savings Archives - Pounds and Sense https://www.poundsandsense.com/tag/savings/ A UK blog covering personal finance and much more from an over-60 perspective Thu, 28 Aug 2025 11:06:51 +0000 en-GB hourly 1 https://wordpress.org/?v=6.9.1 https://www.poundsandsense.com/wp-content/uploads/2016/11/coffeespecs-150x150.png savings Archives - Pounds and Sense https://www.poundsandsense.com/tag/savings/ 32 32 Dividend Investing vs Total Return: Which Works Best for Income Investors? https://www.poundsandsense.com/dividend-investing-vs-total-return-which-works-best-for-income-investors/?utm_source=rss&utm_medium=rss&utm_campaign=dividend-investing-vs-total-return-which-works-best-for-income-investors https://www.poundsandsense.com/dividend-investing-vs-total-return-which-works-best-for-income-investors/#respond Thu, 28 Aug 2025 11:00:06 +0000 https://www.poundsandsense.com/?p=13749 As we move into our 50s and beyond, many of us start to shift focus from building wealth to drawing income from our investments. But when it comes to generating that income, there are two main approaches investors tend to consider: dividend investing and a total return strategy. Both can work, but they operate on […]

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]]> https://www.poundsandsense.com/dividend-investing-vs-total-return-which-works-best-for-income-investors/feed/ 0 What Are ETFs and How Can You Invest in Them? https://www.poundsandsense.com/what-are-etfs-and-how-can-you-invest-in-them/?utm_source=rss&utm_medium=rss&utm_campaign=what-are-etfs-and-how-can-you-invest-in-them https://www.poundsandsense.com/what-are-etfs-and-how-can-you-invest-in-them/#comments Wed, 28 May 2025 09:20:30 +0000 https://www.poundsandsense.com/?p=13408 Today I am focusing on Exchange Traded Funds, or ETFs for short. These have become increasingly popular among investors seeking a simple, low-cost way to build diversified portfolios. But what exactly are ETFs, and how can you invest in them, especially in a tax-efficient way? What Is an ETF? An ETF is a type of […]

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]]> https://www.poundsandsense.com/what-are-etfs-and-how-can-you-invest-in-them/feed/ 2 Could You Benefit From Help to Save? https://www.poundsandsense.com/could-you-benefit-from-help-to-save-2/?utm_source=rss&utm_medium=rss&utm_campaign=could-you-benefit-from-help-to-save-2 https://www.poundsandsense.com/could-you-benefit-from-help-to-save-2/#respond Mon, 19 May 2025 13:58:12 +0000 https://www.poundsandsense.com/?p=13381 Today I’m spotlighting a lesser-known government scheme which, if you’re eligible, can give your finances a valuable boost. Help to Save is an initiative aimed at helping people on low incomes build up their savings. Offering generous tax-free bonuses, this scheme can provide significant benefits for qualifying individuals.  Here’s everything you need to know. What […]

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]]> https://www.poundsandsense.com/could-you-benefit-from-help-to-save-2/feed/ 0 Why Now Could Be the Ideal Time to Take Advantage of Your New Tax-Free ISA Allowance https://www.poundsandsense.com/why-now-could-be-the-ideal-time-to-take-advantage-of-your-new-tax-free-isa-allowance/?utm_source=rss&utm_medium=rss&utm_campaign=why-now-could-be-the-ideal-time-to-take-advantage-of-your-new-tax-free-isa-allowance https://www.poundsandsense.com/why-now-could-be-the-ideal-time-to-take-advantage-of-your-new-tax-free-isa-allowance/#respond Mon, 28 Apr 2025 10:03:29 +0000 https://www.poundsandsense.com/?p=11947 As of 6 April 2025, UK investors have a fresh chance to supercharge their savings and investments with a new £20,000 Individual Savings Account (ISA) allowance. ISAs represent a golden opportunity for investors to make their money work harder while shielding their returns from the taxman. With tax-free allowances for income frozen until April 2028 […]

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