#calculation

One percentage point sounds trivial until it compounds for 15 years. Here is what it could mean for your pension, and which changes are worth checking first.

Buying used is not about making do. It is about paying for the years of use you need, rather than the privilege of being first.

A raised cholesterol result is not a verdict on your diet. Here is how to read the numbers, spot possible inherited risk and decide what to ask your GP.

A pension pot can look reassuring until you turn it into decades of income. Here is how to test your retirement plan against time, tax and bad markets.

Cancel useful cover, buy the cheapest replacement, invest the difference. Then a claim or breakdown wipes out years of contributions. Which cuts actually last?

If you’re 55 and planning to retire at 65, you may have only another 120 monthly paycheques left. What you do with them could matter more than you think. For many men, the decade before retirement coincides with some of their highest-earning years. Your salary may finally be where you always hoped it would be. […]