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How to never pay higher-rate tax (even if you earn £90,000 a year)

One in ten adults will soon being paying 40pc tax

Institute for fiscalFiscal studiesIncome taxRishi sunakAutumn budget 2021

Private sector pay rises outstrip civil servants but pensions keep them on top

Private sector pay is rising faster but gold-plated pensions give public workers the edge

Office for national statisticsNational statisticsJobs and employmentUk economyConsumer affairs

Money Makeover: Should I sacrifice early retirement to buy a house now?

First-time buyer Harry Smeeden wants to retire at 60

Mashonaland eastNick onslowWarren buffettHarry smeedenElena patelCru groupAtom bankLifetime isaInvesco summitMoney makeoverState pensionFirst time buyersBuying property

In your 50s or 60s? Your perfect financial plan for retirement

A comfortable retirement requires careful planning

George osborneEg generalFinancial planning for retirementPensions and retirement

A Royal Navy engineer takes on his daughter – whose investments are shipshape?

Rate my portfolio: our experts help a Royal Navy engineer managing an Isa and his daughter's Junior Sipp

United statesUnited kingdomJames calderJessica ayresTimothy jamesBaillie giffordAlan rowsellAugmentum fintechRoyal navyMiton global smaller companiesGlobal smaller companiesFidelity asian smaller companiesInternational biotechnologyJunior sippScottish mortgageInternational biotechnology trust

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