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Investing for the under 40s - the pros and cons of the Lifetime Isa

Presenter Claer Barrett and guests explore how under 40s are using the Lifetime Isa to save for a property, or invest for the future. What strategies are younger investors taking? Plus the new rules on automatic compensation when broadband goes down, and the six ways pensions scammers are most likely to try and con you - would you fall for it? 


 

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Escape the motherhood penalty, teenage investors and 'best buy' investment lists

Having a baby is one of the best things that could happen in your life - but sadly it could also be the worst thing that could happen to your finances. We discuss the effects of the gender pay gap. Plus FT Money editor Claer Barrett talks to guests about what kind of investor Adrian Mole could have grown into. And what could happen to the 'best buy' lists used by fund supermarkets in the wake of the Woodford scandal?

 

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Are you facing losses from the closure of the Woodford equity income fund?

Hundreds of thousands of investors with money trapped in the Woodford Equity Income fund found out this week that the fund is to be liquidated, the fund manager would be sacked and that their money would be returned to them eventually. Claer Barrett, FT money editor, talks to guests about how much money investors have lost and how much they are likely to get back and when. Plus we hear from someone who was landed with a £476 fine and a criminal record - just for forgetting to charge her iphone. 

 

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How to set up your own investment club 

FT Money editor Claer Barrett and guests discuss how tens of thousands of UK private investors are meeting in pubs, restaurants and private homes to discuss how to beat the market - with tips for anyone thinking of doing the same.

Plus why the wealthy get married in secret, and how banks could do more to help customers with mental health issues. 

 

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Election planning for your finances, digital tax returns and balancing your budget

Taxing questions ahead of the General Election - as the spending pledges of the major parties add up, how might the tax rules change to pay for it all? Presenter Claer Barrett talks to Nimesh Shah, a partner at Blick Rothenberg to get the answers. Plus, if you’re already dreading your annual tax return, would you prefer it if computers did it for you? Chris Giles, the FT’s economics editor, has been probing the future shift toward personal tax accounts that could deduct what you owe in real time! And finally, Becky O'Connor from Royal London tells listeners about a host of savings tips and tricks that could help you balance your own budget. 

 

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How to find a financial adviser, general election planning for your finances and the rise of the 40 year mortgage

How to find a financial adviser - a relationship with an adviser you can trust is something that FT readers often tell us is hard to come by. FT Money editor Claer Barrett talks to Damian Fantato, deputy editor of FT Adviser about the solution. Plus, with less than a month to go until the general election, financial advisers tell us they are getting calls from a lot of worried clients - we discuss what's troubling them. And finally, the rise of the 40-year mortgage - Paul Lewis, presenter of BBC Moneybox is here to share his own worries about extra long hours.

 

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Investment trusts: family trusts, dividend heroes and compared to other investments

On this week's FT Money show we discuss investment trusts and the different ways investors can use them in their portfolios. Presenter Emma Agyemang, FT Money reporter, talks to Jason Hollands, managing director at Tilney Group and Moira O'Neill of interactive investor about how listeners can invest alongside the wealthiest families. Plus, the dividend heroes - which offer the most consistent income and are they still a good option for investors? And finally, Merryn Somerset Webb tells listeners why she thinks investment trusts have a better chance of lasting a lifetime compared to other assets.

 

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The general election and your finances, the gender pensions gap and our love/hate relationship with cash

The general election and your finances - with a week to go, what changes could the major parties bring in? Presenter Claer Barrett talks to Rachael Griffin, a tax expert at Quilter, about the pledges. Next up on the show if you're self employed, have you got a pension? A third of self-employed women say they are saving nothing into a pension. Blogger Emma Maslin, better known as the Money Whisperer, has lots to say on this topic. And finally - they might say it's vulgar to talk about money, but James Max, our Rich People's Problems columnist is here to explain why he loves cash.

 

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Has Harry Potter been a wizard with his finances 

Harry Potter will turn 40 in the year 2020, but has he been a wizard with his finances? Presenter James Pickford speculates on his fictional fortune with Moira O’Neill, head of personal finance at Interactive investor - plus we look at the financial impact of a Dry January, and where to find the best deals on gym membership.

 

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Pensions advice, new overdraft rules and Latin terms in the investment world

Have you been mis-sold pensions advice? FT Money Show presenter Claer Barrett talks to the FT's pensions expert Josephine Cumbo about the suitability of financial advice in relation to retirement planning. Next up on the show we discuss how the new bank overdraft rules could affect you. And finally, does your financial adviser speak your language? FT columnist Moira O'Neill has spoken out against the widespread use of Latin terms in the investment world - should it be allowed to continue ad infinitum?   

 

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Pensions tax relief, Winter fuel allowance and Britain's house prices

Is time running out for pensions tax relief? Chancellor Sajid Javid is reported to be considering a major shake-up of pensions at the Budget in a months time. The FT's pensions correspondent Josephine Cumbo talks to FT Money editor Claer Barrett about what form this could take. Next up, we debate the value of the Winter Fuel Allowance for wealthy pensioners. And finally, our resident property guru James Pickford on how the next property cycle could turn out. 

 

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Split mortgages, scams, and free money for childcare

Do you want to find out how to do the splits on your mortgage? FT Money Show presenter Claer Barrett is not talking about stretching yourself, but instead, how thousands of borrowers are finding their mortgage lender is flexible enough to give them more than one type of mortgage. Next up, nearly a million people reported scam calls, texts or emails from criminals posing as UK tax authority HMRC last year - we tell you how to protect yourself. And finally, despite the rising cost of childcare, statistics show a million parents are not claiming for the tax free childcare they are entitled to - are you one of them?

