Building wealth
Savings, pensions, ISAs and investing, explained for the long game.
- Build wealthThe ISA allowance explainedThe £20,000 limit, the four types, why unused allowance is lost each 6 April, and the 2026/27 figures, in plain English.7 min read
- Build wealthJunior ISA explainedThe £9,000 allowance, cash vs stocks and shares, who can pay in, and when the child gets the money, in plain English.7 min read
- Build wealthCash ISA vs stocks and shares ISARisk, return, access, fees and tax compared, a simple rule by time horizon, and why you can hold both inside one £20,000 allowance.8 min read
- Build wealthLifetime ISA explained: the bonus, the rules and the catchThe 25% government bonus, who a LISA actually suits, and the withdrawal charge that can leave you with less than you paid in.7 min read
- Build wealthWhat is a good rental yield?How to work out gross and net yield, what counts as a good return, and how to improve it.6 min read
- Build wealthHow pensions workWorkplace vs personal pensions, the tax relief that tops up what you pay in, and how a pot grows over time.9 min read
- Build wealthHow compound interest worksEarning interest on your interest, why time matters most, and how compounding frequency changes the result.7 min read
- Build wealthHow savings growHow paying in regularly, interest and time build a pot, what AER means, and whether your savings beat inflation.7 min read
- Build wealthSaving for a goalWork backwards from your target and date to the monthly amount, allowing for a head start and the interest you earn.6 min read
- Build wealthHow inflation affects your moneyHow rising prices eat the value of money, the difference between real and nominal, and what it takes to keep pace.6 min read
- Build wealthTracking your net worthAdd up what you own, subtract what you owe, and track the one number that shows your financial progress.6 min read
- Build wealthAverage net worth by age in the UKThe latest ONS median household wealth for every age band, what the figures include, and how to see where you stand, in plain English.8 min read
- Build wealthWhat is FIRE?Financial independence, retire early: the 4% rule, how to work out your FIRE number, and how long it might take.8 min read