Has market turmoil wrecked your pension freedom plan? Here's how to rescue your fund from devastating early losses

Has market turmoil wrecked your pension drawdown plan? Here's what to do

People using income drawdown to fund old age are being warned to scale back withdrawals if they can to prevent the market crash demolishing their retirement savings, especially during the initial few years. But while some retirees will be able to pause withdrawals, cut their spending, or rely on alternative assets, others will need to take money from their drawdown plan regardless of its negative impact. We give a rundown of the options.

Driverless cars will prevent 95% of all crashes - but experts say technology won't be perfected until 2050

Experts have said we will have to wait some time for autonomous cars, with all vehicles predicted to be 'highly autonomous' by 2040 but not fully driverless until 10 years later.

Investing Show: Tim Price says buy Japan - 'the standout value opportunity'

Investing Show: Tim Price says Japan is 'standout value opportunity'

Against a backdrop of bad headlines, contrarian investor Tim Price explains where he is looking for good news in the latest episode of the Investing Show. The show also includes a discussion of whether the UK is likely to see negative interest rates and Lydia Fearn, of consultancy Redington, on how to make more of your pension.

Fearful investors seeking safe havens send gold price to one-year highs at nearly $1,250 as stock markets slump

Gold Nuggets and Bars.

In December 2007, gold for about $840 an ounce. A little over a year later, it rose above $1,000 for the first time. It climbed gradually for the next two years. Then in March 2011, it began rocketing up. On Tuesday, Aug. 16, 2011, it traded at $1,788 an ounce, up 26 percent this year. (AP Photo/Newmont Mining, File )

The precious metal rose another $50 or 4 per cent today to $1,248 today - the highest price since February 2015 and taking its appreciation since the start of the year to 18 per cent.

Britain's drivers stuck 1million new cars worth £16.2bn on finance last year - as experts warn over the rise of debt-saddled used motors

Cars bought on finance were up 10% last year, but there is also a bigger risk for used buyers, with My Car Check posting a 16% rise in the number of unpaid finance alerts

Buy-to-let investors swerving April's stamp duty hike push up property prices as number of homes put up for sale rises

A slight rise in the number of properties coming on the market across the UK, particularly in London, 'has done little to alleviate the demand supply imbalance', RICS adds.

Shops always seem to be having their 'biggest ever' or 'best ever' SALE: Do they ever have to back up these claims or are they allowed to make it up?

victoria plumb biggest ever sale.JPG

I've noticed that every other retailer seems to be having its 'biggest ever sale' or 'best ever sale'. Do they have to justify these grand claims at all or is it just hyperbole to lure us in?

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FTSE CLOSE: Footsie tanks again as US stocks slump in early trade on weak oil prices and concern about banks 

FTSE CLOSE: Footsie tanks again on weak oil prices and bank woes

The FTSE 100 closed down 135.33 points at 5536.97 as investors worried about the health of the banking sector and a plunge in the oil price back to £30. The US Dow Jones tumbled 2 per cent or 326 points to 15,588.8 at the open, while Germany's DAX dropped 3 per cent and France's CAC 40 shed 4 per cent of its value. 'Markets are hanging over the cliff-edge,' said one City trader. 'There has been a widespread flight to safe-havens across asset classes.'

Enterprise Inns sees net income grow by 1.6 per cent as it braces itself for the end of the 17th century 'beer tie'

THE ATLAS.jpg

The Solihull-based firm said like-for-like net income beat expectations, growing by 1.6 per cent at its leased and tenanted estate for the 19 weeks to February 6 compared with a year ago.

Sterling drops to 13 month low versus the euro amid 'Brexit' worries and global growth fears as the CBI cuts its UK GDP forecasts

The CBI downgraded its forecast for 2016 UK GDP growth to 2.3 per cent, down from its previous estimate of 2.6 per cent made in November, with its 2017 forecast cut to 2.1 per cent from 2.4 per cent.

