The fund that would have made you a 1,500% return since Isa investing began - and the six duds you would have lost money on

Research from Chelsea Financial Services, looking back at the the past 16 years of Isa investing, shows choosing the wrong fund could have left you out of pocket by at least £100,000. The best performer of the last 16 years has delivered a 1,516 per cent return but the broker unearthed six dud funds that you would be down on.

New best-buy savings from Charter Bank with 2% on a one-year bond and a 1.85% notice account

The challenger bank also hiked the rate on its two-year bond to a very competitive 2.20 per cent - although this is currently topped by Access Bank with a 2.38 per cent rate

New Halifax 0% balance transfer credit card is longest fee-free deal on the market at 16 months

This new Halifax product is the longest ever completely fee-free 0% interest balance transfer card and the most competitive offer currently on the market.

Top ten UK property hotspots: Sutton, Cambridge and Watford are most sought-after areas while Bristol's popularity soars

With commuters put off by sky-high London property prices, buyers are flocking to the likes of Guildford (pictured) and Reading, according to the latest trends index from online estate agent eMoov.

Don't get caught in the pensions tax trap: Follow our smart tips to ensure you don't lose half of your life savings

Pensioners who take large lump sums from their pension face a tax trap that could leave them having 45 per cent docked from their nest egg - even though they are basic rate taxpayers.

Two-year fixed savings account from Access Bank is offering best-buy 2.38% - but is it a safe place for my cash?

Sensible Savings from Access Bank UK are currently offering 2.38 per cent rate for a two-year bond - but is it a safe place for me to put my money?

Deal, Hastings, Bamburgh... The buzzing areas set to take off in 2015 as property hunters home in

E1RTDA View of Hastings Old Town from West Hill UK

This weekend, we will see visitors crowding around estate agents' windows in holiday resorts, toying with the notion of joining the 250,000 people who Knight Frank estimates own second homes.

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INVESTMENT EXTRA: Japan is still home to some of the world's greatest companies, but has yen to innovate

Investing in Japanese companies is clearly high-risk for British investors. So funds, as always, offer the best access point. Often retail investors access markets too late and miss the big surge. In the case of Japan - where equity values have been depressed for so long - there is still a long way to travel.

RUTH SUNDERLAND: Good luck to Banking Standards Board as it attempts to raise bar at toxic banks

Its aim, under the formidable leadership of chairman Dame Colette Bowe, is to reform the parts of the system the regulators cannot reach.

Construction sector expected to grow this year despite pre-election wobble

It expanded by 7.2 per cent last year, driven on by demand for new houses, and analysts are predicting growth will be around 5 per cent in 2015, with the commercial sector taking centre stage.

Greece moves to quash fears country will fail to pay multi-million pound loan

A £330m loan is due to be repaid to the International Monetary Fund on Thursday but there were concerns the heavily indebted nation would default on the payment.

Rate increase in US unlikely after jobs data comes in below expectations

News that the country added 126,000 non-farm payroll jobs in March - well below the 250,000 that economists expected - delayed any chance of an interest rate rise in the immediate future.

BEN GRIFFITHS: Insurance industry facing peer-to-peer competition

Berlin-based Friendsurance has established itself in its domestic market. It is just one example of a technology disruptor which could change the fabric of an industry.

Secret diary of a first-time buyer: How the property market brings out the darker sides of human nature...

There's a house we've got our eye on - but the previous tenant was ripped off to the tune of £115,000. It doesn't affect us but it's a fact that's hard to overlook'. Our aspiring first-time buyer shares her experiences.

140,000 loyal NatWest and RBS customers with 'legacy' current accounts forced into new deal which comes with overdraft fee

Thousands of NatWest and RBS customers who have banked with the pair for decades are being shunted into a current account which charges more for overdraft usage.

The Investing Show: How to hunt for dividends, what next for rates, pensions freedom and getting investors a fair deal

This is Money has teamed up with TipTV to produce a new series aimed at helping investors get ahead, with investing news, ideas and debate. Topics on the agenda this week include how to invest for income, the dividend safety of some big FTSE 100 names, and the arrival of pensions freedom.

Business with Sugar is sweet for back-packing Aussie who won latest Apprentice series (without ever having seen it)

Mark Wright is the Australian who won series ten of the Apprentice. Lee Boyce caught up with him and discovered he has already turned a small profit with his business, but says, 'Lord Sugar is the type of businessman who when you say you made a £10 profit, he wants to know why it's not £20'.

