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MOST RECENT ARTICLES FROM TANYA JEFFERIES
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Civil service pensions in MELTDOWN: Rod, 70, could lose his dream home while he waits for £40,000 payout
03/02/26 10:00
When Rod Peers retired in November aged 70, he was eager to start this new chapter in his life by purchasing a three-bedroom property with his partner. Knowing he would need to withdraw £40,000 from his civil service pension to afford his new home, he took all the right steps - contacting the pension scheme and filling in all required paperwork....read
Ultimate guide to cutting your tax bill - at EVERY salary level: Mail reveals tips and tricks from experts to beat the Chancellor's stealth raid, as it's revealed strivers on £46,000 will be hit hardest
02/02/26 12:29Do not despair if you are one of the 'striving' workers revealed to be worst hit by the Chancellor's Budget stealth tax raid.
You really CAN turn just £6 a day into £1million. You may not believe me, but follow these simple expert-approved steps and you will be far better off than you could have ever imagined
31/01/26 04:43You can believe it or not, but regular saving into a pension from an early age can make you richer in retirement than you ever dreamed possible.
Why must I fill in a self-assessment tax form when other people are let off?
29/01/26 06:00Many of us fill in a self-assessment tax return for income above the £12,570 personal allowance. So why are some people not required to do this?
How millions of women are falling behind men in the pension race - and how they can catch up
27/01/26 10:35Fathima Faleel (pictured) came from a culture where pensions weren't mentioned. Now she faces a desperate race to save enough for her future.
Bereaved families face 'impossible' deadline to stump up inheritance tax on pensions
27/01/26 10:28Family members could start to refuse the crucial role of winding up an estate for fear of becoming personally liable for tax, warns a House of Lords report.
Vanguard dumps £2bn of UK stocks: Fund giant cuts exposure to Britain in blow to Reeves
22/01/26 10:00The move is embarrassing for the Chancellor (pictured), who this week hailed 'a new golden age for the City' before jetting off to Davos.
Why the weak dollar spells trouble for UK investors - and what you can do about it
22/01/26 01:45US dollar weakness is wiping out a lot of the gains UK investors have got used to enjoying from the world's biggest and most dynamic economy.
Vanguard defies Chancellor with a £1.85bn CUT to UK stocks held in hugely popular LifeStrategy funds
22/01/26 09:00The fund manager is ditching UK equities worth around £1.85billion from the LifeStrategy range to reflect what it dubs the 'more global focus' of UK investors.
How much you need saved in your pension at every age for a stellar retirement
20/01/26 11:59If you have no idea whether you are saving enough to just scrape by or if you'll enjoy a prosperous retirement, you are far from alone.
Is 2026 a good year to retire? Here's what you need to know before taking the plunge
12/01/26 12:44It's helpful to look at what's going on with stock markets, the economy and tax, when you're about to make one of the most important financial moves of your life.
Defence stocks have soared as global tensions rise: This is where you can still cash in
11/01/26 05:14Investors are accustomed to riding out political and financial shocks, but even the most seasoned will be struggling to ignore the seismic global events that have been playing out in recent days.
Number getting hit with year-end tax demands could soar to 2m, warns former minister Steve Webb
06/01/26 02:26The number facing a 'simple assessment' tax demand has surged as more breach the frozen £12,570 threshold.
How to turn £25 a month into £10,000: The ultimate beginner's guide to investing in the stock market
06/01/26 12:06For most people, the idea of investing in the stock market may seem daunting and out of reach if you don't have vast sums of wealth. But you don't need to be rich to invest.
It's divorce day: Here's how to divide your money, property and pensions fairly if you're splitting up
05/01/26 07:00Couples wanting to break up will often set divorce in motion at the start of the new year. Many lawyers report a rise in enquiries in January, especially on the first Monday.
How to avoid your pension being dragged into inheritance tax net
03/01/26 08:22Government plans to slap inheritance taxon pensions are already galvanising families into action to protect estates before rules change in just over a year's time.
Pensions in 2026: What you need to know about state pension age rise to 67, a brewing tax row and more...
30/12/25 07:00Fear that a cash-strapped Government might come after pensions with new rules, caps and taxes is unlikely to let up in the coming year.
Where should you invest in 2026? From the AI bubble, to defence... and surprise packages
29/12/25 07:01The AI growth story and an impending change at the top of the powerful US Federal Reserve are gripping investment pundits ahead of 2026.
What you needed to know about tax in 2025: The top questions answered by our expert HEATHER ROGERS
27/12/25 07:00Heather has fielded questions about accidental landlords, setting up a trust for a vulnerable adult, and avoiding inheritance tax if you own a listed building this year.