Thomas Cook sees bookings and revenues fall as terror attacks deter holidaymakers

A general view of a Thomas Cook shop as the holiday firm today announced plans to axe 2,500 UK jobs and warned of some store closures under a group-wide restructure. PRESS ASSOCIATION Photo. Issue date: Wednesday March 6, 2013. See PA story CITY Thomas. Photo credit should read: Rui Vieira/PA Wire

Shares in FTSE 250-listed firm fell more than 2 per cent in morning trading, but had recovered by lunchtime to add 0.15p at 95.95p as it reassured investors that the new year had seen an improvement.

BP predicts oil will peak again at $100 as it expects energy consumption to rise

File photo dated 01/02/11 of BP Group Chief Executive Bob Dudley, as BP shareholders have been urged to reject chief executive Bob Dudley's 15.3 million US dollar (£10.4 million) pay package when they gather for the oil giant's annual general meeting today. PRESS ASSOCIATION Photo. Issue date: Thursday April 16, 2015. Mr Dudley's remuneration was 5% up on the previous year while the group's annual replacement cost profit slumped by 66%. See PA story CITY BP. Photo credit should read: Dominic Lipinski/PA Wire

BP chief executive Bob Dudley, said he expects energy consumption to be 'up about a third on today - that's like adding two more USAs to present consumption'.

HSBC changes its mind on cuts and goes ahead with pay rises despite warning of uncertain outlook

The exterior of HSBC's headquarters is pictured in east London on June 9, 2015. 

Scandal-hit bank HSBC said today it would cut its global headcount by up to 50,000 as part of a restructuring that entails its withdrawal from Brazil and Turkey, while it also mulls abandoning London as its HQ.   

AFP PHOTO / JUSTIN TALLISJUSTIN TALLIS/AFP/Getty Images

A memo by chief executive Stuart Gulliver has revealed that the bank will cut costs in a different way while going ahead with pay rises which it had previously ruled out, according to Reuters.

Why bother saving into a pension? Here's the advice I gave to my own sister, says SIMON LAMBERT

Why bother with a pension? The advice I gave my own sister

How do you get people to start saving into their pension early? This is a question that vexes the state, policymakers and the pension industry. It also landed with me this week when my sister asked about her new job's pension. On the basis that the advice I'd give my own sister is the best I can come up with, I will share it here.

From bullion to bitcoins, the old and new safe havens that could protect your investments in volatile markets

In these volatile markets and with gold and bonds far from offering adequate downside protection, is it time for investors to look to the safe havens of the future?

Tax on savings: How does it work? From the new tax-free allowance to using an Isa, what you need to know

The way we pay tax on savings income is about to change - and the good news is 95 per cent of savers won't have to pay any tax at all.

The regions with the biggest mortgage debt revealed: Use these interactive maps to see how your town or city compares...

UK regions with the biggest mortgage debt revealed

Mortgage holders in pockets of London along with other towns on the outskirts such as Barking, Crawley and Harlow are the most at risk if the BofE raises interest rates, data shows. Those who have bought a home in these areas - along with others, Dagenham, Slough, Watford and Worcester - are the most exposed if rates nudged up, Savills says.

'We're making £850 a month': Has your teenager flown the nest? Letting their room tax-free should cheer you up

Spare room: Des and Sue Figueiredo rent theirs out

If you have a spare bedroom that you don't use, you could be making extra cash tax-free. Des and Sue Figueiredo are getting up to £850 per month.

British Gas and EDF follow energy giant rivals with 5% cut to gas prices - but only once winter's over!

British Gas announced today it will cut the price of its standard gas tariff by 5.1 per cent from the middle of March, which will see gas bills fall by an average of £31 for 6.8million customers.

Well-off, hard-working and never late paying bills: Yet banks refuse perfect borrowers a mortgage because they're too old

How banks refuse perfect borrowers a mortgage because they're too old

Like many parents, Eric and Muriel Fisher were keen to help their children buy their first homes. So in 2005, they borrowed £92,000 from Halifax to provide deposits and assistance to their five offspring. The mortgage they took out was interest-only. Yet the couple have been told the loan must be repaid next year when Mr Fisher turns 75.