More claiming for damaged roads, but fewer getting compensation: How to make a successful claim for pothole damage

A car passing a pothole as they are putting pedestrians at risk as well as motorists, according to an AA survey. PRESS ASSOCIATION Photo. Picture date: Wednesday December 19, 2012. The problem is persisting on paths and pavements, with those walking the streets likely to encounter almost four potholes every mile. Overall, the pothole situation has eased slightly but local roads are still being blighted by an average of 6,25 potholes per mile, the survey showed. See PA story TRANSPORT Potholes. Photo credit should read: Danny Lawson/PA Wire

As more than three in four claims are unsuccessful it is worth considering how to increase the chances of your claim being paid. Here's how you can maximise your chances.

CCTV 'spy cars' banned in bid to curb draconian parking fines that have driven shoppers from the High Street

New laws to crack-down parking 'cowboys' and councils which rip-off motorists with unfair fines come into force yesterday - including ban of CCTV 'spy cars'.

Could Halifax Reward current account customers see their savings tax Budget giveaway snaffled by their bank?

From April 2016 basic rate taxpayers will be able to earn £1,000 of savings interest in a year a pay no tax at all. If savings tax is no longer due, surely the amount being used to pay it should go back to the saver? Not necessarily.

Best cash Isas and how to choose the right funds: Everything you need to know to beat the Isa deadline at the last-minute

The tax year ends at midnight on Sunday - and that means you need to use your £15,000 annual Isa allowance before then or lose it. But because this year April 5 falls on Easter weekend, if you want a branch-based account, you need to open it today or ­tomorrow. Bank and building society branches are closed on Good Friday and ­usually shut at lunchtime on Saturday. If you want to open an Isa online or by phone you have a little longer and might be able to open one online right up until midnight on Sunday.

Time is running out to invest your Isa: MAIKE CURRIE offers some last-minute fund ideas

If you are one of the many who have left it down to the wire to make this year's Isa investments, you may find these four last minute ideas useful:

April 6 is a big day for your finances - here are the tax changes you need to know about

With so many changes to your finances, it can be difficult to keep up with what's happening when. Here are the crucial ones affecting your money from April 6.

SIMON LAMBERT: Interest rates are rubbish and savers are getting the short straw but it's still worth getting an Isa

The traditional spring Isa rush has been somewhat overshadowed by the small matter of pension freedom this year. Yet the bad news for savers is that there's no gold buried underneath the pensions pile - Isa season has been a dud. The best easy access cash Isa offers a measly 1.5%, while you could just about scrape 3% if you lock your money up for five years, but whether you save or invest an Isa is still worth having.

Our savings picks: This is Money's five favourite best buy cash Isas for 2015

Although cash Isas don't currently offer fantastic rates, it is still worthwhile opening one to shield money away from the taxman. Our savings correspondent Lee Boyce picks his five favourite cash Isas for savers in 2015 - essential reading to help you choose a top savings account for your money. This page is kept up-to-date throughout the year - bookmark it for the very latest developments.

How to choose the best (and cheapest) DIY investing Isa - and our pick of the platforms

Couple Painting Together --- Image by © Michael A. Keller/Corbis

DIY

Choosing the right DIY platform is crucial but a wealth of choice and changes to charges have left many investors scratching their heads. We pick some of the best.

Fund and investment trust tips: The experts' ideas for different investors and their Isas

Lego man and woman standing on coins - "in the money" concept

Picking an investment is tricky. We get the experts' ideas on funds and investment trusts for first-timers, income and emerging markets.

INVESTMENT CLINIC: What are the best funds I can invest £5,000 of my Isa allowance in?

All of your money is invested in company shares, so it might be worth investing in a bond to give some ­balance to your Isa investments.

Wondering how to invest your pension pot to get capital growth as well as income? Here's what the experts would do...

Investing in a selection of funds which produce income and provide an opportunity to grow your capital should be a relatively safe way to create steady flow of cash over the years. But you have to take some time to figure out what you want to do. You will have to take some risk by investing in company shares, but a significant proportion of your savings should be in safer bond and property funds which will focus more on paying an income rather than risking your cash.

Time to test your knowledge of pension freedoms: spot the facts - and the fiction 

Hopefully, if you've read our special reports this week you'll be up to speed with most of the reforms. So, it's time for a quick test of your knowledge.

Get ready for the pensions of the future and get clued up on tax relief now

What a remarkable year it has been for savers. Little more than 12 months ago Money Mail was campaigning fiercely for insurers to give retirees a fairer deal on annuity payouts.

Make the most of the pensions revolution: Despite Chancellor's announcements, here's why you still may need an annuity

MONEY MAIL The Pensions Revolution part 5 final AW.jpg

'No one will have to buy an annuity,' George Osborne said last March. But despite the freedoms he went on to unveil, the annuity (which turns a pension in to an income for life) is far from dead.

