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How to spring clean your investing Isa: Five steps to overhaul your portfolio

The annual reset of Isa allowances on 6 April makes this an opportune time to review and refresh your investments. Money experts say you should think about how your personal circumstances have changed, and whether this affects your investing goals. Even without your intervention, the performance of your investments might have made your holdings too heavily or lightly weighted in one area. Here are the steps to take to ensure your portfolio remains up to scratch.

It is offering new and existing customers £150 if they switch their current account to its reward account, which comes with perks including a generous rate.

I turned my 14-year-old son into an Isa investing fanatic who thinks about long-term

Through his Jisa, he's not just saving for the future, he's learning valuable lessons about patience, risk and long-term thinking. Alongside investment chats on the school run, we sit down twice a year - after his birthday and Christmas - to take a proper look at his portfolio. We don't play board games, we play the stock market.

How you approach paying or disputing a parking tickets depends on whether it's a penalty charge notice or parking charge notice. Here's our guide to parking fines.

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Trump tariffs trash investor confidence in the US stock market as the President targets EU

Figures from UK investment platform Hargreaves Lansdown have illustrated the sharp change in sentiment as the 'Trump bump' turns into the 'Trump slump'. The report showed investors' confidence in North America has slid by 17% this month while increasing dramatically in Europe - by 48% - and in the UK - by 16%.

The state now owns just 4.82% of the lender and wants to reduce the holding to zero by July. NatWest rose 0.7%, or 43p, to 433.6p.

US-owned Ford is axing thousands of jobs in Europe, including 2,100 in the UK, where it is led by UK boss Lisa Brankin (pictured).

Numerous reforms have been introduced over the past few years to make buildings safer following the Grenfell Tower disaster in 2017.

Pressure is building on BP chief exec Murray Auchincloss (pictured) following reports that Elliott was disappointed with his new strategy.

The drinks manufacturer expects to report underlying earnings before interest and taxes of between €76million and €78million for the 12 months ending February.

Amazon revoked my £379 gift card saying it had been reported stolen: CRANE ON THE CASE

In October 2024, I received some Amazon vouchers as a bonus from work. I tried to buy a game costing £67.49 but shortly after I received an email from Amazon saying the cards had been voided because they had been 'reported lost or stolen by the purchaser.' checked with the company that provided the gift cards and it confirmed it didn't do this, but Amazon won't budge.

Advocacy group Nugget Savings said it had been notified of errors by more than 200 women. It remains unclear how widespread the issue is.

The easy access Isa includes a 1.21% bonus rate fixed for three months, meaning that the rate will eventually drop down to 3.8% once the bonus period is up.

Jaecoo 7 SHS review: China's £35k Range Rover rival promises 745 miles of range

The Jaecoo 7 is the latest Chinese car to arrive in the UK. It's a fraction of the cost of other premium SUVs, starting from under £30k and topping out at just over £35k. But is it any good? Freda Lewis-Stempel drives it from Scotland to England to find out.

Longbow's starting price of £64,995 is less than half what the new Tesla Roadster will cost as Elon Musk's former employees look to steal a march on the US firm's electric sports car.

In terms of different EV models, numbers have grown from 37 in 2020 to a whopping 132 options by the end of 2024. It means a third of new car variants are now battery powered.

GTA creators say gaming is the key for younger generation to learn about money

Perhaps even less expected than the success seen by the GTA franchise, is that its original creators now find themselves swapping in-game sports cars and submachine guns for panels on personal finance.

The trial is expected to be rolled out across HMRC over the rest of the year, and the tax office is also looking at generative AI to point taxpayers to online advice.

I spotted an email that read, 'Congratulations: You are a winner'. I thought it was a £10 win, but when I checked the app it said I had won a prize of £10,000 given monthly for 30 years.

Five golden rules you MUST follow to build a tax-free super Isa - and maximise your

Individual savings accounts have been a prized tool for savvy savers for the past 26 years - and cash Isas are more valuable than ever. Unlike other savings accounts, you won't have to pay a penny of tax on the interest you earn on them. Currently, you get a new £20,000 tax allowance each tax year, so you can use up this year's allowance by April 5 and put in another £20,000 from April 6.

Rachel Reeves had discussed making changes or even scrapping cash Isas to push more savers into investing to boost UK markets and the economy.