DAN HYDE: Banks should stop insulting homeowners and consider each borrower on merit

When a perfectly competent borrower is rejected for a mortgage - and just happens to be aged 70 - I am instantly suspicious.

More bad news for savers as Nationwide becomes latest lender to cut fixed rate deals

A branch of the Nationwide Building Society on Putney High Street in south west London. 

 PRESS ASSOCIATION Photo. Issue date: Wednesday May 23, 2012. Nationwide, which has previously only hinted at providing financial services to small and medium-sized enterprises (SMEs), said it wanted to play an increasing role in providing credit to an "important part of the UK economy". See PA story CITY Nationwide. Photo credit should read: Fiona Hanson/PA Wire

A new player in the small business lending market is set to emerge after the building society  today unveiled plans to build up a range of services in the coming years.

It now pays just 0.88 per cent after tax (1.1 per cent before) fixed for one year and 1 per cent (1.25 per cent) for two years.

The £1MILLION studio flat you'd have to earn £100K more than the Prime Minister to afford

Shoreditch £1MILLION studio flat you'd have to earn £250k a year to afford

The high-rise property in London's trendy Shoreditch has come onto the market for sale with a price tag of £1,090,000 despite having just 689 sq ft of accommodation. Anyone looking to buy the property in London's trendy Shoreditch with a 10 per cent deposit of £109,000, will need to be earning a massive annual wage of £245,000.

Greedy banks NEVER learn: Family debt is ballooning again - but one lender is flogging credit cards in the street...

Miniature businessmen shaking hands on pile of credit cards

In a disturbing development, Money Mail has discovered that lending bosses are sending hawkers on to the streets to target people going about their daily tasks.

Would you bet on the firm that makes scarves for Pippa? Dozens did, but they may have lost a small fortune

Pippa Middleton pictured out and about in Chelsea, London this morning. Wearing a Crumpet Cashmere scarf.
mandatory Credit: INFphoto.com   Ref.: infuklo-135/159|sp|

Crowdfunding involves many individuals handing chunks of money to start-ups in need of cash. So is it just a fad or is it worth your time?

Are we on the brink of a new banking crisis? UK's biggest lenders see more than £40bn wiped off their value this year - and it's even worse for banks on the continent

Ailing fortunes of Deutsche Bank spark fears of a fresh banking crisis

The numbers are eye-watering and have left investors wondering just how serious this global sell-off really is. Stock watchers been spooked by falling energy prices, the slowdown in China and emerging markets - and the prospect that the European Central Bank could cut interest rates further into negative territory.

So much for the March of the Makers! Manufacturing suffers its worst slump in 3 years

Britain's Chancellor George Osborne speaks at the Bank of England's Open Forum 2015 conference on financial regulation in London, England.


November 11, 2015. REUTERS/Suzanne Plunkett

Industrial output in the UK is still 9.8 per cent below the pre-crisis peak reached eight years ago - leaving the economy worryingly reliant on the services sector for growth.

Short sellers bet £3bn against the UK's biggest company shares in a bid to exploit turmoil on financial markets

Shorting Graphic (Read-Only).jpg

Their main targets have included supermarket giants Sainsbury and Tesco, and oil and commodities behemoths Anglo American, Royal Dutch Shell and Glencore.

Bank customers targeted in new 'smishing' scam: Warning after one customer lost £23,000 (and Santander won't refund his cash)

Beware 'smishing' scam that saw one Santander customer lose £23k

Bank customers are being warned to be vigilant after what is believed to be a spate of 'smishing' attacks which drain current accounts of cash. One reader, Edward Smith from Sheffield, lost £22,700 from his 123 current account after fraudsters managed to hijack a genuine Santander text message thread to say there was suspicious activity on his account.

