2 September 2025
Lifetime ISA vs pension: what’s better for retirement?A Lifetime ISA (LISA) and pension can both be used to save towards your retirement. Find out how to decide which account type is right for your retirement savings.
About the expert
Laura Suter is AJ Bell's Director of Personal Finance. She joined the company in 2018 and is the go-to spokesperson on all things personal finance - from cash savings rates to saving for children and how to invest for the first time. Laura has a degree in Journalism Studies from the University of Sheffield.
Since joining the company, Laura has co-founded AJ Bell’s Money Matters campaign, which aims to help more women start their investing journey and close the gender investment gap. She writes articles for the campaign and co-hosts the Money Matters podcast.
Laura also co-hosts AJ Bell's weekly Money & Markets podcast, giving an update on all the investing and personal finance news of the week. She's regularly quoted in the national and trade press, as well as appearing on TV and radio. She speaks and presents at live events, ranging from AJ Bell roadshows to the company’s flagship investment conference, Investival, and Money Matters events.
Laura is a multi-award winning former financial journalist, having worked in this role for 10 years before joining AJ Bell. She was previously at the Daily Telegraph as an Investment Editor. During her time at the Telegraph, she was crowned the Headlinemoney Investment Journalist of the Year. She also worked for financial adviser publications Money Marketing and Money Management, as well as an investment publication in New York focusing on the hedge fund and private equity world.
Latest articles from Laura Suter
20 August 2025
Why it could be time to ditch Premium Bonds and start investing for children insteadPremium Bonds have long been perceived by parents and grandparents as a safe store of a few quid, often gifted when a child is born or for birthdays in the hope that they could be one of the lucky winners of a top prize. Unfortunately, unless they are saving large amounts, they’re unlikely ever to see that dream become a reality and may not earn...
11 August 2025
How much can savers have before hitting their tax-free limit?Even though the Bank of England cut interest rates this week, millions of savers will still be hit with a tax bill for their savings interest.
Our FOI this week showed that one in 15 taxpayers are expected to pay some tax on their savings in the current tax year. And HMRC estimates that Brits will earn around £20 billion from interest on non-ISA...
7 August 2025
Are you one of the 2.6 million people paying tax on your savings?The number of people paying tax on their savings income is set to quadruple in just four years, according to new data obtained by AJ Bell. A Freedom of Information request reveals that 2.64 million people are expected to be hit with tax on their savings in the 2025/26 tax year – up from just 647,000 in 2021/22. It means that one in 15 taxpayers are...
6 August 2025
Six ways to start saving for your child’s futureSaving for your child is one of those well-meaning resolutions that often gets pushed to the bottom of the priority list. But setting up an investment account and making regular contributions doesn’t take much effort, and by the time they turn 18, your child could have a sizeable financial head start.
A lot of parents default to cash when saving...
1 July 2025
How to build a £1 million pension potBoosting your pension towards a million-pound pot could be more achievable than you think. Read about how much you’d need to save to achieve a £1m pension pot.
30 June 2025
Five hacks to generate a £16,000 tax-free incomeFamilies could boost their income by more than £16,000 without handing a penny of it to the taxman, using five simple tax hacks.
Couples with one partner earning less than the personal allowance can benefit from the marriage allowance, while those earning less than £17,570 can benefit from up to £5,000 in tax-free savings income, thanks to the...
16 June 2025
How much tax can you save in an ISA versus a Dealing account?When you start investing, the first choice you have to make is which account to open. If you want easy access without locking your money up, then typically you’ll be deciding between an ISA or a Dealing account (also known as a general investment account).
Lots of people might default into a Dealing account as it seems the simplest option – but...
20 May 2025
Could you have £959,729 in lost pensions?There are 3.3 million lost pension pots, according to the Pensions Policy Institute, as people have moved jobs, lost paperwork or forgotten their pension existed. But what if you had 11 missing pension pots you could track down, or a pension worth £959,729 sitting there waiting to be found?
That’s what some people discovered when using our pension...
6 May 2025
Are you adding to the £280bn cash in accounts paying no interest?If you want one figure to sum up the apathy of the UK’s savers, it’s the fact that £280 billion is sitting in accounts earning absolutely no interest, at a time when interest rates are north of 5% for some savings accounts.
The latest Bank of England data to the end of March shows that there is a mountain of cash paying no interest, which has...
