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Should I invest ahead of Brexit?

Avoiding the stock market because of the looming spectre of Brexit is a pretty decent excuse for not investing your Isa allowance this year. But is it valid in reality? This tax year, you can put away up to £20,000 in an Isa and shelter it from further income or capital gains tax. It’s a really quit...
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Which is the cheapest platform for investing?

bestfundplatform lumpsum
Unless you’ve got oodles of money and a dedicated wealth manager at your beck and call, pretty much the only way for the average saver to invest by themselves these days is online. Anyone looking to start a monthly saving plan into the stock market or even a lump sum is going to need a ‘platform’. T...
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Check your online investment money went into shares not cash

The real killer with investing is figuring out how to do it. The admin! Even as an investment nerd I’m regularly scratching my head over which website to use to get my money in the market. These days, if you want to invest, you’ll end up using a so-called platform online. These are a wonderful innov...
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Can you afford to send your kids to private school?

iva School open days are now in full swing as the new academic year gets underway. Of course, there are plenty of brilliant state schools where your child would thrive. But could you afford to educate them privately? At first sight, the answer is no. According to the Independent Schools Council, the...
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How I lost £360 being cautious on shares

Last week everything was sunny with the FTSE 100; today it’s distinctly overcast. Everyone’s taken fright due to problems in Italy at the weekend – slight issue with having no government. Many are murmuring that it’s the end of the euro, while others see it as a short-term blip. Whichever way it goe...
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Climb every pension mountain

Here’s a nice, big figure to spoil your Wednesday. The typical person will have to save £260,000 just to have a basic income in retirement. And that basic income is just £9,000 on top of the state pension which if you qualify for the full one is currently worth about £8,500 a year. So that’s a total...
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Stock markets are down so time to Bed & Isa

With stock markets on the slide, should you invest in shares? The FTSE 100 dropped below the 7,000 floor last week and is struggling to recover. It doesn’t look very inviting. It could be a buying opportunity but not everyone has the stomach for that. One alternative is to use the downturn to have a...
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Help to Buy Isa v new Lifetime Isa: which is better?

Brace yourselves! A new financial product is available today. Yes, I’m overwhelmed with excitement too at the launch of the Lifetime Isa (or Lisa). Have you seen the size of the government bonus on this thing? Really, I haven’t had this much fun since they invented self-invested pensions! Unfortunat...
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How to blow your investments on a great party

What would you want to do for your 50th birthday? It’s a real milestone this one, a half-century. Terrifying, because it means you’re officially old, but also a real achievement in getting this far. A celebration is definitely called for. If money was no object, I’d fill a private jet with my pals a...
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Where in the world should I invest before the end of the tax year?

Pay attention people! It’s about five weeks until the end of the tax year and if you don’t use up your annual tax perks by then, you’ll lose them forever. One of the biggest allowances is the Individual Savings Account (Isa) which is worth £15,240 this year. Admittedly you have to be truly minted to...
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Put your eggs in baskets not pancakes before end of tax year

It’s Shrove Tuesday! Team Minted will be powering through the egg stores after school in a batter frenzy which the children will end up sticking to the ceiling rather than their plates. Great messy fun but really I should keep back those lovely organic six-packs for a decent cake or (if I could do i...
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