Money Guides - The Telegraph

<!DOCTYPE html> <html lang="en" class="indexRendererHTML no-js"> <head> <meta charset="UTF-8"/> <meta name="viewport" content="width=device-width, initial-scale=1, user-scalable=yes"/> <meta name="apple-itunes-app" content="app-id=388947468"/> <title>Money Guides - The Telegraph</title> <script defer="defer" type="text/javascript" src="/.rum/@adobe/helix-rum-js@%5E2/dist/rum-standalone.js"></script> <link rel="dns-prefetch" href="//polyfill-fastly.io"/> <link rel="dns-prefetch" href="//static.telegraph.co.uk"/> <link rel="dns-prefetch" href="//assets.adobedtm.com"/> <link rel="dns-prefetch" href="//experience.tinypass.com"/> <link rel="dns-prefetch" href="//cdn.petametrics.com"/> <link rel="dns-prefetch" href="//telegraphmedia.bootstrap.fyre.co"/> <link rel="preload" as="font" crossorigin="crossorigin" type="font/woff2" href="/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/ui/dist/static/resources/fonts/austin-news-uprights-vf-basic-web.woff2"/> <link rel="preload" as="font" crossorigin="crossorigin" type="font/woff2" href="/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/ui/dist/static/resources/fonts/Telesans-Text-Web-Regular.woff2"/> <link rel="preload" as="font" crossorigin="crossorigin" type="font/woff2" href="/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/ui/dist/static/resources/fonts/doric-news-uprights-vf-basic-web.woff2"/> <link rel="shortcut icon" type="image/x-icon" sizes="16x16" href="/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/core/resources/icons/favicon.ico"/>  <link rel="icon" type="image/svg+xml" href="/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/core/resources/icons/favicon.svg"/> <link rel="icon" sizes="196x196" href="/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/core/resources/icons/favicon-196x196.png"/> <link rel="apple-touch-icon" sizes="180x180" href="/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/core/resources/icons/apple-touch-icon-180x180.png"/>  <link rel="mask-icon" href="/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/core/resources/icons/favicon.svg" color="#333333"/> <meta name="msapplication-TileColor" content="#2c769d"/> <meta name="msapplication-TileImage" content="/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/core/resources/icons/mstile-144x144.png"/>  <meta name="msapplication-tooltip" content="The Telegraph"/> <meta name="msapplication-config" content="/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/core/resources/icons/browserconfig.xml"/> <meta name="msapplication-square310x310logo" content="/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/core/resources/icons/mstile-310x310.png"/> <meta name="msapplication-wide310x150logo" content="/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/core/resources/icons/mstile-310x150.png"/> <meta name="msapplication-square150x150logo" content="/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/core/resources/icons/mstile-150x150.png"/> <meta name="msapplication-square70x70logo" content="/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/core/resources/icons/mstile-70x70.png"/> <meta name="theme-color" content="#ffffff"/> <script>(()=>{"use strict";var e,r={},t={};function o(e){var n=t[e];if(void 0!==n)return n.exports;var i=t[e]={exports:{}};return r[e].call(i.exports,i,i.exports,o),i.exports}o.m=r,e=[],o.O=(r,t,n,i)=>{if(!t){var l=1/0;for(s=0;s<e.length;s++){for(var[t,n,i]=e[s],a=!0,u=0;u<t.length;u++)(!1&i||l>=i)&&Object.keys(o.O).every((e=>o.O[e](t[u])))?t.splice(u--,1):(a=!1,i<l&&(l=i));if(a){e.splice(s--,1);var f=n();void 0!==f&&(r=f)}}return r}i=i||0;for(var s=e.length;s>0&&e[s-1][2]>i;s--)e[s]=e[s-1];e[s]=[t,n,i]},o.n=e=>{var r=e&&e.__esModule?()=>e.default:()=>e;return o.d(r,{a:r}),r},o.d=(e,r)=>{for(var t in r)o.o(r,t)&&!o.o(e,t)&&Object.defineProperty(e,t,{enumerable:!0,get:r[t]})},o.g=function(){if("object"==typeof globalThis)return globalThis;try{return this||new Function("return this")()}catch(e){if("object"==typeof window)return window}}(),o.o=(e,r)=>Object.prototype.hasOwnProperty.call(e,r),o.r=e=>{"undefined"!=typeof Symbol&&Symbol.toStringTag&&Object.defineProperty(e,Symbol.toStringTag,{value:"Module"}),Object.defineProperty(e,"__esModule",{value:!0})},(()=>{var e={8:0};o.O.j=r=>0===e[r];var r=(r,t)=>{var n,i,[l,a,u]=t,f=0;if(l.some((r=>0!==e[r]))){for(n in a)o.o(a,n)&&(o.m[n]=a[n]);if(u)var s=u(o)}for(r&&r(t);f<l.length;f++)i=l[f],o.o(e,i)&&e[i]&&e[i][0](),e[i]=0;return o.O(s)},t=self["tmg.build"]=self["tmg.build"]||[];t.forEach(r.bind(null,0)),t.push=r.bind(null,t.push.bind(t))})()})();"use strict";(self["tmg.build"]=self["tmg.build"]||[]).push([[886,2,209],{414:(t,e,i)=>{i.d(e,{Z:()=>a});var r=i(453);class s{constructor(t){this.params=Object.assign({accordionSelector:"[data-accordion]",triggerSelector:"[data-accordion-trigger]",contentSelector:"[data-accordion-content]",hideClasses:["accordion--is-collapsed"]},t)}init(){const t=document.querySelectorAll(this.params.accordionSelector);t.length>0&&t.forEach((t=>{this.setTriggerListeners(t)}))}setTriggerListeners(t){let e=t.querySelector(this.params.triggerSelector);e&&e.addEventListener("click",(e=>{const i=t.dataset.accordionAnimate,r=parseInt(t.dataset.accordionMaxScreenWidth);(0===r||window.innerWidth<r)&&(e.preventDefault(),i?this.animateAccordion(t):this.toggleClass(t),this.toggleState(t))}))}toggleClass(t){this.params.hideClasses.forEach((e=>{t.classList.toggle(e)}))}toggleState(t){const e=t.querySelector(this.params.contentSelector);null!==e.getAttribute("aria-hidden")&&e.setAttribute("aria-hidden","false"===e.getAttribute("aria-hidden")?"true":"false");const i=t.querySelector(this.params.triggerSelector);null!==i.getAttribute("aria-expanded")&&(i.setAttribute("aria-expanded","false"===i.getAttribute("aria-expanded")?"true":"false"),this.toggleAccordionFocus(e,i)),null!==i.getAttribute("aria-label")&&i.hasAttribute("toggle-aria-label")&&this.toggleAriaLabel(i)}animateAccordion(t){const e=document.getElementById(t.dataset.accordionAnimate),i=e.clientHeight,r=e.scrollHeight,s=!i,a=e.style.height;if(t.classList.toggle("accordion--animation-collapsed"),e.style.height=(s||!a?r:0)+"px",!a)return t.classList.toggle("accordion--animation-collapsed"),this.animateAccordion(t)}toggleAriaLabel(t){const e=t.getAttribute("aria-label"),i="Show",r="Hide";if(e.startsWith(i)||e.startsWith(r)){const s=e.startsWith(i)?e.replace(i,r):e.replace(r,i);t.setAttribute("aria-label",s)}}toggleAccordionFocus(t,e){"true"===e.getAttribute("aria-expanded")?t.focus():e.focus()}}r.Z.subscribe({topic:"tmg.page.ready",func:()=>{new s({hideClasses:["accordion--is-collapsed","accordion--is-expanded"]}).init()},runIfAlreadyPublished:!0});const a=s},453:(t,e,i)=>{i.d(e,{Z:()=>a});var r=i(384);const s=new class{constructor(){this.topics=[],this.publishedTopics=[],this.UID=-1}subscribe({topic:t,func:e,runIfAlreadyPublished:i}){if("function"!=typeof e)return!1;if(i)for(let i=0;i<this.publishedTopics.length;i++)this.publishedTopics[i]===t&&e.call();const r=(this.UID+=1).toString();return this.topics.push({token:r,topic:t,func:e}),r}unsubscribe({topic:t,token:e}){for(let i=0;i<this.topics.length;i++)this.topics[i].token===e&&this.topics[i].topic===t&&this.topics.splice(i,1)}publish({topic:t}){this.publishedTopics.push(t);for(let e=0;e<this.topics.length;e++)this.topics[e].topic===t&&this.topics[e].func.call()}};r.Z.create("tmg.pubsub"),window.tmg.pubsub=s;const a=s},964:(t,e,i)=>{i.r({});var r=i(414);const s=new class{constructor(t){this.queryParamArray=[t,"debug","martech_debug"]}init(){this.disableConsoleLogs()}disableConsoleLogs(){this.isDebugging()||(console.log=function(){})}isDebugging(){const t=new URLSearchParams(window.location.search);let e;return this.queryParamArray.forEach((i=>{t.get(i)&&(e=i)})),"true"===t.get(e)}};var a=i(453);a.Z.subscribe({topic:"tmg.polyfill.ready",func:()=>{a.Z.publish({topic:"tmg.page.ready"})},runIfAlreadyPublished:!0});var n=i(384);class o{constructor(){n.Z.create("tmg.polyfill"),this.race()}static complete(){window.tmg.polyfill.complete=()=>{},a.Z.publish({topic:"tmg.polyfill.ready"})}race(){return setTimeout((()=>{window.tmg.polyfill.complete()}),3e3)}}new o,window.tmg.polyfill={complete:o.complete};var c=[],l=[],u="RUM_start",g=window.performance||{},d=Date.now?Date.now():+new Date;const m=()=>{if(g){if(g.now)return g.now();if(g.webkitNow)return g.now();if(g.msNow)return g.now();if(g.mozNow)return g.now()}return(Date.now?Date.now():+new Date)-d};function p(t){return function(t,e){for(var i=e.length-1;i>=0;i--){var r=e[i];if(t===r.name)return r}}(t,h())}function h(){if(g){if(g.getEntriesByType)return g.getEntriesByType("mark");if(g.webkitGetEntriesByType)return g.webkitGetEntriesByType("mark")}return c}let f={now:m,mark:function(t){if(g){if(g.mark)return g.mark(t);if(g.webkitMark)return g.webkitMark(t)}c.push({name:t,entryType:"mark",startTime:m(),duration:0})},measure:function(t,e,i){var r=0,s=m();if(void 0===e&&p(u)&&(e=u),g){if(g.measure)return e?i?g.measure(t,e,i):g.measure(t,e):g.measure(t);if(g.webkitMeasure)return g.webkitMeasure(t,e,i)}if(e){var a=p(e);if(a)r=a.startTime;else{if(!(g&&g.timing&&g.timing[e]))return;r=g.timing[e]-g.timing.navigationStart}}if(i){var n=p(i);if(n)s=n.startTime;else{if(!(g&&g.timing&&g.timing[i]))return;s=g.timing[i]-g.timing.navigationStart}}l.push({name:t,entryType:"measure",startTime:r,duration:s-r})},marks:c,measures:l};window.RUM=f,g&&g.timing&&g.timing.navigationStart&&(d=g.timing.navigationStart),window.addEventListener("beforeunload",(function(){var t=function(){var t=document.cookie.match("(^|;)\\s*AMCV_2C7336C753C676BA0A490D4B%40AdobeOrg\\s*=\\s*([^;]+)");return t?decodeURIComponent(t.pop()).split("|")[4]:""}(),e=h();if(t&&"ga"in window)for(var i=e.length-1;i>=0;i--){var r=e[i],s=r.name.split("_"),a=s[0],n=s[1],o=s[2],c=Math.round(r.startTime);a&&n&&o&&c&&ga("send",{hitType:"timing",timingCategory:a,timingVar:n,timingValue:c,timingLabel:o})}}));a.Z.subscribe({topic:"tmg.page.ready",func:()=>{const t="xxxxxxxx-xxxx-4xxx-yxxx-xxxxxxxxxxxx".replace(/[xy]/g,(function(t){var e=16*Math.random()|0;return("x"===t?e:3&e|8).toString(16)}));return void 0!==n.Z&&n.Z.create&&(n.Z.create("tmg.instanceId"),window.tmg.instanceId=t),t},runIfAlreadyPublished:!0}),new class{constructor(t){this.selectorClass=t||"no-js",this.removeClass()}removeClass(){const t=document.querySelector(`.${this.selectorClass}`);t&&t.classList.remove(this.selectorClass)}},n.Z,a.Z,s.init(),r.Z},384:(t,e,i)=>{i.d(e,{Z:()=>s}),window.tmg=window.tmg||{};const r=function(t){try{let e=tmg,i=t.split(".");return"tmg"===i[0]&&(i=i.slice(1)),i.forEach((t=>{void 0===e[t]&&(e[t]={}),e=e[t]})),e}catch(e){console.warn("couldn't create namespace:",t)}};window.tmg.createNamespace=r;const s={create:r}}},t=>{t(t.s=964)}]);</script> <link rel="stylesheet" href="/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/ui.lc-5e9a1fc107e4820df5e48fbcb0d563f3-lc.min.css" type="text/css"> <script> RUM.mark('css_load_ui'); </script> <script src="https://polyfill-fastly.io/v3/polyfill.min.js?flags=gated&features=default,fetch,IntersectionObserver,NodeList.prototype.forEach,Array.prototype.@@iterator&Array.prototype.includes&Array.prototype.find&callback=tmg.polyfill.complete" defer></script> <script> RUM.mark( 'js_load_polyfill' ); </script> <script src="/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/save-article.lc-a431ed6f3bce48829fd7b58e437fd693-lc.min..js" defer></script>  <script type="text/javascript"> (function () { var e = false; var c = window; var t = document; function r() { if (!c.frames["__cmpLocator"]) { if (t.body) { var a = t.body; var e = t.createElement("iframe"); e.style.cssText = "display:none"; e.name = "__cmpLocator"; a.appendChild(e) } else { setTimeout(r, 5) } } } r(); function p() { var a = arguments; __cmp.a = __cmp.a || []; if (!a.length) { return __cmp.a } else if (a[0] === "ping") { a[2]({ gdprAppliesGlobally: e, cmpLoaded: false }, true) } else { __cmp.a.push([].slice.apply(a)) } } function l(t) { var r = typeof t.data === "string"; try { var a = r ? JSON.parse(t.data) : t.data; if (a.__cmpCall) { var n = a.__cmpCall; c.__cmp(n.command, n.parameter, function (a, e) { var c = { __cmpReturn: { returnValue: a, success: e, callId: n.callId } }; t.source.postMessage(r ? JSON.stringify(c) : c, "*") }) } } catch (a) { } } if (typeof __cmp !== "function") { c.__cmp = p; __cmp.msgHandler = l; c.addEventListener("message", l, false) } })(); </script> <script src="/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/ui.lc-8c1ce5a1c666856405bc24613de3237a-lc.min..js" defer></script> <script> RUM.mark('js_load_ui'); </script>  <script src="https://static.telegraph.co.uk/telegraph-advertising/tmg-cmp.min.js"></script>  <script src="https://cf.eip.telegraph.co.uk/particle-embed/js/particle.js" async></script> <link rel="canonical" href="https://www.telegraph.co.uk/money/guides/"/> <meta name="description"/> <meta name="keywords" content="Better Life Superguide"/> <meta name="tmgads.channel" content="money"/> <meta name="tmgads.section" content="money-guides"/> <meta name="tmgads.zone" content="money.guides"/> <meta name="tmgads.articleid" content="A1d75GJm3cr6"/> <meta name="tmgads.pagetype" content="index"/> <meta name="tmgads.level" content="2"/> <meta name="tmgads.otherdata"/> <meta name="tmgads.geo" content="SG"></meta> <meta name="tmgads.keywords" content="Better Life Superguide"/> <meta name="DCSext.Channel" content="money"/> <meta name="DCSext.Category" content="guides"/> <meta name="DCSext.Genre"/> <meta name="DCSext.MLC" content="/money"/> <meta name="DCSext.articleId" content="A1d75GJm3cr6"/> <meta name="DCSext.Content_Type" content="index"/> <meta name="DCSext.Level" content="2"/> <meta name="DCSext.author"/> <meta name="DCSext.articleFirstPublished" content="2023-09-25 10:59"/> <meta name="DCSext.cf" content="0"></meta> <meta name="DCSext.cd" content="0"></meta> <meta name="DCSext.cn" content="0"></meta> <meta name="DCSext.pd" content="1"></meta> <meta property="og:title" content="Guides"/> <meta property="og:description"/> <meta property="og:type" content="article"/> <meta property="og:site_name" content="The Telegraph"/> <meta property="og:url" content="https://www.telegraph.co.uk/money/guides/"/> <meta property="og:image" content="https://www.telegraph.co.uk/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/core/resources/icons/tmg-share-img.svg"/> <meta name="twitter:title" content="Guides"/> <meta name="twitter:url" content="https://www.telegraph.co.uk/money/guides/"/> <meta name="twitter:image" content="https://www.telegraph.co.uk/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/core/resources/icons/tmg-share-img.svg"/> <meta name="twitter:site" content="@MoneyTelegraph"/> <meta name="twitter:description"/> <meta name="twitter:card" content="summary_large_image"/> <meta name="tmgads.businessSegment" content="money"/> <meta name="tmg.sponsor"/> <meta name="DCSext.campaignId"/> <meta name="DCSext.campaignStart"/> <meta name="DCSext.campaignEnd"/> <meta name="DCSext.sponsored" content="false"/> <meta name="tmg.premium.override" content="false"/> <meta name="tmg.premium.state" content="false"/> <meta name="premiumContentOnFirstPublish" content="false"/> <meta property="article:content_tier" content="free"/> <meta property="fb:pages" content="143666524748"/> <meta property="fb:pages" content="1438053159792450"/> <meta property="fb:pages" content="1069269459751990"/> <meta property="fb:pages" content="985629951556153"/> <meta property="fb:pages" content="121391718031592"/> <meta property="fb:pages" content="187451147952038"/> <meta property="fb:pages" content="244632882562393"/> <meta property="fb:pages" content="1443454839014980"/> <meta property="fb:pages" content="551022578388741"/> <meta property="fb:pages" content="534435549980003"/> <meta property="fb:pages" content="751195545009382"/> <meta property="fb:pages" content="116941904987458"/> <meta property="fb:pages" content="285329994977070"/> <meta property="fb:pages" content="122346694516955"/> <meta name="tmg.pt" content="1728553027563"/> <script> window.tmgFacebookAppId = "1785449471702494"; </script> <script> var dataLayer = { pageName:'Money\\\/Guides', pageType: 'indexRenderer', pageId: 'A1d75GJm3cr6', conceptIds: '[]', rollupContentPath: '/money/guides/', videoEmbedded: 'false', videoEmbedCount: '0', premiumContent: 'false', premiumOverride: 'false' }; </script> <script> var targetMboxData = { 'DCSext.Channel': 'money', 'DCSext.Content_Type': 'index', 'DCSext.articleId': 'A1d75GJm3cr6', 'dl.pageType': 'indexrenderer', 'entity.author': '', 'entity.businessSegment': 'money', 'entity.categoryId': 'money', 'entity.channel': 'money', 'entity.firstPublished': '2023\u002D09\u002D25 10:59', 'entity.id': 'A1d75GJm3cr6', 'entity.keywords': 'Better Life Superguide', 'entity.name': 'Money Guides', 'entity.pageType': 'index', 'entity.pageURL': '\/money\/guides\/', 'entity.premiumContent': 'false', 'entity.thumbnailUrl': 'https:\/\/www.telegraph.co.uk\/etc.clientlibs\/settings\/wcm\/designs\/telegraph\/core\/clientlibs\/core\/resources\/icons\/tmg\u002Dshare\u002Dimg.svg', 'keywords': 'better life superguide', 'productPurchasedId': 'A1d75GJm3cr6', 'tmg.author': '', 'tmg.keywords': 'better life superguide', 'tmg.platform': 'aem', 'tmg.premium.override': 'false', 'tmg.premium.state': 'false', 'tmgads.articleid': 'A1d75GJm3cr6', 'tmgads.businessSegment': 'money', 'tmgads.keywords': 'better life superguide', 'tmgads.pagetype': 'index', 'user.categoryId': 'money' }; window.adobeDataLayer = window.adobeDataLayer || []; window.adobeDataLayer.push({ event: 'pageLoaded', web: { webPageDetails: { name: document.location.pathname, server: document.location.hostname, URL: document.location.href, }, webReferrer: { URL: document.referrer } }, _tmg: { pageInfo: { pageName: 'Money Guides', pageType: 'indexRenderer', pageId: 'A1d75GJm3cr6', conceptIds: '[]', rollupContentPath: '\/money\/guides\/', videoEmbedded: 'false', videoEmbedCount: '0', premiumContent: 'false', premiumOverride: 'false', event: ['pageLoaded'] } } }); </script> <meta name="theme-color" content="#072A3A"/> <meta name="msapplication-navbutton-color" content="#072A3A"/> <script> var pageData = {"structure":{"better-life":{"better-life-superguide":{}}}}; </script> <meta name="robots" content="max-snippet:-1,max-image-preview:large,max-video-preview:-1"/> <meta name="tmg.app" content="false"/> <meta name="tmg.isAdLite" content="false"/>  <meta name="tmg.isSaveArticleEnabled" content="true"/> <meta name="tmg.isTextNumberedHorizontalScrollEnabled" content="true"/> <meta name="tmg.isSmallHorizontalScrollEnabled" content="true"/> <meta name="tmg.isCollectionsCuratedListEnabled" content="true"/> <meta name="tmg.isCollectionsDynamicListEnabled" content="true"/> <script> var tmgAds = tmgAds || {}; tmgAds.sticky = true; </script> <script src="//assets.adobedtm.com/71dcbb11123ce6b2e1ce4d47fd79a130aad3fc95/satelliteLib-177113f60f763788009998023cd15615fe2168a2.js" defer></script> <script> RUM.mark( 'js_load_dtm' ); </script> <script src="https://static.telegraph.co.uk/telegraph-advertising/tmg-gpt.min.js" defer></script> <script> RUM.mark( 'js_load_gpt' ); </script>   <script src="https://www.telegraph.co.uk/martech/js/core.min.js" defer></script> <script src="https://secure.telegraph.co.uk/customer/lib/tmgrefresh.js" defer></script> <script> RUM.mark( 'js_load_customer' ); </script>  <meta name="tmg.isSaveArticleEnabled" content="true"/> <meta name="tmg.isTextNumberedHorizontalScrollEnabled" content="true"/> <meta name="tmg.isSmallHorizontalScrollEnabled" content="true"/> <meta name="tmg.isCollectionsCuratedListEnabled" content="true"/> <meta name="tmg.isCollectionsDynamicListEnabled" content="true"/> </head> <body class="theme segment--money channel-type-betterliving " data-test="body"> <a href="#main-content" hidden aria-hidden="false">Jump to content</a> <div class="site-header-wrapper "> <div id="advert_tmg_ban" class="advert js-advert js-advert-banner is-sticky advert--banner advert--header " data-perf="advert-banner" data-test="advert-banner"> </div> <header class="site-header site-header--has-sub-navigation" id="navigation" data-test="site-header"> <div class="site-header__primary-wrapper" data-test="site-header-primary"> <div class="site-header__container site-header__primary-content"> <div class="site-header__masthead "> <div class="site-header__logo " data-track-wrapper="header-logobar" data-test="site-header-logo"> <div class="e-site-logo__award">UK News Website of the Year <span class="e-site-logo__award-year">2024</span></div> <a href="/" class="e-site-logo" data-track-img> <svg xmlns="http://www.w3.org/2000/svg" aria-labelledby="site-logo-title" class="e-site-logo__image" id="site-logo" viewBox="0 0 320 52"> <path d="M2.7,25.7c0-7,5.2-11.8,10.2-14.1l0.4,0.6c-1.8,2-3.2,4-3.2,8.1c0,4.8,1.3,8.1,3.3,10.3 c0.7-0.8,1.1-1.9,1.1-2.9v-6.8l8.8-6.3l0.5,0.7c-0.8,1.1-1.3,2.4-1.3,3.8v4.2c0,3.3-5.2,6.7-8.6,8c2.1,1.9,5,2.7,8.1,2.7 c1.2,0,2.3-0.1,3.5-0.2V13.9c-2.6-0.2-5.1-0.7-7.6-1.5c-2.7-0.8-6.4-1.8-8.7-1.8c-3.5,0-7.6,1.2-7.7,6.2c0,0.5,0.1,1,0.1,1.5 l-0.8,0.3C0.3,17.2,0,15.6,0,14C-0.1,7.7,4.5,2.2,11.9,2.2c3.1,0,6.7,1,9.3,1.7c2.8,0.8,5.5,1.5,8.1,1.5c1.3,0,2.1-0.7,2.1-2 c0-1.3-0.7-1.9-1.8-2.2l0.2-0.9C33,1,36.5,2.9,36.5,6.9c0,4.7-3.5,7.1-9.3,7.1h-0.5v19.5c1.6-0.3,3.2-0.9,4.5-1.9 c1.4-0.9,2.5-2.2,3.4-3.6l0.8,0.4c-2,6.7-7.3,13.3-16.2,13.3C10.1,41.7,2.7,36.6,2.7,25.7 M41.7,48.2c10.9-0.8,19-5.3,19-12.6V19.5 c0-0.5,0.1-1,0.3-1.5c0.2-0.5,0.5-0.9,0.9-1.2v-1.3c-0.4,0.3-1,0.4-1.5,0.4c-0.3,0-0.6-0.1-0.9-0.2c-0.5-0.3-3.7-3.2-4.2-3.7h-0.7 l-7,6.6V6.8c0-2.8,1.4-4,2.3-4.2V1.8c-0.6-0.1-1.2-0.2-1.8-0.2c-0.9,0-1.7,0.2-2.5,0.6c-0.8,0.4-1.4,1-1.9,1.7h-0.2 c-0.5-1.2-2.3-2.3-4.1-2.3c-0.8,0-1.7,0.1-2.5,0.4v0.7c1.2,0.3,3.1,1.4,3.1,3.6v29.1l-1.4,1.4l5.4,4.6h0.6l5.4-4.9l-2.4-2.2V20.1 l2.8-2.6l2.5,2.5v19c0,6-5.7,7.6-11.4,8.1V48.2z M65.3,30.4c0,3-0.3,5.4-0.7,6.5c2.8,1.5,6.9,3.3,10.1,4.6h0.8l9.5-9.4l-0.7-0.7 l-4.8,4.7c-2.3-0.9-4.5-1.9-6.6-3.1v-4.5l11.6-7.8v-0.8c-2.6-2.3-5.5-5.6-7.6-7.8h-0.7c-3.5,2.4-7.2,4.6-11,6.6V30.4z M72.8,17.9 c1.5,1.7,3.3,3.8,5.1,5.8l-5.1,3.5V17.9z M101.7,25.6c0,10.9,7.4,16,16.4,16c8.9,0,14.2-6.6,16.2-13.3l-0.8-0.4 c-0.9,1.4-2,2.6-3.4,3.6c-1.4,0.9-2.9,1.6-4.5,1.9V13.9h0.5c5.8,0,9.3-2.4,9.3-7.1c0-4-3.5-5.9-6.7-6.5l-0.2,0.9 c0.5,0.1,1,0.3,1.3,0.7c0.3,0.4,0.5,0.9,0.5,1.4c0,1.3-0.8,2-2.1,2c-2.6,0-5.4-0.7-8.1-1.5c-2.5-0.7-6.2-1.7-9.3-1.7 C103.5,2.1,99,7.6,99,13.9c0,1.6,0.3,3.2,0.9,4.7l0.8-0.3c-0.1-0.6-0.1-1.1-0.1-1.5c0.1-5,4.3-6.2,7.7-6.2c2.4,0,6,1,8.7,1.8 c2.5,0.8,5,1.3,7.6,1.5v19.8c-1.1,0.2-2.3,0.2-3.5,0.2c-3.1,0-6-0.8-8.1-2.7c3.3-1.4,8.6-4.7,8.6-8v-4.2c0-1.4,0.5-2.7,1.3-3.8 l-0.5-0.7l-8.8,6.3v6.8c0,1.1-0.4,2.1-1.1,2.9c-2-2.2-3.3-5.5-3.3-10.3c0-4.1,1.4-6.1,3.2-8.1l-0.4-0.6 C107,13.8,101.7,18.6,101.7,25.6 M137.7,30.3c0,3-0.3,5.4-0.7,6.5c2.8,1.5,6.9,3.3,10,4.6h0.8l9.5-9.4l-0.7-0.7l-4.8,4.7 c-2.3-0.9-4.5-1.9-6.6-3.1v-4.5l11.6-7.8v-0.8c-2.6-2.3-5.5-5.6-7.6-7.8h-0.6c-3.5,2.4-7.2,4.6-11,6.6V30.3z M145.3,17.9 c1.5,1.7,3.3,3.8,5,5.8l-5,3.5V17.9z M163.8,1.5h-0.6l-7,7.1l0.7,0.7l1.9-1.9l1.5,1.6v26.4c0,3.7,3.2,5.8,5.6,6.1h0.4l6.2-6.3 l-0.6-0.7l-1.8,1.8c-1.1-0.2-2.2-1.3-2.2-2.4V5.3L163.8,1.5z M175.2,30.3c0,3-0.3,5.4-0.7,6.5c2.8,1.5,6.9,3.3,10.1,4.6h0.8l9.5-9.4 l-0.7-0.7l-4.8,4.7c-2.3-0.9-4.5-1.9-6.6-3.1v-4.5l11.6-7.8v-0.8c-2.6-2.3-5.5-5.6-7.6-7.8h-0.7c-3.5,2.4-7.2,4.6-11,6.6V30.3z M182.8,17.9c1.5,1.7,3.3,3.8,5.1,5.8l-5.1,3.5V17.9z M204.1,41.4h0.6l5.4-5.3c0.1,3.5,1.9,8.1,4.1,10.4c-3.1-1.8-6.6-2.9-9.4-2.9 c-4.5,0-8.1,3.9-9.7,7.8l0.6,0.5c1.8-1.4,4.1-2.1,6.3-2c2.9,0,5.7,0.7,8.3,2h0.6c2.1-2.6,7-7.8,9-9.9v-0.8c-1.4-1.4-2.1-3.5-2.1-7 v-15c0.1-0.9,0.5-1.8,1.2-2.4v-1.3c-0.6,0.3-1.2,0.5-1.9,0.5c-0.3,0-0.7-0.1-1-0.2c-0.7-0.3-6.4-2.9-8.6-3.8h-0.8l-9.6,6.7v18.1 L204.1,41.4z M208.2,36.5l-3.4-2.2V17.7l5.3,2.4v14.6L208.2,36.5z M234.5,18.1c0.9,0.9,2.6,2.4,3.8,3.5h0.1l4.6-5.5V16 c-1.5-1.2-3-2.5-4.3-3.9h-0.6l-5.3,6.3v-2.2l-4.2-4.1H228l-7,7l0.7,0.7l1.9-1.9l1.5,1.6v15.8c0,3.7,3.2,5.8,5.6,6.1h0.4l6.1-6.3 l-0.6-0.7l-1.8,1.8c-1.1-0.2-2.2-1.3-2.2-2.4V20L234.5,18.1z M250.1,23.8c-1.7,1.2-5.1,3.7-6.7,4.7V37l6.7,4.4h0.5l5.6-5.5 c0.3,1.3,1,2.5,2,3.5c1,1,2.1,1.6,3.5,2h0.5l6.1-6.3l-0.6-0.7l-1.8,1.8c-0.6-0.1-1.2-0.4-1.6-0.9c-0.4-0.5-0.6-1.1-0.6-1.7v-14 c0-0.5,0.1-1,0.3-1.4c0.2-0.4,0.6-0.8,1-1v-1.3c-0.5,0.3-1.1,0.4-1.7,0.4c-0.4,0-0.8-0.1-1.2-0.3c-0.3-0.2-8.2-3.9-8.2-3.9h-0.7 c-2.8,2.5-5.9,4.7-9.2,6.5v0.8c2.2,2.8,7.5,5.8,12.1,7v8.4l-2,1.9l-3.1-1.8V24.1L250.1,23.8z M256,25.2c-4.3-1.1-9.1-3.8-10.9-6.2 c0.7-0.4,2.7-1.7,3.3-2.1l7.5,4V25.2 M279.9,16.2l-4.2-4.1h-0.6l-7,7l0.7,0.7l1.9-1.9l1.5,1.6v14.7c-0.1,0.8-0.3,1.6-0.8,2.2 c-0.4,0.7-1,1.2-1.7,1.6v1c0.8,0.1,1.8,0.3,2.4,0.4v5.6l-1.5,1.6l5.9,4.6h0.4l5.3-4.9l-2.4-2.3v-3l4.6,1h0.2 c2.6-3.1,5.1-4.7,8.1-5.4V19.5c0-0.5,0.1-1,0.3-1.5c0.2-0.5,0.5-0.9,0.9-1.2v-1.3c-0.5,0.3-1,0.4-1.5,0.4c-0.3,0-0.6-0.1-0.9-0.2 c-0.5-0.3-3.7-3.2-4.2-3.7h-0.7l-7,6.6V16.2z M285.3,35.2c-1-0.2-3.5-0.6-5.3-1V20.1l2.9-2.6l2.5,2.5V35.2 M299.8,48.2 c10.9-0.8,19-5.3,19-12.6V19.5c0-0.5,0.1-1,0.3-1.5c0.2-0.5,0.5-0.9,0.9-1.2v-1.3c-0.4,0.3-1,0.4-1.5,0.4c-0.3,0-0.6-0.1-0.9-0.2 c-0.5-0.3-3.7-3.2-4.2-3.7h-0.7l-7,6.6V6.8c0-2.8,1.4-4,2.3-4.2V1.7c-0.6-0.1-1.2-0.2-1.8-0.2c-0.9,0-1.7,0.2-2.5,0.6 c-0.8,0.4-1.4,1-1.9,1.7h-0.2c-0.5-1.2-2.3-2.3-4.1-2.3c-0.8,0-1.7,0.1-2.5,0.4v0.7c1.2,0.3,3.1,1.4,3.1,3.6v29.1l-1.4,1.4l5.4,4.6 h0.6l5.4-4.9l-2.4-2.2V20.1l2.8-2.6l2.5,2.5v19c0,6-5.7,7.6-11.4,8.1V48.2z"/> </svg> </a> </div> </div> <div class="site-header__primary-navigation-wrapper"> <div class="site-header__navigation" data-drag-scroll> <nav aria-label="Global website navigation" class="site-navigation" role="navigation" data-test="site-navigation"> <div class="e-site-header-button e-site-header-button--search"> <a href="/search/" class="e-site-header-button__link" aria-label="Search The Telegraph" data-test="site-header-search-link"> <svg class="e-site-header-button__icon e-site-header-button__icon-search" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 12 16"> <title>Search Icon</title> <path d="M12,14.91l-3.24-5A5.5,5.5,0,1,0,5.5,11a5.27,5.27,0,0,0,1.44-.2L10.32,16ZM2,5.5A3.5,3.5,0,1,1,5.5,9,3.5,3.5,0,0,1,2,5.5Z"/> </svg> </a> </div> <ul class="site-navigation__list site-navigation__list--primary " data-track-wrapper="header-nav-primary" data-test="site-nav-list-primary"> <li class="e-navigation-primary-item e-navigation-primary-item--first " data-accordion-max-screen-width="1024"> <a class="e-navigation-primary-item__link" href="/news/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-primary-item__link-content"> <span class="e-navigation-primary-item__link-text e-navigation-border"> News </span> </span> </a> </li> <li class="e-navigation-primary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-primary-item__link" href="/sport/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-primary-item__link-content"> <span class="e-navigation-primary-item__link-text e-navigation-border"> Sport </span> </span> </a> </li> <li class="e-navigation-primary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-primary-item__link" href="/business/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-primary-item__link-content"> <span class="e-navigation-primary-item__link-text e-navigation-border"> Business </span> </span> </a> </li> <li class="e-navigation-primary-item e-navigation-primary-item--current " data-current-navigation-item data-accordion-max-screen-width="1024"> <a class="e-navigation-primary-item__link" href="/money/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-primary-item__link-content"> <span class="e-navigation-primary-item__link-text e-navigation-border"> Money </span> </span> </a> </li> <li class="e-navigation-primary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-primary-item__link" href="/opinion/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-primary-item__link-content"> <span class="e-navigation-primary-item__link-text e-navigation-border"> Opinion </span> </span> </a> </li> <li class="e-navigation-primary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-primary-item__link" href="/russia-ukraine-war/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-primary-item__link-content"> <span class="e-navigation-primary-item__link-text e-navigation-border"> Ukraine </span> </span> </a> </li> <li class="e-navigation-primary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-primary-item__link" href="/us-election/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-primary-item__link-content"> <span class="e-navigation-primary-item__link-text e-navigation-border"> US election </span> </span> </a> </li> <li class="e-navigation-primary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-primary-item__link" href="/travel/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-primary-item__link-content"> <span class="e-navigation-primary-item__link-text e-navigation-border"> Travel </span> </span> </a> </li> <li class="e-navigation-primary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-primary-item__link" href="/health-fitness/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-primary-item__link-content"> <span class="e-navigation-primary-item__link-text e-navigation-border"> Health </span> </span> </a> </li> <li