The dangers of negative interest rates
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
The benefits of sitting tight with your savings
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
Don't raid your pension savings to buy a 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
Millions fall foul of pensions contributions rule
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
The appeal of a private bank
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
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
Hargreaves Lansdown’s 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
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
Should you get your child a Jisa?
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
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
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
Shares Isas: protect your assets from the taxman
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
Isas: Where to stash your cash
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
IF Isas: look beyond stocks and bonds
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
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
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
The default option will cost you money: always opt out
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
Easy ways to save cash
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
Lisas limp on, but savers are missing out
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
How to keep your pension savings on track
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
Beware of the risks when investing in mini bonds
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
Sipps sued over scams
Personal finance

Sipps sued over scams

Clients and providers disagree on who should be responsible for spotting fraud, says David Prosser.
26 Oct 2018
NS&I fails to keep up
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
Don’t lose your child’s savings
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