Ruth Emery
Ruth is passionate about helping people feel more confident about their finances. She was previously editor of Times Money Mentor, and prior to that was deputy Money editor at The Sunday Times.
A multi-award winning journalist, Ruth started her career on a pensions magazine at the FT Group, and has also worked at Money Observer and Money Advice Service.
Outside of work, she is a mum to two young children, a magistrate and an NHS volunteer.
Latest articles by Ruth Emery
-
Revealed: the countries with the most generous pensions
The UK state pension is often criticised for failing to deliver a comfortable retirement. So, how does our pension system compare to other countries - which countries are most generous, and at what age can you claim a state pension?
By Ruth Emery Published
-
Stop inheritance tax perk on pensions, says IFS
The government could raise billions of pounds in revenue by closing inheritance tax loopholes, such as on pensions and AIM shares. Is your pension at risk?
By Ruth Emery Published
-
Annuity rates rise 6.5% over past year - is now a good time to buy one?
Advice Annuities are back in fashion, with sales leaping 46% last year, and annuity rates rising 6.5%. But with interest rates forecast to fall, what sort of value can you get from an annuity, and should pension savers buy one?
By Ruth Emery Last updated
Advice -
What's happening to UK mortgage rates?
Mortgage rates have gone up again after UK inflation came in higher than the Bank of England had expected. Here's what the situation could mean for you.
By Ruth Emery Last updated
-
First-edition vintage books worth up to £140,000 – is one on your bookshelf?
First-edition vintage books are driving prices higher – collectors will pay up to £140k for rare editions. Is it time to dust off your old bookshelves?
By Ruth Emery Last updated
-
Review: Three magnificent Beachcomber resorts in Mauritius
MoneyWeek Travel Ruth Emery explores the Indian Ocean island from Beachcomber resorts Shandrani, Trou aux Biches and Paradis
By Ruth Emery Published
MoneyWeek Travel -
RBS to close a fifth of branches
Royal Bank of Scotland plans to shut 18 branches across Scotland, resulting in the loss of 105 jobs. We have the full list of closures.
By Ruth Emery Published
-
State pension warning as families opting out of child benefit hits record high
Up to one million parents could be losing out on £6,500 in retirement because they have opted out of receiving child benefit.
By Ruth Emery Published
-
What is inflation and how does it affect you?
Explainer Inflation has tumbled over the past year, but remains above the Bank of England's target. So, what is it - and how does it affect your personal finances?
By Ruth Emery Last updated
Explainer -
10 ways to cut the cost of car hire
Tips There are lots of ways to trim your holiday car hire bill and pre-empt unpleasant surprises. Here's our checklist to save money and avoid common car rental pitfalls.
By Ruth Emery Last updated
Tips -
How to get an ISA and SIPP cashback bonus
Tips Here are the best bonus deals available, with some providers giving away as much as £2,500 in cashback for opening or transferring an account.
By Ruth Emery Last updated
Tips -
Revealed: the investment platforms that pay less than 2% interest on cash holdings
News Do you know how much interest the cash balance in your investment portfolio, ISA or pension earns? We lift the lid on the best and worst interest-payers - and what you can do about it.
By Ruth Emery Last updated
News -
5 UK pension changes you should know about in 2024
This year is shaping up to be a big one for pensions, with the Conservatives and Labour competing to attract pensioner votes. Here's how it will impact pension savers or retirees.
By Ruth Emery Last updated
-
ISA guide: everything you need to know for the 2024/25 tax year
In our ISA guide, we explain everything you need to know about ISAs: how they work, how much you can pay in, what investments you can hold, and how to transfer one.
By Ruth Emery Last updated
-
Five ISA changes that have come in with the new tax year 2024/25
ISAs have turned 25-years-old. To celebrate, several changes have come into force, bringing more flexibility and investment choices for savers.
By Ruth Emery Last updated
-
New tax year changes: how much will you have to pay in 2024/25?
The new tax year started on 6 April, 2024. We look at how taxes and allowances are changing and how they will affect you.
By Ruth Emery Last updated
-
4 tax tips for the Bank of Mum and Dad for the new tax year
If you are a parent or grandparent wishing to gift money in a tax-efficient way, here are a few tips to consider.
By Ruth Emery Last updated
-
Checklist: 10 easy moves to save you money before the end of the 2023/24 tax year
Tips The end of the 2023/24 tax year is fast approaching. We’ve put together an action plan so you can maximise valuable tax breaks and allowances before they disappear at midnight on 5 April
By Ruth Emery Last updated
Tips -
Premium Bonds: how do prize winners get notified - and who is Agent Million?
With the April draw revealed, how do Premium Bond winners get notified, how do the winnings get paid, and who exactly is NS&I's Agent Million?
By Ruth Emery Last updated
-
Is now a good time to buy a house?
Advice Is now a good time to buy a house? That’s something many people might be asking amid lower house price growth and relatively cheaper mortgage rates.
By Ruth Emery Last updated
Advice -
Revealed: UK’s biggest ISAs stand at more than £11.6 million each
The top 25 ISAs are worth an average of £11,660,000 each, according to HMRC data - bigger than the country’s largest pension pot. We uncover the secrets of the ISA millionaires.
By Ruth Emery Published
-
Childcare crisis deepens as costs rise 7%
The availability of places at nurseries and childminders has worsened, while the average part-time nursery place for a child under two has increased to £158 a week
By Ruth Emery Published
-
£50 billion in pension savings estimated to be lost
Analysis by the Centre for Economics and Business Research reveals that one in five workers believe they have lost a pension pot, with the total number of lost pots likely to rise sharply due to more frequent job switching. Are you at risk?
By Ruth Emery Published
-
Nationwide strikes deal to buy Virgin Money - what does it mean for customers?
Nationwide Building Society has reached an agreement to buy Virgin Money for £2.9 billion. But what does the takeover mean for customers, branches and products?
By Ruth Emery Published