Osborne's pension ISA would be a 'reckless gamble', warns Royal London boss

Osborne's pension ISA would be a 'reckless gamble', warns Royal London boss

Royal London chief executive Phil Loney aired fears that George Osborne will 'tamper' with the pensions system in the Budget on March 16 to balance the books. The Treasury has been considering plans to axe pensions tax breaks which encourage saving and are worth worth £34billion a year to help it plug the UK's £94.7billion annual deficit.

Russian tycooons Alexander and Evgeny Lebedev in talks to sell the i newspaper for £24million to Johnston Press

Cover of the i newspaper

Local paper publisher Johnston Press confirmed it is in advanced talks to snap up the title, which has a daily circulation of 275,000 copies.

Gatwick puts more pressure on Heathrow as it unveils £2.5bn expansion plans

BA Boeing 757 jet taking off at Gatwick airport in Crawley, England.

Britain's second-largest airport lost out when a report by Sir Howard Davies recommended building at Heathrow to improve the UK's airport capacity rather than expanding Gatwick.

Rio Tinto slumps to loss and axes progressive dividend policy as miner feels the pinch from collapsing commodity prices

A haul truck being loaded with iron ore at a Rio Tinto mine in the Pilbara region of Western Australia is seen in this undated handout photograph obtained May 3, 2010. Australian mining shares tumbled on Monday after the government slapped the industry with a new 40 percent profits tax, prompting global miners to warn that billions of dollars in new projects were at risk. 

REUTERS/RIO TINTO/Handout (AUSTRALIA - Tags: ENERGY BUSINESS) FOR EDITORIAL USE ONLY. NOT FOR SALE FOR MARKETING OR ADVERTISING CAMPAIGNS

In a reflection of the painful trading conditions, the firm joined rivals Glencore and Anglo American in halting its progressive dividend policy as it looks to shore up its battered balance sheet.

Global turmoil will hurt the US economic recovery, says Fed chairman Janet Yellen

This December 3, 2015 file photo shows Chair of the US Federal Reserve Janet Yellen as she testifies before a Joint Economic Committee hearing on Capitol Hill in Washington, DC. The US Federal Reserve is widely expected to finally push interest rates up after seven years at the zero level when it opens a two-day policy meeting on December 15, 2015.The break, well-flagged by Fed officials including Chair Janet Yellen, would signify leaving behind the extraordinary crisis stance in monetary policy that aimed to restore the US economy's strength after the financial crisis and deep recession of 2008-2009.AFP PHOTO/NICHOLAS KAMM NICHOLAS KAMM/AFP/Getty Images

Janet Yellen, arguably the most powerful woman in the world, told Congress that the 'economic outlook is uncertain' amid a slowdown in China and volatility on financial markets.

Are Hermes shoppers about to tighten their belts? Luxury fashion label sees sales rise but warns of weaker demand to come

Hermes.jpg

The company behind silk scarves and £8,000 Birkin handbags reported an 8.1 per cent rise in full-year sales - making it one of the bestperforming companies in the luxury goods sector.

HSBC sued by Mexico drug cartel victims for allowing cartels to launder billions of dollars

HSBC HQ in Canary Wharf, London. 8 Canada Square (also known as HSBC Group Head Office, or HSBC Tower) is a skyscraper located at Canary Wharf in London Docklands. The building serves as the global headquarters for the HSBC Group, the world's largest company by the Forbes Global 2000 in 2008 and houses around 8,000 staff.

The tower was designed by Sir Norman Foster's team of architects. Construction began in 1999 and was completed in 2002. There are 45 floors in the 200 metres (656 ft) high tower, the joint third tallest in the United Kingdom with the Citigroup Centre.

B88Y09 UK- Photo Julio Etchart

The class-action lawsuit has been filed in a federal court in Brownsville, Texas, close to the Mexican border. The size of the claim has not yet been revealed.

