Three months into the 2026/27 tax year is a natural checkpoint — enough time to see if your tax code, pension contributions and ISA pace are heading in the right direction, with still nine months to course-correct. Here's what to review.
NS&I Green Savings Bonds let you lock money away for 3 years with a 100% government-backed guarantee, marketed as funding environmental projects. Here's how the rate compares to a normal fixed bond and what 'green' actually means in practice.
Office sweepstakes, lottery syndicates and pooled Premium Bond purchases are common — but without a clear written agreement, disputes over winnings and unclear tax treatment can turn a fun idea into a real headache.
Some savers try to boost their odds by pooling money into one large Premium Bonds holding, or splitting one holder's bonds informally among a family or office group. Here's why the maths doesn't work the way people assume, and what actually happens to prize odds.
Premium Bonds have a headline 'prize rate' that isn't a guaranteed return, while a Cash ISA pays a known rate, tax-free. Here's how the expected returns actually compare, and who each option suits.
Regular saver accounts pay some of the highest rates on the market — often 6-7% — but only on small monthly deposits, usually capped at £200-£500/month. Here's how the maths actually works out versus a normal easy-access account.
Structured deposits promise your capital back plus a potential bonus linked to stock market performance. They sound safe, but the fine print on caps, non-payment scenarios and opportunity cost matters more than the marketing headline.
Premium Bonds pay tax-free prizes but no guaranteed return. Fixed-rate bonds pay guaranteed interest but count towards your Personal Savings Allowance. Here's how to choose in 2026.
Lottery prizes are tax-free in the UK -- but interest and investment returns on winnings are taxable. This guide explains what happens to your money after a win in 2026/27.
Should you take your pension as one lump sum or use phased drawdown? We compare PCLS, UFPLS and flexi-access drawdown for 2026/27 savers.
How to use pension carry forward in 2026/27 to contribute more than the £60,000 annual allowance. Worked examples, the tapered allowance, MPAA, and how higher rate relief works via Self Assessment.
VCTs offer 30% income tax relief on up to £200,000 per year. Find out how Venture Capital Trusts work, the risks involved, and how they compare to EIS and SEIS in 2026.
