Personal finance

31 March 2026

How to afford your pension (without neglecting other expenses)

Most of us know that we should be saving into our pension. But when there are more immediate costs, it can easily stay at the back of the queue.

Early in your career, it might not feel like there’s enough money coming into your account. Starting salaries in the UK for those who went to university typically range from £25,000 to £33,000, according...

25 March 2026

How rate expectations have changed and what it means for your money

Before the Iran conflict began, the market expectation was that rates would gently ease in 2026. But those assumptions have been thrown out of the water since the beginning of March.

What’s now expected by the market and what does this shift in the trajectory of rates mean for your money?

How much have expectations for rate hikes moved?

The chart...

25 March 2026

You might not be as diversified as you think

If you’ve been keeping an eye on your investments in the past few weeks, you may have experienced a nasty shock. Despite all the work you’ve put into creating a diversified portfolio, the market turmoil of March may have put a dent in your investments.

This isn’t a reason to panic. Even well diversified portfolios aren’t immune to falls in the...

24 March 2026

How to use the X-Ray tool to keep your investments on track

Staying on top of your investments is important if you want to make a success out of putting your money to work in the financial markets.

A useful tool created for this purpose is the Morningstar Portfolio X-Ray, which is available to AJ Bell customers.

To find your own X-Ray portfolio report simply log in to your account and look for four icons...

20 March 2026

The pay rise sting: how crossing income thresholds can cost you

The UK tax system is very taxing, and lots of people celebrating a pay rise may later find that the pay boost has a sting in the tail. Once people hit different earnings thresholds they are met with tax cliff edges, allowances being slashed and tax rates jumping – as well as valuable benefits being chopped.

The situation has become so complex that...

18 March 2026

What is ‘stagflation’ and why is it a worry?

‘Stagflation’ is a term that makes regular rounds on the news and can be a point of real concern for the markets.

It refers to an economic condition when inflation is rising, but gross domestic product (GDP) and employment levels are flat or shrinking. This means that while goods and services are getting increasingly more expensive, the country is...

13 March 2026

Fewer than 1% of Premium Bonds prizes go to those holding less than £1,000

The allure of Premium Bonds resides in the potential for holders to win a prize up to a maximum of £1 million, but many of those with money in the accounts will never win – or see a return on their money at all. There are more than 14 million premium bond holders yet to win a prize big or small, making up nearly two thirds of all account holders.

F...

11 March 2026

Three investment goals to unlock with your ISA

Working towards a specific goal can be a great incentive to put money away. Rather than a random ‘something for a rainy day’ motive to set aside money, having a clear purpose and a target amount keeps you focused.

It’s like putting a postcard of a dream holiday destination on the fridge – every time you walk past, you see the picture and feel even...

5 March 2026

How to make your family millionaires in just 10 years 

Analysis from AJ Bell shows a family of four could have built a tax-free investment portfolio worth £1 million in just 10 years by consistently maximising their ISA and Junior ISA allowances.

If a family of four had used their ISA allowances in full over the past decade, and invested the money in a global tracker fund, they would be sitting on £1...

4 March 2026

How to speak with your family about inheritance

Money is something that sits in that uncomfortable zone of being a huge part of life and the topic no one wants to discuss outright. A study by the Money and Pensions Service found that just 52% of Brits are comfortable speaking to their family about finances.

Often, when the conversations do happen, it can be in vague terms that make it difficult...

26 February 2026

Can you afford the house you want?

Buying a home is the biggest purchase that most of us will make, and it has a massive impact on day-to-day life. For many, a first home will be the place they plan to start a family or enjoy the first years of married life. It doesn’t stop there: finding bigger homes or downsizing later in life are just as much the start of a new chapter.

We want...

20 February 2026

Student loan changes could cost graduates £250 a year

In the 2025 Budget chancellor Rachel Reeves announced a plan to freeze the threshold at which around four million graduates start paying off their student loan.

How much will these changes cost? The precise impact will depend on each individual and their own earnings, as well as future inflation over the next three years. But our estimates show...