John Lewis customers hunting for cheaper products boost Dunelm as sales rise

Dunelm Mill, a family-run business which started life as a curtain stall in a Leicester market announced plans today to float on the stock market in a move set to value the business at up to £400 million. Jean Adderley, one of the founders of Dunelm Mill, which has grown to a home furnishings empire of 82 budget homeware stores, is to cash in a 30% stake in the business, netting her around £120 million.

The John Lewis competitor reported a 10.3 per cent leap in total revenues to £448million and same-store sales up 4.6 per cent to £405million from £387million a year earlier.

Internet gadgets help tech-maker ARM Holdings post strong rise in sales

City skyline and young woman using smartphone, reflection on window

ARM posted a strong rise in full-year sales and profits because of the growth in 'connected items' or the 'internet of things'.

Business Growth Fund boss Stephen Welton on why he gave up millions to invest in scented candles

2016/02/03 Picture by Georgie Gillard
Pictured: Stephen Welton
CEO of Business Growth Fund in his office in Westminster.
Stephen is also part of the magic circle so is pictured performing a card trick as well.

Welton, a member of the Magic Circle who spent years at Barclays' private equity arm, insists that the organisation he heads today has no nasty surprises concealed up its sleeve.

JAMES ASHTON: Will outgoing Waitrose boss Mark Price manage to boost exports as new trade minister?

Mark, soon to be Lord Price, will become the sixth incumbent in seven years when he swaps Waitrose for the robes of office in April.

The top ten investing mistakes that savers fall prey to - and how to avoid them as you think about ISA options for 2016

The top ten investing mistakes that savers fall prey to

Investors have suffered a turbulent start to the year. Stock market volatility continues as oil prices fall and the fragility of global markets like China is exposed. Now, more than ever, it is essential to take steps to ensure your investment portfolio is the strongest it can be. Investing can be much more straightforward than many believe. By following a simple set of rules and avoiding the pitfalls even the most inexperienced investor could become a successful investor.

Is London's luxury housing market about to crash? Hedge funds short housebuilders' shares on global meltdown fears

Property price DM article
Five-bedroom apartment, One Hyde Park, Knightsbridge, £64,999,950 
Measures 836 sq m. Price per sq m: £77,751

Odey Asset Management, BlueMountain Capital Management and Anchorage Capital are reported to have shorted the stock of Berkeley Group, the London-focused housebuilder.

Keep calm and carry on? Where fund managers are looking for unloved bargains in the stock market storm

Where fund managers are looking for bargains shares in the storm

For many, the current environment looks like a tricky time to invest. But fortune favours the brave, and some investment managers are buying into cheap stocks in the hope that they will rebound. We ask some leading investors where they are looking.

Does your fund beat its benchmark? How to use financial yardsticks to sharpen your investing prowess

Does your fund beat its benchmark? How to use financial yardsticks to your benefit

All investment and pension funds come with a benchmark, which is normally the first and most basic yardstick people use to measure and compare performance. So how do they work and how well?

Owners are Macan a profit: Massive demand for Porsche's SUV have sent used values soaring up to 25 per cent higher than they were when new

Massive demand for Porsche's Macan have seen used values soar as much as 25 per cent

Classic cars make a great investment, but it's not just sought-after collectibles that are providing strong financial returns .Porsche's Macan is in such demand that used prices are £5k more expensive than buying one of the SUVs new.

Are you making it difficult to sell your car? The secrets to correctly valuing your vehicle and getting it sold

Selling a car can be stressful, time consuming and pricey, especially if you find it just won't budge in a congested second-hand market. Get it sold by following these tips.

Is an all-wheel drive turbo-charged Porsche 911 a step too far for traditionalists? We test the latest Carerra 4S Coupe

As well as a new engine, this Carerra 4S has plenty of other additions, including a tweak exterior and interior and uprated suspension. Does this make it the ultimate 911?

From writing on bank notes to hanging washing and being drunk in charge of a cow: Seven obscure laws that could cost you dear if you fall foul

Seven obscure laws: From defacing money to drunk in charge of a cow

Since King John signed the Magna Carta back in 1215 all manner of laws have slipped onto the statute books. Some are good, others less so, and then there are the downright peculiar. Lurking out there are plenty of obscure laws that could cost you money thanks to a fine or affect you as a consumer, but seem unlikely to ever be enforced.