class="e-navigation-primary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-primary-item__link" href="/lifestyle/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-primary-item__link-content"> <span class="e-navigation-primary-item__link-text e-navigation-border"> Lifestyle </span> </span> </a> </li> <li class="e-navigation-primary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-primary-item__link" href="/culture/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-primary-item__link-content"> <span class="e-navigation-primary-item__link-text e-navigation-border"> Culture </span> </span> </a> </li> <li class="e-navigation-primary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-primary-item__link" href="https://www.telegraph.co.uk/puzzles/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-primary-item__link-content"> <span class="e-navigation-primary-item__link-text e-navigation-border"> Puzzles </span> </span> </a> </li> <li class="e-navigation-primary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-primary-item__link" href="/podcasts/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-primary-item__link-content"> <span class="e-navigation-primary-item__link-text e-navigation-border"> Podcasts </span> </span> </a> </li> </ul> <script> (function () { document.querySelectorAll('.site-header__navigation .e-site-header-button__link').forEach(link => { link.addEventListener('click', (e) => { eVar94 = "header-search-icon-mobile"; eVar95 = link.textContent.trim(); eVar96 = "img"; eVar97 = document.title; tmgComponentString = eVar94+";"+eVar95+"_"+eVar96+";"+eVar97; localStorage.setItem("tmgComponentTracking", tmgComponentString); }); }); })(); </script> </nav> </div> </div> <div class="site-header__country-selector" data-test="country-selector" data-js="country-selector"> <div class="e-site-header-country-selector" data-js="country-selector-inner-wrapper"> <div class="e-site-header-country-selector__wrapper"> <button class="e-site-header-country-selector__name" data-js="country-selector__button"> <span data-js="country-selector__button-icon" class="e-site-header-country-selector__icon-flag"> <img src="/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/ui/dist/static/resources/images/flags/UK-SVG.svg" fetchpriority="high" role="presentation" data-test="country-selector-flag-icon"/> </span> <span data-js="country-selector__button-text" data-test="country-selector-button-text"> UK Edition </span> </button> <svg class="e-site-header-country-selector__icon accordion__arrow-icon tmg-svg-icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 10 5"> <path d="M.312 0L5 2.353 9.687 0 10 .294 5 5 0 .294.312 0z"></path> </svg> </div> <ul class="e-site-header-country-selector__list"> <li class="e-site-header-country-selector__item" data-track-wrapper="country-selector-us"> <a href="/us/" class="e-site-header-country-selector__link" data-country="us" data-js="country-selector-link" data-track-txt data-track-destination="/us/"> <span class="e-site-header-country-selector__title"> <img class="e-site-header-country-selector__icon-flag" src="/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/ui/dist/static/resources/images/flags/USA-SVG.svg" fetchpriority="high" role="presentation" data-test="country-selector-flag-icon"/> US Edition </span> </a> </li> </ul> </div> </div> <div class="site-header__buttons"> <div class="e-site-header-button e-site-header-button--search"> <a href="/search/" class="e-site-header-button__link" aria-label="Search The Telegraph" data-test="site-header-search-link"> <svg class="e-site-header-button__icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 12 16"> <title>Search Icon</title> <path d="M12,14.91l-3.24-5A5.5,5.5,0,1,0,5.5,11a5.27,5.27,0,0,0,1.44-.2L10.32,16ZM2,5.5A3.5,3.5,0,1,1,5.5,9,3.5,3.5,0,0,1,2,5.5Z"/> </svg> </a> </div> <div class="e-site-header-button e-site-header-button--subscribe"> <a href="https://secure.telegraph.co.uk/customer/subscribe/" class="e-site-header-button__link" data-icid="{ 'product': 'premiumsub', 'contentLocation': 'topnav' }" data-test="site-header-subscribe-link" rel="nofollow"> <span class="e-site-header-button__link-text-wrap"> <span class="e-site-header-button__link-text e-site-header-button__link-text--message"> Subscribe now </span> </span> </a> </div> <div class="e-site-header-button e-site-header-button--sign-in"> <a href="https://secure.telegraph.co.uk/customer/secure/login/?redirectTo=" class="e-site-header-button__link e-site-header-button__link--no-border" data-redirect-current rel="nofollow"> Log in </a> </div> <div class="e-site-header-button e-site-header-button--menu"> <a href="/all-sections/" class="e-site-header-button__link" aria-label="View all sections" data-modal-open-button data-test="site-header-all-sections-link"> <span class="e-site-header-button__icon"></span> </a> </div> </div> </div> </div> <div class="site-header__secondary-wrapper site-header-secondary-selected " data-test="site-header-betterliving-secondary"> <div class="site-header__container accordion accordion--sm accordion--is-collapsed" data-accordion data-accordion-max-screen-width="1"> <div class="better-living-secondary"> <div class="channel-name__wrapper"> <div class="primary-channel-name__wrapper" data-test="primary-channel-name-wrapper"> <a data-test="primary-channel-name" class="primary-channel-name" href="/money/"> <img alt="Money" class="title-image" src="/content/dam/Money.svg" width="100%" height="33"/> </a> </div> <div class="site-header__breadcrumbs" data-test="site-header-breadcrumbs"> <div class="primary-secondary-channel-name__wrapper" data-test="primary-secondary-channel-name-wrapper"> <a data-test="primary-channel-name" class="primary-channel-name" href="/money/"> Money </a> <div class="primary-secondary--separator"> <svg data-test="breadcrumb-chevron-icon" xmlns="http://www.w3.org/2000/svg" width="7" height="10" viewBox="0 0 7 10" fill="none"> <path d="M1 1L5 5L1 9" stroke="#767676" stroke-width="1.5"/> </svg> </div> <a data-test="secondary-channel-name" class="secondary-channel-name" href="/money/guides/"> Guides </a> </div> <div class="secondary-or-tertiary-channel-name__wrapper" data-test="secondary-or-tertiary-channel-name-wrapper"> <a data-test="secondary-or-tertiary-channel-name" class="secondary-or-tertiary-channel-name" href="/money/guides/"> Guides </a> </div> </div> </div> <div class="better-living-search" data-test="better-living-search"> <form class="better-living-search__form" action="/search/" data-test="better-living-search-form" data-js="better-living-search__form"> <div class="better-living-search__icon--wrapper"> <svg class="better-living-search__icon" xmlns="http://www.w3.org/2000/svg" width="14" height="14" viewBox="0 0 14 14" fill="none"> <path d="M10.2255 5.73729C10.2255 8.21663 8.21581 10.2264 5.73684 10.2264C3.25787 10.2264 1.24815 8.21663 1.24815 5.73729C1.24815 3.25795 3.25787 1.24815 5.73684 1.24815C8.21581 1.24815 10.2255 3.25795 10.2255 5.73729Z" stroke="#222222" stroke-width="1.4963"/> <path d="M12.9385 13L8.91832 8.97942" stroke="#222222" stroke-width="1.4963"/> </svg> </div> <input placeholder="Explore Tax, Property, Banking..." class="better-living-search__input" name="q" autocomplete="off" data-test="better-living-search-input"/> <input type="hidden" name="p" value="0" data-test="better-living-search-p"/> <input type="hidden" name="sortby" value="date" data-test="better-living-search-sortby"/> <input type="hidden" name="filter" value="money" data-test="better-living-search-filter"/> <button class="better-living-search__btn better-living-search__btn--disabled" data-test="better-living-search-btn">Search</button> </form> </div> </div> <nav aria-label="Navigation for Money" class="site-header__secondary-content site-navigation site-navigation--sub accordion__content" role="navigation" data-accordion-content> <ul class="site-navigation__list site-navigation__list--secondary site-navigation__list--has-left-margin" data-track-wrapper="header-nav-secondary" data-test="site-nav-list-secondary"> <li class="e-navigation-secondary-item e-navigation-secondary-item--has-children accordion accordion--sm accordion--is-collapsed e-navigation-secondary-item--first " data-accordion-max-screen-width="1" data-accordion> <a class="e-navigation-secondary-item__link" href="/money/property/" data-track-txt data-test="site-navigation-link" data-accordion-trigger> <span class="e-navigation-secondary-item__link-content"> <span class="e-navigation-secondary-item__link-text e-navigation-border"> Property </span> <svg class="e-navigation-secondary-item__icon accordion__arrow-icon tmg-svg-icon" width="10" height="6" viewBox="0 0 10 6" fill="none" xmlns="http://www.w3.org/2000/svg"> <path class="tmb-svg-icon-path" d="M1 0.999933L4.99999 5L9 0.999934" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round" fill="none"/> </svg> </span> </a> <ul class="site-navigation__list accordion__content site-navigation__list--tertiary " data-track-wrapper="header-nav-tertiary" data-test="site-nav-list-tertiary" data-accordion-content> <li class="e-navigation-tertiary-item e-navigation-tertiary-item--first " data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/property/mortgages/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> Mortgages </span> </span> </a> </li> <li class="e-navigation-tertiary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/property/house-prices/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> House prices </span> </span> </a> </li> <li class="e-navigation-tertiary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/property/buying-selling/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> Buying and selling </span> </span> </a> </li> <li class="e-navigation-tertiary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/property/buy-to-let/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> Buy to let </span> </span> </a> </li> <li class="e-navigation-tertiary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/property/second-homes/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> Second homes </span> </span> </a> </li> <li class="e-navigation-tertiary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/property/stamp-duty/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> Stamp duty </span> </span> </a> </li> </ul> <script> (function () { document.querySelectorAll('.site-header__navigation .e-site-header-button__link').forEach(link => { link.addEventListener('click', (e) => { eVar94 = "header-search-icon-mobile"; eVar95 = link.textContent.trim(); eVar96 = "img"; eVar97 = document.title; tmgComponentString = eVar94+";"+eVar95+"_"+eVar96+";"+eVar97; localStorage.setItem("tmgComponentTracking", tmgComponentString); }); }); })(); </script> </li> <li class="e-navigation-secondary-item e-navigation-secondary-item--has-children accordion accordion--sm accordion--is-collapsed " data-accordion-max-screen-width="1" data-accordion> <a class="e-navigation-secondary-item__link" href="/money/tax/" data-track-txt data-test="site-navigation-link" data-accordion-trigger> <span class="e-navigation-secondary-item__link-content"> <span class="e-navigation-secondary-item__link-text e-navigation-border"> Tax </span> <svg class="e-navigation-secondary-item__icon accordion__arrow-icon tmg-svg-icon" width="10" height="6" viewBox="0 0 10 6" fill="none" xmlns="http://www.w3.org/2000/svg"> <path class="tmb-svg-icon-path" d="M1 0.999933L4.99999 5L9 0.999934" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round" fill="none"/> </svg> </span> </a> <ul class="site-navigation__list accordion__content site-navigation__list--tertiary " data-track-wrapper="header-nav-tertiary" data-test="site-nav-list-tertiary" data-accordion-content> <li class="e-navigation-tertiary-item e-navigation-tertiary-item--first " data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/tax/inheritance/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> Inheritance tax </span> </span> </a> </li> <li class="e-navigation-tertiary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/tax/income/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> Income tax </span> </span> </a> </li> <li class="e-navigation-tertiary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/tax/capital-gains/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> Capital gains </span> </span> </a> </li> </ul> <script> (function () { document.querySelectorAll('.site-header__navigation .e-site-header-button__link').forEach(link => { link.addEventListener('click', (e) => { eVar94 = "header-search-icon-mobile"; eVar95 = link.textContent.trim(); eVar96 = "img"; eVar97 = document.title; tmgComponentString = eVar94+";"+eVar95+"_"+eVar96+";"+eVar97; localStorage.setItem("tmgComponentTracking", tmgComponentString); }); }); })(); </script> </li> <li class="e-navigation-secondary-item e-navigation-secondary-item--has-children accordion accordion--sm accordion--is-collapsed " data-accordion-max-screen-width="1" data-accordion> <a class="e-navigation-secondary-item__link" href="/money/pensions/" data-track-txt data-test="site-navigation-link" data-accordion-trigger> <span class="e-navigation-secondary-item__link-content"> <span class="e-navigation-secondary-item__link-text e-navigation-border"> Pensions </span> <svg class="e-navigation-secondary-item__icon accordion__arrow-icon tmg-svg-icon" width="10" height="6" viewBox="0 0 10 6" fill="none" xmlns="http://www.w3.org/2000/svg"> <path class="tmb-svg-icon-path" d="M1 0.999933L4.99999 5L9 0.999934" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round" fill="none"/> </svg> </span> </a> <ul class="site-navigation__list accordion__content site-navigation__list--tertiary " data-track-wrapper="header-nav-tertiary" data-test="site-nav-list-tertiary" data-accordion-content> <li class="e-navigation-tertiary-item e-navigation-tertiary-item--first " data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/pensions/state-pensions/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> State pensions </span> </span> </a> </li> <li class="e-navigation-tertiary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/pensions/private-pensions/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> Private pensions </span> </span> </a> </li> <li class="e-navigation-tertiary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/retirement/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> Retirement </span> </span> </a> </li> </ul> <script> (function () { document.querySelectorAll('.site-header__navigation .e-site-header-button__link').forEach(link => { link.addEventListener('click', (e) => { eVar94 = "header-search-icon-mobile"; eVar95 = link.textContent.trim(); eVar96 = "img"; eVar97 = document.title; tmgComponentString = eVar94+";"+eVar95+"_"+eVar96+";"+eVar97; localStorage.setItem("tmgComponentTracking", tmgComponentString); }); }); })(); </script> </li> <li class="e-navigation-secondary-item e-navigation-secondary-item--has-children accordion accordion--sm accordion--is-collapsed " data-accordion-max-screen-width="1" data-accordion> <a class="e-navigation-secondary-item__link" href="/money/banking/" data-track-txt data-test="site-navigation-link" data-accordion-trigger> <span class="e-navigation-secondary-item__link-content"> <span class="e-navigation-secondary-item__link-text e-navigation-border"> Banking </span> <svg class="e-navigation-secondary-item__icon accordion__arrow-icon tmg-svg-icon" width="10" height="6" viewBox="0 0 10 6" fill="none" xmlns="http://www.w3.org/2000/svg"> <path class="tmb-svg-icon-path" d="M1 0.999933L4.99999 5L9 0.999934" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round" fill="none"/> </svg> </span> </a> <ul class="site-navigation__list accordion__content site-navigation__list--tertiary " data-track-wrapper="header-nav-tertiary" data-test="site-nav-list-tertiary" data-accordion-content> <li class="e-navigation-tertiary-item e-navigation-tertiary-item--first " data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/banking/bonds/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> Premium Bonds </span> </span> </a> </li> <li class="e-navigation-tertiary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/banking/credit-cards/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> Credit cards </span> </span> </a> </li> <li class="e-navigation-tertiary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/banking/current-accounts/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> Current accounts </span> </span> </a> </li> <li class="e-navigation-tertiary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/banking/savings-accounts/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> Savings accounts </span> </span> </a> </li> </ul> <script> (function () { document.querySelectorAll('.site-header__navigation .e-site-header-button__link').forEach(link => { link.addEventListener('click', (e) => { eVar94 = "header-search-icon-mobile"; eVar95 = link.textContent.trim(); eVar96 = "img"; eVar97 = document.title; tmgComponentString = eVar94+";"+eVar95+"_"+eVar96+";"+eVar97; localStorage.setItem("tmgComponentTracking", tmgComponentString); }); }); })(); </script> </li> <li class="e-navigation-secondary-item e-navigation-secondary-item--has-children accordion accordion--sm accordion--is-collapsed " data-accordion-max-screen-width="1" data-accordion> <a class="e-navigation-secondary-item__link" href="/money/investing/" data-track-txt data-test="site-navigation-link" data-accordion-trigger> <span class="e-navigation-secondary-item__link-content"> <span class="e-navigation-secondary-item__link-text e-navigation-border"> Investing </span> <svg class="e-navigation-secondary-item__icon accordion__arrow-icon tmg-svg-icon" width="10" height="6" viewBox="0 0 10 6" fill="none" xmlns="http://www.w3.org/2000/svg"> <path class="tmb-svg-icon-path" d="M1 0.999933L4.99999 5L9 0.999934" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round" fill="none"/> </svg> </span> </a> <ul class="site-navigation__list accordion__content site-navigation__list--tertiary " data-track-wrapper="header-nav-tertiary" data-test="site-nav-list-tertiary" data-accordion-content> <li class="e-navigation-tertiary-item e-navigation-tertiary-item--first " data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/investing/stocks-shares/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> Stocks & Shares </span> </span> </a> </li> <li class="e-navigation-tertiary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/investing/isas/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> ISAs </span> </span> </a> </li> <li class="e-navigation-tertiary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/investing/funds/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> Funds </span> </span> </a> </li> </ul> <script> (function () { document.querySelectorAll('.site-header__navigation .e-site-header-button__link').forEach(link => { link.addEventListener('click', (e) => { eVar94 = "header-search-icon-mobile"; eVar95 = link.textContent.trim(); eVar96 = "img"; eVar97 = document.title; tmgComponentString = eVar94+";"+eVar95+"_"+eVar96+";"+eVar97; localStorage.setItem("tmgComponentTracking", tmgComponentString); }); }); })(); </script> </li> <li class="e-navigation-secondary-item " data-accordion-max-screen-width="1"> <a class="e-navigation-secondary-item__link" href="/money/net-zero/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-secondary-item__link-content"> <span class="e-navigation-secondary-item__link-text e-navigation-border"> Net Zero </span> </span> </a> </li> <li class="e-navigation-secondary-item " data-accordion-max-screen-width="1"> <a class="e-navigation-secondary-item__link" href="/money/tools/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-secondary-item__link-content"> <span class="e-navigation-secondary-item__link-text e-navigation-border"> Calculators </span> </span> </a> </li> <li class="e-navigation-secondary-item e-navigation-secondary-item--current e-navigation-secondary-item--has-children accordion accordion--sm accordion--is-collapsed e-navigation-secondary-item--last" data-current-navigation-item data-accordion-max-screen-width="1" data-accordion> <a class="e-navigation-secondary-item__link" href="/money/guides/" data-track-txt data-test="site-navigation-link" data-accordion-trigger> <span class="e-navigation-secondary-item__link-content"> <span class="e-navigation-secondary-item__link-text e-navigation-border"> Guides </span> <svg class="e-navigation-secondary-item__icon accordion__arrow-icon tmg-svg-icon" width="10" height="6" viewBox="0 0 10 6" fill="none" xmlns="http://www.w3.org/2000/svg"> <path class="tmb-svg-icon-path" d="M1 0.999933L4.99999 5L9 0.999934" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round" fill="none"/> </svg> </span> </a> <ul class="site-navigation__list accordion__content site-navigation__list--tertiary " data-track-wrapper="header-nav-tertiary" data-test="site-nav-list-tertiary" data-accordion-content> <li class="e-navigation-tertiary-item e-navigation-tertiary-item--first " data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/guides/banking-guides/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> Banking guides </span> </span> </a> </li> <li class="e-navigation-tertiary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/guides/investing-guides/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> Investing guides </span> </span> </a> </li> <li class="e-navigation-tertiary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/guides/pension-guides/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> Pension guides </span> </span> </a> </li> <li class="e-navigation-tertiary-item " data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/guides/property-guides/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> Property guides </span> </span> </a> </li> <li class="e-navigation-tertiary-item e-navigation-tertiary-item--last" data-accordion-max-screen-width="1024"> <a class="e-navigation-tertiary-item__link" href="/money/guides/tax-guides/" data-track-txt data-test="site-navigation-link"> <span class="e-navigation-tertiary-item__link-content"> <span class="e-navigation-tertiary-item__link-text e-navigation-border"> Tax guides </span> </span> </a> </li> </ul> <script> (function () { document.querySelectorAll('.site-header__navigation .e-site-header-button__link').forEach(link => { link.addEventListener('click', (e) => { eVar94 = "header-search-icon-mobile"; eVar95 = link.textContent.trim(); eVar96 = "img"; eVar97 = document.title; tmgComponentString = eVar94+";"+eVar95+"_"+eVar96+";"+eVar97; localStorage.setItem("tmgComponentTracking", tmgComponentString); }); }); })(); </script> </li> </ul> <script> (function () { document.querySelectorAll('.site-header__navigation .e-site-header-button__link').forEach(link => { link.addEventListener('click', (e) => { eVar94 = "header-search-icon-mobile"; eVar95 = link.textContent.trim(); eVar96 = "img"; eVar97 = document.title; tmgComponentString = eVar94+";"+eVar95+"_"+eVar96+";"+eVar97; localStorage.setItem("tmgComponentTracking", tmgComponentString); }); }); })(); </script> </nav> </div> </div> </header> <div class="all-sections-modal all-sections-modal--hidden" aria-hidden="true" role="dialog" aria-label="Navigation modal containing links for all sections of the site" data-all-sections-modal=""> <div class="container all-sections__container" data-modal-content-wrapper> <div class="allSectionsRenderer indexRenderer _abstractPageRenderer skeletonRenderer page basicpage"> <div class="all-sections grid "> <div class="all-sections__navigation grid-col grid-col-12 grid-col-md-7"> <div class="all-section__wrapper"> <span class="all-sections__heading all-sections__main-heading u-heading-2" data-test="all-sections-heading">Sections</span> <div class="all-section__country-selector" data-test="country-selector" data-js="country-selector-all-section"> <div class="all-section-country-selector" data-js="country-selector-inner-wrapper"> <div class="all-section-country-selector__wrapper"> <button class="all-section-country-selector__name" data-js="country-selector__button"> <span data-js="country-selector__button-icon" class="all-section-country-selector__icon-flag"> <img src="/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/ui/dist/static/resources/images/flags/UK-SVG.svg" fetchpriority="high" role="presentation" data-test="country-selector-flag-icon"/> </span> <span data-js="country-selector__button-text" data-test="country-selector-button-text"> UK Edition </span> </button> <svg class="all-section-country-selector__icon accordion__arrow-icon tmg-svg-icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 10 5"> <path d="M.312 0L5 2.353 9.687 0 10 .294 5 5 0 .294.312 0z"></path> </svg> </div> <ul class="all-section-country-selector__list"> <li class="all-section-country-selector__item" data-track-wrapper="country-selector-us"> <a href="/us/" class="all-section-country-selector__link" data-country="us" data-js="country-selector-link" data-track-txt data-track-destination="/us/"> <span class="all-section-country-selector__title"> <img class="e-site-header-country-selector__icon-flag" src="/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/ui/dist/static/resources/images/flags/USA-SVG.svg" fetchpriority="high" role="presentation" data-test="country-selector-flag-icon"/> US Edition </span> </a> </li> </ul> </div> </div> </div> <nav aria-label="All sections website navigation" role="navigation"> <ul class="all-sections__list" data-track-wrapper="all-sections-nav"> <li class="all-sections__item all-sections__item--has-children accordion accordion--sm accordion--is-collapsed" id="news" data-accordion-max-screen-width="1024" data-accordion-modal> <a class="all-sections__link all-sections__link--is-primary" href="/news/" data-track-txt data-test="all-sections-link" data-accordion-trigger> <span class="all-sections__link-heading">News</span> <svg class="all-sections__arrow-icon accordion__arrow-icon tmg-svg-icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 10 5"> <path d="M.312 0L5 2.353 9.687 0 10 .294 5 5 0 .294.312 0z"/> </svg> </a> <ul class="all-sections__secondary-list accordion__content" data-test="all-sections-secondary-list" data-accordion-content> <li class="all-sections__secondary-item all-sections__secondary-item--first all-sections__secondary-item--is-home-link"> <a class="all-sections__link" href="/news/" data-track-txt data-test="all-sections-secondary-link"> News home </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/news/uk/" data-track-txt> UK news </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/politics/" data-track-txt> Politics </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/world-news/" data-track-txt> World </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/health-news/" data-track-txt> Health news </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/news/defence/" data-track-txt> Defence </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/science/" data-track-txt> Science </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/education-news/" data-track-txt> Education </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/environment/" data-track-txt> Environment </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/investigations/" data-track-txt> Investigations </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/global-health/" data-track-txt> Global Health Security </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/royal-family/" data-track-txt> Royals </a> </li> </ul> </li> <li class="all-sections__item all-sections__item--has-children accordion accordion--sm accordion--is-collapsed" id="sport" data-accordion-max-screen-width="1024" data-accordion-modal> <a class="all-sections__link all-sections__link--is-primary" href="/sport/" data-track-txt data-test="all-sections-link" data-accordion-trigger> <span class="all-sections__link-heading">Sport</span> <svg class="all-sections__arrow-icon accordion__arrow-icon tmg-svg-icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 10 5"> <path d="M.312 0L5 2.353 9.687 0 10 .294 5 5 0 .294.312 0z"/> </svg> </a> <ul class="all-sections__secondary-list accordion__content" data-test="all-sections-secondary-list" data-accordion-content> <li class="all-sections__secondary-item all-sections__secondary-item--first all-sections__secondary-item--is-home-link"> <a class="all-sections__link" href="/sport/" data-track-txt data-test="all-sections-secondary-link"> Sport home </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/football/" data-track-txt> Football </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/rugby-union/" data-track-txt> Rugby Union </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/cricket/" data-track-txt> Cricket </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/formula-1/" data-track-txt> F1 </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/golf/" data-track-txt> Golf </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/tennis/" data-track-txt> Tennis </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/womens-sport/" data-track-txt> Women's