Why 2026 is forecast to be a good year for investing in the UK - and four shares experts tip to deliver profits
26/12/25 09:08The stalling economy and London becoming a backwater for listings remain serious concerns, yet the FTSE 100 index was nudging record highs at the end of 2025.
Six most important pension questions of 2025 answered by STEVE WEBB
24/12/25 07:00Interest in pensions was intense this year and our star columnist Steve Webb fielded many questions - on the state pension age, tax-free cash, artificial intelligence, and more.
Inheritance tax climbdown as Government will set new threshold for farmers at £2.5million
23/12/25 05:06From next April, 100% agricultural property relief will stay for the first £2.5million of combined agricultural and business assets to help protect family farms.
My pension firm 'blocked' me from moving £350k retirement fund overseas
23/12/25 10:59Steve Bentley, pictured, contacted This is Money after his UK pension firm unfairly 'blocked' an overseas transfer following a minor administrative error by HMRC.
Now state pension top-up REFUNDS go missing too: Savers left waiting months for money owed
11/12/25 09:35Mark George, pictured, was told he was owed a £1,300 refund by HMRC, which then failed to hand it over.
More families are using a trust to protect wealth - but how do you unwind one?
03/12/25 07:00Lawyers and other professionals warn that it can be costly and complicated to close down a trust. Here's what you need to know.
Taken a pension tax-free lump sum and now have a huge chunk of cash? What to do NOW
30/11/25 12:02Savers in their droves were panicked into pulling tax-free cash out of their pensions before the Budget for fear of a clampdown on the perk.
Plan to spare pensioners £58 income tax 'risks being unfair and unworkable', says Steve Webb
29/11/25 08:16The Government is going to explore ways to avoid pensioners having to pay a small amount of tax should the state pension start exceeding the personal allowance.
State pension will rise 4.8% to £12,548 a year next April, Chancellor confirms
26/11/25 03:03Popular triple lock guarantee means the state pension is increased by the highest of inflation , average earnings growth or 2.5%.
Budget crushes salary sacrifice in a blow to pension savers, what will it cost YOU?
26/11/25 03:01Salary sacrifice schemes allow workers to take a supposed 'pay cut', with the money paid into their pension or put towards some other benefit like childcare instead.
Pension tax-free cash SAVED in the Budget - but only after damaging rush of withdrawals from retirement pots
26/11/25 01:55News the lump sum will remain fixed comes after months of rumours that the limit could be at risk, which were only quashed earlier this month.
Ten MILLION pensioners could pay income tax by 2030 if threshold is frozen again in Budget
24/11/25 12:02Many pensioners already earn over the £12,570 personal allowance, landing them with an income tax bill. If the threshold is frozen until 2030 that number will soar.
Can you spot red flags for economic abuse? Take the test here
21/11/25 07:46A new challenge has been launched to help people spot the common clues. Victims are most likely to turn to someone they know for help - not a specialist service.
A HUGE retirement saving crisis looms if state pension triple lock is ditched
20/11/25 09:59Former minister Steve Webb found out Government estimates for how much people would 'under-save' if the guarantee was axed - and says they are 'shocking'.
Stand-off in House of Lords as Lady Altmann attacks inheritance tax and pensions red tape nightmare
19/11/25 07:01Pensions campaigner Ros Altmann condemned 'unworkable' proposals to levy inheritance tax on pensions and death benefits from April 2027.
Budget raid on salary sacrifice cap will harm pension saving, experts warn
18/11/25 07:00Nearly two in five savers say they will cut back on pension contributions if there is a salary sacrifice crackdown in the Budget, new research reveals.
Women retire with pensions TWO THIRDS the size of men's... but new dads can help fix this
18/11/25 12:01Women with private pensions retire on £173,000 while men stop work with £286,000, representing a 32% gap between their funds.
Why pension gurus warn Britain is hurtling towards an inheritance tax 'catastrophe' that will hammer millions ... and what you need to do NOW
16/11/25 01:36Bereaved families will soon be lumbered with daunting new bureaucracy that will cause misery, extra costs and the risk of heavy fines, money experts are warning.
Germany to let pensioners earn £1,760 a month tax free: Would a similar scheme here tempt Britons to keep working?
15/11/25 07:00The Aktivrente or 'active pension' plan being pushed by Chancellor Friedrich Merz will be open to German workers after they reach the statutory retirement age of 67.
What Reeves's tax rises mean for YOU: We reveal how different earners will be stung in the Budget grab
11/11/25 10:00Workers, pensioners and landlords are bracing themselves for swingeing tax increases as Rachel Reeves plans her Budget on November 26.