Annuities, buy-to-let, equity release or income funds? The best ways to boost retirement income...

Gold Communion Goblet from San Daniele del Friuli

For anyone who wants to keep their money invested and take an income, there is a range of alternatives that have begun to hit the market.

How much do you need to retire on? Answer these quick questions to work out how much you'll need to save

Here's our guide to helping you work out how much you need to save for a better ­retirement, no matter what your age now, so you can act before it is too late. The pensions revolution is all about taking responsibility for your own retirement. To do that, you're going to need a pretty good idea about what kind of retired life you want, and how much you'll need to pay for it.

Why you SHOULDN'T take a lump sum from your pension: Savers could be £64k better off and pay less tax

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For decades it has been the default option for most people on the day you retire: you take 25 per cent of your pension as a tax-free lump sum.

Pension tax trap for people wanting to make larger withdrawals sparks outrage ahead of freedom reforms

Seven out of 10 people find it 'shocking' and 'unfair' when they realise taking full advantage of the Goverment's pension freedom reforms could land them with a surprise tax bill.

Britain's biggest retirement home builder bolsters board ahead of potential stock market listing

McCarthy & Stone has hired Geeta Nanda as a non-executive director after it posted a 76 per cent jump in half-year profits to £32m last Monday. Nanda has 25 years' experience in the housing sector. She is currently chief executive of Thames Valley Housing Association and previously ran operations at Notting Hill Housing Trust.

BrewDog profits rise 69% in 'epic year' as nation's thirst for craft beer shows no sign of waning

The Aberdeen based brewer reported an annual turnover of £29.6million in 2014, up from £18million the previous year, while its profits soared to £4.9million from 2.9million over the same time frame.

Mitie investigation into home care division takes longer than expected as firm tries to get to bottom of allegations

Two former employees of its MiHomecare arm, which helps look after elderly and disabled people in their own homes, alleged that they were paid less than the minimum wage.

CITY INTERVIEW: Hans Vestberg investing in UK to secure Ericsson's future

Ericsson has chosen Britain to develop the next generation of internet technology. And preparing the historic company for the 'next big thing' is just one task facing chief executive Vestberg.

Wyevale Garden Centres betting Easter weekend will help sales blossom

The chain said Easter marks the start of the gardening season and predicted a boost to sales at its 147 outlets.

British economy in 'rude health' as manufacturing sector soars

02A_CITY MANUFACTURING (Read-Only).jpg

On the day after more than 100 business leaders publicly backed the Conservatives' economic policies, a closely watched index of activity in UK factories hit its highest level since last summer.

I can't get planning permission for my loft conversion - but if a bed still fits in, can I call it a bedroom anyway? 

My plan was to change the pitched roof into a Mansard roof, so the room would have a decent amount of headroom. However, this has been rejected. I've worked out I would still be able to put a double bed up there and there would be enough height in the centre of the room for anyone to stand up. My question is - can I still call this a bedroom?

Cost of weekly shop falls by 7% in a year as UK inches towards deflation - but prices of baked beans, pasta and cereal rise

In March last year, the cost of a basket of 35 items cost £93.95. This month, the same basket of goods costs £87.70, mySupermarket figures suggest.

Hard-pressed young families and those living in the North and by the sea hit hardest by personal insolvency

The harbour at Torquay,Devon.
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The seaside town of Torquay in Devon had the highest rate of personal insolvencies in Britain, with 19 out of every 10,000 households being declared insolvent in the last three months of 2014.

Sky-high Vodafone bill that left holidaymaker on first solo trip overseas cut off abroad

Before setting off on her first holiday alone, 21-year-old Roseanna Butler did ­everything she could to ­prepare for her trip. She told her bank, took out travel ­insurance and, knowing she'd be using her mobile phone a lot to send texts and put photos on ­Facebook, she went to her local Vodafone shop to make sure she wouldn't be spending a small ­fortune when ­using her phone from South Africa. Staff recommended the World Traveller tariff, which costs £5 a day and allows ­customers to use their phone abroad just as they would in the UK.

The regular saving trick that can cut your tax bill from next April and offer up to 6% a month in interest

If you start a regular savings plan at the start of the next tax year on April 6, you won't see any interest for a year - by which time, it could all be tax-free.

High interest peer-to-peer deals offering returns of up to 18% sucking in desperate savers and may be too good to be true 

Hundreds of millions of pounds a month is pouring into so-called peer-to-peer loans - where individuals lend cash to other people or businesses to get a better return.