Sport </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/racing/" data-track-txt> Racing </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/cycling/" data-track-txt> Cycling </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/boxing/" data-track-txt> Boxing </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/betting/" data-track-txt> Betting </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/sport-all/" data-track-txt> More... </a> </li> </ul> </li> <li class="all-sections__item all-sections__item--has-children accordion accordion--sm accordion--is-collapsed" id="business" data-accordion-max-screen-width="1024" data-accordion-modal> <a class="all-sections__link all-sections__link--is-primary" href="/business/" data-track-txt data-test="all-sections-link" data-accordion-trigger> <span class="all-sections__link-heading">Business</span> <svg class="all-sections__arrow-icon accordion__arrow-icon tmg-svg-icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 10 5"> <path d="M.312 0L5 2.353 9.687 0 10 .294 5 5 0 .294.312 0z"/> </svg> </a> <ul class="all-sections__secondary-list accordion__content" data-test="all-sections-secondary-list" data-accordion-content> <li class="all-sections__secondary-item all-sections__secondary-item--first all-sections__secondary-item--is-home-link"> <a class="all-sections__link" href="/business/" data-track-txt data-test="all-sections-secondary-link"> Business home </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/business/economy/" data-track-txt> Economy </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/business/companies/" data-track-txt> Companies </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/business/markets/" data-track-txt> Markets </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/technology/" data-track-txt> Tech </a> </li> </ul> </li> <li class="all-sections__item all-sections__item--has-children accordion accordion--sm accordion--is-collapsed" id="money" data-accordion-max-screen-width="1024" data-accordion-modal> <a class="all-sections__link all-sections__link--is-primary" href="/money/" data-track-txt data-test="all-sections-link" data-accordion-trigger> <span class="all-sections__link-heading">Money</span> <svg class="all-sections__arrow-icon accordion__arrow-icon tmg-svg-icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 10 5"> <path d="M.312 0L5 2.353 9.687 0 10 .294 5 5 0 .294.312 0z"/> </svg> </a> <ul class="all-sections__secondary-list accordion__content" data-test="all-sections-secondary-list" data-accordion-content> <li class="all-sections__secondary-item all-sections__secondary-item--first all-sections__secondary-item--is-home-link"> <a class="all-sections__link" href="/money/" data-track-txt data-test="all-sections-secondary-link"> Money home </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/money/property/" data-track-txt> Property </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/money/tax/" data-track-txt> Tax </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/money/pensions/" data-track-txt> Pensions </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/money/banking/" data-track-txt> Banking </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/money/investing/" data-track-txt> Investing </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/money/net-zero/" data-track-txt> Net Zero </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/money/tools/" data-track-txt> Calculators </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/money/guides/" data-track-txt> Guides </a> </li> </ul> </li> <li class="all-sections__item all-sections__item--has-children accordion accordion--sm accordion--is-collapsed" id="opinion" data-accordion-max-screen-width="1024" data-accordion-modal> <a class="all-sections__link all-sections__link--is-primary" href="/opinion/" data-track-txt data-test="all-sections-link" data-accordion-trigger> <span class="all-sections__link-heading">Opinion</span> <svg class="all-sections__arrow-icon accordion__arrow-icon tmg-svg-icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 10 5"> <path d="M.312 0L5 2.353 9.687 0 10 .294 5 5 0 .294.312 0z"/> </svg> </a> <ul class="all-sections__secondary-list accordion__content" data-test="all-sections-secondary-list" data-accordion-content> <li class="all-sections__secondary-item all-sections__secondary-item--first all-sections__secondary-item--is-home-link"> <a class="all-sections__link" href="/opinion/" data-track-txt data-test="all-sections-secondary-link"> Opinion home </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/obituaries/" data-track-txt> Obituaries </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/opinion/letters/" data-track-txt> Letters to the Editor </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/opinion/telegraph-view/" data-track-txt> Telegraph View </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/opinion/columnists/" data-track-txt> Our columnists </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/opinion/cartoons/" data-track-txt> Cartoons </a> </li> </ul> </li> <li class="all-sections__item all-sections__item--has-children accordion accordion--sm accordion--is-collapsed" id="ukraine" data-accordion-max-screen-width="1024" data-accordion-modal> <a class="all-sections__link all-sections__link--is-primary" href="/russia-ukraine-war/" data-track-txt data-test="all-sections-link" data-accordion-trigger> <span class="all-sections__link-heading">Ukraine</span> <svg class="all-sections__arrow-icon accordion__arrow-icon tmg-svg-icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 10 5"> <path d="M.312 0L5 2.353 9.687 0 10 .294 5 5 0 .294.312 0z"/> </svg> </a> <ul class="all-sections__secondary-list accordion__content" data-test="all-sections-secondary-list" data-accordion-content> <li class="all-sections__secondary-item all-sections__secondary-item--first all-sections__secondary-item--is-home-link"> <a class="all-sections__link" href="/russia-ukraine-war/" data-track-txt data-test="all-sections-secondary-link"> Ukraine home </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="https://www.telegraph.co.uk/news/2022/03/02/russia-ukraine-war-listen-daily-podcast/" data-track-txt> Daily podcast </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="https://www.telegraph.co.uk/secure/newsletter/dispatches" data-track-txt> Daily newsletter </a> </li> </ul> </li> <li class="all-sections__item " id="us-election" data-accordion-max-screen-width="1024"> <a class="all-sections__link all-sections__link--is-primary" href="/us-election/" data-track-txt data-test="all-sections-link"> <span class="all-sections__link-heading">US election</span> </a> </li> <li class="all-sections__item all-sections__item--has-children accordion accordion--sm accordion--is-collapsed" id="travel" data-accordion-max-screen-width="1024" data-accordion-modal> <a class="all-sections__link all-sections__link--is-primary" href="/travel/" data-track-txt data-test="all-sections-link" data-accordion-trigger> <span class="all-sections__link-heading">Travel</span> <svg class="all-sections__arrow-icon accordion__arrow-icon tmg-svg-icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 10 5"> <path d="M.312 0L5 2.353 9.687 0 10 .294 5 5 0 .294.312 0z"/> </svg> </a> <ul class="all-sections__secondary-list accordion__content" data-test="all-sections-secondary-list" data-accordion-content> <li class="all-sections__secondary-item all-sections__secondary-item--first all-sections__secondary-item--is-home-link"> <a class="all-sections__link" href="/travel/" data-track-txt data-test="all-sections-secondary-link"> Travel home </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/travel/destinations/europe/" data-track-txt> Europe </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/travel/destinations/europe/united-kingdom/" data-track-txt> UK </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/travel/destinations/worldwide/" data-track-txt> Worldwide </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/travel/city-breaks/" data-track-txt> City breaks </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/travel/hotels/" data-track-txt> Hotels </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/travel/cruises/" data-track-txt> Cruise </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/travel/ski/" data-track-txt> Ski </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/travel/advice/" data-track-txt> Advice </a> </li> </ul> </li> <li class="all-sections__item all-sections__item--has-children accordion accordion--sm accordion--is-collapsed" id="health" data-accordion-max-screen-width="1024" data-accordion-modal> <a class="all-sections__link all-sections__link--is-primary" href="/health-fitness/" data-track-txt data-test="all-sections-link" data-accordion-trigger> <span class="all-sections__link-heading">Health</span> <svg class="all-sections__arrow-icon accordion__arrow-icon tmg-svg-icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 10 5"> <path d="M.312 0L5 2.353 9.687 0 10 .294 5 5 0 .294.312 0z"/> </svg> </a> <ul class="all-sections__secondary-list accordion__content" data-test="all-sections-secondary-list" data-accordion-content> <li class="all-sections__secondary-item all-sections__secondary-item--first all-sections__secondary-item--is-home-link"> <a class="all-sections__link" href="/health-fitness/" data-track-txt data-test="all-sections-secondary-link"> Health home </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/health-fitness/diet/" data-track-txt> Diet </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/health-fitness/fitness/" data-track-txt> Fitness </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/health-fitness/conditions/" data-track-txt> Conditions </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/health-fitness/wellbeing/" data-track-txt> Wellbeing </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/health-fitness/parenting/" data-track-txt> Parenting </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/health-fitness/guides/" data-track-txt> Guides </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/health-fitness/tools/" data-track-txt> Tools </a> </li> </ul> </li> <li class="all-sections__item all-sections__item--has-children accordion accordion--sm accordion--is-collapsed" id="lifestyle" data-accordion-max-screen-width="1024" data-accordion-modal> <a class="all-sections__link all-sections__link--is-primary" href="/lifestyle/" data-track-txt data-test="all-sections-link" data-accordion-trigger> <span class="all-sections__link-heading">Lifestyle</span> <svg class="all-sections__arrow-icon accordion__arrow-icon tmg-svg-icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 10 5"> <path d="M.312 0L5 2.353 9.687 0 10 .294 5 5 0 .294.312 0z"/> </svg> </a> <ul class="all-sections__secondary-list accordion__content" data-test="all-sections-secondary-list" data-accordion-content> <li class="all-sections__secondary-item all-sections__secondary-item--first all-sections__secondary-item--is-home-link"> <a class="all-sections__link" href="/lifestyle/" data-track-txt data-test="all-sections-secondary-link"> Lifestyle home </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/recipes/" data-track-txt> Recipes </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/food-and-drink/" data-track-txt> Food & Drink </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/fashion/" data-track-txt> Fashion </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/beauty/" data-track-txt> Beauty </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/luxury/" data-track-txt> Luxury </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/cars/" data-track-txt> Cars </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/gardening/" data-track-txt> Gardening </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/recommended/" data-track-txt> Recommended </a> </li> </ul> </li> <li class="all-sections__item all-sections__item--has-children accordion accordion--sm accordion--is-collapsed" id="culture" data-accordion-max-screen-width="1024" data-accordion-modal> <a class="all-sections__link all-sections__link--is-primary" href="/culture/" data-track-txt data-test="all-sections-link" data-accordion-trigger> <span class="all-sections__link-heading">Culture</span> <svg class="all-sections__arrow-icon accordion__arrow-icon tmg-svg-icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 10 5"> <path d="M.312 0L5 2.353 9.687 0 10 .294 5 5 0 .294.312 0z"/> </svg> </a> <ul class="all-sections__secondary-list accordion__content" data-test="all-sections-secondary-list" data-accordion-content> <li class="all-sections__secondary-item all-sections__secondary-item--first all-sections__secondary-item--is-home-link"> <a class="all-sections__link" href="/culture/" data-track-txt data-test="all-sections-secondary-link"> Culture home </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/tv/" data-track-txt> TV </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/films/" data-track-txt> Film </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/music/" data-track-txt> Music </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/books/" data-track-txt> Books </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/theatre/" data-track-txt> Theatre </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/comedy/" data-track-txt> Comedy </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/dance/" data-track-txt> Dance </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/opera/" data-track-txt> Opera </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/music/classical-music/" data-track-txt> Classical </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="/art/" data-track-txt> Art </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" data-track-txt> </a> </li> <li class="all-sections__secondary-item"> <a class="all-sections__link" href="https://www.telegraph.co.uk/theatre/tickets/" data-track-txt> Telegraph Tickets </a> </li> </ul> </li> <li class="all-sections__item " id="puzzles" data-accordion-max-screen-width="1024"> <a class="all-sections__link all-sections__link--is-primary" href="https://www.telegraph.co.uk/puzzles/" data-track-txt data-test="all-sections-link"> <span class="all-sections__link-heading">Puzzles</span> </a> </li> <li class="all-sections__item " id="podcasts" data-accordion-max-screen-width="1024"> <a class="all-sections__link all-sections__link--is-primary" href="/podcasts/" data-track-txt data-test="all-sections-link"> <span class="all-sections__link-heading">Podcasts</span> </a> </li> </ul> </nav> </div>  <aside class="all-section__selector grid-col grid-col-12 grid-col-md-5 grid-col-lg-4" data-test="country-selector-all-section"> <div class="all-sections__navigation grid-col grid-col-12 grid-col-md-7" data-js="country-selector-all-section"> <nav aria-label="All sections website navigation" role="navigation"> <ul class="all-sections__list"> <li class="all-sections__item all-sections__item--has-children accordion accordion--sm accordion--is-collapsed" id="country" data-accordion-max-screen-width="1024" data-accordion-modal=""> <a class="all-sections__link all-sections__link--is-primary" href="/" data-track-txt="" data-test="all-sections-link" data-accordion-trigger=""> <span class="all-sections__link-heading" data-js="country-selector__button"> <span data-js="country-selector__button-icon" class="all-sections-country-selector__icon-flag"> <img src="/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/ui/dist/static/resources/images/flags/UK-SVG.svg" fetchpriority="high" role="presentation" class="all-sections-country-selector__icon-flag-link" data-test="country-selector-flag-icon"/> </span> <span data-js="country-selector__button-text" data-test="country-selector-button-text"> UK Edition </span> </span> <svg class="all-sections__arrow-icon accordion__arrow-icon tmg-svg-icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 10 5"> <path d="M.312 0L5 2.353 9.687 0 10 .294 5 5 0 .294.312 0z"></path> </svg> </a> <ul class="all-sections__secondary-list accordion__content" data-test="all-sections-secondary-list" data-accordion-content=""> <li class="all-sections__secondary-item" data-track-wrapper="country-selector-us"> <a href="/us/" class="all-sections__link" data-country="us" data-js="country-selector-link" data-track-txt data-track-destination="/us/"> <span class="all-sections-country-selector__wrapper"> <img class="e-site-header-country-selector__icon-flag" src="/etc.clientlibs/settings/wcm/designs/telegraph/core/clientlibs/ui/dist/static/resources/images/flags/USA-SVG.svg" fetchpriority="high" role="presentation" data-test="country-selector-flag-icon"/> US Edition </span> </a> </li> </ul> </li> </ul> </nav> </div> </aside>  <aside class="all-sections__utilities grid-col grid-col-12 grid-col-md-5 grid-col-lg-4"> <div class="all-sections__subscribe-button"> <a href="https://secure.telegraph.co.uk/customer/subscribe/" class="all-sections__subscribe-button-link" data-icid="{ 'product': 'premiumsub', 'contentLocation': 'all-sections-nav' }"> <span class="all-sections__subscribe-button-text all-sections__subscribe-button-text--message"> Subscribe now </span> </a> </div> <div class="all-sections__utilities-inner"> <div class="all-sections__user-state-wrapper"> <div class="all-sections__user-state all-sections__user-state"> <a href="https://secure.telegraph.co.uk/customer/secure/login/?redirectTo=" class="all-sections__user-state-link" aria-label="Log in to The Telegraph" data-redirect-current rel="nofollow"> <span class="all-sections__user-state-text">Log in</span> <svg class="all-sections__user-state-icon all-sections__user-state-icon--login" width="20" height="20" viewBox="0 0 20 20" fill="none" xmlns="http://www.w3.org/2000/svg"> <title>Login icon</title> <path d="M15 2H9.00002V3.5H15C15.2762 3.5 15.5 3.72386 15.5 4V16C15.5 16.2761 15.2762 16.5 15 16.5H9.00002V18H15C16.1046 18 17 17.1046 17 16V4C17 2.89543 16.1046 2 15 2ZM1 9.25H7.61837L5.30004 5.64L6.10003 5L10.6 10L6.10003 15L5.30004 14.36L7.61839 10.75H1V9.25Z"/> </svg> </a> </div> </div> <div class="all-sections__social-bar" data-test="all-sections-social-bar"> <span class="all-sections__social-description">Follow us on:</span> <ul class="all-sections__social-links" data-test="social-links"> <li class="all-sections__social-item"> <a href="https://www.facebook.com/TELEGRAPH.CO.UK/" class="all-sections__social-link" data-test="social-link-facebook" aria-label="Visit our Facebook page" target="_blank" rel="noopener noreferrer"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20" class="all-sections__social-icon"> <title>Facebook icon</title> <path d="M11.1973 18V10.7122H13.5654L13.9202 7.85967H11.1973V6.04325C11.1973 5.21877 11.4173 4.65746 12.5561 4.65746H14V2.11226C13.7481 2.07729 12.8878 2 11.8856 2C9.79246 2 8.3592 3.32505 8.3592 5.75983V7.85967H6V10.7122H8.3592V18H11.1973Z"/> </svg> </a> </li> <li class="all-sections__social-item"> <a href="https://www.instagram.com/telegraph/" class="all-sections__social-link" data-test="social-link-instagram" aria-label="Visit our Instagram page" target="_blank" rel="noopener noreferrer"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20" class="all-sections__social-icon"> <title>Instagram icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M9.99683 3.44156C12.1333 3.44156 12.3841 3.45108 13.2286 3.48918C14.0095 3.52411 14.4317 3.6543 14.7143 3.76543C15.0889 3.91149 15.3556 4.08295 15.6349 4.36237C15.9143 4.64179 16.0889 4.90851 16.2317 5.28319C16.3397 5.56579 16.473 5.98809 16.5079 6.7692C16.546 7.61381 16.5556 7.86466 16.5556 10.0016C16.5556 12.1385 16.546 12.3894 16.5079 13.234C16.473 14.0151 16.3429 14.4374 16.2317 14.72C16.0857 15.0947 15.9143 15.3614 15.6349 15.6408C15.3556 15.9202 15.0889 16.0949 14.7143 16.2377C14.4317 16.3457 14.0095 16.4791 13.2286 16.514C12.3841 16.5521 12.1333 16.5616 9.99683 16.5616C7.86032 16.5616 7.60952 16.5521 6.76508 16.514C5.98413 16.4791 5.56191 16.3489 5.27937 16.2377C4.90476 16.0917 4.6381 15.9202 4.35873 15.6408C4.07937 15.3614 3.90476 15.0947 3.7619 14.72C3.65397 14.4374 3.52064 14.0151 3.48571 13.234C3.44762 12.3894 3.4381 12.1385 3.4381 10.0016C3.4381 7.86466 3.44762 7.61381 3.48571 6.7692C3.52064 5.98809 3.65079 5.56579 3.7619 5.28319C3.90794 4.90851 4.07937 4.64179 4.35873 4.36237C4.6381 4.08295 4.90476 3.90832 5.27937 3.76543C5.56191 3.65747 5.98413 3.52411 6.76508 3.48918C7.60952 3.44791 7.86349 3.44156 9.99683 3.44156ZM9.99683 2C7.8254 2 7.55238 2.00953 6.69841 2.04763C5.84762 2.08573 5.26667 2.22227 4.75873 2.41913C4.23175 2.62235 3.7873 2.89859 3.34286 3.34312C2.89841 3.78766 2.6254 4.23536 2.41905 4.75928C2.22222 5.26732 2.08571 5.84838 2.04762 6.70252C2.00952 7.55348 2 7.82655 2 9.99841C2 12.1703 2.00952 12.4433 2.04762 13.2975C2.08571 14.1484 2.22222 14.7295 2.41905 15.2407C2.62222 15.7678 2.89841 16.2123 3.34286 16.6569C3.7873 17.1014 4.23492 17.3745 4.75873 17.5809C5.26667 17.7777 5.84762 17.9143 6.70159 17.9524C7.55556 17.9905 7.8254 18 10 18C12.1746 18 12.4444 17.9905 13.2984 17.9524C14.1492 17.9143 14.7302 17.7777 15.2413 17.5809C15.7683 17.3777 16.2127 17.1014 16.6571 16.6569C17.1016 16.2123 17.3746 15.7646 17.581 15.2407C17.7778 14.7327 17.9143 14.1516 17.9524 13.2975C17.9905 12.4433 18 12.1734 18 9.99841C18 7.82338 17.9905 7.55348 17.9524 6.69935C17.9143 5.84838 17.7778 5.26732 17.581 4.7561C17.3778 4.22901 17.1016 3.78448 16.6571 3.33995C16.2127 2.89542 15.7651 2.62235 15.2413 2.41596C14.7333 2.21909 14.1524 2.08256 13.2984 2.04445C12.4413 2.00953 12.1683 2 9.99683 2ZM9.99661 5.89313C7.72994 5.89313 5.88867 7.73159 5.88867 10.0019C5.88867 12.2722 7.72677 14.1106 9.99661 14.1106C12.2665 14.1106 14.1045 12.2722 14.1045 10.0019C14.1045 7.73159 12.2665 5.89313 9.99661 5.89313ZM9.99661 12.6659C8.52359 12.6659 7.32994 11.472 7.32994 9.9987C7.32994 8.5254 8.52359 7.33151 9.99661 7.33151C11.4696 7.33151 12.6633 8.5254 12.6633 9.9987C12.6633 11.472 11.4696 12.6659 9.99661 12.6659ZM15.2258 5.72778C15.2258 6.25738 14.7966 6.6867 14.2671 6.6867C13.7376 6.6867 13.3083 6.25738 13.3083 5.72778C13.3083 5.19818 13.7376 4.76886 14.2671 4.76886C14.7966 4.76886 15.2258 5.19818 15.2258 5.72778Z"/> </svg> </a> </li> <li class="all-sections__social-item"> <a href="https://twitter.com/@Telegraph" class="all-sections__social-link" data-test="social-link-twitter" aria-label="Visit our Twitter page" target="_blank" rel="noopener noreferrer"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20" class="all-sections__social-icon"> <title>X icon</title> <path d="M11.4894 8.77491L17.3177 2H15.9366L10.8759 7.88256L6.83392 2H2.172L8.28424 10.8955L2.172 18H3.55319L8.89742 11.7878L13.166 18H17.828L11.4891 8.77491H11.4894ZM9.59768 10.9738L8.97839 10.0881L4.05086 3.03974H6.17229L10.1489 8.72795L10.7682 9.61374L15.9372 17.0075H13.8158L9.59768 10.9742V10.9738Z"/> </svg> </a> </li> <li class="all-sections__social-item"> <a href="https://www.snapchat.com/discover/The_Telegraph/8148798159" class="all-sections__social-link" data-test="social-link-snapchat" aria-label="Visit our Snapchat page" target="_blank" rel="noopener noreferrer"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20" class="all-sections__social-icon"> <title>Snapchat icon</title> <path d="M17.9422 13.7043C17.8318 13.3971 17.6194 13.2311 17.3783 13.0983C17.3334 13.0734 17.2925 13.0485 17.2558 13.0319C17.1822 12.9946 17.1087 12.9572 17.0351 12.9198C16.2834 12.5131 15.695 12.0067 15.2905 11.4008C15.1761 11.2306 15.074 11.048 14.9923 10.8612C14.9555 10.7616 14.9596 10.7035 14.9841 10.6495C15.0086 10.608 15.0413 10.5748 15.0821 10.5458C15.2129 10.4586 15.3436 10.3715 15.4335 10.3134C15.5929 10.2054 15.7236 10.1224 15.8053 10.0643C16.1118 9.84436 16.3283 9.61193 16.4631 9.35045C16.6552 8.98521 16.6797 8.55772 16.5326 8.17172C16.3283 7.62386 15.8217 7.28768 15.2047 7.28768C15.074 7.28768 14.9473 7.30013 14.8166 7.32918C14.7839 7.33748 14.7471 7.34578 14.7144 7.35409C14.7185 6.98054 14.7103 6.58625 14.6777 6.19611C14.5633 4.83061 14.0893 4.11673 13.599 3.54812C13.2844 3.19118 12.9167 2.8882 12.5041 2.65162C11.7605 2.21997 10.9147 2 9.99542 2C9.07613 2 8.23447 2.21997 7.49087 2.65162C7.07821 2.8882 6.7105 3.19118 6.39589 3.54812C5.90561 4.11673 5.43575 4.83476 5.31726 6.19611C5.28458 6.58625 5.27641 6.98054 5.28049 7.35409C5.24781 7.34578 5.21512 7.33748 5.17835 7.32918C5.05169 7.30013 4.92095 7.28768 4.79429 7.28768C4.17735 7.28768 3.67072 7.62802 3.46643 8.17172C3.31934 8.55772 3.34386 8.98521 3.53589 9.35045C3.67072 9.61193 3.88726 9.84436 4.19369 10.0643C4.2754 10.1224 4.40206 10.2054 4.56549 10.3134C4.65129 10.3715 4.77795 10.4545 4.90461 10.5375C4.94955 10.5665 4.98632 10.6039 5.01492 10.6495C5.03943 10.7035 5.04352 10.7616 5.00266 10.8695C4.92095 11.0521 4.82289 11.2306 4.70849 11.3966C4.31218 11.986 3.74017 12.4882 3.01291 12.8908C2.62886 13.0983 2.22846 13.2353 2.05685 13.7043C1.9302 14.0571 2.01191 14.4555 2.33468 14.7959C2.45317 14.9204 2.59208 15.0283 2.74326 15.1113C3.05786 15.2856 3.39289 15.4226 3.74426 15.518C3.8178 15.5388 3.88317 15.5678 3.94446 15.6093C4.06295 15.7131 4.0466 15.8708 4.20186 16.1032C4.27949 16.2236 4.38163 16.3274 4.49603 16.4104C4.82698 16.6428 5.19878 16.6553 5.59101 16.6719C5.94647 16.6843 6.34687 16.7009 6.80855 16.8545C7.00058 16.9167 7.1967 17.0412 7.4255 17.1865C7.97707 17.531 8.72884 18 9.99133 18C11.2538 18 12.0097 17.5268 12.5653 17.1824C12.7941 17.0412 12.9903 16.9167 13.1741 16.8545C13.6317 16.7009 14.0362 16.6843 14.3917 16.6719C14.7839 16.6553 15.1557 16.6428 15.4866 16.4104C15.6255 16.3108 15.7399 16.1863 15.8217 16.0368C15.9361 15.8418 15.932 15.7048 16.0382 15.6093C16.0954 15.5678 16.1608 15.5388 16.2262 15.5222C16.5775 15.4267 16.9207 15.2898 17.2394 15.1113C17.3988 15.0241 17.5458 14.9079 17.6684 14.7709L17.6725 14.7668C17.9912 14.4348 18.0688 14.0446 17.9422 13.7043ZM16.8227 14.3144C16.1404 14.6962 15.6827 14.6547 15.3314 14.8872C15.029 15.0822 15.2088 15.5056 14.9923 15.6591C14.7226 15.8459 13.93 15.6467 12.9085 15.9912C12.0628 16.2734 11.5276 17.0911 10.0077 17.0911C8.48779 17.0911 7.96481 16.2776 7.10681 15.9912C6.08538 15.6467 5.29275 15.8501 5.02309 15.6591C4.80655 15.5056 4.98223 15.0822 4.68398 14.8872C4.32852 14.6547 3.875 14.6962 3.19269 14.3144C2.75551 14.0695 3.00474 13.9201 3.14774 13.8495C5.62369 12.6335 6.02001 10.7533 6.03635 10.6122C6.05678 10.442 6.08129 10.3092 5.89744 10.139C5.72175 9.97302 4.93729 9.47912 4.71666 9.32555C4.35712 9.06822 4.19777 8.81505 4.31626 8.49961C4.39798 8.28379 4.59818 8.20078 4.80655 8.20078C4.87192 8.20078 4.93729 8.20908 5.00266 8.22153C5.39898 8.30869 5.78304 8.50791 6.00367 8.56602C6.03227 8.57432 6.05678 8.57847 6.08538 8.57847C6.20387 8.57847 6.24472 8.51621 6.23655 8.37925C6.21204 7.9393 6.15075 7.08431 6.22021 6.28327C6.31418 5.1834 6.66147 4.63554 7.07821 4.15409C7.27841 3.92166 8.21404 2.91725 10.0077 2.91725C11.8013 2.91725 12.7369 3.91751 12.9371 4.14994C13.3539 4.63139 13.7012 5.17925 13.7951 6.27912C13.8646 7.08016 13.8033 7.93515 13.7747 8.3751C13.7665 8.52036 13.8074 8.57432 13.9259 8.57432C13.9545 8.57432 13.979 8.57017 14.0076 8.56187C14.2282 8.50791 14.6123 8.30454 15.0086 8.21738C15.074 8.20078 15.1393 8.19663 15.2047 8.19663C15.4131 8.19663 15.6133 8.27964 15.695 8.49546C15.8135 8.81089 15.6541 9.06407 15.2946 9.3214C15.0781 9.47497 14.2936 9.96887 14.1138 10.1349C13.93 10.3051 13.9545 10.4379 13.9749 10.608C13.9913 10.7492 14.3876 12.6293 16.8635 13.8454C17.0106 13.916 17.2558 14.0695 16.8227 14.3144Z"/> </svg> </a> </li> <li class="all-sections__social-item"> <a href="https://www.linkedin.com/company/9053/" class="all-sections__social-link" data-test="social-link-linkedin" aria-label="Visit our LinkedIn page" target="_blank" rel="noopener noreferrer"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20" class="all-sections__social-icon"> <title>LinkedIn icon</title> <path d="M5.51774 18H2.22695V7.33333H5.51774V18ZM3.92907 5.85816C2.9078 5.85816 2 4.95035 2 3.92908C2 2.9078 2.9078 2 3.92907 2C4.95035 2 5.85815 2.9078 5.85815 3.92908C5.85815 4.95035 4.95035 5.85816 3.92907 5.85816ZM18 18H14.7092V12.7801C14.7092 11.5319 14.7092 9.94326 13.0071 9.94326C11.305 9.94326 10.9645 11.305 10.9645 12.6667V17.8865H7.67376V7.21986H10.8511V8.69504C11.5319 7.56028 12.6667 6.87943 14.0284 6.99291C17.4326 6.99291 18 9.14894 18 12.0993V18Z"/> </svg> </a> </li> <li class="all-sections__social-item"> <a href="https://www.youtube.com/channel/UCPgLNge0xqQHWM5B5EFH9Cg" class="all-sections__social-link" data-test="social-link-youtube" aria-label="Visit our YouTube page" target="_blank" rel="noopener noreferrer"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20" class="all-sections__social-icon"> <title>YouTube icon</title> <path d="M17.6636 6.07372C17.4818 5.37326 16.9364 4.82027 16.2455 4.62672C15 4.28571 10 4.28571 10 4.28571C10 4.28571 5 4.28571 3.74545 4.62672C3.05455 4.81105 2.51818 5.36405 2.32727 6.07372C2 7.34561 2 9.99999 2 9.99999C2 9.99999 2 12.6544 2.33636 13.9263C2.51818 14.6267 3.06364 15.1797 3.75455 15.3733C5 15.7143 10 15.7143 10 15.7143C10 15.7143 15 15.7143 16.2545 15.3733C16.9455 15.1889 17.4818 14.6359 17.6727 13.9263C18 12.6544 18 9.99999 18 9.99999C18 9.99999 