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=

Six charts that explain what happened to your money in 2018
The four funds to buy to boost your returns in 2019

Wednesday, January 2, 2019

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

Happy New Year! We hope you all had a lovely festive break.

We're using the start of 2019 as an opportunity to take a look back on the year we've left behind, when the markets finally flagged, energy prices soared and more of us cashed in pensions.

We've looked at the winners and losers of the past year – it turns out it was better to be a saver than an investor – and have rounded up some of the best Fame and Fortune interviews, including actor Timothy West, tennis coach Judy Murray and cricket legend Henry Blofeld.

Looking to the year ahead, Telegraph Money reporter Harry Brennan has explained why 2019 is the year to invest in British shares, and Jonathan Jones has laid out the investment traps to avoid to boost your returns.
 

Top stories

New Year's Eve fireworks

Six charts that explain what happened to your money in 2018
Case studies at The Spotted Cow pub in Holbrook

How to save your local pub, post office or cafe – and make a profit
Film still from The Devil Wears Prada

New year, new job: everything you need to know if you're looking for a career change in 2019
 

Moral Money

Prince Charles and Camilla Parker-Bowles with the Queen

‘My mother-in-law is my tenant. Can I raise her rent without looking bad?’

Read the full Moral Money dilemma (and have your say) here.

 

Investing

A cartoon of a man on a boat

DIY investor: 'How I made 9pc while markets fell, beating 97pc of fund managers'

 
A dog on a trampoline

Tom Stevenson: My top four fund picks to help investors bounce back in 2019
 
Prince Harry

Four investment trusts worth paying a premium for
 
 

Fame and Fortune
Henry Blofeld

John Taylor: 'I sued my dad's company for 23m'

 

The electric kettle inventor and designer of the Chronophage has 400 patents, which have created 10,000 jobs. But it hasn't always been plain sailing – he failed all his common entrance exams. Read his story here.

 

Tax

•

How to claim valuable tax reliefs when giving to charity

•

Capital gains traps: why doing laundry at mum's can cost you thousands in tax

•

Government could back down on 'disguised death tax' following Lords pressure
 

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

Andy Bell of AJ Bell

Progress report: we haven’t avoided the stock market sell-off but we've kept losses to a minimum
Veronique Laury, the head of Kingfisher

'I’ve tipped 100 stocks – this is what I’ve learnt'
 

You have the last word...

Roz Adams said about the weirdest things divorcing couples spar over in court: "A friend of mine switched from being a divorce attorney to mergers and acquisitions after one couple fought for a month over the possession of a set of steak knives which they had received as a free giveaway."

Lindsay Viljoen said about rail passengers hit with 3.2pc fare rise: "Ripoff Britain at work. Not only do we have the highest fares in Europe (with really poor service), we are a full 50pc higher than the next highest on that list."

B Carter said about how ditching a "final salary" pension can cost nine times what you save: "Sorry, but the taxpayer should not be paying for final salary pension schemes. All civil servants and politicians should immediately be moved to defined contribution schemes, like everyone else in the country."
 
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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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