More than 70,000 Jisa accounts had been maxed out in 2022-23 - up from 49,000 in 2021-22 - FOI data obtained by wealth manager RBC Brewin Dolphin reveals.

HMRC makes major change to side hustle tax and will adopt US-style snoop scheme to tackle

HMRC will no longer ask hundreds of thousands of people with side hustles to file a tax return under new plans unveiled this week. Current rules mean that anyone who earns less than £1,000 in side gigs within a tax year does not have to pay tax or declare the income, because of the Trading Allowance.

Bed & Isa activity has coolled off since the big capital gains tax changes last year, but it is still a effective way to shield investments from tax, say experts.

Britain rapidly becoming a low-cash society warns ATM network boss JOHN HOWELLS

Our job is to protect cash for as long as people need it, but it's important we don't simply protect cash for cash's sake, says Link CEO John Howells. We should be helping more people into the digital space too when they want to.

Posting his first set of results since taking over as chairman in September, Jason Tarry (pictured) said shoppers are 'responding well' to an overhaul.

There are retailers we really want to succeed. Marks & Spencer, John Lewis, and Boots are in this category as legacy firms with heritage.

The 20 most cashless cities revealed... plus the ones that are holding out

New figures from the Link network of ATMs show that, despite efforts to maintain access to cash, the total value of withdrawals has dropped significantly in every area of the country since the pandemic. However, some areas are ditching cash at a much faster rate than others.

If I ask you to do one thing this week it's to check on the interest rate of your savings account to make sure it is still fit for purpose.

My dad's neighbour wants to cut down hedges that have given him privacy for years. Can he

My father has a fence at the end of his garden. There's a new neighbour who lives on the other side of it who wants to remove the trees and hedges which have given him privacy for the past 20 years. What are his rights?

End of the line for Hornby as it becomes the latest firm to quit the London stock market

The model train maker will cancel its listing on the junior Alternative Investment Market (AIM) and become a private firm. Hornby, which is in the middle of a major transformation with the backing of Sports Direct tycoon Mike Ashley, blamed 'the regulatory burden and cost of maintaining the public quotation'.

DFS, which also owns Sofology, said it had been buoyed by solid sales and maintaining a frim grip on costs.

High-end estate agent Savills saw shares fell sharply on Thursday, despite the group unveiling higher profits and a dividend increase.

Simoes (pictured) made the remarks as City firms are being urged to back the sector amid threats to UK and European security intensifying.

The London-based firm recorded a £3m profit in 2024, compared to a £32m loss the previous year, as well as positive free cash flow of £86m.

Nationwide hands £50 bonus to members and says there could be more to come

Nationwide is dishing out £600million to eligible members as a 'big thank you' following its acquisition of Virgin Money last year. The payment scheme is separate to the lender's 2025 Fairer Share Scheme, which Nationwide said it 'hopes to announce' in May, 'depending on financial performance.'

Should I leave it to them in my will and pay inheritance tax; sell it now and give them the money, but pay capital gains tax; or leave it in a trust?

Some 53% of parents will happily accommodate grown-up offspring as swathes of young adults return to childhood bedrooms.

My house burned down while I was on holiday - when I got back my insurer claimed I'd been

John Rodger, 88, was holidaying on the Mediterranean island of Gozo when his house in rural Norfolk burnt down. Advantage Insurance disputed his claim for a payout because a fire service report found the property may have been equipped as a cannabis farm - an idea dismissed by John as a 'complete joke'.

Caroline Robinson, a lawyer at Bindmans working on the Waspi case believes it has a real chance of succeeding in a judicial review.

Pension freedoms allowed retirees to take control of their own pension savings. Markets were kind to those who kept them invested since 2015, says Ed Monk of Fidelity.

The colossal tax raid that explains why high earners say they don't feel rich: SIMON

Tempting as it may be to dismiss the chorus of high-earners complaining that they aren't rich, it's worth considering why those on double the average salary or more are moaning so much. Since Tony Blair came to power, we have seen a radical redefinition of what it means to be a higher earner and a massive stealth tax raid.

Car touchscreens 'increasingly distracting' as simple tasks can take 23 seconds to

Auto Express examined which car brands have the most complex infotainment systems. The test, which focused on how drivers interact with the systems while on the move, ranked the screens based on how distracting they can be. It found that Skoda has the easiest to use out of ten mainstream brands while a luxury manufacturer's system was found to be the most difficult to operate, with some task taking four times longer than in the Skoda model.