 

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Campaign for clear pension charges, how the coronavirus has hit stock markets and coal fires

Join our campaign for clear pension charges - FT Money has been exploring the impossibility of comparing the costs of drawdown plans. The FT is calling on the pensions and advise industry to be transparent about charges to help people to shop around. In this week's show, FT Money Show presenter Claer Barrett interviews o the FT's pensions expert about our campaign. Next up, the spread of the coronavirus has given world stock markets a nasty turn - FT Moneys' new investment reporter, Madison Darbyshire, talks about how investors are reacting. And finally, to cheer listeners up a bit - James Max, our Rich People's Problems columnist is here to discuss a burning issue - the government's proposed ban on coal fires. 

 

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Individual Savings Accounts - could these tax free wrappers take over from pensions as our preferred savings vehicle?

Could Isas overtake pensions as the UK's tax-saving vehicle of choice? The tax benefits of pensions have been steadily eroded over the past decade but at the same time, Isas have been coming into their own. Most people approaching retirement today will rely on a combination of pensions and Isa income. In this week's show, FT Money Show presenter Claer Barrett takes a break from covering the coronavirus and what it means for your money, and interviews the FT's Money Mentor columnist about why investors like Isas so much and how these investments compare to pensions. 

 

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Investing through the crisis

Claer Barrett explores some of the biggest issues facing small investors with investment columnist Merryn Somerset Webb and Fidelity’s Maike Currie. 

 

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South Africa’s central bank slashes rates to post-apartheid low

Reduction is second in under a month as country braces for an extended coronavirus lockdown




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Emerging economies call for more financial help after G20 deal

Middle-income countries plead for assistance as investors face pressure to negotiate




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Default at South Africa’s Land Bank increases pressure on Ramaphosa

Century-old agriculture lender is latest state group in need of government support




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Mozambique’s Islamist insurgency adds to gas industry nerves

Violence surges as sector faces headwinds from oil price crash and coronavirus 




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South Africa discusses lifting lockdown sector by sector

Ramaphosa administration wants phased reopening to limit damage to struggling economy




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Ramaphosa prepares to reopen South African economy gradually

Five-week shutdown to be eased stage by stage according to a series of rolling levels  




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Covid-19 focus threatens precarious malaria progress

Pandemic could set back the fight against malaria by 20 years, with Africa hit worst




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Abba Kyari, chief of staff to the president of Nigeria, 1952-2020

A self-effacing intellectual who rose to the very centre of power




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Low Covid-19 death toll raises hopes Africa may be spared worst

Continent has limited confirmed virus fatalities but experts warn it is too early to draw conclusions




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Coronavirus stalks world’s refugees as shutdowns disrupt aid

Plea for increased humanitarian help has gone unanswered and funding is set to be cut further




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Africa’s Covid-19 response is a glimpse of how things could be different

Leaders acted swiftly as they watched richer countries’ health systems crumple




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Snow and strikes are no obstacles for gritty women

Are women more committed than men when it comes to getting to the office?




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The gender question can be wrong

Many travails exist beyond being judged by your sex




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Wales, it is time to fire up your job creation turbo engine

Wales is getting it right on job creation if you ask me and Aston Martin




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Are work spaces for staff or clients?

Millennial v Boomer: One stands by her employee ping pong tables while the other caters discreetly for customers




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Introducing my podcast, Irreverent Questions

Other people’s working lives are endlessly interesting — always something to learn




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How to pick the perfect global event — and shoes

Which conferences are worth your time and money? Here’s how to decide




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Mrs Moneypenny’s Question Time — resist skipping post-flight shower

Everything from what you wear to your posture plays a role in how impressions are formed




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People are better than money at motivating employees

Stable, extroverted, agreeable people tend to like their jobs, irrespective of their salaries




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Train your successor before you need one

To move on to a dream job, have someone ready to replace you at the old one




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Jancis Robinson’s stunning white wines for the festive season

From a delicate Muscadet to a powerful Meursault, 26 wines of excellent value




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Jancis Robinson’s top 20 sweet and strong wines for Christmas

From Muscat to Madeira, the best — and best-value — tipples for the festive season




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Hot stuff: Burgundy’s heatwave vintages

Winemakers are becoming more skilled at coping with rising temperatures




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Some resolutions for 2020

I am guilty of shying away from the off-piste section of a wine list. I hereby resolve to be more adventurous




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Why Mr Merlot is key to the present state of Italian wine

How Carlo Ferrini went from top consultant to being awarded winemaker of the year three times




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Can Mâconnais wines rival the best burgundy?

A retrospective tasting of Jean-Marie Guffens’ exceptionally nervy creations suggests so




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My best bordeaux ever

‘The wines are delightfully ripe but they also have an admirable spine of acidity and tannin’




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Why it’s time to cut back on glass wine bottles

Don’t be snobbish about wine in cans, pouches or cartons. Glass bottles have a far higher carbon footprint




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Tips from the Top: Jancis Robinson’s best wine addresses in London

The FT’s wine columnist reveals her favourite clubs, cellars and bars in the capital




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Bordeaux’s charming – and charmless – 2010s

‘These long-lived wines need time in bottle to soften and become truly appealing; the best examples can continue to improve for decades’




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Jancis Robinson on the new wave of Spanish wines

There is a new-found confidence in what Spain, and Spain alone, can offer




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Jancis Robinson on how to invest in wine, part one

A Marie Kondo-style approach is best, according to serious collectors – if it doesn’t spark joy, sell it




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Jancis Robinson on the best ways to sell your wine collection

The most popular method is through the outfit you bought it from




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Lockdown wines: the best whites to order from home

Since people are no longer paying restaurant margins, some reason they can spend a bit more at home




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US daily fatalities drop below 1,000 for first time in month

Death toll falls in part because of sharp decline in New York state