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Savings

March 2025

  • a multipronged road sign showing directions for Isas, stocks/shares and property

    No cash Isa shake-up in spring statement, but Reeves still considering cuts

    Reduction in maximum amount from £20,000 to £4,000 understood to be longer-term aim for chancellor
  • Investment options UK

    Don’t cut cash Isas – they’re our refuge in an uncertain world

    Letters: The government and the City want to push regular savers into risky investments, but we’re right to be wary, says David Redshaw
  • Close-up of British coins and banknotes

    Cash Isas: pressure grows against rumoured move to £4,000 allowance

    Research shows strong support for keeping tax-free accounts in their current form with £20,000 annual limit

February 2025

  • Scrabble board with the words Cash Shares ISA

    Cash Isa providers fail to offer savers benefits of more flexible rules

    While they offer attractive interest rates, many providers won’t let savers open a second Isa account in the same tax year
  • Rachel Reeves makes a pointing gesture as she speaks

    Savings providers vow to fight any attempt to cut cash Isa limit to £4,000

    Rachel Reeves understood to be considering proposal to reduce annual allowance from current £20,000
    • UK savers urged to ‘act now’ and shake off their Isa apathy

    • Nationwide warns Reeves against cutting tax breaks on cash Isas

    • What does the Bank of England interest rate cut mean for mortgages and savings?

January 2025

  • A woman looking at her laptop, surrounded by circler or bubbles containing different interest rates and terms

    Confused about savings? This is the ideal time to take an interest

  • Money Hacks: building financial resilience

    Money hacks
    Start saving, budget and think long term: how to build financial resilience

  • A European tree frog

    Brief letters
    Hitchhiking frog article hopped over a crucial detail

  • Observer money and finance advice illustration by Simone Massoni.

    Be right on the money: four ways to fix your finances in 2025

  • Expert tips on getting UK self-assessment tax returns right

  • Is the lifetime Isa no longer fit for purpose?

  • What the bond market turmoil means for your mortgage, pension and savings

  • Brief letters
    Cash in the cupboard for life’s essentials

December 2024

  • Model people standing and sitting on a pile of coins and notes

    ‘Hopefully, I’ll pay off my Covid debt’: what Britons want for their finances in 2025

    From taking time off with a newborn to buying a small home, readers reveal their wishlist for the new year

November 2024

  • Gina Miller outdoors, looking up at something above the camera

    Gina Miller’s call to women: invest, and fight back against financial abuse

    The activist and businesswomen is campaigning to raise awareness of the ‘gender pension gap’ and the importance of having one’s own money
  • Neil Woodford speaking

    More than 5,000 Woodford investors now suing Hargreaves Lansdown

    Claims management company expects claims over collapsed Neil Woodford fund to exceed £200m
  • Array of pink piggy banks on pink background. Illustration of the concept of personal savings and financial investment

    UK interest rates are falling – but it’s not too late to find deals that pay

    The peak may have passed, but inflation-beating returns are still available if you’re quick. Here are the highest yielding and safest options
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