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Escape the motherhood penalty, teenage investors and 'best buy' investment lists

Having a baby is one of the best things that could happen in your life - but sadly it could also be the worst thing that could happen to your finances. We discuss the effects of the gender pay gap. Plus FT Money editor Claer Barrett talks to guests about what kind of investor Adrian Mole could have grown into. And what could happen to the 'best buy' lists used by fund supermarkets in the wake of the Woodford scandal?

 

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Election planning for your finances, digital tax returns and balancing your budget

Taxing questions ahead of the General Election - as the spending pledges of the major parties add up, how might the tax rules change to pay for it all? Presenter Claer Barrett talks to Nimesh Shah, a partner at Blick Rothenberg to get the answers. Plus, if you’re already dreading your annual tax return, would you prefer it if computers did it for you? Chris Giles, the FT’s economics editor, has been probing the future shift toward personal tax accounts that could deduct what you owe in real time! And finally, Becky O'Connor from Royal London tells listeners about a host of savings tips and tricks that could help you balance your own budget. 

 

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How to find a financial adviser, general election planning for your finances and the rise of the 40 year mortgage

How to find a financial adviser - a relationship with an adviser you can trust is something that FT readers often tell us is hard to come by. FT Money editor Claer Barrett talks to Damian Fantato, deputy editor of FT Adviser about the solution. Plus, with less than a month to go until the general election, financial advisers tell us they are getting calls from a lot of worried clients - we discuss what's troubling them. And finally, the rise of the 40-year mortgage - Paul Lewis, presenter of BBC Moneybox is here to share his own worries about extra long hours.

 

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What happens to our digital assets and online accounts when we die?

Have you ever counted how many online accounts you have? Do you listen to music on Spotify, upload your pictures to the cloud or hold your savings in an online bank account? If the answer is yes to any of these questions you should consider what happens to these assets when you die. On this week's FT Money show presenter Lucy Warwick-Ching delves into the world of digital legacies - from Facebook to cryptocurrencies. She talks to Angharad Lynn of VWV, James Norris of the Digital Legacy Association and Ian Bond of the Law Society about the rise of digital wills and end of life planning companies.

 

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The general election and your finances, the gender pensions gap and our love/hate relationship with cash

The general election and your finances - with a week to go, what changes could the major parties bring in? Presenter Claer Barrett talks to Rachael Griffin, a tax expert at Quilter, about the pledges. Next up on the show if you're self employed, have you got a pension? A third of self-employed women say they are saving nothing into a pension. Blogger Emma Maslin, better known as the Money Whisperer, has lots to say on this topic. And finally - they might say it's vulgar to talk about money, but James Max, our Rich People's Problems columnist is here to explain why he loves cash.

 

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You’ve made a financial mistake - now what

2019 has been a bumper year for bad investments - the unravelling of Neil Woodford's investment empire has left many nursing heavy losses, others have lost money in mini bonds or have money trapped in property funds. Presenter Claer Barrett talks to experts about what people should do if their investments haven't worked. Plus, as we enter the season of goodwill we tell listeners how to talk to their family about money.  

 

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Pensions tax relief, Winter fuel allowance and Britain's house prices

Is time running out for pensions tax relief? Chancellor Sajid Javid is reported to be considering a major shake-up of pensions at the Budget in a months time. The FT's pensions correspondent Josephine Cumbo talks to FT Money editor Claer Barrett about what form this could take. Next up, we debate the value of the Winter Fuel Allowance for wealthy pensioners. And finally, our resident property guru James Pickford on how the next property cycle could turn out. 

 

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Campaign for clear pension charges, how the coronavirus has hit stock markets and coal fires

Join our campaign for clear pension charges - FT Money has been exploring the impossibility of comparing the costs of drawdown plans. The FT is calling on the pensions and advise industry to be transparent about charges to help people to shop around. In this week's show, FT Money Show presenter Claer Barrett interviews o the FT's pensions expert about our campaign. Next up, the spread of the coronavirus has given world stock markets a nasty turn - FT Moneys' new investment reporter, Madison Darbyshire, talks about how investors are reacting. And finally, to cheer listeners up a bit - James Max, our Rich People's Problems columnist is here to discuss a burning issue - the government's proposed ban on coal fires. 

 

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Individual Savings Accounts - could these tax free wrappers take over from pensions as our preferred savings vehicle?

Could Isas overtake pensions as the UK's tax-saving vehicle of choice? The tax benefits of pensions have been steadily eroded over the past decade but at the same time, Isas have been coming into their own. Most people approaching retirement today will rely on a combination of pensions and Isa income. In this week's show, FT Money Show presenter Claer Barrett takes a break from covering the coronavirus and what it means for your money, and interviews the FT's Money Mentor columnist about why investors like Isas so much and how these investments compare to pensions. 