18 7.34561 17.6636 6.07372Z"/> <path class="youtube-arrow" d="M8.36353 12.4141L12.5454 9.99937L8.36353 7.58463V12.4141Z"/> </svg> </a> </li> </ul> </div> </div> </aside> <aside class="all-sections__more-container grid-col grid-col-12 grid-col-md-5 grid-col-lg-4"> <span class="all-sections__heading all-sections__more-heading u-heading-3" data-test="all-sections-more-heading">More from The Telegraph</span> <nav aria-label="More from the Telegraph navigation" role="navigation"> <ul class="all-sections__more-list" data-test="all-sections-more-list"> <li class="all-sections__more-item" data-test="all-sections-more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/customer/subsdigitaleditionapp/" data-test="all-sections-more-link"> Download our app </a> </li> <li class="all-sections__more-item" data-test="all-sections-more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/newsletters" data-test="all-sections-more-link"> Newsletters </a> </li> <li class="all-sections__more-item" data-test="all-sections-more-item"> <a class="all-sections__more-link" href="https://extra.telegraph.co.uk/" data-test="all-sections-more-link"> Telegraph Extra </a> </li> <li class="all-sections__more-item" data-test="all-sections-more-item"> <a class="all-sections__more-link" href="/recommended/" data-test="all-sections-more-link"> Recommended </a> </li> <li class="all-sections__more-item" data-test="all-sections-more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/financial-services/" data-test="all-sections-more-link"> Financial Solutions </a> </li> <li class="all-sections__more-item" data-test="all-sections-more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/events/" data-test="all-sections-more-link"> Events </a> </li> <li class="all-sections__more-item" data-test="all-sections-more-item"> <a class="all-sections__more-link" href="https://dating.telegraph.co.uk/s/a/20500?utm_source=hamburger&utm_medium=TMGmain" data-test="all-sections-more-link"> Dating </a> </li> <li class="all-sections__more-item" data-test="all-sections-more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/promotions/" data-test="all-sections-more-link"> Offers </a> </li> <li class="all-sections__more-item" data-test="all-sections-more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/travel/travel-solutions/" data-test="all-sections-more-link"> Travel offers </a> </li> <li class="all-sections__more-item" data-test="all-sections-more-item"> <a class="all-sections__more-link" href="https://shop.telegraph.co.uk/" data-test="all-sections-more-link"> Shop </a> </li> <li class="all-sections__more-item" data-test="all-sections-more-item"> <a class="all-sections__more-link" href="https://gardenshop.telegraph.co.uk/" data-test="all-sections-more-link"> Garden shop </a> </li> <li class="all-sections__more-item" data-test="all-sections-more-item"> <a class="all-sections__more-link" href="https://books.telegraph.co.uk/" data-test="all-sections-more-link"> Bookshop </a> </li> <li class="all-sections__more-item" data-test="all-sections-more-item"> <a class="all-sections__more-link" href="https://tickets.telegraph.co.uk/?utm_source=TMG+main&utm_medium=hamburger+menu&utm_campaign=evergreen" data-test="all-sections-more-link"> Tickets </a> </li> <li class="all-sections__more-item" data-test="all-sections-more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/puzzles/" data-test="all-sections-more-link"> Puzzles </a> </li> <li class="all-sections__more-item" data-test="all-sections-more-item"> <a class="all-sections__more-link" href="https://fantasyfootball.telegraph.co.uk/" data-test="all-sections-more-link"> Fantasy Football </a> </li> <li class="all-sections__more-item" data-test="all-sections-more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/about-us/work-at-the-telegraph/" data-test="all-sections-more-link"> Work at The Telegraph </a> </li> <li class="all-sections__more-item" data-test="all-sections-more-item"> <a class="all-sections__more-link" href="https://corporate.telegraph.co.uk/" data-test="all-sections-more-link"> Telegraph Corporate </a> </li> <li class="all-sections__more-item" data-test="all-sections-more-item"> <a class="all-sections__more-link" href="/contact-us/" data-test="all-sections-more-link"> Help and support </a> </li> <li class="all-sections__more-item" data-test="all-sections-more-item"> <a class="all-sections__more-link" href="https://www.chelseamagazines.com/brands/" data-test="all-sections-more-link"> The Chelsea Magazine Company </a> </li> <li class="all-sections__more-item" data-test="all-sections-more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/compare" data-test="all-sections-more-link"> Broadband and Mobile Deals </a> </li> <li class="all-sections__more-item" data-test="all-sections-more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/vouchercodes" data-test="all-sections-more-link"> Voucher codes </a> <section class="all-sections__more-secondary-item accordion accordion--is-collapsed" data-test="all-sections-more-secondary-item" data-accordion-max-screen-width="0" id="voucher-codes" data-accordion-modal> <button class="all-sections__more-secondary-cta" aria-controls="voucher-codes-content" aria-label="Show See top shops sub-navigation" data-test="all-sections-more-secondary-cta" aria-expanded="false" toggle-aria-label data-accordion-trigger> <span>See top shops</span> <svg class="all-sections__more-secondary-item-icon accordion__arrow-icon tmg-svg-icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 10 5"> <path d="M.312 0L5 2.353 9.687 0 10 .294 5 5 0 .294.312 0z"/> </svg> </button> <ul class="all-sections__more-secondary-list accordion__content" data-test="all-sections-more-secondary-list" data-accordion-content id="voucher-codes-content"> <li class="all-sections__more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/vouchercodes/samsung" data-test="all-sections-more-secondary-link" data-track-txt> Samsung </a> </li> <li class="all-sections__more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/vouchercodes/nike-com" data-test="all-sections-more-secondary-link" data-track-txt> Nike </a> </li> <li class="all-sections__more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/vouchercodes/asos" data-test="all-sections-more-secondary-link" data-track-txt> ASOS </a> </li> <li class="all-sections__more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/vouchercodes/ebay" data-test="all-sections-more-secondary-link" data-track-txt> eBay </a> </li> <li class="all-sections__more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/vouchercodes/currys" data-test="all-sections-more-secondary-link" data-track-txt> Currys </a> </li> <li class="all-sections__more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/vouchercodes/wayfair" data-test="all-sections-more-secondary-link" data-track-txt> Wayfair </a> </li> <li class="all-sections__more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/vouchercodes/tui" data-test="all-sections-more-secondary-link" data-track-txt> TUI </a> </li> <li class="all-sections__more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/vouchercodes/jd-sports" data-test="all-sections-more-secondary-link" data-track-txt> JD Sports </a> </li> <li class="all-sections__more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/vouchercodes/travelodge" data-test="all-sections-more-secondary-link" data-track-txt> Travelodge </a> </li> <li class="all-sections__more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/vouchercodes/adidas" data-test="all-sections-more-secondary-link" data-track-txt> Adidas </a> </li> <li class="all-sections__more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/compare/broadband" data-test="all-sections-more-secondary-link" data-track-txt> Broadband deals </a> </li> <li class="all-sections__more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/compare/broadband/cheap-broadband" data-test="all-sections-more-secondary-link" data-track-txt> Cheap broadband </a> </li> <li class="all-sections__more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/compare/broadband/in-my-area" data-test="all-sections-more-secondary-link" data-track-txt> Broadband in my area </a> </li> <li class="all-sections__more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/compare/broadband/broadband-tv-deals" data-test="all-sections-more-secondary-link" data-track-txt> Broadband and TV deals </a> </li> <li class="all-sections__more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/compare/mobile" data-test="all-sections-more-secondary-link" data-track-txt> Mobile deals </a> </li> <li class="all-sections__more-item"> <a class="all-sections__more-link" href="https://www.telegraph.co.uk/compare/mobile/sim-only-deals" data-test="all-sections-more-secondary-link" data-track-txt> SIM-only deals </a> </li> </ul> </section> </li> </ul> </nav> </aside> </div> </div> </div> </div> <script> (function () { document.querySelectorAll('.site-header__buttons .e-site-header-button__link').forEach(link => { link.addEventListener('click', (e) => { eVar94 = "header-search-icon-desktop"; eVar95 = link.textContent.trim(); eVar96 = "img"; eVar97 = document.title; tmgComponentString = eVar94+";"+eVar95+"_"+eVar96+";"+eVar97; localStorage.setItem("tmgComponentTracking", tmgComponentString); }); }); })(); </script> </div> <section class="hero-asset u-layout u-layout-column-reverse hero-asset--betterliving-nointrotext-noimage" data-test="hero-asset" role="region"> <div class=" u-layer-middle container"> <div class="grid"> <div class=" hero-asset__content-wrapper--better-living"> <div class="hero-asset__content hero-asset__content--no-image"> <h1> </h1> </div> </div> </div> </div> </section> <main id="main-content" itemscope itemtype="https://schema.org/CollectionPage" class="container container--content"> <section class="article-list article-list--two-col-divided-8-4 article-list--channel-betterliving article-list--collection" data-test="article-list-two-col-vertical-container"> <div class="article-list__heading collections__large-heading"> <div class=" article-list__collection-border--thin collection-header-main-container " data-test="article-list-heading-link-wrapper"> <a href="/money/guides/property-guides/" class="article-list__heading-link" data-test="article-list-heading-link"> <div class="article-list__title-container" data-test="article-list-title-container"> <h2 class="article-list__heading-title u-heading-2 " data-test="article-list-heading-title">Property Guides <span class="article-list__large-heading-icon--container"> <svg xmlns="http://www.w3.org/2000/svg" width="15" height="16" viewBox="0 0 15 16" fill="none"> <path d="M13.8738 7.21811L7.87771 1.22208C7.44813 0.792506 6.75165 0.792511 6.32208 1.22209C5.89251 1.65167 5.89251 2.34815 6.32209 2.77772L10.4443 6.8999H1.1C0.492487 6.8999 0 7.39239 0 7.9999C0 8.60742 0.492487 9.0999 1.1 9.0999H10.4443L6.32209 13.2221C5.89251 13.6516 5.8925 14.3481 6.32208 14.7777C6.75165 15.2073 7.44813 15.2073 7.87771 14.7777L13.8778 8.77775C14.0769 8.57869 14.2 8.30366 14.2 7.9999C14.2 7.69412 14.0752 7.41748 13.8738 7.21811Z" fill="#222222"/> </svg> </span> </h2> </div> <div class="article-list__meta"> <svg class="article-list__meta-icon article-list__gl-icon" viewBox="0 0 10 10" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M4.99993 9L9 5.00001L4.99993 1" fill="none" stroke="#de0000" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M9 5H1" stroke="#de0000" stroke-width="1.5" stroke-linecap="round"/> </svg> </div> </a> </div> </div> <div class="grid grid--channel-betterliving grid--collection article-list__container--border-bottom" data-layout-track="8x4"> <div class="grid-col grid-col-12 grid-col-md-8 "> <section class="article-list article-list--articleURLImage " data-test="article-list-articleURLImage" data-type-track="articleURLImage"> <ul class="article-list__list grid " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 articleURLImage__item articleURLImage__item--0 grid-col grid-col-12 grid-col-6 grid-col-sm-3 grid-col-sm-6 " data-test="article-list--articleURLImage__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/buying-selling/how-buy-property-complete-guide/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">How to buy a home: your step-by-step guide</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">buying</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A1YTKJhRxJR2"> <button id="save-article-icon-A1YTKJhRxJR2" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1YTKJhRxJR2", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> <div class="card__thumbnail u-order-first card__thumbnail--landscape"> <figure class="card__figure"> <div class="card__image "> <img class="lazy-image__img" src="/content/dam/money/2023/09/27/TELEMMGLPICT000351016317_16958232845720_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160" data-class="lazy-image__img" data-src="/content/dam/money/2023/09/27/TELEMMGLPICT000351016317_16958232845720_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160" data-srcset=" /content/dam/money/2023/09/27/TELEMMGLPICT000351016317_16958232845720_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160 160w, /content/dam/money/2023/09/27/TELEMMGLPICT000351016317_16958232845720_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=210 210w, /content/dam/money/2023/09/27/TELEMMGLPICT000351016317_16958232845720_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=320 320w, /content/dam/money/2023/09/27/TELEMMGLPICT000351016317_16958232845720_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=350 350w, /content/dam/money/2023/09/27/TELEMMGLPICT000351016317_16958232845720_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=480 480w, /content/dam/money/2023/09/27/TELEMMGLPICT000351016317_16958232845720_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=640 640w, /content/dam/money/2023/09/27/TELEMMGLPICT000351016317_16958232845720_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=680 680w, /content/dam/money/2023/09/27/TELEMMGLPICT000351016317_16958232845720_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=960 960w" data-sizes="100vw" data-alt="New house keys illustration" data-width="12000000" data-height="7500000" onerror="this.onerror=null;this.src='data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7';" srcset=" /content/dam/money/2023/09/27/TELEMMGLPICT000351016317_16958232845720_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160 160w, /content/dam/money/2023/09/27/TELEMMGLPICT000351016317_16958232845720_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=210 210w, /content/dam/money/2023/09/27/TELEMMGLPICT000351016317_16958232845720_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=320 320w, /content/dam/money/2023/09/27/TELEMMGLPICT000351016317_16958232845720_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=350 350w, /content/dam/money/2023/09/27/TELEMMGLPICT000351016317_16958232845720_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=480 480w, /content/dam/money/2023/09/27/TELEMMGLPICT000351016317_16958232845720_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=640 640w, /content/dam/money/2023/09/27/TELEMMGLPICT000351016317_16958232845720_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=680 680w, /content/dam/money/2023/09/27/TELEMMGLPICT000351016317_16958232845720_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=960 960w" data-js="LazyImage" sizes="100vw" alt="New house keys illustration" loading="lazy" width="12000000" height="7500000"/> </div> </figure> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-md-4 article-list__secondary-container"> <section class="article-list article-list--collection-list " data-test="article-list-collection-list" data-type-track="collection-list"> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 collection-list__item collection-list__item--0 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/buying-selling/figure-key-property-purchase-most-ignore/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">The key figure most buyers ignore when looking for a home</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">buying</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A23n5n7ZL5GG"> <button id="save-article-icon-A23n5n7ZL5GG" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A23n5n7ZL5GG", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 collection-list__item collection-list__item--1 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/what-labour-landslide-means-mortgages-savings-pension/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">What a Labour Government means for your mortgage</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">mortgages</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A228ZHC6rJMd"> <button id="save-article-icon-A228ZHC6rJMd" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A228ZHC6rJMd", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 collection-list__item collection-list__item--2 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/buy-to-let/student-renting-guide-how-to-become-landlord-at-university/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">The ultimate student renting guide</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">university</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A1KpmrrnwTTx"> <button id="save-article-icon-A1KpmrrnwTTx" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1KpmrrnwTTx", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 collection-list__item collection-list__item--3 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/buy-to-let/buy-to-let-mortgage-guide-how-they-work-best-ways-apply/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">How a buy-to-let mortgage works – and how to apply for one</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">landlords</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A1PPJ7jqn77R"> <button id="save-article-icon-A1PPJ7jqn77R" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1PPJ7jqn77R", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 collection-list__item collection-list__item--4 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/house-prices-fall-tool-postcode-neighbourhood/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">Postcode house price checker</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">house prices</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A2BN6V4KjShQ"> <button id="save-article-icon-A2BN6V4KjShQ" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A2BN6V4KjShQ", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--5 collection-list__item collection-list__item--5 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/stamp-duty/stamp-duty-land-tax-hmrc-explained-when-pay-uk-property/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">What is stamp duty and when do you have to pay it?</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">tax</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A1ZTnhztCWZc"> <button id="save-article-icon-A1ZTnhztCWZc" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1ZTnhztCWZc", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> </div> </section> <section class="article-list two-col-divided article-list--two-col-divided-6-6 article-list--channel-betterliving article-list--collection" data-test="article-list-two-col-vertical-container"> <div class="article-list__heading collections__large-heading"> <div class="article-list__collection-border article-list__collection-border--thin collection-header-main-container " data-test="article-list-heading-link-wrapper"> <div class="article-list__title-container" data-test="article-list-title-container"> <h2 class="article-list__heading-title u-heading-2 " data-test="article-list-heading-title">More property guides </h2> </div> </div> </div> <div class="grid grid--channel-betterliving grid--collection " data-layout-track="4x4x4"> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--articleURLImage " data-test="article-list-articleURLImage" data-type-track="articleURLImage"> <ul class="article-list__list grid " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 articleURLImage__item articleURLImage__item--0 grid-col grid-col-12 grid-col-6 grid-col-sm-3 grid-col-sm-6 " data-test="article-list--articleURLImage__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/buy-to-let/how-build-successful-holiday-rental-business/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">How to build a successful holiday let business</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">holiday lets</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A1ZW9TwYXrrW"> <button id="save-article-icon-A1ZW9TwYXrrW" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1ZW9TwYXrrW", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> <div class="card__thumbnail u-order-first card__thumbnail--landscape"> <figure class="card__figure"> <div class="card__image "> <img class="lazy-image__img" src="/content/dam/money/2023/09/14/TELEMMGLPICT000349283314_16947029802240_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160" data-class="lazy-image__img" data-src="/content/dam/money/2023/09/14/TELEMMGLPICT000349283314_16947029802240_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160" data-srcset=" /content/dam/money/2023/09/14/TELEMMGLPICT000349283314_16947029802240_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160 160w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283314_16947029802240_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=210 210w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283314_16947029802240_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=320 320w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283314_16947029802240_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=350 350w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283314_16947029802240_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=480 480w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283314_16947029802240_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=640 640w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283314_16947029802240_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=680 680w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283314_16947029802240_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=960 960w" data-sizes="100vw" data-alt="Row of holiday homes by the sea" data-width="12000000" data-height="7500000" onerror="this.onerror=null;this.src='data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7';" srcset=" /content/dam/money/2023/09/14/TELEMMGLPICT000349283314_16947029802240_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160 160w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283314_16947029802240_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=210 210w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283314_16947029802240_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=320 320w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283314_16947029802240_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=350 350w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283314_16947029802240_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=480 480w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283314_16947029802240_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=640 640w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283314_16947029802240_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=680 680w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283314_16947029802240_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=960 960w" data-js="LazyImage" sizes="100vw" alt="Row of holiday homes by the sea" loading="lazy" width="12000000" height="7500000"/> </div> </figure> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--guide-link " data-test="article-list-guide-link" data-type-track="guide-link"> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 guide-link__item guide-link__item--0 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/upsize-bigger-home-housing-market/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to get a bigger home in an unforgiving market</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A14KZKsHPB50"> <button id="save-article-icon-A14KZKsHPB50" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A14KZKsHPB50", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 guide-link__item guide-link__item--1 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/mortgages/remortgaging-interest-rates-calculator/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Everything you need to know about remortgaging in 2024</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0W1WZXCZJwH"> <button id="save-article-icon-A0W1WZXCZJwH" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0W1WZXCZJwH", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 guide-link__item guide-link__item--2 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/house-renovations-party-wall-agreements-neighbour/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Are you planning to renovate? This should be your first step</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A135YnknMH8j"> <button id="save-article-icon-A135YnknMH8j" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A135YnknMH8j", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 guide-link__item guide-link__item--3 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/second-homes/where-to-buy-ski-chalet-for-500000-less-property-prices/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The ski resorts where £500,000 can buy you the perfect chalet</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A12WxGs073CF"> <button id="save-article-icon-A12WxGs073CF" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A12WxGs073CF", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 guide-link__item guide-link__item--4 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/buy-to-let/how-much-landlord-increase-tenant-rent-notice/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How much can my landlord increase my rent by?</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A09Sm24NxBfw"> <button id="save-article-icon-A09Sm24NxBfw" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A09Sm24NxBfw", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--5 guide-link__item guide-link__item--5 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/buying-selling/choosing-forever-home-retirement-last-time-buyers/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to choose your ‘forever home’ – without living to regret it</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A11VBs3TxBtk"> <button id="save-article-icon-A11VBs3TxBtk" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A11VBs3TxBtk", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--guide-link " data-test="article-list-guide-link" data-type-track="guide-link"> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 guide-link__item guide-link__item--0 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/house-prices/top-uk-cities-house-price-growth/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Revealed: the top 10 UK cities for house price growth</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A10wzvQ7yr3T"> <button id="save-article-icon-A10wzvQ7yr3T" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A10wzvQ7yr3T", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 guide-link__item guide-link__item--1 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/rental-market-landlords-reveal-how-beat-competition/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Landlords reveal how to get the edge on other tenants</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1zht2N8cKt5"> <button id="save-article-icon-A1zht2N8cKt5" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1zht2N8cKt5", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 guide-link__item guide-link__item--2 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/buy-to-let/landlords-guide-leasehold-airbnb-maximise-profits/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The landlords’ guide to leasehold and Airbnb – and how to maximise your profits </span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1zfjvj9NCGZ"> <button id="save-article-icon-A1zfjvj9NCGZ" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1zfjvj9NCGZ", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 guide-link__item guide-link__item--3 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/buying-selling/ten-ways-of-moving-on-with-your-hard-to-sell-home/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Ten things to do if your house isn’t selling</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1ysQ1jpxjq6"> <button id="save-article-icon-A1ysQ1jpxjq6" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1ysQ1jpxjq6", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 guide-link__item guide-link__item--4 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/buying-selling/bought-dream-home-razed-ground/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">‘I paid £3m for a home on my dream street – then demolished it’</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1zBGq8zHlq5"> <button id="save-article-icon-A1zBGq8zHlq5" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1zBGq8zHlq5", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--5 guide-link__item guide-link__item--5 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/buying-selling/buying-agents-worth-high-fees-offmarket-homes/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Are the buying agents scouting out your dream home really worth it?