Savings

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.

Help-to-Buy Isas: the new way to give your child a leg up on the property ladder

Paying into a Help-to-Buy Isa could give a first-time buyer a sizeable sum towards the deposit on their first house.

Tread carefully in new-fangled peer-to-peer Isas

Putting your savings into a new peer-to-peer loans Isa is an interesting idea, says Sarah Moore. But don’t be too quick to jump in.

Taxing problems for savers

The next generation of retirees won’t have the perks this generation has, says Merryn Somerset Webb. Savers must invest their cash carefully.

Bad news for savers – the financial repression is set to continue

The Bank of England seems intent on holding down interest rates for longer. That’s terrible news for savers. So, what’s going on, and what can you do about it? John Stepek explains.

It pays to switch energy provider

Energy companies now have to tell customers about the cheapest tariff available. Sarah Moore explains what that means for your finances.

It pays to switch current accounts

Current accounts such as Santander’s 123 account take advantage of customer apathy, says Natalie Stanton.

Are pension Isas a good idea?

Pensions and Isas both offer savers tax-efficient ways to save, but in slightly different ways. So, how will a ‘pensions Isa’ work? Merryn Somerset Webb explains.

New measures will make switching easier

Many savers forego a higher interest rate due to the perceived hassle of switching accounts. Sarah Moore explains how that’s set to change.

FSCS: Slashed safety net is a headache for fixed-term savers

The deposit threshold cut to the Financial Services Compensation Scheme will come as a headache to fixed-term savers. Sarah Moore outlines the options.

Join the alt-fi revolution tax-free

Alternative finance is set to move further into the mainstream after the chancellor announced an “innovative finance” Individual Savings Account.

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