Chancellor 'rules out' cut to pension tax-free lump sum - but it's too late for savers who already pulled out funds
11/11/25 12:49The Treasury's confirmation that the lump sum will remain fixed comes after months of speculation that the limit, as well as tax relief on pensions, could be at risk.
How to plot your way through the inheritance tax minefield if you DON'T have children
10/11/25 11:33If you're opposed to inheritance tax, you probably believe it's unfair to be forced to hand over hard-earned wealth to an undeserving Government.
I'm caught in a tax free pension lump sum backlog: Will I get my £125,000 before the Budget?
10/11/25 10:29I have a Sipp with Hargreaves Lansdown and want to take a tax-free lump sum before the Budget. I started the process on 3 November.
Radical plan floated to increase state pension age by ONE year every decade
08/11/25 07:00The qualifying age is currently 66 and is already set to rise to 67 between 2026 and 2028, but a Government review is under way to decide further increases.
Budget anxiety is triggering 'sensible' moves like topping up Isas and pensions
06/11/25 06:00A snap poll of UK adults found 10 per cent say they have shifted money into a cash Isa because of the pending Budget.
Everything you MUST know before taking a pension tax-free lump sum: Our experts reveal if Rachel Reeves will dare to ruin your retirement plans
04/11/25 04:42Currently, those over the age of 55 can take 25 per cent of their pension pot tax-free up to a £268,275 cap. There are concerns this could be slashed in the Budget.
How does salary sacrifice work and is this handy pension perk under threat in the Budget?
04/11/25 07:01Reeves looks set to cap the sum workers can pay into pensions via salary sacrifice without incurring national insurance contributions.
Will Rachel Reeves raid LLPs in the Budget and what do lawyers, accountants and GPs stand to lose?
31/10/25 07:00There are well sourced reports the Chancellor is planning to raise billions of pounds from professionals who are part of partnerships. Financial planner Ian Cook explains.
The lump sum conundrum: How one pension mistake has ruined our retirements
28/10/25 10:00Bob Gorman felt forced into taking his pension lump sum early last year - and now feels conflicted because his partner is facing the same dilemma.
One in three of today's workers faces poverty trap in retirement
28/10/25 07:00One in three people in work today will struggle to afford essential bills in retirement, new research reveals.
What to do with your pension ahead of the Budget: Four steps that are unlikely to backfire
23/10/25 06:00It's better to err on the side of doing things that will make good financial sense whatever is announced - here are some sensible options.
One in three older people stumped over what to do with 25% tax free pension cash
22/10/25 01:49A snap poll by shows 17% of 60 to 78-year-olds either have already or intend to put their lump sum in cash savings accounts or Isas, and 6% in current accounts.
Britain should copy Australia to reform 'costly' state pension triple lock, says the IFS
21/10/25 11:34The state pension triple lock should be ditched after the next election in favour of the uprating system used in Australia, according to the Institute of Fiscal Studies.
Rachel Reeves won't dare to slash pension tax-free cash, says former Pensions Minister Steve Webb
21/10/25 08:21Abolishing pension tax free cash or even just capping how much you can take would cause such public uproar the Chancellor is unlikely to do it, says Steve Webb.
Delay pension lump sum to make retirement last seven years longer
20/10/25 07:15Murphy Wealth crunched the numbers to see how much taking a tax-free lump sum could cost a typical saver instead of leaving it longer to grow.
Delay taking a pension lump sum to make pot last extra SEVEN years
18/10/25 08:51Murphy Wealth crunched the numbers to see how much taking a tax-free lump sum could cost a typical saver instead of leaving it longer to grow.
Registering Lasting Power of Attorney? The cost will rise in November
17/10/25 11:41The inflation-busting increase applies separately to both the property and financial affairs variations of Lasting Power of Attorney.
Government warns pensioners over Winter Fuel Payment scam amid huge spike in cases
16/10/25 12:25Winter Fuel Payments will be issued automatically between mid-November and December 2025, so any text message saying you need to apply is a fraud attempt.
DON'T start deleting old state pension records again, Steve Webb urges DWP
07/10/25 11:27Records are usually wiped four years after an individual and their spouse die, but DWP started keeping them after we found widespread underpayments.
Did you take tax-free pension cash before the LAST Budget? We want to know
05/10/25 08:32Did you take the plunge and dip into YOUR pension after the election in July, but before the Budget in 2024? Tell us your story...
How to profit from Rachel Reeves' misfortune by locking in a bigger pension income
04/10/25 08:50The rise in yields on long-term gilts, as UK government bonds are known, has driven up the rates offered by pension firms on annuities.
