magazine archive

Money Matters

How to hold various currencies in your ISA and SIPP

Thursday 01 Nov 2018

Investors witnessing the current Brexit negotiations, and lack of progress, may be worrying about the impact on their portfolios. We’ve heard from readers who are worried about the impact a no-deal Brexit may have on their investments – but more specifically the effect it will have on the pound...

Attention! Your state pension is about to receive a welcome boost

Thursday 25 Oct 2018

The latest official inflation statistics confirm that savers will get more money from the state pension next year. Wealthier savers are also set to benefit as the lifetime allowance edges a little higher from April 2019. STATE PENSION TRIPLE-LOCK The state pension increases every year by the...

What does the civil partnership ruling mean for personal finances?

Thursday 25 Oct 2018

The Government has proposed to let mixed-sex couples have a civil partnership as an alternative to getting married. At the moment heterosexual couples can only get married, while same-sex couples have the option of either marriage or civil partnership. A number of mixed-sex couples had campaigned...

Revealed: the ultimate income funds

Thursday 18 Oct 2018

Income-seeking investors want to find funds that deliver a healthy payout but not at the expense of growing their capital. We’ve found four income funds that have done that – in one case delivering almost £9,000 of income over 10 years on a £10,000 investment. When assessing income funds there are...

Is it time to re-think annuities?

Thursday 18 Oct 2018

Before former Chancellor George Osborne stood at the House of Commons despatch box on 21 March 2014, most people who retired were shovelled into an annuity contract with their existing insurance company. In many cases these products represented poor value for money, either because the rate on offer...

What will Chancellor Hammond pull out of his red box on 29 October?

Thursday 11 Oct 2018

Embattled Chancellor Philip Hammond has already dropped one surprise by announcing an earlier-than-expected Budget on Monday 29 October. In doing so he has broken with the tradition of holding the economic set-piece on a Wednesday, immediately after Prime Minister’s questions. As always the event...

Make hundreds of pounds from your friends

Thursday 11 Oct 2018

Thanks to lucrative offers from a number of businesses you can now make hundreds – or even thousands – of pounds just by referring friends to sign up to services and companies. These ‘recommend a friend’ schemes often give both the referrer and the friend money off, vouchers or cash. Here we round...

Should I overpay my mortgage or invest the cash?

Thursday 04 Oct 2018

You find yourself with spare cash at the end of the month – are you better off saving the money or using it to pay down your mortgage debt? It’s the question that homeowners are faced with: to save a pot or relieve themselves of debt sooner. Typically the adage is to pay down any debt before you...

Could it pay to breach the pensions lifetime allowance?

Thursday 27 Sep 2018

Rising numbers of UK pension savers will find themselves facing a charge of up to 55% on their retirement pots after breaching the lifetime allowance (LTA). This is because successive governments have chipped away at the figure since 2010, reducing it from £1.8m to just £1m in 2016/17. From this...

A new breed of apps can help you save money and have a brighter future

Thursday 27 Sep 2018

An app on your phone can now help you to budget, save money or just organise your finances. But how do they work and what is on offer? Since the start of this year so-called ‘open banking’ means that organisations can share information on your personal finances to enable you to look at all your...

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
Disclaimer

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.