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=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=

How to help your family on the ladder... and avoid paying stamp duty
Plus: should inheritance tax be cut?

Wednesday, November 28, 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

Theresa May’s disastrous Brexit deal has plunged the Conservative Party into a crisis which has the potential to lead to yet another election – and a possible Labour government.

If Jeremy Corbyn came to power, what would it mean for your finances? Telegraph Money reporters looked at what Mr Corbyn and John McDonnell, the shadow chancellor, have said and how this would affect workers, investors, landlords and pensioners.

Inheritance tax is still a source of considerable political controversy, and experts this week said it should be cut for "accidental millionaires", as they are being forced to pay a bigger chunk of their inheritance than the ultra-rich.

The Office for Tax Simplification found that in 2015-16, bequeathed estates worth between 2m and 8m paid a rate double that paid on estates greater than 10m. And that's after you've made it through the mountain of nightmarish paperwork.

 

Top stories

Case study Tom Raitt

‘My lender wants 161k in penalties’: the 'astonishing' rates of equity release interest
A mortgage adviser stamping a loan application

How to help your family on the ladder and avoid paying extra stamp duty
Maggie Aderin-Pocock

Space scientist Maggie Aderin-Pocock: ‘I couldn’t afford to get the Tube to my PhD classes’
 

Moral Money

A scene from Friends

Moral Money: 'My flatmate's boyfriend has all but moved in, but refuses to pay rent'

 

Savings and banking

•

NS&I’s inflation fiddle is just another way the state plays by different rules
•

Lloyds adds map to app to help customers spot fraudulent transactions
•

Kent Reliance takes top spot from Marcus in easy-access best buy league

 

Investing

A Dream Lodge property

Dream Lodge investors in limbo as 'guaranteed returns' dry up for holiday rental scheme
 
Black Friday signs in shop windows

Want a Christmas bargain? Try our three-step guide to investing in retail
 
A film still of Atticus Finch in To Kill a Mockingbird

Funding legal cases could earn you 8pc returns – so what's the catch?
 
 

Pensions

•

Pension jargon took me 10 years to unravel

•

Millions of savers blocked from transferring their final salary pensions
•

Money Makeover: 'how can I plan for a bit of luxury in retirement?'
 

How to pay for your degree as a mature student

 

Its never too late to get a degree. There are a number of ways retirees can fund further education

 

Sponsored

Questor share tips

A box of Indivior's Suboxone treatment

This stock has fallen by 75pc. But has the point of peak pessimism been reached?

Telecom Plus branding on a car

It’s no Black Friday bargain, but hold on to Telecom Plus for income and growth

A field of chickens

The three safety buffers that make our Paragon bond interest payments safe

Alex Wright, the manager of Fidelity Special Values

When markets are worried, you get more mispriced stocks. This fund finds them

 

Ask Jessica

•

'Extreme weather scuppered holiday and our travel insurer wouldn't pay'
•

'I don't have sufficient credit history to take out a phone contract'
•

'I lost 250 by unwittingly signing up to a subscription service by phone'
 

You have the last word...

G Olson said about Britain’s new class of wealthy bargain hunters: "Nothing wrong with Aldi and Lidl although, as with any shop, one must be selective as some items are not particularly good. There is far too much snobbery over supermarkets."

Finian Manson said about the nightmarish paperwork around inheritance tax: "A real vote winner for the Conservative Party would be announcing they were going to abolish inheritance tax and capital gains tax and merge national insurance contributions and income tax into simplified bands. Labour and the now defunct Lib Dems or any new party that might emerge would have great difficulty in criticising that."

Alastair Harris said about smart meters ‘to add 500m to energy bills’: "Yet another government vanity project for which we pick up the tab."

 
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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'.

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