Students caught up in £6k loan trap as Government freezes salary threshold for another five years in U-turn

A Group of young high-school students relaxing with laptops and books

The Government has backtracked on a pledge that from 2017 the £21,000 threshold at which students start to repay their loans would increase each year in line with rises in average earnings.

MP calls for cuts to flight 'stealth tax' in Budget after the Treasury rakes in £3.2bn in just one year from holidaymakers and frequent fliers

Fliers from Britain pay the second highest rate of tax on flights in the world - and now MP for Crawley, Henry Smith, is calling for the 'stealth tax' to be cut further by the Chancellor.

'Insurer rejected my claim for a brain tumour': So Legal & General, what's stopping you paying up this time?

'My insurer rejected my claim for a brain tumour': So Legal & General, what’s stopping you

Ruth Dunn's claim was rejected as her insurance company ruled that she had failed to disclose a previous neurological check-up. However both her GP and a neurologist claim that there is no connection between her previous symptoms and the brain tumour whatsoever.

What rate are you REALLY paying on your business loan? New tool helps SMEs figure out what they are being charged amid claims they're being misled

Commercial finance is unregulated, meaning that - unlike a personal loan - banks do not have to provide a clear APR figure. The Government is being urged to change the rules to help SMEs.

SMEs miss out on over £40million in interest by leaving £161billion languishing in bank accounts offering pitiful returns

The inertia preventing people from switching accounts also extends to businesses - with billions of pounds not earning the interest it could. How can businesses make their deposits work harder?

Are you missing out on your work's perks? From life insurance to help with buying a home, your job could give more than just a salary and pension

The work perks that can help you buy a home, invest and get life insurance

With pay rises expected to stall at just two per cent for the third year in a row in 2016, it is time to squeeze extra value from your workplace perks. Rachel Webster (pictured) cashed in a special work savings pot in May and with the proceeds could afford the down payment on a three-bedroom terraced home.

Scrap £50 notes in war against terrorism and financial crime says ex-bank boss - as it's revealed ISIS is world's richest terrorist organisation

D0MEXR Woman's hand holding fifty pound notes UK British currency. Image shot 2012. Exact date unknown.

Other high denomination notes such as 500 euro notes and 100 dollar bills should also be taken out of circulation to disrupt the 'bad guys', former Standard Chartered boss Peter Sands said.

Npower finally cuts gas prices by £32 for 1.2million customers - but not until AFTER EASTER

CNABJ2 BRITISH DOMESTIC GAS BILL RE ENERGY COSTS BILLS HEATING FUEL FUELS RISING PRICES KEEPING YOUR HOUSE WARM HOMES INSULATION ETC UK. Image shot 2012. Exact date unknown.

Around 1.2 million households will see their gas bills fall by 5.2 per cent from the end of March, after Npower announced today it was cutting its standard gas tariff.

That old vinyl collection gathering dust in your attic? It could be music to your ears as some records sell for hundreds of pounds

'I prefer the sound of vinyl records': That old vinyl collection? It could be music to

Our renewed love affair with vinyl has created a huge growth in the value of collectable old records. Vinyl records previously viewed as junk quietly gathering dust in the attic or at the back of garages are now shrewd investments worth hundreds of pounds. Brigid Harrison-Draper (pictured), a vinyl collector and contributor to magazine Record Collector, says: 'There is no substitute for vinyl.

RateSetter unveils details of the first innovative finance Isa but is it enough to tempt you to put peer-to-peer in your tax-free savings?

RateSetter has become the first peer-to-peer platform to unveil details of its innovative finance Isa, ahead of the launch of the tax-free savings option in April.