Rachel Reeves risks 'irresponsible' pension move by failing to rule out lump sum raid, experts warn
02/10/25 05:00Speculation about a new lower cap on tax-free cash is understood to have prompted a renewed rush of withdrawals, following a spike ahead of last year's Budget.
Rachel Reeves 'must rule out pensions raid in the Budget to avoid lump-sum frenzy', experts warn
01/10/25 10:45The Chancellor must rule out a pensions raid in the Budget as she faces a re-run of last year's damaging dash for tax-free cash, experts warned last night.
Two thirds of public sector staff are on track for a decent retirement - 'streets ahead' of private sector workers
30/09/25 06:00Public sector workers 'rule the roost' when it comes to saving enough for old age, according to the study by Hargreaves Lansdown.
Thinking of cashing in your pension tax-free lump sum before the Budget? This is what you need to know first
21/09/25 12:16Here's what you need to know about tax-free lump sums, before you make an irreversible decision.
Did YOU request a state pension top-up callback? Over-66s in Britain now dealt with, says DWP
19/09/25 01:37The Government has already dealt with all 56,300 requests from people over state pension age living in Great Britain, it told Liberal Democrat MP Steve Darling.
Winter Fuel Payment opt-out deadline passed: Your next steps
17/09/25 08:03All pensioners will receive the Winter Fuel Payment this year unless they opted out by midnight on 15 September - but it will be clawed back if your income is £35k-plus.Deadline to opt out of Winter Fuel Payment has passed: What should you do now?
17/09/25 06:00All pensioners will receive the Winter Fuel Payment this year unless they opted out by midnight on 15 September - but it will be clawed back if your income is £35k-plus.
My daughter loaned me £9,900 to boost my state pension - but I've been left in limbo for 18 months
16/09/25 09:04Julie Stewart (pictured) was on track to get just £134 a week when she reached state pension age in November 2023.
State pension increase of £560 next April will push it 'perilously close' to income tax threshold
16/09/25 09:27Many pensioners already earn over the £12,570 personal allowance, if they have a private pension too, or earned state pension top-ups during their working life.
One in four wealthy people plan to leave pensions to family, but many are in dark about new IHT raid
16/09/25 06:00Many people may be planning for retirement based on outdated assumptions, according to Schroders Personal Wealth.
How a small monthly boost could add £52,000 to your pension pot
12/09/25 01:38Many are likely to be maxing out free extra contributions from employers which offer to pay in a higher percentage of your salary if you do as a perk of the job.How a small monthly boost now could add £52,000 to your pension pot - find out how YOU could benefit
12/09/25 06:00Many are likely to be maxing out free extra contributions from employers which offer to pay in a higher percentage of your salary if you do as a perk of the job.
Study: Is the UK a good place to retire?
10/09/25 11:39We slipped in financial indicators like income inequality and unemployment compared with a year ago, according to the Global Retirement Index from Natixis.Is Britain a good place to retire? Big and rich countries ranked
10/09/25 06:00We slipped in financial indicators like income inequality and unemployment compared with a year ago, according to the Global Retirement Index from Natixis.
Are we heading for an' Omnishambles Budget'? Warning to Rachel Reeves over demolishing pension tax relief
07/09/25 11:01Overhauling pension tax relief to cut the amount going to better paid taxpayers would cause uproar and also harm lower paid workers, warns a new study.
How to get high income from the rocketing cost of government debt - and make a tax-free profit
06/09/25 08:52Turmoil in the bond markets led to the yield on 30-year gilts - long-term UK debt - hitting 5.75 per cent.
Savers scramble to pull tax-free cash out of pensions
05/09/25 12:30Withdrawals are likely to have continued at a similar or even greater rate as concerns about a cap have intensified ahead of the autumn Budget on 26 November.
Savers scramble to pull tax-free cash out of pensions amid fears Rachel Reeves could slash limit
05/09/25 09:20Withdrawals are likely to have continued at a similar or even greater rate as concerns about a cap have intensified ahead of the autumn Budget on 26 November.
Despairing pensioner hunts for lost £3,200 state pension top-up for THREE AND A HALF years
03/09/25 06:00We have been deluged by readers complaining about state pension top-ups cash vanishing after a huge rush ahead of the recent deadline to fill old gaps in records.
Should YOU copy Angela Rayner and put your house in a trust? The tactic to reduce your inheritance tax
02/09/25 09:16Putting assets into trust can offer many benefits, for example to reduce your inheritance tax bill or to create a legacy for loved ones.
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