Banking & savings

The latest on cash accounts, ISAs and other savings products, plus retail bond launches

Interest rates of new pensioner bonds confirmed

Interest rates of new pensioner bonds confirmed

12 Dec 2014

The Treasury has confirmed that National Savings & Investments’ (NS&I’s) new ‘pensioner bonds’ for those aged over 65 will pay 2.8 per cent for one-year bonds and 4 per cent for three-year bonds. 

Hargreaves Lansdown: What the chancellor's Autumn Statement ISA changes mean for investors 

Hargreaves Lansdown: What the chancellor's Autumn Statement ISA changes mean for investors 

4 Dec 2014

Danny Cox, head of personal investing at fund supermarket Hargreaves Lansdown, has outlined the impact that the ISA changes announced by George Osborne will have on private investors. 

Chancellor delivers ISA and stamp duty bombshells in Autumn Statement, while bank shares fall on tax change

Chancellor delivers ISA and stamp duty bombshells in Autumn Statement, while bank shares fall on tax change

3 Dec 2014

In the final Autumn Statement of this Parliament, delivered by the chancellor this afternoon, George Osborne has announced that assets that remain in an individual’s ISA on death will now be exempt from inheritance tax when passed on to spouses.

Readers pick best financial firms in What Investment awards

Readers pick best financial firms in What Investment awards

1 Oct 2014

What Investment's readers have chosen the financial services firms they believe offer top-class service and outstanding value for money in the 2014 What Investment Readers' Awards.

Rathbones: Investors in Eros retail bond should be cautious on cash flow concerns

Rathbones: Investors in Eros retail bond should be cautious on cash flow concerns

30 Sep 2014

Investors considering placing some cash in the Eros International retail bond offering should be concerned about the company's ability to maintain a healthy cash flow in the coming years, according to Noelle Cazalis, credit analyst at Rathbone Unit Trust Management.

Hargeaves Lansdown: The new Royal Mint gold account is too expensive compared to the alternatives

Hargeaves Lansdown: The new Royal Mint gold account is too expensive compared to the alternatives

22 Sep 2014

The plan announced this morning by the Royal Mint to allow private investors to buy gold coins is a ‘pricey’ way to invest in the asset class, according to Laith Khalaf, senior analyst at Hargreaves Lansdown. 

Stephanie Flanders: What investors should worry about if Scotland votes for independence

Stephanie Flanders: What investors should worry about if Scotland votes for independence

12 Sep 2014

Stephanie Flanders, the former BBC economics editor who is now chief market strategist at JP Morgan Asset Management, has outlined the likely consequences for investors of a 'yes' vote in the Scottish independence referendum. 

Hargreaves Lansdown: Scottish Independence will lead to higher costs for investors 

Hargreaves Lansdown: Scottish Independence will lead to higher costs for investors 

9 Sep 2014

Investors based in Scotland and investors with assets in Scotland are likely to face higher costs in the event of Scottish voters deciding to vote in favour of independence next week, according to Tom McPhail, head of pensions research at Hargreaves Lansdown. 

Alliance Trust Savings platform grows assets despite price increase

Alliance Trust Savings platform grows assets despite price increase

30 Jul 2014

Online investment platform Alliance Trust Savings (ATS) has managed to grow the assets invested on its platform despite hiking its flat fee by 87.5 per cent early this year.

Hargreaves Lansdown: Higher than expected inflation should not mean early UK interest rate rise

Hargreaves Lansdown: Higher than expected inflation should not mean early UK interest rate rise

15 Jul 2014

Despite annual UK consumer price inflation (CPI) leaping to 1.9 per cent in June, compared to 1.5 per cent the previous month, investors should not be spooked into thinking that a rise in interest rates is now nearer at hand according to Ben Brettell, senior economist at Hargreaves Lansdown.

UK interest rates unlikely to change 'for some time': Schroders

UK interest rates unlikely to change 'for some time': Schroders

18 Jun 2014

Schroders European economist Azad Zagana believes that the latest minutes released by the Bank of England Monetary Policy Committee show that, despite the hype, UK interest rates are unlikely to rise in 2014.

New £15,000 ISA allowance begins on 1 July

New £15,000 ISA allowance begins on 1 July

11 Jun 2014

Investors and savers will have a ‘new’ ISA allowance of £15,000 to invest from 1 July.

New retail charity bonds could play a useful role for investors despite the risks

New retail charity bonds could play a useful role for investors despite the risks

4 Jun 2014

Bonds issued by charities and listed on the London Stock Exchange’s Order Book for Retail Bonds (ORB) could be attractive to private investors, according to independent financial adviser Martin Bamford.

Strong brand and cash flow are positives for new Ladbrokes retail bond

Strong brand and cash flow are positives for new Ladbrokes retail bond

28 May 2014

The retail bond of gambling company Ladbrokes, which pays 5.125 per cent, is a good offer due to the strength of the brand and the strong cash flow position of the company, according to Peter Doherty, manager of the Tideway Global Navigator bond fund. 

Richard Branson invests in Bitcoin 

Richard Branson invests in Bitcoin 

21 May 2014

Richard Branson, who has for the past year accepted Bitcoin in payment for travel on his Virgin Galactic Spaceship project, has now put his own personal money into the virtual currency.

Peer-to-peer lending: an investment you might be missing

Peer-to-peer lending: an investment you might be missing

16 Apr 2014

Times are hard for savers in the current economic climate. With interest rates still incredibly low, those who have saved for their future are being punished for the sins of others.