 

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South Africa’s central bank slashes rates to post-apartheid low

Reduction is second in under a month as country braces for an extended coronavirus lockdown




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Former Zambian finance ministers and officials push for IMF deal

President urged to secure rescue deal as economy ‘on verge of collapse’




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Emerging economies call for more financial help after G20 deal

Middle-income countries plead for assistance as investors face pressure to negotiate




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Ramaphosa prepares to reopen South African economy gradually

Five-week shutdown to be eased stage by stage according to a series of rolling levels  




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Covid-19 focus threatens precarious malaria progress

Pandemic could set back the fight against malaria by 20 years, with Africa hit worst




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How to tackle malaria, by a sufferer turned scientist

Local drug research and joined-up thinking are needed to deliver results on the ground




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Coronavirus stalks world’s refugees as shutdowns disrupt aid

Plea for increased humanitarian help has gone unanswered and funding is set to be cut further




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Millennial v Boomer: young generation wants radical feedback

Newer employees like their appraisals upfront and often




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We need to know what female execs are paid

Putting women on boards was just the first step




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Wales, it is time to fire up your job creation turbo engine

Wales is getting it right on job creation if you ask me and Aston Martin




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How to pick the perfect global event — and shoes

Which conferences are worth your time and money? Here’s how to decide




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Millennial v Boomer: Young staff like to share, up to a point

One says employees want to be untethered while the other believes they dream of buying a home




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Millennial v Boomer: young workers and EU

Debate: One says youthful staff want to remain in the EU, the other fears apathy




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How to take down walls and build a strategic network

Why women must conquer their fear of networking and do it anyway




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Millennial v Boomer: Are tears a crying shame for CEOs?

Debating about whether it is ever OK to become emotional in the office




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Iceland football boss — part-time dentist

Adding a sporting dimension to your career can be therapeutic




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Why Mr Merlot is key to the present state of Italian wine

How Carlo Ferrini went from top consultant to being awarded winemaker of the year three times




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Can Mâconnais wines rival the best burgundy?

A retrospective tasting of Jean-Marie Guffens’ exceptionally nervy creations suggests so




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Why should wine taste like minerals?

‘Minerality is a character that has nothing to do with anything fruity, veggy, oaky, flowery or spicy’




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Valtellina: the pinnacle of fashion

‘The only problem with these elegant Nebbiolos is that they can be difficult to find’




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Jancis Robinson on Anderson Valley, California

It was only when champagne producer Louis Roederer arrived in the early 1980s that this hippy hideout was put on the international wine map




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The definition of natural wine

‘To qualify as a Vin Méthode Nature, a wine has to be made from hand-picked organic grapes’




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US daily fatalities drop below 1,000 for first time in month

Death toll falls in part because of sharp decline in New York state




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US begins national security probe of electrical grid imports

Commerce department investigation could lead to new tariffs on transformer parts




al

Five claims from US health official behind whistleblower suit

Rick Bright alleges government ignored coronavirus warnings and engaged in ‘cronyism’




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Cineworld joins AMC in banning films from Universal Studios

Second largest cinema chain sides with rival in spat over movie release




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The future of books — rise in digital publishing and social media

How is the crisis changing our reading habits and accelerating the industry’s digital revolution?




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Premier League sought action on Saudi piracy claims before Newcastle deal

English football’s top division wrote to US government over Saudi’s alleged illegal screening of matches




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Why Silicon Valley is surviving the pandemic ad crash

Facebook and Google show resilience through the crisis thanks to uptick in ‘direct response’ ads




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Meghan Markle loses first round of legal battle

High Court rules some allegations against Associated Newspapers should be struck out




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Liberty Global in talks to merge Virgin Media with O2

Proposed deal would create strong UK competitor to challenge BT




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Half of online ad spending goes to industry middlemen

Study shines light on ‘near impenetrable’ £100bn market




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Tax tribunal struggling to cope with remote hearings, lawyers say

Disputes backlog in ‘under-resourced’ lower court reached 27,280 last quarter




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The top FT stories read by the legal world in the coronavirus lockdown

Litigation battles, fear turns to lawsuits, and a data security flaw




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We need to talk about pensions

Better education about retirement benefits is crucial at any age




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Six ways to manage money — and not fall out with your partner

Couples share how they divide their incomes and outgoings — and joint accounts are falling out of favour




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Loyalty cards: how to make the most of them

Savvy shoppers game the system to collect the maximum amount of points




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How is your financial wellbeing?

A healthy salary does not always prevent problems, says the FT’s personal finance editor




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Could Alexa, Siri and Google make us smarter savers?

Smart speakers don’t yet have the skills to




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Play trick or treat with your finances this Halloween

Spookily effective savings tips if your money has vanished by the end of the month




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My general election money manifesto

The next government should meddle less and encourage more of us to save