by The Investor | Oct 22, 2025 | Saving for retirement
The quick answer For most people, you can save up to £60,000 in a tax year across all pensions before extra tax applies. This limit is called the annual allowance and includes what you pay in, what your employer pays in, and the automatic top-up from basic-rate tax...
by The Investor | Oct 22, 2025 | Saving for retirement
A clear plan for anyone paying into a pension. The quick answer Think long term. Pensions are decades-long. You want growth, diversification and low costs — not day-trading. Pick a simple route. Use a ready-made, globally diversified fund or build a basic mix yourself...
by The Investor | Oct 21, 2025 | Managing your portfolio
This guide gives you a clear, logical order for drawing from pensions and other pots so you keep more of The 10-step drawdown plan. 1) Start with your tax-free ranges on cash interest Use your Personal Allowance (£12,570), Starting Rate for Savings (up to £5,000 if...
by The Investor | Oct 20, 2025 | Weekly Review
Monday 20 Oct 2025 | 07:50 BST | London 60‑Second Takeaway Markets pause after gold’s record run: last week’s surge cooled into Monday as yields steadied and oil found support above $60. Macro diary returns: delayed US CPI and UK inflation data due mid‑week will set...
by The Investor | Oct 18, 2025 | Investing
What allowances do I have? Personal Allowance (PA): £12,570 — Tax‑free allowance on any earnings or interest; this allowance reduces when you earn over £100,000. Personal Savings Allowance (PSA): £1,000 if you’re a basic‑rate taxpayer; £500 if you’re higher‑rate —...