Exeter University's Global Systems Institute department said interest in EVs has become more 'sticky', as drivers spend increased amounts of time hunting for pre-owned battery cars.

Carpet in the bathroom, foam in the attic - the telltale signs that dream home will turn

Looking for a new home? Whether a smart urban pad, rural retreat or luxury retirement development, it is vital not to let the heart rule the head. Estate agents share their top warning signs to look out for when you visit a property to ensure that you are not investing your hard-earned cash into a giant money pit.

Owning a home and paying a mortgage is once again far cheaper than renting according to Zoopla, after high rates briefly narrowed the gap.

Chateau DIY: Win the Dream will see aspiring chateau owners compete in challenges to prove they have what it takes to win a French chateau.

My insurer won't pay out for cardiac arrest... over an earache I had 18 months ago: SALLY

I am a fit 31-year-old who unfortunately suffered a sudden cardiac arrest whilst on holiday in the US last year. When I went to make a claim on my travel insurance for the medical treatment I received, it was declined because I hadn't declared a visit to my doctor over an earache 18 months before. I am worried sick I'll be on the hook for a six-figure sum. Please help.

Why does the teachers' pension scheme keep asking if I've remarried? STEVE WEBB replies

TPS send me a letter every year asking if my circumstances have changed in respect of marriage, civil partnership, cohabiting. If they do then I will stop receiving my widow's pension. How can they possibly know what my financial circumstances are to be able to judge whether I can afford to lose this money so how can this be fair?

My battle plan to ride out the TRUMP SLUMP - and make your investments great again: JEFF

In recent days, the US stock market - a key source of investment return for investors like me and you - has been seriously rattled by the antics of gunslinger Donald Trump and his America-first approach: tariffs uber alles.

Volvo considering axing estate cars FOR GOOD: Is it the end of the road for the legendary

Volvo is looking to a future without estate cars, turning its back on what has become a 'niche' body shape that dates back 70 years in the Swedish company's heritage. With the manufacturer synonymous with the station-wagon body, traditionalists are bound to be unhappy with the move.

Porsche - where tennis star Emma Raducanu (pictured) is a global ambassador - said its profit margin this year would be between 10 and 12%.

Ownership figures show that the average age of vehicles on our roads has increased to nine years. But the city with the oldest motors has an average age of 12.

Why are water bills rising by up to 47% next month?

Awful April is just weeks away and households are bracing themselves for huge increases in their bills. While council tax and energy bills are all set to rise, the biggest price hike will come from your water bill. We explain why prices are rising and how you can cut your bill.

Demand has slumped partly due to 'international economic uncertainties', according to a report from the Royal Institution of Chartered Surveyors.

Patrick Derrane has just cancelled cover after his insurer refused to pay out when his nine-year-old schnoodle, Ted, was hit by a car, leaving him with a £1,000 bill.

Most popular stocks and funds ahead of Isa deadline - are defence stocks the new

The once-fashionable tech stocks are out while safer assets and income-focused investments are in, in response to global uncertainty. While some savvy savers are also looking to cash in on the geopolitical volatility in Europe.

These are tense times for investors. But against this nerve-jangling background, 'securonomics' provides a glimmer of optimism.

Best stocks & shares Isas: Pick the right investment account

Choosing the right DIY platform is crucial but a wealth of choice and a variety of charges can leave investors scratching their heads. We pick some of the best. We pick some of the best. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever.

Fixed mortgage rates are continuing to fall back from their summer peak, with a number of fixed rates deals now less than 5 per cent.

If you are planning on investing, or just want to know more, we tell you the 10 essential things to consider for a successful buy-to-let investment

We pick our five favourite cash Isas for savers. This is essential reading to help you choose a top savings account for your money that can also protect you from tax.

We asked trusted experts to recommend the best funds that cover different investment sectors - and included This is Money's selection of active and passive options too.

Premium Bonds Winners

Prize Area Value of bond
£1,000,000 Cumbria £35,000
£1,000,000 Cleveland £100
£100,000 Highlands And Islands £5,000
£100,000 Leicestershire £1,289
£100,000 Hertfordshire £50,000
£100,000 Kent £50
£100,000 Sefton £10,000
£100,000 Leicestershire £50,000
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