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Money Matters

What’s the best way to get my pension’s tax-free cash?

Thursday 20 Sep 2018

While the main purpose of a SIPP (self-invested personal pension) is to provide an income as you transition away from work and into retirement, for many one of the primary attractions is the 25% tax-free cash available once you start accessing your money. If you choose to keep your money invested...

How has your income fared since the crisis?

Thursday 20 Sep 2018

Millennials have been hardest hit by the financial crisis, with their wages being affected more than older generations, a new study has found. The Institute for Fiscal Studies report looked at how different age groups have fared since the global financial crisis, sparked by the collapse of Lehman...

What does a no-deal Brexit mean for your pensions and personal spending?

Thursday 13 Sep 2018

The Government has released the first of a tranche of papers outlining how different industries would be affected by a no-deal Brexit. They include details on how the financial services industry, covering banking, insurance and pensions, would change as a result of a ‘no deal’. Much of the...

Surveying the ISA landscape

Thursday 06 Sep 2018

Fewer people are using ISA accounts, but those that do are stashing away more cash – that’s the conclusion of the latest annual release of figures on ISA usage from the Government. The figures from the Government show the total number of ISA accounts in the 2017-18 tax year, the amounts of money...

How SIPPs can help reduce your IHT bill

Thursday 06 Sep 2018

Historically the role of a pension was to provide an income throughout retirement, usually through the purchase of an annuity from an insurance company (unless you were lucky enough to have a guaranteed defined benefit plan). However, the introduction of the pension freedoms in April 2015 has...

How can I pass on shares to my children?

Thursday 30 Aug 2018

Passing on investments to children can be a great way of getting them interested in investing, and helping them to learn about how financial markets work. However, it’s worth noting that shares can be a high-risk investment, as your money is based on one company’s fortunes, rather than spread...

How to avoid becoming the next pension fraud victim

Thursday 23 Aug 2018

Fans of Emmerdale might have recently noticed a slightly different advert during the break. Sandwiched between the usual messages about state-of-the art 4x4s and life-changing coffee granules was a minute-long clip from The Pensions Regulator (TPR) and the Financial Conduct Authority (FCA) on...

How have Lifetime Isa investors fared in their first year?

Thursday 23 Aug 2018

It’s a year since AJ Bell launched its version of the Lifetime ISA, a few months after the newest form of the ISA was launched in April 2017. Since then around 8,000 individuals have signed up to the YouInvest Lifetime ISA, one of the few investment platforms that allows unrestricted investment...

What rising interest rates could mean for your pension

Thursday 16 Aug 2018

Mark Carney has finally done it. After months of speculation, the man dubbed an ‘unreliable boyfriend’ by commentators for his habit of leading the market up the garden path finally pulled the trigger and raised the Bank of England base interest rate from 0.5% to 0.75%. The rise – supported by all...

What does the interest rate rise mean for you?

Thursday 09 Aug 2018

Interest rates have risen for only the second time in the past decade, and are now the highest they’ve been since 2009 – when rates were slashed after the stock market crash. The Bank of England’s monetary policy committee decided to increase the so-called Bank Rate from 0.5% to 0.75%. The nine-...

Important information:

These articles are provided by Shares magazine which is published by AJ Bell Media, a part of AJ Bell. Shares is not written by AJ Bell Youinvest.

Shares is provided for your general information and use and is not a personal recommendation to invest. It is not intended to be relied upon by you in making or not making any investment decisions. The investments referred to in these articles will not be suitable for all investors. If in doubt please seek appropriate independent financial advice.

Investors acting on the information in these articles do so at their own risk and AJ Bell Media and its staff do not accept liability for losses suffered by investors as a result of their investment decisions.

The Shares team

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The value of your investments can go down as well as up and you may get back less than you originally invested. We don't offer advice, so it's important you understand the risks, if you're unsure please consult a suitably qualified financial adviser. Tax treatment depends on your individual circumstances and rules may change. Past performance is not a guide to future performance and some investments need to be held for the long term.