The Great Tax Switch: Fury as small firms' rates burden soars - outstripping other taxes - and corporation tax take falls by billions

Small firms’ rates burden soars - far outstripping other taxes

Small and medium-sized companies are struggling to survive under the burden of a huge rise in business rates while the Treasury's income from corporation tax has fallen, according to the Confederation of British Industry. The organisation representing bosses has urged Chancellor George Osborne to reform business rates in his imminent Budget - due in just over a month's time - and has called on him to scrap the tax altogether for more than a million small firms.

Enough vegetables to feed a family of four for a week for £3.50? Asda starts selling 'wonky veg' boxes at 128 of its stores

wonky vegetables

More than 120 Asda stores across the UK will start stocking the boxes, which the supermarket says will contain enough to feed a family of four for one week.

'If I'm paid a good wage cheque, I bank it rather than spend it!' Soap star Gemma Atkinson tells how she saves her TV earnings and invests in property

Television soap star Gemma Atkinson reveals she started saving for a pension at the age of 15, invested in property at age 19, and is now a savvy Manchester landlord.

Baffled by complex internet and phone offers when you try to switch? Don't worry, confusing ads may soon be...BroadBANNED!

Baffled by internet and phone offers? Ads may be BroadBANNED!

Millions of household bill-payers are routinely bamboozled by 'confusion pricing' used to promote broadband deals. But media watchdogs are gearing up to scrap the practice. Burying landline rental fees in contract small print often baffles customers, according to new research. Self-employed audio transcriber Lisette Davidson (pictured) is reluctant to switch broadband provider because she feels the process of comparing deals is deliberately puzzling.

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....

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

Pick the best (and cheapest) investment Isa platform

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

spt_Cape 3.JPG

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

L Board sign on the rear of a blue saloon car , UK

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? Bank's lone wolf ends his hike calls, as outlook for a rise drifts to 2017

When will UK interest rates rise?

Interest rates are set to remain at their record lows well into 2017, commentators suggested after the Bank of England held rates by a vote of 9-0 and lowered its growth forecasts. The quarterly inflation report said that outlook for global growth had weakened further since the previous report in November and that the latest data suggest a softer picture for UK activity in 2015 than previously assumed.

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

Fight back against the banks: Your guide to the rules of switching and where to find the best current accounts - some will even give you free money!

Banking customers typically stick with their current account provider for an average 15 and a half years. But signing up for a new account can get you a much better deal. Here's how to switch

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

Ten tips for buy-to-let

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

What next for house prices? House price rises ease but London market is picking up again

spt_split-weather-houses.jpg

After a slowdown earlier this year, the London market appears to be continuing to push ahead of the rest of the UK. We look at the latest figures.

What next for mortgage rates? Borrowers are in a sweet spot, so is it time to fix?

A stock photo of a miniature toy house .

E08RMN

Borrowers could be in something of a sweet spot, with lenders keen to lend, house prices rising and a first rate rise still considered a way off. We look at the best mortgage rates.

TIPS, TOOLS AND HELP FOR LANDLORDS

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Best paid jobs 2015: Compare your salary to the national average in this league table of 350 professions - and see the year's winners and losers

Compare your pay to the UK average across 350 professions

Musicians have seen pay rises averaging nearly 20 per cent in 2015, while cleaners are getting 17.8 per cent more, and window cleaners 12.3 per cent. Artists in general are earning 14.6 per cent more in 2015 than 2014, according to the huge annual data dump of pay scales by the Office For National Statistics highlights.

Premium Bonds winners

February 2016
Prize value Winning bond No. Area
£1,000,000 98DC258404 Nottingham
£1,000,000 241QQ814726 Wales
£100,000 211GQ302543 Kent
£100,000 170MT779070 Hampshire and Isle of Wight
£100,000 162DS982532 Wales
£100,000 128MT882542 Southampton
£100,000 127AG354956 Ealing
£50,000 54XY208864 Manchester
£50,000 38QX658778 Greater Manchester
£50,000 261SV569145 North East Scotland
£50,000 251VY927696 Inner London
More Premium Bonds winners
   

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