</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1yvp5w9dhGR"> <button id="save-article-icon-A1yvp5w9dhGR" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1yvp5w9dhGR", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> </div> </section> <section class="article-list two-col-divided article-list--two-col-divided-6-6 article-list--channel-betterliving article-list--collection" data-test="article-list-two-col-vertical-container"> <div class="grid grid--channel-betterliving grid--collection article-list__container--has-spacing " data-layout-track="4x4x4"> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--guide-link " data-test="article-list-guide-link" data-type-track="guide-link"> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 guide-link__item guide-link__item--0 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/buying-selling/best-towns-north-england-move-live-house-prices/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The most desirable towns in the North – does yours make the cut?</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1yct33D29f4"> <button id="save-article-icon-A1yct33D29f4" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1yct33D29f4", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 guide-link__item guide-link__item--1 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/buying-selling/tactics-wealthy-buyers-use-cheaper-property-home-expert/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Seven tactics wealthy buyers use to get a cheaper property</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1xKPRPsyDMg"> <button id="save-article-icon-A1xKPRPsyDMg" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1xKPRPsyDMg", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 guide-link__item guide-link__item--2 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/converting-house-into-two-flats-planning-permission-change/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How you can cash in on Jeremy Hunt’s planning law tweak</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1x6BMQds0yT"> <button id="save-article-icon-A1x6BMQds0yT" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1x6BMQds0yT", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 guide-link__item guide-link__item--3 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/areas-first-time-buyers-outnumber-movers/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The areas where first-time buyers outnumber owners moving home</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1xsgvtQ3gQt"> <button id="save-article-icon-A1xsgvtQ3gQt" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1xsgvtQ3gQt", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 guide-link__item guide-link__item--4 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/buy-to-let/renting-out-house-hollywood-film-location/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to make money renting out your home for films, photoshoots and television</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1wq1yg8sMQx"> <button id="save-article-icon-A1wq1yg8sMQx" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1wq1yg8sMQx", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--5 guide-link__item guide-link__item--5 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/second-homes/how-to-retire-thailand-navigate-expat-property-rules/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to retire to Thailand – and navigate its tricky expat property rules </span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1twm9j42BgP"> <button id="save-article-icon-A1twm9j42BgP" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1twm9j42BgP", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--guide-link " data-test="article-list-guide-link" data-type-track="guide-link"> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 guide-link__item guide-link__item--0 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/second-homes/tax-savvy-ways-invest-ski-chalet-french-alps/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Tax-savvy ways to invest in a French Alps ski chalet</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1vz2MgGJtlJ"> <button id="save-article-icon-A1vz2MgGJtlJ" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1vz2MgGJtlJ", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 guide-link__item guide-link__item--1 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/transform-your-home-legally-avoiding-planning-permission/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The secret to transforming your home – without planning permission</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1tkLxL77L1W"> <button id="save-article-icon-A1tkLxL77L1W" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1tkLxL77L1W", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 guide-link__item guide-link__item--2 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/working-from-home-killed-off-open-plan-living/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How working from home killed off open-plan living</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1s9MLCKVLrL"> <button id="save-article-icon-A1s9MLCKVLrL" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1s9MLCKVLrL", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 guide-link__item guide-link__item--3 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/buying-selling/28-questions-must-ask-buying-first-home-property/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The 28 questions you must ask before buying your first home</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1scmwS2QPhz"> <button id="save-article-icon-A1scmwS2QPhz" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1scmwS2QPhz", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 guide-link__item guide-link__item--4 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/towns-commuter-costs-more-staying-london/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The towns where commuting costs more than staying in London</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1sPsQkHSB5k"> <button id="save-article-icon-A1sPsQkHSB5k" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1sPsQkHSB5k", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--5 guide-link__item guide-link__item--5 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/buying-selling/leasehold-property-why-buying-mistake-freehold-restrictions/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Why buying a leasehold property might be the worst mistake you’ll make</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1JhgX2sGwHd"> <button id="save-article-icon-A1JhgX2sGwHd" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1JhgX2sGwHd", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--guide-link " data-test="article-list-guide-link" data-type-track="guide-link"> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 guide-link__item guide-link__item--0 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/canal-life-so-good-putting-off-having-children/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">‘I can’t tell you how much we got rid of’: The simplicity of life on the canals</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1q6rY7zwwCR"> <button id="save-article-icon-A1q6rY7zwwCR" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1q6rY7zwwCR", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 guide-link__item guide-link__item--1 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/victorian-cottage-energy-efficiency-epc-south-downs/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">‘It cost us £60,000, but our flint Victorian cottage is now the model of energy efficiency’</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1rJzLV3bQm5"> <button id="save-article-icon-A1rJzLV3bQm5" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1rJzLV3bQm5", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 guide-link__item guide-link__item--2 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/house-prices/brain-gain-hotspots-driving-new-house-price-boom/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The ‘brain gain’ hotspots driving a house price boom</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1q5fTwsskp8"> <button id="save-article-icon-A1q5fTwsskp8" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1q5fTwsskp8", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 guide-link__item guide-link__item--3 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/buying-selling/why-you-might-be-too-old-to-buy-a-home/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Why you might be too old to buy a home</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1qHtcVnQ539"> <button id="save-article-icon-A1qHtcVnQ539" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1qHtcVnQ539", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 guide-link__item guide-link__item--4 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/buy-to-let/how-build-home-rental-empire-france/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Forget buy-to-let Britain – and build your empire in France</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1cvY16n3DBq"> <button id="save-article-icon-A1cvY16n3DBq" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1cvY16n3DBq", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--5 guide-link__item guide-link__item--5 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/how-renovate-listed-home-avoid-red-flags/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">‘A source of joy, and painful expense’: how to renovate a listed home</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1nF0VPBCdqN"> <button id="save-article-icon-A1nF0VPBCdqN" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1nF0VPBCdqN", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> </div> </section> <section class="article-list article-list--two-col-divided-8-4 article-list--channel-betterliving article-list--collection" data-test="article-list-two-col-vertical-container"> <div class="article-list__heading collections__large-heading"> <div class="article-list__collection-border article-list__collection-border--thin collection-header-main-container " data-test="article-list-heading-link-wrapper"> <a href="/money/guides/banking-guides/" class="article-list__heading-link" data-test="article-list-heading-link"> <div class="article-list__title-container" data-test="article-list-title-container"> <h2 class="article-list__heading-title u-heading-2 " data-test="article-list-heading-title">Banking Guides <span class="article-list__large-heading-icon--container"> <svg xmlns="http://www.w3.org/2000/svg" width="15" height="16" viewBox="0 0 15 16" fill="none"> <path d="M13.8738 7.21811L7.87771 1.22208C7.44813 0.792506 6.75165 0.792511 6.32208 1.22209C5.89251 1.65167 5.89251 2.34815 6.32209 2.77772L10.4443 6.8999H1.1C0.492487 6.8999 0 7.39239 0 7.9999C0 8.60742 0.492487 9.0999 1.1 9.0999H10.4443L6.32209 13.2221C5.89251 13.6516 5.8925 14.3481 6.32208 14.7777C6.75165 15.2073 7.44813 15.2073 7.87771 14.7777L13.8778 8.77775C14.0769 8.57869 14.2 8.30366 14.2 7.9999C14.2 7.69412 14.0752 7.41748 13.8738 7.21811Z" fill="#222222"/> </svg> </span> </h2> </div> <div class="article-list__meta"> <svg class="article-list__meta-icon article-list__gl-icon" viewBox="0 0 10 10" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M4.99993 9L9 5.00001L4.99993 1" fill="none" stroke="#de0000" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M9 5H1" stroke="#de0000" stroke-width="1.5" stroke-linecap="round"/> </svg> </div> </a> </div> </div> <div class="grid grid--channel-betterliving grid--collection article-list__container--border-bottom" data-layout-track="8x4"> <div class="grid-col grid-col-12 grid-col-md-8 "> <section class="article-list article-list--articleURLImage " data-test="article-list-articleURLImage" data-type-track="articleURLImage"> <ul class="article-list__list grid " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 articleURLImage__item articleURLImage__item--0 grid-col grid-col-12 grid-col-6 grid-col-sm-3 grid-col-sm-6 " data-test="article-list--articleURLImage__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/banking/current-accounts/best-use-current-account-deals-when-switch-banks/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">How to get the most out of your current account – and when to switch</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">bank accounts</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A1ZVzPxPZ2FD"> <button id="save-article-icon-A1ZVzPxPZ2FD" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1ZVzPxPZ2FD", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> <div class="card__thumbnail u-order-first card__thumbnail--landscape"> <figure class="card__figure"> <div class="card__image "> <img class="lazy-image__img" src="/content/dam/money/2023/09/14/TELEMMGLPICT000349282795_16947027696750_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160" data-class="lazy-image__img" data-src="/content/dam/money/2023/09/14/TELEMMGLPICT000349282795_16947027696750_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160" data-srcset=" /content/dam/money/2023/09/14/TELEMMGLPICT000349282795_16947027696750_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160 160w, /content/dam/money/2023/09/14/TELEMMGLPICT000349282795_16947027696750_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=210 210w, /content/dam/money/2023/09/14/TELEMMGLPICT000349282795_16947027696750_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=320 320w, /content/dam/money/2023/09/14/TELEMMGLPICT000349282795_16947027696750_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=350 350w, /content/dam/money/2023/09/14/TELEMMGLPICT000349282795_16947027696750_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=480 480w, /content/dam/money/2023/09/14/TELEMMGLPICT000349282795_16947027696750_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=640 640w, /content/dam/money/2023/09/14/TELEMMGLPICT000349282795_16947027696750_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=680 680w, /content/dam/money/2023/09/14/TELEMMGLPICT000349282795_16947027696750_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=960 960w" data-sizes="100vw" data-alt="Couple looking at their laptop in their kitchen looking out for best deals online" data-width="12000000" data-height="7500000" onerror="this.onerror=null;this.src='data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7';" srcset=" /content/dam/money/2023/09/14/TELEMMGLPICT000349282795_16947027696750_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160 160w, /content/dam/money/2023/09/14/TELEMMGLPICT000349282795_16947027696750_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=210 210w, /content/dam/money/2023/09/14/TELEMMGLPICT000349282795_16947027696750_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=320 320w, /content/dam/money/2023/09/14/TELEMMGLPICT000349282795_16947027696750_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=350 350w, /content/dam/money/2023/09/14/TELEMMGLPICT000349282795_16947027696750_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=480 480w, /content/dam/money/2023/09/14/TELEMMGLPICT000349282795_16947027696750_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=640 640w, /content/dam/money/2023/09/14/TELEMMGLPICT000349282795_16947027696750_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=680 680w, /content/dam/money/2023/09/14/TELEMMGLPICT000349282795_16947027696750_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=960 960w" data-js="LazyImage" sizes="100vw" alt="Couple looking at their laptop in their kitchen looking out for best deals online" loading="lazy" width="12000000" height="7500000"/> </div> </figure> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-md-4 article-list__secondary-container"> <section class="article-list article-list--collection-list " data-test="article-list-collection-list" data-type-track="collection-list"> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 collection-list__item collection-list__item--0 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/banking/current-accounts/why-banks-close-accounts-agreement-violations/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">When banks can close accounts – and what to do if yours is affected</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">advice</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A1DGwGnQPDSh"> <button id="save-article-icon-A1DGwGnQPDSh" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1DGwGnQPDSh", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 collection-list__item collection-list__item--1 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/banking/savings-accounts/best-interest-rates-regular-savings-accounts/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">The ‘top-paying’ regular savings accounts (and how to beat their rates)</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">savings</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A1DXhDWWtTDQ"> <button id="save-article-icon-A1DXhDWWtTDQ" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1DXhDWWtTDQ", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 collection-list__item collection-list__item--2 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/banking/current-accounts/best-high-interest-current-accounts-2023/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">The five best high-interest current accounts for 2023</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">current accounts</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A1Px88YF4LNL"> <button id="save-article-icon-A1Px88YF4LNL" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1Px88YF4LNL", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 collection-list__item collection-list__item--3 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/banking/savings-accounts/elite-offshore-savings-grow-wealth-tax-benefits/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">How the elite use offshore savings to grow their wealth – and how you could too</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">offshore</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A1Mt7Vkb0lBd"> <button id="save-article-icon-A1Mt7Vkb0lBd" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1Mt7Vkb0lBd", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 collection-list__item collection-list__item--4 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/banking/current-accounts/how-bank-subject-access-requests-work-gdpr-laws/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">Find out what your bank thinks about you</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">banks</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A1JThJwkmrVg"> <button id="save-article-icon-A1JThJwkmrVg" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1JThJwkmrVg", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--5 collection-list__item collection-list__item--5 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/banking/savings-accounts/coutts-hoare-where-elite-premier-private-banking-accounts/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">From Coutts to Hoare – where the elite keep their money</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">private banking</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A1K2YmVTQrrb"> <button id="save-article-icon-A1K2YmVTQrrb" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1K2YmVTQrrb", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> </div> </section> <section class="article-list two-col-divided article-list--two-col-divided-6-6 article-list--channel-betterliving article-list--collection" data-test="article-list-two-col-vertical-container"> <div class="article-list__heading collections__large-heading"> <div class="article-list__collection-border article-list__collection-border--thin collection-header-main-container " data-test="article-list-heading-link-wrapper"> <div class="article-list__title-container" data-test="article-list-title-container"> <h2 class="article-list__heading-title u-heading-2 " data-test="article-list-heading-title">More banking guides </h2> </div> </div> </div> <div class="grid grid--channel-betterliving grid--collection " data-layout-track="4x4x4"> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--guide-link " data-test="article-list-guide-link" data-type-track="guide-link"> <ul class="article-list__list grid horizontal-scroll__five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 guide-link__item guide-link__item--0 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/banking/current-accounts/best-packaged-bank-account-perks/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The bank accounts with the best perks (whatever your age)</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A02RnB8sbrF6"> <button id="save-article-icon-A02RnB8sbrF6" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A02RnB8sbrF6", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 guide-link__item guide-link__item--1 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/banking/credit-cards/best-free-bank-cards-use-holiday-monzo-chase-revolut/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The best bank cards to use abroad in 2024</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0z3P2Qn99kP"> <button id="save-article-icon-A0z3P2Qn99kP" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0z3P2Qn99kP", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 guide-link__item guide-link__item--2 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/news/how-to-pay-no-tax-on-savings-income-allowance/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to avoid paying tax on your savings</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0zn57YsnJyr"> <button id="save-article-icon-A0zn57YsnJyr" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0zn57YsnJyr", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 guide-link__item guide-link__item--3 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/katie-investigates/money-back-bank-transfer-scam/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to get your money back after a bank transfer scam</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0pxRdkYNbC4"> <button id="save-article-icon-A0pxRdkYNbC4" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0pxRdkYNbC4", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 guide-link__item guide-link__item--4 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/banking/savings-accounts/best-student-university-bank-accounts/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The best student bank accounts for 2024</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1Msb1kvjmkC"> <button id="save-article-icon-A1Msb1kvjmkC" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1Msb1kvjmkC", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--collection-list " data-test="article-list-collection-list" data-type-track="collection-list"> <ul class="article-list__list grid " data-test="article-list-list" data-js="scroll-target"> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> </div> </div> </section> <section class="article-list article-list--two-col-divided-8-4 article-list--channel-betterliving article-list--collection" data-test="article-list-two-col-vertical-container"> <div class="article-list__heading collections__large-heading"> <div class="article-list__collection-border article-list__collection-border--thin collection-header-main-container " data-test="article-list-heading-link-wrapper"> <a href="/money/guides/investing-guides/" class="article-list__heading-link" data-test="article-list-heading-link"> <div class="article-list__title-container" data-test="article-list-title-container"> <h2 class="article-list__heading-title u-heading-2 " data-test="article-list-heading-title">Investing Guides <span class="article-list__large-heading-icon--container"> <svg xmlns="http://www.w3.org/2000/svg" width="15" height="16" viewBox="0 0 15 16" fill="none"> <path d="M13.8738 7.21811L7.87771 1.22208C7.44813 0.792506 6.75165 0.792511 6.32208 1.22209C5.89251 1.65167 5.89251 2.34815 6.32209 2.77772L10.4443 6.8999H1.1C0.492487 6.8999 0 7.39239 0 7.9999C0 8.60742 0.492487 9.0999 1.1 9.0999H10.4443L6.32209 13.2221C5.89251 13.6516 5.8925 14.3481 6.32208 14.7777C6.75165 15.2073 7.44813 15.2073 7.87771 14.7777L13.8778 8.77775C14.0769 8.57869 14.2 8.30366 14.2 7.9999C14.2 7.69412 14.0752 7.41748 13.8738 7.21811Z" fill="#222222"/> </svg> </span> </h2> </div> <div class="article-list__meta"> <svg class="article-list__meta-icon article-list__gl-icon" viewBox="0 0 10 10" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M4.99993 9L9 5.00001L4.99993 1" fill="none" stroke="#de0000" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M9 5H1" stroke="#de0000" stroke-width="1.5" stroke-linecap="round"/> </svg> </div> </a> </div> </div> <div class="grid grid--channel-betterliving grid--collection article-list__container--border-bottom" data-layout-track="8x4"> <div class="grid-col grid-col-12 grid-col-md-8 "> <section class="article-list article-list--articleURLImage " data-test="article-list-articleURLImage" data-type-track="articleURLImage"> <ul class="article-list__list grid " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 articleURLImage__item articleURLImage__item--0 grid-col grid-col-12 grid-col-6 grid-col-sm-3 grid-col-sm-6 " data-test="article-list--articleURLImage__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/stocks-shares/stock-market-what-is-it-how-works-invest/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">What is the stock market, how does it work and how can I invest?