17 February 2026

Discover the tool which can tell scammers apart from real firms

If you were making your way through Waterloo at rush hour recently you may have spotted a mysterious ATM offering untold riches before the Financial Conduct Authority’s (FCA) Emil the Seal mascot emerged to warn of the dangers of investment scams.

The stunt was part of a broader campaign to raise awareness of the regulator’s ‘Firm Checker’ tool...

12 February 2026

How investing just £25 a month could have netted you £6,300 in 10 years

When people think of investors they may imagine people with private yachts or thousands of pounds in the bank, but investing doesn’t have to mean big sums or expert timing to deliver decent results.

Putting away just £25 a month could grow into a sizeable investment pot over time, and the figures highlight the powerful impact of investing little...

11 February 2026

How simplifying your portfolio can save you cash

A golden rule of investing is not having everything in one basket so you’re not caught out if something goes wrong with one of your holdings. But a less discussed point is how to do it and how doing it effectively can really save you money.

Ultimately when it comes to diversification what matters is not how many funds you hold, but their underlying...

4 February 2026

Just three steps could save you hundreds of pounds in 2026

After many spent January penny pinching, February brings a bit of good news for bank accounts: most people will not pay council tax payment this month or next month, which might make achieving regular investing goals a bit easier.

For most (but not all) people, council tax payments are split across 10 months, with no charge in February or March...

23 January 2026

Is it really HMRC contacting you or a scam?

As tax season starts up this year, none of us want to find ourselves on the wrong side of HMRC. So, it’s natural to want to act fast when you get a phone call or text claiming to be from HMRC informing you of some unpaid sum.

Scammers often use tax season to manipulate people into revealing their bank account details under the ruse of HMRC, because...

15 January 2026

What you can do about changes to salary sacrifice

Salary sacrifice has hardly been out of the news since the November Budget. It’s a formal agreement between you and your employer to lower your headline salary in return for pension contributions. The salary sacrificed up front is then exempt from National Insurance (NI) deductions for both you and your employer and in some cases, your employer...

14 January 2026

Scottish Budget: income and wealth tax changes explained

In a boost for those on lower incomes, Scottish taxpayers will see some income tax thresholds rise from 6 April 2026 for earned income.

But the 788,000 Scottish taxpayers who are forecast by the Scottish Fiscal Commission to pay tax at the higher rate and above from 2026 will still be at the mercy of fiscal drag. This is because the higher...

14 January 2026

UK mortgage rates are falling: what to do with any savings

The New Year is bringing with it a welcome reduction in mortgage rates – with HSBC the first big lender to cut its rates in 2026.

Clearly anyone on a five-year fixed rate might be facing up to a painful increase in repayments but if you are moving off a two-year fix, there’s a decent chance you could have a bit of extra cash in your pocket. A trend...

8 January 2026

A major tax deadline is approaching: do you need to file a return?

The festive period is now firmly in the rear-view mirror and millions of people are yet to file their self-assessment tax return for the 2024/25 tax year ahead of the 31 January deadline.

Although nearly 20,000 filed a return on New Year’s Day, just under half of the expected 12 million tax returns are yet to be received by the taxman, according to...

7 January 2026

These tools can help up your investing game this year

Researching an investment often begins with being swamped with information. While there’s heaps of analysis and tools to help you find the best fit knowing how to use them, and where to find them, is a mission in and of itself.

Here, we’re going to run through a few of the tools AJ Bell has available to investors and how to get them working for you...

6 January 2026

How much money can dry January save you?

As Brits woke up with a sore head on New Year's Day, some didn’t take much convincing to opt for a sober month.

Dry January fits in the calendar nicely after a December spent at long lunches and festivities, establishing a clean slate for those forging ahead with New Year’s resolutions, or just a good excuse to skip the pub in favour of being...

29 December 2025

How a regular savings plan dampens stock market volatility

Simplicity is a virtue when you first start investing, which is why setting up a regular savings plan can take some of the load off the decisions you have to make.

Money is automatically moved from your bank account to your ISA, SIPP or Dealing account every month, and then invested according to the standing instructions you gave when you set up...