Section · 3 articles

Savings & investing

What savings accounts really pay, what fund charges cost over the years, and how families can save for a child.

A woman of about fifty slides a sheet of paper into a ring binder at a small desk in her hallway.

Doing the sums Why a regular saver’s headline rate is not the interest you end up with

Regular savings accounts often advertise the best rates on the market, but the money goes in month by month. A worked example shows how much interest a year of deposits really earns.

2 November 2026 · 5 min read

Doing the sums What a fund’s yearly charge adds up to over twenty years A charge of one per cent a year sounds small. Taken from the whole pot every year, it compounds just as returns do. An illustrative table over twenty years. 2 November 2026 · 5 min read

A man in his early sixties with reading glasses reads a booklet in an armchair by a bay window.

Explainer How grandparents can help fill a child’s Junior ISA Only a parent or guardian can open a Junior ISA, but anyone can pay into it. How family contributions work, the £9,000 limit for 2026/27, and what happens when the child turns 18. 2 November 2026 · 6 min read

A grandfather and his granddaughter plant seedlings in terracotta pots on a garden patio.

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