Editor's Comment

Editor’s Comment: buylists can be helpful, but know what you’re looking at

Around 3,000 funds are listed in the Investment Association’s sector classifications and are readily available to private investors, so it’s easy to understand why many people trying to set up or add to a portfolio may feel like rabbits in the headlights, overwhelmed by far too much choice. And that’s before you throw in another 400-plus investment trusts and the ever-expanding universe of ETFs tracking market indices or ‘weighted’ versions of them.

Editor's Comment: new twist in women's battle over state pension age hikes

If you’re in your early 60s and looking forward to retirement, the past couple of months have hardly been a time for celebration of the approach of your golden years – indeed, quite the opposite. On 6 November 2018, the state pension age (SPA) for men and women was briefly equalised as women’s SPA rose to 65. It’s the latest hike in a series of adjustments that started in 2010 and were accelerated in 2011, designed to bring men and women into line in state pension terms.

Editor’s Comment: sit out a crash – if you don’t need cash

The 10-year anniversary of the collapse of Lehman Brothers, which precipitated the global financial crisis in mid-September 2008, has provided a great opportunity for the financial services industry’s statistics geeks to wheel out some impressive figures demonstrating the power of long-term equity investment to dull the pain of market crashes – and the extent of people’s capacity to be wise after the event.

Editor's Comment: Lifetime Isa won't be missed

The Lifetime Isa (Lisa) has been surrounded by controversy ever since its adoption in April 2017. It’s the seventh member of the Isa family, and one that appears to have been set up specifically to squabble not only with at least one of its siblings, but also with its pension cousins just down the road.

Editor's Comment: Finding a cure for pension apathy

July 23, 2018

More than three years have passed since George Osborne announced a raft of pension freedoms leaving us in charge of our own financial destinies for retirement. Now, a review by the Financial Conduct Authority, focusing on consumers who have not taken professional advice, has revealed how we’re getting to grips with our new opportunities and responsibilities.

Editor's Comment: Investors shouldn’t take the hit when a broker goes bust

We have run queries on the letters pages of previous issues of Money Observer from readers concerned about the safety of the investments they hold on broker platforms in the event of their broker going to the wall. We’ve reassured them that rules set out by the Financial Conduct Authority (FCA) mean their funds (and cash) must be held in a separate nominee account that cannot be raided by a broker or its creditors if the firm goes out of business.

Editor's Comment: Password pain will one day be a thing of the past

Passwords. We all know they have to be there to keep the data we put online safe – but everyone hates them, and as more and more aspects of our lives have become digitally governed, the problems they bring have got worse. Not only do we need them for growing numbers of accounts, but there’s increasing pressure to make them more secure by introducing kooky characters or making them longer or more random.