</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">markets</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A1ZWjcJCHQYL"> <button id="save-article-icon-A1ZWjcJCHQYL" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1ZWjcJCHQYL", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> <div class="card__thumbnail u-order-first card__thumbnail--landscape"> <figure class="card__figure"> <div class="card__image "> <img class="lazy-image__img" src="/content/dam/money/2023/09/14/TELEMMGLPICT000349283154_16947029312280_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160" data-class="lazy-image__img" data-src="/content/dam/money/2023/09/14/TELEMMGLPICT000349283154_16947029312280_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160" data-srcset=" /content/dam/money/2023/09/14/TELEMMGLPICT000349283154_16947029312280_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160 160w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283154_16947029312280_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=210 210w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283154_16947029312280_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=320 320w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283154_16947029312280_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=350 350w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283154_16947029312280_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=480 480w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283154_16947029312280_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=640 640w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283154_16947029312280_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=680 680w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283154_16947029312280_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=960 960w" data-sizes="100vw" data-alt="A person looking at a stock market investing app on their smartphone" data-width="12000000" data-height="7500000" onerror="this.onerror=null;this.src='data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7';" srcset=" /content/dam/money/2023/09/14/TELEMMGLPICT000349283154_16947029312280_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160 160w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283154_16947029312280_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=210 210w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283154_16947029312280_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=320 320w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283154_16947029312280_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=350 350w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283154_16947029312280_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=480 480w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283154_16947029312280_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=640 640w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283154_16947029312280_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=680 680w, /content/dam/money/2023/09/14/TELEMMGLPICT000349283154_16947029312280_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=960 960w" data-js="LazyImage" sizes="100vw" alt="A person looking at a stock market investing app on their smartphone" loading="lazy" width="12000000" height="7500000"/> </div> </figure> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-md-4 article-list__secondary-container"> <section class="article-list article-list--collection-list " data-test="article-list-collection-list" data-type-track="collection-list"> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 collection-list__item collection-list__item--0 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/news/how-invest-stocks-shares-gold-assets/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">A comprehensive guide on how to invest – and where to put your money </span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">investments</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A0v7vHxdL9Ys"> <button id="save-article-icon-A0v7vHxdL9Ys" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0v7vHxdL9Ys", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 collection-list__item collection-list__item--1 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/consumer-affairs/what-recession-protect-savings-investments/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">How to recession-proof your finances now</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">recession</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="AyHCfpXvPhc0"> <button id="save-article-icon-AyHCfpXvPhc0" class="e-save-article " data-test="save-article" data-save-article='{ "id": "AyHCfpXvPhc0", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 collection-list__item collection-list__item--2 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/when-sell-up-underperforming-fund-investment-problem/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">When to sell up and when to give an underperforming fund a chance</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">portfolio</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A14s1FjcgYFS"> <button id="save-article-icon-A14s1FjcgYFS" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A14s1FjcgYFS", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 collection-list__item collection-list__item--3 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/best-place-put-100-investment-your-grandchildren/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">The best ways to give £100 to your grandchildren</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">cash</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A13LZ34VnRKQ"> <button id="save-article-icon-A13LZ34VnRKQ" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A13LZ34VnRKQ", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 collection-list__item collection-list__item--4 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/funds/investing-one-stop-multi-asset-fund-isa-pension/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">The best one-stop multi-asset funds for your Isa</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">isas</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A10kFBw8gFJh"> <button id="save-article-icon-A10kFBw8gFJh" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A10kFBw8gFJh", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--5 collection-list__item collection-list__item--5 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/isas/isa-beginners-guide-cash-stocks-shares/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">What is an Isa? Individual savings accounts explained</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">saving</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A0wwhR9QSwYL"> <button id="save-article-icon-A0wwhR9QSwYL" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0wwhR9QSwYL", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> </div> </section> <section class="article-list two-col-divided article-list--two-col-divided-6-6 article-list--channel-betterliving article-list--collection" data-test="article-list-two-col-vertical-container"> <div class="article-list__heading collections__large-heading"> <div class="article-list__collection-border article-list__collection-border--thin collection-header-main-container " data-test="article-list-heading-link-wrapper"> <div class="article-list__title-container" data-test="article-list-title-container"> <h2 class="article-list__heading-title u-heading-2 " data-test="article-list-heading-title">More investing guides </h2> </div> </div> </div> <div class="grid grid--channel-betterliving grid--collection " data-layout-track="4x4x4"> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--articleURLImage " data-test="article-list-articleURLImage" data-type-track="articleURLImage"> <ul class="article-list__list grid " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 articleURLImage__item articleURLImage__item--0 grid-col grid-col-12 grid-col-6 grid-col-sm-3 grid-col-sm-6 " data-test="article-list--articleURLImage__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/stocks-shares/foreigners-london-stock-market-investing-opportunities/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">Foreign investors are flocking to London’s stock market – this is why</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">overseas investors</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A12kknKBWSm3"> <button id="save-article-icon-A12kknKBWSm3" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A12kknKBWSm3", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> <div class="card__thumbnail u-order-first card__thumbnail--landscape"> <figure class="card__figure"> <div class="card__image "> <img class="lazy-image__img" src="/content/dam/money/2023/12/13/TELEMMGLPICT000359864518_17024775552160_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160" data-class="lazy-image__img" data-src="/content/dam/money/2023/12/13/TELEMMGLPICT000359864518_17024775552160_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160" data-srcset=" /content/dam/money/2023/12/13/TELEMMGLPICT000359864518_17024775552160_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160 160w, /content/dam/money/2023/12/13/TELEMMGLPICT000359864518_17024775552160_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=210 210w, /content/dam/money/2023/12/13/TELEMMGLPICT000359864518_17024775552160_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=320 320w, /content/dam/money/2023/12/13/TELEMMGLPICT000359864518_17024775552160_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=350 350w, /content/dam/money/2023/12/13/TELEMMGLPICT000359864518_17024775552160_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=480 480w, /content/dam/money/2023/12/13/TELEMMGLPICT000359864518_17024775552160_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=640 640w, /content/dam/money/2023/12/13/TELEMMGLPICT000359864518_17024775552160_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=680 680w, /content/dam/money/2023/12/13/TELEMMGLPICT000359864518_17024775552160_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=960 960w" data-sizes="100vw" data-alt="Investing" data-width="12000000" data-height="7500000" onerror="this.onerror=null;this.src='data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7';" srcset=" /content/dam/money/2023/12/13/TELEMMGLPICT000359864518_17024775552160_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160 160w, /content/dam/money/2023/12/13/TELEMMGLPICT000359864518_17024775552160_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=210 210w, /content/dam/money/2023/12/13/TELEMMGLPICT000359864518_17024775552160_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=320 320w, /content/dam/money/2023/12/13/TELEMMGLPICT000359864518_17024775552160_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=350 350w, /content/dam/money/2023/12/13/TELEMMGLPICT000359864518_17024775552160_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=480 480w, /content/dam/money/2023/12/13/TELEMMGLPICT000359864518_17024775552160_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=640 640w, /content/dam/money/2023/12/13/TELEMMGLPICT000359864518_17024775552160_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=680 680w, /content/dam/money/2023/12/13/TELEMMGLPICT000359864518_17024775552160_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=960 960w" data-js="LazyImage" sizes="100vw" alt="Investing" loading="lazy" width="12000000" height="7500000"/> </div> </figure> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--guide-link " data-test="article-list-guide-link" data-type-track="guide-link"> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 guide-link__item guide-link__item--0 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/bitcoin-why-invest-crypto/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">‘I made £1bn from Bitcoin – here’s why you should not invest in it’</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A15CYTkY7pjR"> <button id="save-article-icon-A15CYTkY7pjR" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A15CYTkY7pjR", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 guide-link__item guide-link__item--1 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/stocks-shares/key-rules-investing/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Don’t invest a penny until you’ve read these 11 key rules</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A11D7y3YPmMh"> <button id="save-article-icon-A11D7y3YPmMh" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A11D7y3YPmMh", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 guide-link__item guide-link__item--2 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/jobs/work-benefits/josb-companies-offering-shares-instead-higher-pay-worth-it/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The companies offering shares instead of higher pay</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A10RnxKTW4Kb"> <button id="save-article-icon-A10RnxKTW4Kb" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A10RnxKTW4Kb", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 guide-link__item guide-link__item--3 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/stocks-shares/invest-best-strategies-avoid/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to invest like the best (and the strategies to avoid)</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0xQV58ldq5s"> <button id="save-article-icon-A0xQV58ldq5s" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0xQV58ldq5s", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 guide-link__item guide-link__item--4 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/investments-where-returns-dont-matter-30pc-bonus/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The investments where the returns don’t matter (thanks to a 30pc bonus)</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1nz2Rbxdlsl"> <button id="save-article-icon-A1nz2Rbxdlsl" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1nz2Rbxdlsl", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--5 guide-link__item guide-link__item--5 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/isas/investment-isa-stocks-shares-what-banking-eligibility/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Stocks and shares Isas: A comprehensive guide for 2024</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1PfPzBwK6mX"> <button id="save-article-icon-A1PfPzBwK6mX" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1PfPzBwK6mX", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--guide-link " data-test="article-list-guide-link" data-type-track="guide-link"> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 guide-link__item guide-link__item--0 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/news/financial-advice-cheaper-st-james-place/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to get financial advice – at half the price of St James’s Place</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1KmgY59fRV7"> <button id="save-article-icon-A1KmgY59fRV7" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1KmgY59fRV7", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 guide-link__item guide-link__item--1 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/stocks-shares/how-to-cash-in-stock-market-crash-short-selling/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to cash in on an impending stock market crash</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1ccMLrnnfrh"> <button id="save-article-icon-A1ccMLrnnfrh" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1ccMLrnnfrh", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 guide-link__item guide-link__item--2 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/peter-hargreaves-stockbroker-billionaires-make-money/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">‘Hargreaves Lansdown made me a billionaire – this is what I do with my own money’</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1bJXdnZ1Q8f"> <button id="save-article-icon-A1bJXdnZ1Q8f" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1bJXdnZ1Q8f", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 guide-link__item guide-link__item--3 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/stocks-shares/40-years-beating-stock-market-advice-first-time-investors/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">I spent 40 years beating the stock market – here’s how you can do it too</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1cMK6W08cXg"> <button id="save-article-icon-A1cMK6W08cXg" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1cMK6W08cXg", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 guide-link__item guide-link__item--4 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/stocks-shares/how-to-get-rich-from-brexit/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How you can get rich from Brexit</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1cKH4VXCJ71"> <button id="save-article-icon-A1cKH4VXCJ71" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1cKH4VXCJ71", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--5 guide-link__item guide-link__item--5 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/investing-lloyds-of-london-insurance-market/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How the super wealthy profit from theft, floods and cyber attacks – and you can too</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1nkYr8T65Sx"> <button id="save-article-icon-A1nkYr8T65Sx" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1nkYr8T65Sx", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> </div> </section> <section class="article-list two-col-divided article-list--two-col-divided-6-6 article-list--channel-betterliving article-list--collection" data-test="article-list-two-col-vertical-container"> <div class="grid grid--channel-betterliving grid--collection article-list__container--has-spacing " data-layout-track="4x4x4"> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--guide-link " data-test="article-list-guide-link" data-type-track="guide-link"> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 guide-link__item guide-link__item--0 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/stocks-shares/how-to-invest-in-your-80s/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to be a demon investor in your 80s</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A10kpgnJZqSh"> <button id="save-article-icon-A10kpgnJZqSh" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A10kpgnJZqSh", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 guide-link__item guide-link__item--1 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/stocks-shares/ways-to-tell-stock-market-crash-ftse-100-wall-street/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Five ways to tell if the stock market is about to crash</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1MZV975v0vv"> <button id="save-article-icon-A1MZV975v0vv" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1MZV975v0vv", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 guide-link__item guide-link__item--2 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/capital-gains/how-capital-gains-tax-charged-shares-reduce-payment/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Capital gains tax on shares: Rates and how much you pay</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1LKJYz7RQH6"> <button id="save-article-icon-A1LKJYz7RQH6" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1LKJYz7RQH6", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 guide-link__item guide-link__item--3 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/funds/enterprise-investment-scheme-startups-venture-capital/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How taking a punt on start-ups could cut £300,000 from your tax bill</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1Fp6n4wJnfR"> <button id="save-article-icon-A1Fp6n4wJnfR" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1Fp6n4wJnfR", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 guide-link__item guide-link__item--4 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/stocks-shares/how-to-pick-right-shares-market-investing-expert/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">An investing expert’s ways to pick the right shares (and beat the market)</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A04mB5nqWd1V"> <button id="save-article-icon-A04mB5nqWd1V" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A04mB5nqWd1V", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--5 guide-link__item guide-link__item--5 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/funds/the-six-funds-to-invest-in-if-you-want-to-back-britain/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The six funds to invest in if you want to back Britain</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A01bGf5fqTgL"> <button id="save-article-icon-A01bGf5fqTgL" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A01bGf5fqTgL", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--guide-link " data-test="article-list-guide-link" data-type-track="guide-link"> <ul class="article-list__list grid " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 guide-link__item guide-link__item--0 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/stocks-shares/how-invest-aim-stocks-save-inheritance-capital-gains-tax/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to invest in Aim stocks (and save on inheritance tax)</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0x9MclZdhV9"> <button id="save-article-icon-A0x9MclZdhV9" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0x9MclZdhV9", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 guide-link__item guide-link__item--1 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/isas/best-value-platforms-for-isa-investments/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The best value platforms for your Isa investments </span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1NLZl0bkxpF"> <button id="save-article-icon-A1NLZl0bkxpF" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1NLZl0bkxpF", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 guide-link__item guide-link__item--2 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/isas/how-build-investment-portfolio-for-your-child-finance/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to make £1 million for your children</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0sHCzp7MFgR"> <button id="save-article-icon-A0sHCzp7MFgR" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0sHCzp7MFgR", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--two-col " data-test="article-list-two-col" data-type-track="two-col"> <ul class="article-list__list grid " data-test="article-list-list" data-js="scroll-target"> </ul> </section> </div> </div> </section> <section class="article-list article-list--two-col-divided-8-4 article-list--channel-betterliving article-list--collection" data-test="article-list-two-col-vertical-container"> <div class="article-list__heading collections__large-heading"> <div class="article-list__collection-border article-list__collection-border--thin collection-header-main-container " data-test="article-list-heading-link-wrapper"> <a href="/money/guides/pension-guides/" class="article-list__heading-link" data-test="article-list-heading-link"> <div class="article-list__title-container" data-test="article-list-title-container"> <h2 class="article-list__heading-title u-heading-2 " data-test="article-list-heading-title">Pension Guides <span class="article-list__large-heading-icon--container"> <svg xmlns="http://www.w3.org/2000/svg" width="15" height="16" viewBox="0 0 15 16" fill="none"> <path d="M13.8738 7.21811L7.87771 1.22208C7.44813 0.792506 6.75165 0.792511 6.32208 1.22209C5.89251 1.65167 5.89251 2.34815 6.32209 2.77772L10.4443 6.8999H1.1C0.492487 6.8999 0 7.39239 0 7.9999C0 8.60742 0.492487 9.0999 1.1 9.0999H10.4443L6.32209 13.2221C5.89251 13.6516 5.8925 14.3481 6.32208 14.7777C6.75165 15.2073 7.44813 15.2073 7.87771 14.7777L13.8778 8.77775C14.0769 8.57869 14.2 8.30366 14.2 7.9999C14.2 7.69412 14.0752 7.41748 13.8738 7.21811Z" fill="#222222"/> </svg> </span> </h2> </div> <div class="article-list__meta"> <svg class="article-list__meta-icon article-list__gl-icon" viewBox="0 0 10 10" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M4.99993 9L9 5.00001L4.99993 1" fill="none" stroke="#de0000" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M9 5H1" stroke="#de0000" stroke-width="1.5" stroke-linecap="round"/> </svg> </div> </a> </div> </div> <div class="grid grid--channel-betterliving grid--collection article-list__container--border-bottom" data-layout-track="8x4"> <div class="grid-col grid-col-12 grid-col-md-8 "> <section class="article-list article-list--articleURLImage " data-test="article-list-articleURLImage" data-type-track="articleURLImage"> <ul class="article-list__list grid " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 articleURLImage__item articleURLImage__item--0 grid-col grid-col-12 grid-col-6 grid-col-sm-3 grid-col-sm-6 " data-test="article-list--articleURLImage__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/how-much-save-retirement-pension-fund-calculator/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">How much to save for retirement – according to your lifestyle</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">retirement</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A1ZWcrKPdrHS"> <button id="save-article-icon-A1ZWcrKPdrHS" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1ZWcrKPdrHS", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> <div class="card__thumbnail u-order-first card__thumbnail--landscape"> <figure class="card__figure"> <div class="card__image "> <img class="lazy-image__img" src="/content/dam/money/2023/09/25/TELEMMGLPICT000350798600_16956618719940_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160" data-class="lazy-image__img" data-src="/content/dam/money/2023/09/25/TELEMMGLPICT000350798600_16956618719940_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160" data-srcset=" /content/dam/money/2023/09/25/TELEMMGLPICT000350798600_16956618719940_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160 160w, /content/dam/money/2023/09/25/TELEMMGLPICT000350798600_16956618719940_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=210 210w, /content/dam/money/2023/09/25/TELEMMGLPICT000350798600_16956618719940_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=320 320w, /content/dam/money/2023/09/25/TELEMMGLPICT000350798600_16956618719940_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=350 350w, /content/dam/money/2023/09/25/TELEMMGLPICT000350798600_16956618719940_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=480 480w, /content/dam/money/2023/09/25/TELEMMGLPICT000350798600_16956618719940_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=640 640w, /content/dam/money/2023/09/25/TELEMMGLPICT000350798600_16956618719940_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=680 680w, /content/dam/money/2023/09/25/TELEMMGLPICT000350798600_16956618719940_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=960 960w" data-sizes="100vw" data-alt="How much to save for retirement – according to your lifestyle" data-width="12000000" data-height="7500000" onerror="this.onerror=null;this.src='data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7';" srcset=" /content/dam/money/2023/09/25/TELEMMGLPICT000350798600_16956618719940_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160 160w, /content/dam/money/2023/09/25/TELEMMGLPICT000350798600_16956618719940_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=210 210w, /content/dam/money/2023/09/25/TELEMMGLPICT000350798600_16956618719940_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=320 320w, /content/dam/money/2023/09/25/TELEMMGLPICT000350798600_16956618719940_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=350 350w, /content/dam/money/2023/09/25/TELEMMGLPICT000350798600_16956618719940_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=480 480w, /content/dam/money/2023/09/25/TELEMMGLPICT000350798600_16956618719940_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=640 640w, /content/dam/money/2023/09/25/TELEMMGLPICT000350798600_16956618719940_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=680 680w, /content/dam/money/2023/09/25/TELEMMGLPICT000350798600_16956618719940_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=960 960w" data-js="LazyImage" sizes="100vw" alt="How much to save for retirement – according to your lifestyle" loading="lazy" width="12000000" height="7500000"/> </div> </figure> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-md-4 article-list__secondary-container"> <section class="article-list article-list--collection-list " data-test="article-list-collection-list" data-type-track="collection-list"> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 collection-list__item collection-list__item--0 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/best-private-pension-schemes-providers/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">The best pensions for 2024</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">pension schemes</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A1Ym5w3PVctB"> <button id="save-article-icon-A1Ym5w3PVctB" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1Ym5w3PVctB", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 collection-list__item collection-list__item--1 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/state-pensions/british-gutlessness-is-shortchanging-millennial-savers/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">Millennial savers’ pension pots are shrinking fast – here’s why</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">state pensions</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A01dnvBRNM0r"> <button id="save-article-icon-A01dnvBRNM0r" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A01dnvBRNM0r", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 collection-list__item collection-list__item--2 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/how-pensions-work/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">How do pensions work?</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">explained</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A0r095ylmXYC"> <button id="save-article-icon-A0r095ylmXYC" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0r095ylmXYC", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 collection-list__item collection-list__item--3 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/pay-tax-state-pension-income-retirement-return/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">Income tax for pensioners: Do I need to file a tax return?</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">self-assessment</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A135BkMSsJBn"> <button id="save-article-icon-A135BkMSsJBn" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A135BkMSsJBn", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 collection-list__item collection-list__item--4 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/four-biggest-pension-mistakes-you-how-to-avoid/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">The four biggest pension mistakes you can make – and how to avoid them</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">top tips</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A10QCGjvBfDZ"> <button id="save-article-icon-A10QCGjvBfDZ" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A10QCGjvBfDZ", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--5 collection-list__item collection-list__item--5 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/state-pensions/contracted-out-full-state-pension-entitlement/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">Contracted out of the additional state pension: how much will you get?