Tom Selby

London

Financial Journalist at The i Paper

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Articles

'Will Britain's state pension still exist when I retire in 30 years?'

3 days ago | telegraph.co.uk | Tom Selby

To get the full state pension, you need a 35-year National Insurance record, while you need a 10-year record to qualify for any state pension at all. For every year missing from your National Insurance record - which you can check online on the government site - a deduction will be made from your entitlement.
Should I de-risk my pension given the stock market turmoil?

1 week ago | inews.co.uk | Tom Selby

In our weekly series, readers can email in with any question about retirement and pension savings to be answered by our expert, Tom Selby, director of public policy at investment platform AJ Bell. There is nothing he does not know about pensions. If you have a question for him, email us at [email protected]. Question: The stock market turmoil of the last two weeks has made me finally bite the bullet and take a look at my pension investments.
I've realised my retirement age is 67

1 week ago | thetimes.com | Tom Selby
I will not get the full state pension - what can I do about it?

2 weeks ago | inews.co.uk | Tom Selby

In our weekly series, readers can email in with any question about retirement and pension savings to be answered by our expert, Tom Selby, director of public policy at investment platform AJ Bell. There is nothing he does not know about pensions. If you have a question for him, email us at [email protected]. Question: I have reviewed my state pension summary through the government website and am due to start receiving my pension towards the end of 2034.
Can I use my pension to become a landlord?

3 weeks ago | thetimes.com | Tom Selby
How can I start planning for the 2027 inheritance tax raid on pensions?

3 weeks ago | inews.co.uk | Tom Selby

In our weekly series, readers can email in with any question about retirement and pension savings to be answered by our expert, Tom Selby, director of public policy at investment platform AJ Bell. There is nothing he doesn’t know about pensions. If you have a question for him, email us at [email protected].
How to help clients maximise the Isa’s full potential

1 month ago | ftadviser.com | Tom Selby |AJ Bell |Robin Fieth |Holly Mackay

Isas have been a useful saving strategy for millions of people. For 26 years, since their introduction in 1999, Isas have given people the opportunity to save every tax year, a benefit to which many Britons have subscribed. Recent data from HM Revenue & Customs has said the value of tax relief provided to cash Isa savers rose from £70mn in 2021/22 to £2.1bn in 2023/24.
What can advisers expect from Spring Statement 2025?

1 month ago | ftadviser.com | Mike Ambery |Tom Selby |AJ Bell

Chancellor Rachel Reeves will deliver her Spring Statement this week and tax thresholds have been placed firmly on the agenda, while large changes to pension are unlikely to appear. Some experts predicted the government could continue to tax by ‘stealth’ by extending the freeze on income tax thresholds beyond 2028. Back in October, Reeves said she would end the freeze of the thresholds - introduced by the previous Conservative government - and raise them in line with inflation from 2028.
Is there any danger of a cut to pension credit in Labour's welfare plans?

1 month ago | inews.co.uk | Tom Selby

In our weekly series, readers can email in with any question about retirement and pension savings to be answered by our expert, Tom Selby, director of public policy at investment platform AJ Bell. There is nothing he doesn’t know about pensions. If you have a question for him, email us at [email protected]. Question: I currently receive a relatively small top-up to my income through pension credit.
Spring Statement 2025: is Isa reform on the cards?

1 month ago | ftadviser.com | Tom Selby

Chancellor Rachel Reeves will deliver her Spring Statement next week and while it is meant to be a small update, there is mounting speculation that Isa reforms have been placed firmly on the agenda. Treasury minister Emma Reynolds has questioned the tax incentives provided for saving in cash Isas and some spokespeople have urged for Isa simplification to be discussed. So could Isa reform be on the cards?