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=

Your biggest stamp duty questions answered by our experts
Plus: how to stand up for your consumer rights this Christmas

Wednesday, December 19, 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

The countdown to Christmas is on, and shoppers are predicted to spend 1.65bn on "Super Saturday" this weekend as they hit the high street to pick up last-minute gifts for friends and family, according to the Centre for Retail Research.

But not all of the presents given this festive season will be well received. Experts have warned that few shoppers know their legal rights concerning refunds – and that shops rarely make this easier.

Did you know that you do not need a receipt to return an item, even if some retailers say that you do? Read our myth-busting guide here to ensure you know your return rights this Christmas.

Although our coverage will continue over the festive period over at telegraph.co.uk/money, this is our last newsletter of 2018. We would like to take this opportunity to wish you all a merry Christmas and a happy new year.

 

Top stories

Telegraph Money reporter looking for treasure on the banks of the Thames

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Stamp duty: your biggest questions answered – are there any we've missed?

 

Telegraph Money has launched a petition to reverse damaging cuts to one of NS&I's most popular saving accounts. More than a thousand people have signed already – will you join them? Sign here.

 

Moral Money

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'My daughter has never bought me a Christmas present – but splashes out on her boyfriend'

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

 

Investing

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Dividends are on the up: which stocks to buy and what to avoid
 
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FTSE 100’s dividend yield ‘to reach 5pc’: can firms afford to pay?
 
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Stick or twist: how to know if it’s time to sell your failing fund
 
 

Fame and Fortune
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Jeff Kinney: 'Getting used to being rich took me five years'

 

The children's author wanted to be a federal agent but ended up writing a series of books that have sold 200m copies. Read the full article here.

 

Savings

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The cheapest and most expensive places to buy an Isa (in pounds and pence)

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Money Makeover: 'I'm self-employed. How can I best save for my future?'
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Revealed: the best time and day to buy your holiday money
 

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

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Income trusts with high yields, large discounts and strong dividend growth
 

Ask Jessica

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'I paid AA upfront: now I want my money back'
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'Why has it taken Aegon a month to transfer my 15,000 Isa money?'
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'BT hit me with a surprise 194 bill – so I took it to the small claims court'
 

You have the last word...

Finian Manson said about 'zombie banks' coming under the watchdog's spotlight: "Better late than never, but will we see compensation for those whose homes were repossessed because of high interest rates."

Dave Smith said about the elderly losing out on thousands as best savings rates are online only: "Elderly or not, we are all losing out on savings accounts which is why many of us are looking at more risky investments."

Derek Allen said about 'a no-deal Brexit would be problematic for stocks': "Mallon has been managing this fund since 2005, and it hasn't been an outstanding performer, in fact it would be reasonable to call it mediocre for the last five years. In light of this, I can only regard his comments about Brexit as a smokescreen to cover his continuing under-performance."

 
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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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