How to Get the Best Out of Your Financial Adviser

Choosing an IFA can be daunting. Here are some questions you should ask when working with a financial adviser - and some red flags to watch out for

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      Isa Week 2021

      Our special report covers everything you need to know about Individual Savings Accounts

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      Editor's Views

      From Bitcoin to annuities, the weekly column tackles the biggest issues in personal finance and investing

    • mortgage paperwork

      How to Help Your Child Buy a Property

      Mortgage Matters: House prices have soared in recent years and the chance of owning a property may seem out of reach for many young people. Here's how parents can help

    • Poker chips

      What Type of Investor Are You?

      Young people are taking too much risk with money they can't afford to lose, the regulator warns, with social media and apps fuelling the rise of the thrill-seeking investor

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      How to get Kids Interested in Investing

      How can you make investing interesting to children? Here are some ideas

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      4 Emotional Biases to Avoid

      Emotions can get in the way of investing, leading to bad decisions and poor returns. Here are four emotional biases to avoid

    • Mortgage

      What is an Offset Mortgage?

      Mortgage Matters: What is an offset mortgage and could it work for you? It could be an interesting option for borrowers with some extra cash savings

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      Should You Pay Off Your Mortgage or Invest?

      With interest rates at rock bottom, should you use extra cash to pay down your mortgage or invest in the stock market?

    • Rishi Sunak Chancellor

      What Do Investors Need to Know About the Budget?

      Budget 2021: Everything's frozen - Isa allowances, pension lifetime allowances, CGT - but savers may be tempted by the new green bond, while housebuilder shares are on the up

    • Holly Black

      Investment Board: What's the Difference Between a Debit and Credit Card?

      What's the difference between a credit card and debit card, and what are the pros and cons of each? We're at the whiteboard to explain

    • Lifetime Allowance

      The Pension Lifetime Allowance Explained

      More than 1 million workers are likely to breach the pension lifetime allowance and be liable for a hefty tax bill - are you one of them? Here's what you need to know about the LTA

    • pound notes

      Should You Buy an Annuity at Retirement?

      Annuities used to be the norm for retirees, but pension freedoms and rock-bottom interest rates have driven them firmly out of favour. Is an annuity ever the right choice?

    • Check box

      How Do I Improve My Credit Score?

      There are a lot of myths around credit scores - what impacts your rating, what doesn't, and how can you improve it?

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      February Financial To-Do List

      Our monthly to-do list helps you decide which areas of your finances to focus on. In February, we look at switching

    • Illustration of a checklist and pie chart

      4 Investment Rules of Thumb

      Investing can seem complicated, but common portfolio guidelines can be a good starting point

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      Do Kids Need a Pension?

      Should you open a Children's Sipp to give your youngsters a head start on their retirement savings? We look at how they work and when to consider getting one

    • Golden piggy bank

      Can You Retire With a Million Pounds?

      A million pounds has lost its buying power but many people still dream of achieving such a large pension pot

    • Checklist

      What to Expect When You See an IFA

      Seeing a financial adviser for the first time can be a daunting process: here's what I found out in my first meeting

    • Pensions

      Don't Walk Into This Pension Tax Trap

      The MPAA is the pension allowance most likely to put a spanner in the works of your retirement plan. Here's what it is and how to avoid it

    • Goals

      How to Set Financial Goals - And Stick to Them

      How do you set financial goals and make sure you actually stick to them? Here are five easy steps 

    • Rebalancing Big

      How to Rebalance Your Portfolio

      The best shape for your portfolio changes with your financial needs and personal goals, which means rebalancing your investments is essential. Here’s how you do it

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      Should You Borrow Money to Invest?

      In the latest in our series on personal finance, Morningstar’s Christine Benz tells us some reasons not to borrow money to put it in the stock market

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      When to Use a Tracker Fund

      Investors have poured billions into low-cost passive funds in recent years, but does it always make sense to choose a tracker? Here are some things to consider

    • dollars and scissors

      5 Reasons Not to Hold Too Much Cash

      Cash has been king this year as savings balances swell and the economy wobbles, but it's not a great long-term proposition to reach your goals

    • question mark

      What is an Isa?

      VIDEO: What is an ISA, what are all the different types, and which one is the best for you? We're back at the whiteboard to explain

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      Are You Making Good Financial Decisions?

      Seven questions to ask yourself before you invest

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      Should Retirees Invest in Stocks?

      An annuity used to be the simple solution for most retirees but the pension freedoms and ultra-low interest rates mean staying invested in the stock market could be the right choice for you

    • binoculars

      Is Renting Throwing Money Away?

      Home ownership is a priority for many savers, but renting can provide flexibility and freedom. We look at the pros and cons of renting and owning a home

    • Back to school 2020 article

      How to Teach Kids About Money

      Talking about money can be difficult, but it's important. Here are some tips on how to get the conversation started with kids

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