First-time buyers wanting to use new Help to Buy Isa need to avoid other Isas or miss out 

First-time buyers planning to ­benefit from government bonuses towards their deposit savings will need to avoid other Isas in the new tax year or face missing out. The Help To Buy Isa will launch in the autumn and gives a £50 bonus for every £200 saved. But you only have until April 5 to open a cash or stocks and shares Isa in order to be eligible. This is because you are allowed to open only one Isa in a tax year.

Insurance that pays out for hotels that get haunted or if you get exterminated by a Dalek 

These wacky ways to meet your maker listed in the firm's small print are a way of getting customers to read the technical details.

Homeowners who take a variable rate mortgage instead of a fix could save up to £472 - but is that a wise move?

Fixed mortgage rates have plummeted in recent months. But hints that interest rates may stay low for longer than expected - mean borrowers could save hundreds of pounds.

Online bank fraud cases soar by 50% as crooks target vulnerable victims 

The amount customers have unwittingly handed to conmen rocketed by £40.9million to £60.4million in 2014 - a 48 per cent hike.

ASK TONY: I transferred £1,300, but Santander lost my cash - how can I get it back?

On July 11, 2014, I asked Santander to transfer £1,298.54 from my cash Isa account to NatWest, leaving a balance of £10,000. Instead, the cashier transferred the whole amount and closed my account. She realised her error and asked me to get NatWest to return the £10,000. ­ NatWest did this but, because the Isa account was closed, Santander sent the money back again.

JAMES CONEY: Pension freedom is just around the corner - and getting ever more complex 

The closer we get to April 6, the more one thing is becoming apparent: the whole thing has become very confusing for retirees.

ASK TONY: Will I be liable for capital gains tax when I sell my property I'm renting out to a tenant? 

When my husband retired, we rented out our home and bought a property in Lincolnshire to be nearer to my elderly mother.

My partner shares £90k in debt with his ex-wife and their house is being repossessed - will I or my credit rating be at risk if we get married?

My partner has been living with me for about four years. I would really like us to get married but he has debts from his previous marriage from credit cards with his ex wife amounting to about £90,000. If we get married will I be liable for those debts? Am I liable even if we live together but do not get married?

Isa deadline looms and Easter means the window shuts quicker - so when does your bank close its doors?

There are just three working days left until the new financial year starts on April 6. It means a tiny gap is left to open a tax-free Isa before it's too late. As April 5, falls over the Easter weekend this year and on a Sunday, it means the window to open an Isa is slimmer than usual.

Our savings picks: This is Money's five favourite best buy cash Isas for 2015

"No smoking" sign on a wall --- Image by © Christopher Stevenson/Corbis

We pick our five favourite cash Isas for savers. This is essential Isa reading and is kept up-to-date throughout the year

BEAT THE ISA TRAP: What are the Isa transfer rules and how do I stop my rate crashing?

Top tips: Moving an Isa to a new provider can sound complicated - it needn't be

This is Money's mailbox is full of queries from baffled readers unsure of the rules around Isa transfers. Here, we guide you through the process of transfers so you can maximise your returns.

HSBC and Santander among those offering exclusive Isas to customers holding current accounts with them - but does loyalty pay?

There is less than week to make the most of the tax-free £15,000 allowance and the current crop of offers are hardly probing savers into action. We take a look at the top loyalty Isas available.

Top ten most economical new cars revealed by the experts who test them in 'real-world' conditions -  with Seat's Leon crowned best

The Seat Leon and Citroen DS3 are the most economical new cars money can buy that have been tested by experts in the last 12 months, according to research from What Car? using its 'true MPG' figures. Motorists looking for a economical vehicle only have 'official' mile per gallon figures to base their decision on, which are worked out in government tests, then used by manufacturers to promote models.

The east of England dominates list of the 50 rural areas with the highest standard of living in the UK - and Rutland comes top

As well as its picturesque setting, Rutland tops the bill for a range of other factors, bringing it to the top of the annual Halifax Rural Areas Quality of Life Survey. Chiltern takes second place, up from eighth in 2014, thanks to a high average life expectancy of 82.2 years and a 97 per cent rate of reported good health. The top 50 list is dominated by the South East, with 14 districts found in the region.

Bank of England to test strength of British lenders by putting them through global domesday scenario

The exam will test Britain's banks over a four year period on their ability to withstand a dramatic slowdown in China, as well as a eurozone crash.

Is recovery spreading at last? Employment gains filter down to workers as advertised salaries jump 8% 

Teacher and pupils.
B3EBG3

Advertised salaries have jumped by 8 per cent in the past year to an average of more than £34,500, driven by big rises for teachers and healthcare workers including nurses.

