 2019
Visit/503263/london-capital-finance-mini-bond-investors-lose-their-savings
Personal finance

London Capital & Finance: mini-bond investors lose their savings

The plight of investors misled by London Capital & Finance is a warning to be on your guard.
15 Mar 2019
Visit/503027/peer-to-peer-cutting-out-the-middleman-could-cost-you
Alternative finance

Peer-to-peer: cutting out the middleman could cost you

There are a vast array of peer-to-peer lending sites. That’s why you need a company to help research and collate the ones that might suit you.
11 Mar 2019
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Funds

The default option will cost you money: always opt out

Making the effort to move your money from your financial provider’s default settings could make you significantly better off, says Merryn Somerset Web…
4 Feb 2019
Visit/485132/ifisa-table
Alternative finance

Innovative Finance Isas available to invest in now

Innovative Finance Isas have been around since April 2016, but are only now becoming widely available. Here, we present a comprehensive list of IFIsas…
1 Feb 2019
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Personal finance

Easy ways to save cash

Devote an afternoon to some simple money administration, and you could make a big difference to your finances over the year.
11 Jan 2019
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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, £4…
14 Dec 2018
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Personal finance

How to keep your pension savings on track

An annual pension “health check” will help you plan ahead for your retirement.
30 Nov 2018
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Bonds

Beware of the risks when investing in mini bonds

Don’t be swayed by impressive interest rates and fun perks, says Ruth Jackson. Mini bonds aren’t as good an investment as they look.
16 Nov 2018
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Personal finance

Sipps sued over scams

Clients and providers disagree on who should be responsible for spotting fraud, says David Prosser.
26 Oct 2018
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Personal finance

NS&I fails to keep up

The state-backed bank is popular, but there are better rates on offer elsewhere for savers, says Ruth Jackson.
7 Sep 2018
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Personal finance

Don’t lose your child’s savings

Child trust funds turn 16 this year – but a million accounts have been abandoned. Is yours one of them?
31 Aug 2018
Visit/493138/how-to-make-the-most-of-the-0-25-interest-rate-rise
Personal finance

How to make the most of the 0.25% interest-rate rise

So the Bank of England has raised interest rates to a whopping 0.75%. Might as well make the most of it, says Ruth Jackson.
10 Aug 2018
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Personal finance

Pensions and savings tax relief under attack

MPs want to reform the savings and pensions tax relief system to benefit the less well-off.
3 Aug 2018
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Personal finance

Look beyond NS&I for better rates

Spread your cash among several accounts to earn more interest than the state-owned bank pays, says Ruth Jackson.
22 Jun 2018
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Personal finance

A stress-free way to switch current accounts

Breaking up with your bank shouldn’t be difficult, says Ruth Jackson. If you’re looking to change current accounts, here’s how to do it.
8 Jun 2018
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Glossary

Individual savings account (Isa)

Individual savings accounts (Isas) are a way of saving and investing without paying income tax or capital gains tax.
23 May 2018
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Personal finance

Asos: setting the trend when it comes to savings

The retailer’s plan to offer a range of savings options may inspire others, says David Prosser.
18 May 2018
Visit/488437/three-apps-to-save-you-money
Personal finance

Three apps to save you money

Apps on your mobile phone can help you salt away cash and manage your finances. But these tools may be less useful than they seem, says Ruth Jackson.
18 May 2018
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Personal finance

Don’t miss out on the best current accounts

There’s no point sticking with a bank that offers a bad deal, says Ruth Jackson. Make sure you move when rates are cut.
27 Apr 2018
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Personal finance

What Mary Poppins teaches you about compound interest

At the suggestion of Mary Poppins, Mr Banks takes his children to his workplace where they learn a thing or two about saving.
20 Apr 2018
Visit/485795/the-best-cash-isas-for-last-minute-transfers
Personal finance

The best cash Isas for last-minute transfers

It’s not too late to take advantage of your Isa allowance, says Ruth Jackson. Here are the best options for your cash.
30 Mar 2018
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Funds

Tax breaks for early-stage investors with VCTs

If you’ve already used your Isa and pension allowances, then venture capital trusts and the Enterprise Investment Scheme (EIS) may be the investment v…
16 Mar 2018
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Economy

What you can learn from the first Isa millionaire

Invest in solid family-run firms, focus on dividend growth and take a long-term view, says noted private investor John Lee.
16 Mar 2018
Visit/484807/ifisa-bold-way-to-build-your-capital
Personal finance

IFIsas: a bold way to build your capital

Innovative Finance Isas are the newest kids on the block, offering diverse ways to invest, but be aware that high rewards mean greater risk.
16 Mar 2018
Visit/484795/duck-the-dividend-tax-with-share-isas
Personal finance

Duck the dividend tax with share Isas

Our cash-strapped government is coming after shareholders with higher dividend taxes, but investment Isas are still tax-free.
16 Mar 2018
Visit/484790/cash-isas-the-best-deals-for-your-cash
Personal finance

The best Isa deals for your cash

Build up your savings in an Isa and it remains tax-free for life, no matter how large the lump sum becomes. Here’s our round-up of the top rates avail…
16 Mar 2018
Visit/484712/investment-planning-the-seven-ages-of-investment
Personal finance

Making the most of the seven ages of investment

Your financial needs change as you get older, so your investment strategy needs to evolve in response. Matthew Partridge explains the key principles f…
15 Mar 2018
Visit/430151/isa-basics-what-you-need-to-know
Isas

Isa basics: what you need to know

All you need to know about how Isas work, including how much you can pay in, what you can hold, and how to transfer an Isa.
9 Mar 2018