</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">entitlement</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A1y7PnrKXMV6"> <button id="save-article-icon-A1y7PnrKXMV6" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1y7PnrKXMV6", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> </div> </section> <section class="article-list two-col-divided article-list--two-col-divided-6-6 article-list--channel-betterliving article-list--collection" data-test="article-list-two-col-vertical-container"> <div class="article-list__heading collections__large-heading"> <div class="article-list__collection-border article-list__collection-border--thin collection-header-main-container " data-test="article-list-heading-link-wrapper"> <div class="article-list__title-container" data-test="article-list-title-container"> <h2 class="article-list__heading-title u-heading-2 " data-test="article-list-heading-title">More pension guides </h2> </div> </div> </div> <div class="grid grid--channel-betterliving grid--collection " data-layout-track="4x4x4"> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--articleURLImage " data-test="article-list-articleURLImage" data-type-track="articleURLImage"> <ul class="article-list__list grid " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 articleURLImage__item articleURLImage__item--0 grid-col grid-col-12 grid-col-6 grid-col-sm-3 grid-col-sm-6 " data-test="article-list--articleURLImage__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/retirement/state-pension-amount-money-stretch-further/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">How to get by on the state pension when it’s your only income</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">state pension</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A1ysPKK5JYdK"> <button id="save-article-icon-A1ysPKK5JYdK" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1ysPKK5JYdK", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> <div class="card__thumbnail u-order-first card__thumbnail--landscape"> <figure class="card__figure"> <div class="card__image "> <img class="lazy-image__img" src="/content/dam/money/2023/11/28/TELEMMGLPICT000358159528_17011856107440_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160" data-class="lazy-image__img" data-src="/content/dam/money/2023/11/28/TELEMMGLPICT000358159528_17011856107440_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160" data-srcset=" /content/dam/money/2023/11/28/TELEMMGLPICT000358159528_17011856107440_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160 160w, /content/dam/money/2023/11/28/TELEMMGLPICT000358159528_17011856107440_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=210 210w, /content/dam/money/2023/11/28/TELEMMGLPICT000358159528_17011856107440_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=320 320w, /content/dam/money/2023/11/28/TELEMMGLPICT000358159528_17011856107440_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=350 350w, /content/dam/money/2023/11/28/TELEMMGLPICT000358159528_17011856107440_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=480 480w, /content/dam/money/2023/11/28/TELEMMGLPICT000358159528_17011856107440_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=640 640w, /content/dam/money/2023/11/28/TELEMMGLPICT000358159528_17011856107440_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=680 680w, /content/dam/money/2023/11/28/TELEMMGLPICT000358159528_17011856107440_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=960 960w" data-sizes="100vw" data-alt="Five ways to get by on the state pension – and make your money stretch further" data-width="24000000" data-height="15000000" onerror="this.onerror=null;this.src='data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7';" srcset=" /content/dam/money/2023/11/28/TELEMMGLPICT000358159528_17011856107440_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160 160w, /content/dam/money/2023/11/28/TELEMMGLPICT000358159528_17011856107440_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=210 210w, /content/dam/money/2023/11/28/TELEMMGLPICT000358159528_17011856107440_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=320 320w, /content/dam/money/2023/11/28/TELEMMGLPICT000358159528_17011856107440_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=350 350w, /content/dam/money/2023/11/28/TELEMMGLPICT000358159528_17011856107440_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=480 480w, /content/dam/money/2023/11/28/TELEMMGLPICT000358159528_17011856107440_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=640 640w, /content/dam/money/2023/11/28/TELEMMGLPICT000358159528_17011856107440_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=680 680w, /content/dam/money/2023/11/28/TELEMMGLPICT000358159528_17011856107440_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=960 960w" data-js="LazyImage" sizes="100vw" alt="Five ways to get by on the state pension – and make your money stretch further" loading="lazy" width="24000000" height="15000000"/> </div> </figure> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--guide-link " data-test="article-list-guide-link" data-type-track="guide-link"> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 guide-link__item guide-link__item--0 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/retirement/how-retire-australia-navigate-superannuation-pension-rules/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to retire to Australia – and navigate its ‘super’ pensions</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1yZ8T3L4qJf"> <button id="save-article-icon-A1yZ8T3L4qJf" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1yZ8T3L4qJf", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 guide-link__item guide-link__item--1 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/how-to-choose-pension-pot-for-life/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to choose your ‘pot for life’ pension </span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1xYVc17vT4X"> <button id="save-article-icon-A1xYVc17vT4X" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1xYVc17vT4X", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 guide-link__item guide-link__item--2 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/state-pensions/triple-lock-state-pension-increase/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">State pension 2024-25: How much you’ll get and how to claim</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0V3L3mYTcPr"> <button id="save-article-icon-A0V3L3mYTcPr" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0V3L3mYTcPr", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 guide-link__item guide-link__item--3 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/most-people-make-pension-tax-mistake-tax-bills-avoid/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to avoid the common pension tax mistake catching 86 per cent of people</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1vkvHp9NLkP"> <button id="save-article-icon-A1vkvHp9NLkP" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1vkvHp9NLkP", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 guide-link__item guide-link__item--4 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/how-increase-private-workplace-pension-savings/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Want a better pension than your colleagues? Here’s how to get it</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1bGkv1Jpxgx"> <button id="save-article-icon-A1bGkv1Jpxgx" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1bGkv1Jpxgx", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--5 guide-link__item guide-link__item--5 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/pension-lump-sum-emergency-tax-trap-cost-you-13000/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The pension lump sum ‘emergency’ tax trap that could cost you thousands</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1fzpg6dVXm6"> <button id="save-article-icon-A1fzpg6dVXm6" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1fzpg6dVXm6", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--guide-link " data-test="article-list-guide-link" data-type-track="guide-link"> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 guide-link__item guide-link__item--0 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/state-pensions/full-state-pension-home-responsibilities-protection-widow/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to get the maximum state pension (from the man who made the rules)</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1cK96r6VPxp"> <button id="save-article-icon-A1cK96r6VPxp" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1cK96r6VPxp", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 guide-link__item guide-link__item--1 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/financial-planning/how-retire-early/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to retire early in the UK – a step-by-step guide</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0gJBFZkzcvj"> <button id="save-article-icon-A0gJBFZkzcvj" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0gJBFZkzcvj", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 guide-link__item guide-link__item--2 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/financial-planning/how-much-pension-comfortable-retirement/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How much do you need to retire?</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0ymqChFTkwK"> <button id="save-article-icon-A0ymqChFTkwK" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0ymqChFTkwK", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 guide-link__item guide-link__item--3 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/tax-retirement/how-get-maximum-state-pension-payment/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Four ways to get the maximum state pension – and even more</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A06XwzNhf0R1"> <button id="save-article-icon-A06XwzNhf0R1" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A06XwzNhf0R1", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 guide-link__item guide-link__item--4 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/state-pensions/how-to-check-youre-getting-the-state-pension-you-deserve/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How do I check my state pension?</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A038pK1HHD7b"> <button id="save-article-icon-A038pK1HHD7b" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A038pK1HHD7b", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--5 guide-link__item guide-link__item--5 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/news/increase-state-pension-deadline-approaching/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Don’t miss the deadline to increase your state pension by up to £55,000</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0Wls6cRtc2r"> <button id="save-article-icon-A0Wls6cRtc2r" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0Wls6cRtc2r", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> </div> </section> <section class="article-list two-col-divided article-list--two-col-divided-6-6 article-list--channel-betterliving article-list--collection" data-test="article-list-two-col-vertical-container"> <div class="grid grid--channel-betterliving grid--collection article-list__container--has-spacing " data-layout-track="4x4x4"> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--guide-link " data-test="article-list-guide-link" data-type-track="guide-link"> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 guide-link__item guide-link__item--0 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/best-pension-providers-freelancer-personal-stakeholder-sipp/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Pensions for the self-employed</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1RWqwkxMGKS"> <button id="save-article-icon-A1RWqwkxMGKS" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1RWqwkxMGKS", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 guide-link__item guide-link__item--1 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/financial-planning/britain-best-pensions-revealed-nhs-lloyds-bank-royal-mail/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Where to work for the biggest pension payouts</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1P9TjfXC7qc"> <button id="save-article-icon-A1P9TjfXC7qc" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1P9TjfXC7qc", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 guide-link__item guide-link__item--2 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/financial-planning/what-happens-private-pension-death-retirement-beneficiary/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">What happens to your pension when you die?</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1PtTfMx2mYW"> <button id="save-article-icon-A1PtTfMx2mYW" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1PtTfMx2mYW", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 guide-link__item guide-link__item--3 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/tax-retirement/when-and-how-you-can-drawdown-your-private-pension/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">What is pension drawdown?</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1NMWKW0b0NC"> <button id="save-article-icon-A1NMWKW0b0NC" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1NMWKW0b0NC", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 guide-link__item guide-link__item--4 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/financial-planning/pension-contribution-strategy-leave-you-short-in-retirement/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Why sticking to this popular pension saving strategy will leave you short in retirement</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1L58xYjF4Pf"> <button id="save-article-icon-A1L58xYjF4Pf" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1L58xYjF4Pf", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--5 guide-link__item guide-link__item--5 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/tax-retirement/uk-pension-pot-state-private-no-retirement-fund-savings/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">No pension pot? Here’s how you can (still) retire in style</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1LXXcGqR5VN"> <button id="save-article-icon-A1LXXcGqR5VN" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1LXXcGqR5VN", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--guide-link " data-test="article-list-guide-link" data-type-track="guide-link"> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 guide-link__item guide-link__item--0 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/inheritance/grandparents-saving-junior-sipps-pension-inheritance-tax/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Why grandparents are stashing their saving in child pensions</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1KWcSFFNHM3"> <button id="save-article-icon-A1KWcSFFNHM3" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1KWcSFFNHM3", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 guide-link__item guide-link__item--1 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/tax-retirement/cheap-pensions-retirement-halifax-hargreaves-lansdown/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The cheapest Sipp providers that leave you £22,000 better off in retirement</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1JyfwcqyfPF"> <button id="save-article-icon-A1JyfwcqyfPF" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1JyfwcqyfPF", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 guide-link__item guide-link__item--2 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/private-pensions/how-to-find-lost-pension-ni-number/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to find a lost pension with an NI number</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1GZXCbHCBrT"> <button id="save-article-icon-A1GZXCbHCBrT" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1GZXCbHCBrT", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 guide-link__item guide-link__item--3 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/tax-retirement/how-to-avoid-paying-too-much-tax-retirement-pensions-uk/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to avoid paying tax on your pension</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1HSTvmpQ4Ql"> <button id="save-article-icon-A1HSTvmpQ4Ql" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1HSTvmpQ4Ql", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 guide-link__item guide-link__item--4 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/tax-retirement/paying-partners-pension-reduce-tax-retirement/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to use your partner’s pension to reduce tax – and protect it if you split up </span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1G5gxMv1XTv"> <button id="save-article-icon-A1G5gxMv1XTv" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1G5gxMv1XTv", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--5 guide-link__item guide-link__item--5 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/financial-planning/retiring-spain-wealth-tax-how-navigate-visa-funds/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to retire to Spain – and stop the taxman raiding your wealth</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A08cw4hQTLX8"> <button id="save-article-icon-A08cw4hQTLX8" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A08cw4hQTLX8", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--guide-link " data-test="article-list-guide-link" data-type-track="guide-link"> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 guide-link__item guide-link__item--0 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/financial-planning/three-drawbacks-saving-into-pension-retirement/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Three big drawbacks of saving into a pension</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A07wtJHDzyRp"> <button id="save-article-icon-A07wtJHDzyRp" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A07wtJHDzyRp", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 guide-link__item guide-link__item--1 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/things-to-do-before-retirement-state-pension-investment/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Ten things to do before retirement</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A07J1JfhPyYH"> <button id="save-article-icon-A07J1JfhPyYH" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A07J1JfhPyYH", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 guide-link__item guide-link__item--2 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/tax-retirement/deferring-your-state-pension-can-give-you-higher-payments/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Is it worth deferring my state pension?</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A05VH16lZFnm"> <button id="save-article-icon-A05VH16lZFnm" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A05VH16lZFnm", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 guide-link__item guide-link__item--3 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/inheritance/pension-avoid-inheritance-tax/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to use your pension to avoid inheritance tax</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0nb4QHcMKF6"> <button id="save-article-icon-A0nb4QHcMKF6" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0nb4QHcMKF6", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 guide-link__item guide-link__item--4 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/news/end-tax-year-giveaways-benefit-from/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Ten giveaways to capitalise on before the end of the tax year – if you're quick</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0lngz244MW6"> <button id="save-article-icon-A0lngz244MW6" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0lngz244MW6", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--5 guide-link__item guide-link__item--5 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/news/pension-or-buy-to-let-best-retirement-fund/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Pension or buy-to-let: which is best to fund your retirement?</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0bP9G1jdpMn"> <button id="save-article-icon-A0bP9G1jdpMn" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0bP9G1jdpMn", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--6 guide-link__item guide-link__item--6 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/financial-planning/how-protect-retirement-fund-rising-state-pension-age/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to protect your retirement fund from the rising state pension age</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="Az7Byf1t2sVR"> <button id="save-article-icon-Az7Byf1t2sVR" class="e-save-article " data-test="save-article" data-save-article='{ "id": "Az7Byf1t2sVR", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> </div> </section> <section class="article-list article-list--two-col-divided-8-4 article-list--channel-betterliving article-list--collection" data-test="article-list-two-col-vertical-container"> <div class="article-list__heading collections__large-heading"> <div class="article-list__collection-border article-list__collection-border--thin collection-header-main-container " data-test="article-list-heading-link-wrapper"> <a href="/money/guides/tax-guides/" class="article-list__heading-link" data-test="article-list-heading-link"> <div class="article-list__title-container" data-test="article-list-title-container"> <h2 class="article-list__heading-title u-heading-2 " data-test="article-list-heading-title">Tax Guides <span class="article-list__large-heading-icon--container"> <svg xmlns="http://www.w3.org/2000/svg" width="15" height="16" viewBox="0 0 15 16" fill="none"> <path d="M13.8738 7.21811L7.87771 1.22208C7.44813 0.792506 6.75165 0.792511 6.32208 1.22209C5.89251 1.65167 5.89251 2.34815 6.32209 2.77772L10.4443 6.8999H1.1C0.492487 6.8999 0 7.39239 0 7.9999C0 8.60742 0.492487 9.0999 1.1 9.0999H10.4443L6.32209 13.2221C5.89251 13.6516 5.8925 14.3481 6.32208 14.7777C6.75165 15.2073 7.44813 15.2073 7.87771 14.7777L13.8778 8.77775C14.0769 8.57869 14.2 8.30366 14.2 7.9999C14.2 7.69412 14.0752 7.41748 13.8738 7.21811Z" fill="#222222"/> </svg> </span> </h2> </div> <div class="article-list__meta"> <svg class="article-list__meta-icon article-list__gl-icon" viewBox="0 0 10 10" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M4.99993 9L9 5.00001L4.99993 1" fill="none" stroke="#de0000" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M9 5H1" stroke="#de0000" stroke-width="1.5" stroke-linecap="round"/> </svg> </div> </a> </div> </div> <div class="grid grid--channel-betterliving grid--collection article-list__container--border-bottom" data-layout-track="8x4"> <div class="grid-col grid-col-12 grid-col-md-8 "> <section class="article-list article-list--articleURLImage " data-test="article-list-articleURLImage" data-type-track="articleURLImage"> <ul class="article-list__list grid " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 articleURLImage__item articleURLImage__item--0 grid-col grid-col-12 grid-col-6 grid-col-sm-3 grid-col-sm-6 " data-test="article-list--articleURLImage__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/income/tax-return-guide-hmrc-advice-tips/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">How to complete a tax return</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">tax returns</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A14cCMVprQpG"> <button id="save-article-icon-A14cCMVprQpG" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A14cCMVprQpG", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> <div class="card__thumbnail u-order-first card__thumbnail--landscape"> <figure class="card__figure"> <div class="card__image "> <img class="lazy-image__img" src="/content/dam/money/2023/12/22/TELEMMGLPICT000360753075_17032697588900_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160" data-class="lazy-image__img" data-src="/content/dam/money/2023/12/22/TELEMMGLPICT000360753075_17032697588900_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160" data-srcset=" /content/dam/money/2023/12/22/TELEMMGLPICT000360753075_17032697588900_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160 160w, /content/dam/money/2023/12/22/TELEMMGLPICT000360753075_17032697588900_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=210 210w, /content/dam/money/2023/12/22/TELEMMGLPICT000360753075_17032697588900_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=320 320w, /content/dam/money/2023/12/22/TELEMMGLPICT000360753075_17032697588900_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=350 350w, /content/dam/money/2023/12/22/TELEMMGLPICT000360753075_17032697588900_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=480 480w, /content/dam/money/2023/12/22/TELEMMGLPICT000360753075_17032697588900_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=640 640w, /content/dam/money/2023/12/22/TELEMMGLPICT000360753075_17032697588900_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=680 680w, /content/dam/money/2023/12/22/TELEMMGLPICT000360753075_17032697588900_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=960 960w" data-sizes="100vw" data-alt="A 2024 guide to nailing your tax return" data-width="12000000" data-height="7500000" onerror="this.onerror=null;this.src='data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7';" srcset=" /content/dam/money/2023/12/22/TELEMMGLPICT000360753075_17032697588900_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160 160w, /content/dam/money/2023/12/22/TELEMMGLPICT000360753075_17032697588900_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=210 210w, /content/dam/money/2023/12/22/TELEMMGLPICT000360753075_17032697588900_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=320 320w, /content/dam/money/2023/12/22/TELEMMGLPICT000360753075_17032697588900_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=350 350w, /content/dam/money/2023/12/22/TELEMMGLPICT000360753075_17032697588900_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=480 480w, /content/dam/money/2023/12/22/TELEMMGLPICT000360753075_17032697588900_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=640 640w, /content/dam/money/2023/12/22/TELEMMGLPICT000360753075_17032697588900_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=680 680w, /content/dam/money/2023/12/22/TELEMMGLPICT000360753075_17032697588900_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=960 960w" data-js="LazyImage" sizes="100vw" alt="A 2024 guide to nailing your tax return" loading="lazy" width="12000000" height="7500000"/> </div> </figure> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-md-4 article-list__secondary-container"> <section class="article-list article-list--collection-list " data-test="article-list-collection-list" data-type-track="collection-list"> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 collection-list__item collection-list__item--0 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/income/uk-personal-tax-guide-income-national-insurance-relief/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">Navigating UK personal tax in 2024 – all you need to know</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">personal tax</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A03tchxlnTLg"> <button id="save-article-icon-A03tchxlnTLg" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A03tchxlnTLg", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 collection-list__item collection-list__item--1 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/inheritance/my-dad-worked-hard-all-his-life-inheritance-tax/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">‘My dad worked hard all his life – he would have been heartbroken by what the taxman took’</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">inheritance</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A03k6ZzJbfnM"> <button id="save-article-icon-A03k6ZzJbfnM" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A03k6ZzJbfnM", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 collection-list__item collection-list__item--2 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/news/council-tax-calculator-band-thresholds-discount-uk/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">Council tax calculator 2024-25: Find out how much you pay</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">council tax</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A0lDHdJ399lz"> <button id="save-article-icon-A0lDHdJ399lz" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0lDHdJ399lz", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 collection-list__item collection-list__item--3 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/pay-tax-state-pension-income-retirement-return/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">Income tax for pensioners: Do I need to file a tax return?