Savings and Pensions have 0% returns after inflation

Millions of people in long term investments have little or nothing to show for decades of saving, with one in five with endowments and pensions delivering poor returns.

Investors still have approximately £290 billion in with profit endowments, pensions and bonds, which were sold during the 1980s and 1990s as a way of getting steady, equity-like returns. The schemes, which invest in a mix of assets in good years to pay out in the bad. Read more

The Art and Science of Saving

For most of us, putting aside a fixed amount of perfectly good money each month is hard work, but the fact is you can save, even if it’s only a small amount.

No matter what your age, gender, race or professional status, you should think of saving as a fixed monthly expense, a regular part of your budget, just like your car or mortgage payments. As a rule, you should aim to save at least 5 to 10 per cent of your pay each month. Read more