'Don't tipple and tweet, don't be an island and save time with tech': The dos and don'ts of small business social media

While 24-hour access to technology has given businesses the freedom to work on-the-go, it also creates a number of blurry lines that start-ups must navigate. And, while it's easy to point out that this really should come down to a spot of common sense, it's sometimes easier said than done. We reveal some top tips

50 ways to save money: Simple steps to cut what you spend that could clear your debts or seriously boost your savings

50 ways to save money: How to cut what you spend and put more in your savings

To clear the average national household debt of £13,000 at 6% interest with a monthly repayment of £100 will take around 17 years. There are, however, plenty of simple ways to make significant savings on your regular spending that could clear your debt - or boost your savings - in less than a year. This is Money's top 50 - updated - money-saving tips may appear light-hearted but are deadly serious.

How to choose the best (and cheapest) DIY investing Isa - and our pick of the platforms

DIY investing: How to pick the best platform for you.

Choosing the right DIY platform is crucial but a wealth of choice and changes to charges have left many investors scratching their heads. We pick some of the best. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever.

Revealed: The world's cheapest and most expensive stock markets - and where the UK stands

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We highlight the world's cheapest and most expensive stock markets, measured on three popular valuation tools and where the UK sits.

INVESTING TIPS: Fund and trust ideas for beginner and cautious investors

Starting out: Fund tips for beginner or cautious investors

If you are new to investing then the huge number of funds and investment trusts on offer can be confusing. Fortunately, This is Money's experts have some ideas to get you started.

INVESTING TIPS: Top fund and trust ideas for income investors

Income investing: Dividends can deliver both a healthy boost to long-term growth and a way to earn from your investments.

Income investing can let you draw on your portfolio or reinvest dividends to build solid growth over time. Our experts give their fund and investment trust recommendations.

INVESTING TIPS: Top fund and trust ideas for emerging markets

On the up: Emerging markets such as Brazil are where much of the world's growth is expected to be over future years.

If you're looking to add some flair to your investing Isa with emerging markets, This is Money's experts have some ideas to get you started

When will interest rates rise? The only way is up, hints Carney, even with inflation down to 0% and heading for negative territory

The next move for interest rates is still expected to be up, says Bank of England Governor Mark Carney, despite suggestions of a cut to beat low inflation. That followed the news earlier this week that inflation had fallen to 0 per cent - noflation or flatflation, as some commentators have tried to label it

Our savings picks: This is Money's five favourite best buy cash Isas for 2015

"No smoking" sign on a wall --- Image by © Christopher Stevenson/Corbis

We pick our five favourite cash Isas for savers. This is essential Isa reading and is kept up-to-date throughout the year

What next for house prices? Buyers offered a chance to negotiate and save money as sellers cut asking prices

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The traditional pre-Christmas drop in asking prices has been far more pronounced than usual, according to Rightmove. We look at the outlook for house prices.

Looking for a better bank? This is Money's five of the best current accounts

Best five: which current accounts offer the best perks?

How hard does your bank account work for you? Here's our pick of the best accounts to make your money work harder, cut down on fees, or get free stuff.

What next for mortgage rates? Fixed rates tumble to as low as 1.29% as lenders keep on cutting

Lock in a five-year fix now: The bank rate could rise as early as next year, which would send mortgage rates up

Homeowners can fix for two years at just 1.29 per cent and up to ten years at less than 3 per cent. We highlight the best mortgage deals and look at whether it is time to fix.

Ten tips for buy-to-let: the essential advice for property investors

For many buy-to-let looks an attractive income investment in a time of low rates and stock market volatility. Climbing house prices, rising rents and improving mortgage deals are tempting investors - although they will need a big deposit. Read This is Money's top ten buy-to-let tips

Best paid UK jobs 2014: Compare your pay to the national average in the league table of salaries across 350 trades and professions

The influence of financial services on the economy is spelled out again as City brokers steal top spot in this year's official list of highest earners. According to the detailed 2014 annual salaries survey, brokers pocketed around 40 times more this year than those at the bottom of the list - the people responsible for keeping children safe on the way to school. Lollipop crossing patrols earned around £3,400.

Premium Bonds winners

April 2015
Prize value Winning bond No. Area
£1,000,000 55DM417553 Wiltshire
£1,000,000 115SG511998 Suffolk
£100,000 80MH293690 Devon
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£100,000 2VQ611480 Surrey
£100,000 231CK511061 Birmingham
£50,000 53KX083995 Nottinghamshire
£50,000 35VF197037 West Midlands
£50,000 240RM142522 West Midlands
£50,000 185NT214902 Birmingham
£50,000 168WQ372604 South Gloucestershire
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