s one of the few elements of investing that you can control small increase in savings can make a huge difference/meraxes.polarmobile.com:443/image/v1.0.0/bin/5b89688948e3edcb230d7d36/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=ever too late to get a degree. There are a number of ways retirees can fund further educationo pay for your degree as a mature student/meraxes.polarmobile.com:443/image/v1.0.0/bin/5bcf43f948e3edcb230e0065/www.telegraph.co.uk/personal-banking/mortgages/over-50s-solutions-for-retirement/mature-student-funding/?WT.mc_id=tmgspk_plrnlr_2182_ArXkl3VgXqCr&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2182&utm_campaign=tmgspk_plrnlr_2182_ArXkl3VgXqCr&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=/www.telegraph.co.uk/personal-banking/mortgages/over-50s-solutions-for-retirement/mature-student-funding/?WT.mc_id=tmgspk_plrnlr_2182_ArXkl3VgXqCr&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2182&utm_campaign=tmgspk_plrnlr_2182_ArXkl3VgXqCr&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=/www.telegraph.co.uk/personal-banking/mortgages/over-50s-solutions-for-retirement/mature-student-funding/?WT.mc_id=tmgspk_plrnlr_2182_ArXkl3VgXqCr&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2182&utm_campaign=tmgspk_plrnlr_2182_ArXkl3VgXqCr&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=s one of the few elements of investing that you can control small increase in savings can make a huge difference/meraxes.polarmobile.com:443/image/v1.0.0/bin/5b89688948e3edcb230d7d36/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=/www.telegraph.co.uk/money/retirement-and-pension-planning/pension-charges/?WT.mc_id=tmgspk_plrnlr_2058_ArKTc39t08r9&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2058&utm_campaign=tmgspk_plrnlr_2058_ArKTc39t08r9&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=ever too late to get a degree. There are a number of ways retirees can fund further educationo pay for your degree as a mature student/meraxes.polarmobile.com:443/image/v1.0.0/bin/5bcf43f948e3edcb230e0065/www.telegraph.co.uk/personal-banking/mortgages/over-50s-solutions-for-retirement/mature-student-funding/?WT.mc_id=tmgspk_plrnlr_2182_ArXkl3VgXqCr&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2182&utm_campaign=tmgspk_plrnlr_2182_ArXkl3VgXqCr&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=/www.telegraph.co.uk/personal-banking/mortgages/over-50s-solutions-for-retirement/mature-student-funding/?WT.mc_id=tmgspk_plrnlr_2182_ArXkl3VgXqCr&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2182&utm_campaign=tmgspk_plrnlr_2182_ArXkl3VgXqCr&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=/www.telegraph.co.uk/personal-banking/mortgages/over-50s-solutions-for-retirement/mature-student-funding/?WT.mc_id=tmgspk_plrnlr_2182_ArXkl3VgXqCr&utm_source=tmgspk&utm_medium=plrnlr&utm_content=2182&utm_campaign=tmgspk_plrnlr_2182_ArXkl3VgXqCr&plr=1&mvpf=88cac5ad91614fea88712d7337420803&mvpflabel=

Trouble reading this email? View online. Unsubscribe.

Wednesday, October 31, 2018

Telegraph Money  The week's most important personal finance news, analysis and expert advice, from pensions and property to investment ideas and savings tips.

The Telegraph take By Sophie Christie personal finance reporter

Philip Hammond, the Chancellor, presented the 2018 Budget on Monday, setting out the Treasury's plans for tax and spending over the coming year. Telegraph Money reporters have summarised how you'll be affected by the newly announced measures, and detailed who the winners and losers are. One of the biggest announcements made by Hammond was the bringing forward of income tax cuts by raising the "personal allowance" – the amount of income everyone can earn tax free – to 12,500 from April 2019, up from 11,850 currently, benefiting 32 million people. However, tucked away in the small print was a rise in National Insurance for higher rate taxpayers, which means they will benefit from a far smaller overall tax cut than originally thought. Use our calculator to work out your take home pay today, and how this compares to your take home pay in April, once the rate changes come into effect.

Top stories

'Accidental landlords' face 150m capital gains tax hit

Contractor tax raid worth 1.2bn delayed in Budget

Family businesses are being torn apart by inheritance disputes

Moral Money

'My flatmate is depressed and can't work – should I pay his share of the rent?'

Money advice

Women: 10 ways to get a bigger, better pension   Follow this guide and never pay higher-rate tax   Budget 2018 tax allowance calculator: Work out your take-home pay

Savings and banking

• Pain for 500,000 savers as NS&I cuts returns on inflation-linked accounts • Third cash Lifetime Isa launches with market-beating rate

Investing

Shares continue to tumble, but when will markets recover?   3.7bn contrarian fund manager: ‘The signs for a market rally are flashing green’   It's Your Money, episode 2: 'Investing 101 – how to grow your cash without breaking the bank'

Pensions

• Pension Q&A: were your questions answered? • Pension dashboard gets 5m Budget boost • Pensioners finally get legal protection from cold calling predators in Budget

Questor share tips

Which of our favourite trusts look like bargains after the market sell-off?

Lloyds and Crest Nicholson have failed to make gains but both are worth holding

Direct Line’s shares may not be motoring but the 6pc yield makes them a hold

Buy newly floated Aston Martin – it’s making a clever pitch for the Chinese market

Ask Jessica

• 'Why is Santander so slow to help despite the imminent tax return deadline?' • 'GDPR mix-up means I'm no longer receiving money-off vouchers for B&Q' • 'Life savings lost to bust currency firm. What do I do?'

You have the last word...

David Rossiter said about the 26-30 'Millennial' railcard: "This discriminates against anyone of this age who needs the discount but can't afford a smart phone - surely that cannot be fair?" Blaise Morris said about “Accidental landlords” face 150m capital gains tax hit: "Why won't Hammond seek a fair and proper income from non UK residents who have and continue to buy up millions of homes often simply leaving them empty?" A Fish Called Wander said about Budget winners and losers: "I buy all my wine in France, so Hammond can tax it in the UK as much as he likes. Until 29th March 2019 anyway.."

Contact us: to pose a question to our team of expert reporters, email moneyexpert@telegraph.co.uk. If you'd like a free financial plan, email money@telegraph.co.uk with the subject 'Give me a Money Makeover'.

Share this newsletter

Telegraph Money    Not subscribed to this newsletter yet? Sign up now. See more Telegraph newsletters   Investor  |  Property  |  Business  |  Front Bench You have received this email because you have agreed to receive marketing messages by email from Telegraph Media Group Limited or its group companies or you may have signed up to receive this newsletter. Please do not reply to this email.   Terms and conditions apply to all offers, prices and competitions that may be shown in this email. For full details please click on the advertised offer. The Telegraph reserves the right to withdraw these offers without notice.   If you no longer wish to receive these messages, please unsubscribe.   In accordance with the 2018 Data Protection Act, Telegraph Media Group Limited and its group companies are committed to protecting your privacy. If you wish to know more please access our privacy policy.   This email is from Telegraph Media Group Limited or its group companies - 111 Buckingham Palace Road, London SW1W 0DT. Registered in England under No 451593.