</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">self-assessment</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A135BkMSsJBn"> <button id="save-article-icon-A135BkMSsJBn" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A135BkMSsJBn", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 collection-list__item collection-list__item--4 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/paying-tax-savings-check-hmrc-avoid-penalties/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">Paying tax on your savings? Make sure you check HMRC’s sums </span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">savings</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A11ScSFWGgR0"> <button id="save-article-icon-A11ScSFWGgR0" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A11ScSFWGgR0", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--5 collection-list__item collection-list__item--5 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/christmas-present-money-gift-inheritance-tax/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">The little-known way to gift cash without getting a tax bill</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">cash</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A11F1BpvyM2K"> <button id="save-article-icon-A11F1BpvyM2K" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A11F1BpvyM2K", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> </div> </section> <section class="article-list two-col-divided article-list--two-col-divided-6-6 article-list--channel-betterliving article-list--collection" data-test="article-list-two-col-vertical-container"> <div class="article-list__heading collections__large-heading"> <div class="article-list__collection-border article-list__collection-border--thin collection-header-main-container " data-test="article-list-heading-link-wrapper"> <div class="article-list__title-container" data-test="article-list-title-container"> <h2 class="article-list__heading-title u-heading-2 " data-test="article-list-heading-title">More tax guides </h2> </div> </div> </div> <div class="grid grid--channel-betterliving grid--collection " data-layout-track="4x4x4"> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--articleURLImage " data-test="article-list-articleURLImage" data-type-track="articleURLImage"> <ul class="article-list__list grid " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 articleURLImage__item articleURLImage__item--0 grid-col grid-col-12 grid-col-6 grid-col-sm-3 grid-col-sm-6 " data-test="article-list--articleURLImage__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/income/self-employed-overpay-tax-return/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">Self-employed? Key ways to stop overpaying your 2022-23 tax return</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">tax returns</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A1y6v6VfQZ4W"> <button id="save-article-icon-A1y6v6VfQZ4W" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1y6v6VfQZ4W", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> <div class="card__thumbnail u-order-first card__thumbnail--landscape"> <figure class="card__figure"> <div class="card__image "> <img class="lazy-image__img" src="/content/dam/money/2023/11/30/TELEMMGLPICT000358435301_17013650911580_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160" data-class="lazy-image__img" data-src="/content/dam/money/2023/11/30/TELEMMGLPICT000358435301_17013650911580_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160" data-srcset=" /content/dam/money/2023/11/30/TELEMMGLPICT000358435301_17013650911580_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160 160w, /content/dam/money/2023/11/30/TELEMMGLPICT000358435301_17013650911580_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=210 210w, /content/dam/money/2023/11/30/TELEMMGLPICT000358435301_17013650911580_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=320 320w, /content/dam/money/2023/11/30/TELEMMGLPICT000358435301_17013650911580_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=350 350w, /content/dam/money/2023/11/30/TELEMMGLPICT000358435301_17013650911580_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=480 480w, /content/dam/money/2023/11/30/TELEMMGLPICT000358435301_17013650911580_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=640 640w, /content/dam/money/2023/11/30/TELEMMGLPICT000358435301_17013650911580_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=680 680w, /content/dam/money/2023/11/30/TELEMMGLPICT000358435301_17013650911580_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=960 960w" data-sizes="100vw" data-alt="Self-employed? Then make sure you don’t overpay your 2022-23 tax return " data-width="12000000" data-height="7500000" onerror="this.onerror=null;this.src='data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7';" srcset=" /content/dam/money/2023/11/30/TELEMMGLPICT000358435301_17013650911580_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160 160w, /content/dam/money/2023/11/30/TELEMMGLPICT000358435301_17013650911580_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=210 210w, /content/dam/money/2023/11/30/TELEMMGLPICT000358435301_17013650911580_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=320 320w, /content/dam/money/2023/11/30/TELEMMGLPICT000358435301_17013650911580_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=350 350w, /content/dam/money/2023/11/30/TELEMMGLPICT000358435301_17013650911580_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=480 480w, /content/dam/money/2023/11/30/TELEMMGLPICT000358435301_17013650911580_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=640 640w, /content/dam/money/2023/11/30/TELEMMGLPICT000358435301_17013650911580_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=680 680w, /content/dam/money/2023/11/30/TELEMMGLPICT000358435301_17013650911580_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=960 960w" data-js="LazyImage" sizes="100vw" alt="Self-employed? Then make sure you don’t overpay your 2022-23 tax return " loading="lazy" width="12000000" height="7500000"/> </div> </figure> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--guide-link " data-test="article-list-guide-link" data-type-track="guide-link"> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 guide-link__item guide-link__item--0 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/landlord-tax-return-guide-beat-hmrc/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Landlords’ guide to your 2022-23 tax return (and how to beat HMRC)</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1ysfRXrMTlm"> <button id="save-article-icon-A1ysfRXrMTlm" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1ysfRXrMTlm", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 guide-link__item guide-link__item--1 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/income/national-insurance-comprehensive-guide/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">National Insurance contributions: All you need to know</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A01696qVnwfV"> <button id="save-article-icon-A01696qVnwfV" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A01696qVnwfV", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 guide-link__item guide-link__item--2 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/ir35-contractors-self-employed-freelancers-tax-hmrc-rules/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Contractors are wrongly losing 30pc of their pay – find out if you’ve been caught by IR35 </span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1qpNc1l9BWS"> <button id="save-article-icon-A1qpNc1l9BWS" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1qpNc1l9BWS", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 guide-link__item guide-link__item--3 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/best-ways-give-charity-enjoy-double-tax-relief/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The best ways to give to charity – and enjoy ‘double tax relief’</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1pFJ4NF0HRh"> <button id="save-article-icon-A1pFJ4NF0HRh" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1pFJ4NF0HRh", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 guide-link__item guide-link__item--4 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/inheritance/avoid-inheritance-tax-gifts-property-death/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to avoid inheritance tax</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0V2h30DGtlf"> <button id="save-article-icon-A0V2h30DGtlf" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0V2h30DGtlf", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--5 guide-link__item guide-link__item--5 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/inheritance/how-to-avoid-inheritance-tax-set-up-trust/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to set up a trust to protect your money (and avoid inheritance tax)</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0s2nvg8mh8g"> <button id="save-article-icon-A0s2nvg8mh8g" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0s2nvg8mh8g", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--guide-link " data-test="article-list-guide-link" data-type-track="guide-link"> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 guide-link__item guide-link__item--0 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/buy-to-let/council-tax-crackdown-second-homes-how-pay-less/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to avoid second home council tax</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1LpdbwpzyNF"> <button id="save-article-icon-A1LpdbwpzyNF" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1LpdbwpzyNF", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 guide-link__item guide-link__item--1 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/tax-retirement/how-to-avoid-paying-too-much-tax-retirement-pensions-uk/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to avoid paying tax on your pension</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1HSTvmpQ4Ql"> <button id="save-article-icon-A1HSTvmpQ4Ql" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1HSTvmpQ4Ql", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 guide-link__item guide-link__item--2 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/news/how-to-reduce-your-council-tax-bill-payment-band/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to get a council tax discount</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1Dm4W4KrqRS"> <button id="save-article-icon-A1Dm4W4KrqRS" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1Dm4W4KrqRS", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 guide-link__item guide-link__item--3 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/inheritance/how-paying-private-school-fees-could-help-avoid-inheritance/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How paying private school fees could help you avoid inheritance tax</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1DJVM3vJ4KW"> <button id="save-article-icon-A1DJVM3vJ4KW" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1DJVM3vJ4KW", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 guide-link__item guide-link__item--4 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/inheritance/how-use-equity-release-gift-money-avoid-inheritance-tax/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to use equity release to gift money – and avoid inheritance tax</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1CSQdVryGkN"> <button id="save-article-icon-A1CSQdVryGkN" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1CSQdVryGkN", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--5 guide-link__item guide-link__item--5 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/income/working-from-home-rules-tax-bill-deduction-self-employment/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The working-from-home rules that could shave £300 off your tax bill</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1BkrSlZP4t7"> <button id="save-article-icon-A1BkrSlZP4t7" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1BkrSlZP4t7", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> </div> </section> <section class="article-list two-col-divided article-list--two-col-divided-6-6 article-list--channel-betterliving article-list--collection" data-test="article-list-two-col-vertical-container"> <div class="grid grid--channel-betterliving grid--collection article-list__container--has-spacing " data-layout-track="4x4x4"> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--guide-link " data-test="article-list-guide-link" data-type-track="guide-link"> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 guide-link__item guide-link__item--0 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/pensions/financial-planning/three-drawbacks-saving-into-pension-retirement/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Three big drawbacks of saving into a pension</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A07wtJHDzyRp"> <button id="save-article-icon-A07wtJHDzyRp" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A07wtJHDzyRp", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 guide-link__item guide-link__item--1 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/news/marriage-benefits-inheritance-capital-gains-pension-divorce/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Five tax and financial benefits of being married</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A06pcqWtXm57"> <button id="save-article-icon-A06pcqWtXm57" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A06pcqWtXm57", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 guide-link__item guide-link__item--2 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/isas/tax-loophole-36k-isa-single-year-trust-fund/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The tax loophole that lets parents stash £36,000 into an Isa in a single year</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A05pCtTRtBqk"> <button id="save-article-icon-A05pCtTRtBqk" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A05pCtTRtBqk", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 guide-link__item guide-link__item--3 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/inheritance/how-to-inherit-thousands-in-isa-savings-without-paying-tax/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to inherit thousands in Isa savings – without paying any tax</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A05VKqhRyKtg"> <button id="save-article-icon-A05VKqhRyKtg" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A05VKqhRyKtg", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 guide-link__item guide-link__item--4 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/inheritance/pass-down-wealth-generations-property-isas-pensions/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The taxman is after your grandchildren’s inheritance – here’s how to stop him</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A00JLvdswl7M"> <button id="save-article-icon-A00JLvdswl7M" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A00JLvdswl7M", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--5 guide-link__item guide-link__item--5 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/news/how-to-pay-no-tax-on-savings-income-allowance/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to avoid paying tax on your savings</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0zn57YsnJyr"> <button id="save-article-icon-A0zn57YsnJyr" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0zn57YsnJyr", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--guide-link " data-test="article-list-guide-link" data-type-track="guide-link"> <ul class="article-list__list grid horizontal-scroll__five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 guide-link__item guide-link__item--0 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/stocks-shares/how-invest-aim-stocks-save-inheritance-capital-gains-tax/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to invest in Aim stocks (and save on inheritance tax)</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0x9MclZdhV9"> <button id="save-article-icon-A0x9MclZdhV9" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0x9MclZdhV9", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 guide-link__item guide-link__item--1 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/buying-selling/how-avoid-paying-stamp-duty-second-home/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to (legitimately) reduce stamp duty on your second home</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0sJc8nwJFTm"> <button id="save-article-icon-A0sJc8nwJFTm" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0sJc8nwJFTm", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 guide-link__item guide-link__item--2 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/buying-selling/stamp-duty-calculator/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Stamp duty calculator: use our free property tool to see how much you’ll pay</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0fK3zpQCznc"> <button id="save-article-icon-A0fK3zpQCznc" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0fK3zpQCznc", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 guide-link__item guide-link__item--3 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/tax/inheritance/pension-avoid-inheritance-tax/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to use your pension to avoid inheritance tax</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0nb4QHcMKF6"> <button id="save-article-icon-A0nb4QHcMKF6" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0nb4QHcMKF6", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 guide-link__item guide-link__item--4 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/investing/isas/hmrc-inheritance-tax-planning-avoid-stocks-isa/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The small companies that can help you avoid inheritance tax</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0mY0VX7N2HH"> <button id="save-article-icon-A0mY0VX7N2HH" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0mY0VX7N2HH", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--guide-link " data-test="article-list-guide-link" data-type-track="guide-link"> <ul class="article-list__list grid " data-test="article-list-list" data-js="scroll-target"> </ul> </section> </div> </div> </section> <section class="article-list article-list--two-col-divided-8-4 article-list--channel-betterliving article-list--collection" data-test="article-list-two-col-vertical-container"> <div class="article-list__heading collections__large-heading"> <div class="article-list__collection-border article-list__collection-border--thin collection-header-main-container " data-test="article-list-heading-link-wrapper"> <a href="/money/guides/net-zero-guides/" class="article-list__heading-link" data-test="article-list-heading-link"> <div class="article-list__title-container" data-test="article-list-title-container"> <h2 class="article-list__heading-title u-heading-2 " data-test="article-list-heading-title">Net zero Guides <span class="article-list__large-heading-icon--container"> <svg xmlns="http://www.w3.org/2000/svg" width="15" height="16" viewBox="0 0 15 16" fill="none"> <path d="M13.8738 7.21811L7.87771 1.22208C7.44813 0.792506 6.75165 0.792511 6.32208 1.22209C5.89251 1.65167 5.89251 2.34815 6.32209 2.77772L10.4443 6.8999H1.1C0.492487 6.8999 0 7.39239 0 7.9999C0 8.60742 0.492487 9.0999 1.1 9.0999H10.4443L6.32209 13.2221C5.89251 13.6516 5.8925 14.3481 6.32208 14.7777C6.75165 15.2073 7.44813 15.2073 7.87771 14.7777L13.8778 8.77775C14.0769 8.57869 14.2 8.30366 14.2 7.9999C14.2 7.69412 14.0752 7.41748 13.8738 7.21811Z" fill="#222222"/> </svg> </span> </h2> </div> <div class="article-list__meta"> <svg class="article-list__meta-icon article-list__gl-icon" viewBox="0 0 10 10" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M4.99993 9L9 5.00001L4.99993 1" fill="none" stroke="#de0000" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M9 5H1" stroke="#de0000" stroke-width="1.5" stroke-linecap="round"/> </svg> </div> </a> </div> </div> <div class="grid grid--channel-betterliving grid--collection article-list__container--border-bottom" data-layout-track="8x4"> <div class="grid-col grid-col-12 grid-col-md-8 "> <section class="article-list article-list--articleURLImage " data-test="article-list-articleURLImage" data-type-track="articleURLImage"> <ul class="article-list__list grid " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 articleURLImage__item articleURLImage__item--0 grid-col grid-col-12 grid-col-6 grid-col-sm-3 grid-col-sm-6 " data-test="article-list--articleURLImage__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/consumer-affairs/what-net-zero-how-much-will-cost-solar-panels/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">What is ‘net zero’, and how much will it cost you?</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">in depth</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A0wNQDnqqlKs"> <button id="save-article-icon-A0wNQDnqqlKs" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0wNQDnqqlKs", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> <div class="card__thumbnail u-order-first card__thumbnail--landscape"> <figure class="card__figure"> <div class="card__image "> <img class="lazy-image__img" src="/content/dam/money/2023/05/03/TELEMMGLPICT000334270899_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160" data-class="lazy-image__img" data-src="/content/dam/money/2023/05/03/TELEMMGLPICT000334270899_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160" data-srcset=" /content/dam/money/2023/05/03/TELEMMGLPICT000334270899_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160 160w, /content/dam/money/2023/05/03/TELEMMGLPICT000334270899_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=210 210w, /content/dam/money/2023/05/03/TELEMMGLPICT000334270899_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=320 320w, /content/dam/money/2023/05/03/TELEMMGLPICT000334270899_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=350 350w, /content/dam/money/2023/05/03/TELEMMGLPICT000334270899_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=480 480w, /content/dam/money/2023/05/03/TELEMMGLPICT000334270899_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=640 640w, /content/dam/money/2023/05/03/TELEMMGLPICT000334270899_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=680 680w, /content/dam/money/2023/05/03/TELEMMGLPICT000334270899_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=960 960w" data-sizes="100vw" data-alt="What ‘net zero’ means, and how much it'll cost you" data-width="12000000" data-height="7500000" onerror="this.onerror=null;this.src='data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7';" srcset=" /content/dam/money/2023/05/03/TELEMMGLPICT000334270899_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160 160w, /content/dam/money/2023/05/03/TELEMMGLPICT000334270899_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=210 210w, /content/dam/money/2023/05/03/TELEMMGLPICT000334270899_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=320 320w, /content/dam/money/2023/05/03/TELEMMGLPICT000334270899_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=350 350w, /content/dam/money/2023/05/03/TELEMMGLPICT000334270899_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=480 480w, /content/dam/money/2023/05/03/TELEMMGLPICT000334270899_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=640 640w, /content/dam/money/2023/05/03/TELEMMGLPICT000334270899_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=680 680w, /content/dam/money/2023/05/03/TELEMMGLPICT000334270899_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=960 960w" data-js="LazyImage" sizes="100vw" alt="What ‘net zero’ means, and how much it'll cost you" loading="lazy" width="12000000" height="7500000"/> </div> </figure> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-md-4 article-list__secondary-container"> <section class="article-list article-list--collection-list " data-test="article-list-collection-list" data-type-track="collection-list"> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 collection-list__item collection-list__item--0 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/net-zero/hidden-costs-new-electric-vehicles-cars-charging-insurance/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">The seven potential hidden costs of your new electric vehicle</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">electric vehicles</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A12FmDD4xF0d"> <button id="save-article-icon-A12FmDD4xF0d" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A12FmDD4xF0d", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 collection-list__item collection-list__item--1 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/net-zero/clean-air-fine-ulez-london-bristol-glasgow-pollution/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">The British cities charging drivers clean air fines (and how to avoid them)</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">charging zones</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A100w5C0LMR6"> <button id="save-article-icon-A100w5C0LMR6" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A100w5C0LMR6", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 collection-list__item collection-list__item--2 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/consumer-affairs/switching-electric-car-took-months/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">‘Switching to an electric car took months – make sure you know what you’re in for’</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">chargers</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A1tBJkMXcvMs"> <button id="save-article-icon-A1tBJkMXcvMs" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1tBJkMXcvMs", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 collection-list__item collection-list__item--3 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/victorian-cottage-energy-efficiency-epc-south-downs/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">‘It cost us £60,000, but our flint Victorian cottage is now the model of energy efficiency’</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">property</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A1rJzLV3bQm5"> <button id="save-article-icon-A1rJzLV3bQm5" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1rJzLV3bQm5", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 collection-list__item collection-list__item--4 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/net-zero/solar-panels-cost-cheaper-energy-bills-track-tariff/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">Solar panels cost thousands – here’s how to make them pay for themselves</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">renewables</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A1lxNyPVnzNK"> <button id="save-article-icon-A1lxNyPVnzNK" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1lxNyPVnzNK", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--5 collection-list__item collection-list__item--5 grid-col grid-col-sm-12 grid-col-12 grid-col-6 grid-col-sm-3 " data-test="article-list--collection-list__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/net-zero/heat-pump-how-to-get-7500-off-cost-government-grant/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">Heat pump grants available from today – here's how to get £7,500 off the cost</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">heat pumps</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A1lf2TfGcLdd"> <button id="save-article-icon-A1lf2TfGcLdd" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1lf2TfGcLdd", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> </div> </section> <section class="article-list two-col-divided article-list--two-col-divided-6-6 article-list--channel-betterliving article-list--collection" data-test="article-list-two-col-vertical-container"> <div class="article-list__heading collections__large-heading"> <div class="article-list__collection-border article-list__collection-border--thin collection-header-main-container " data-test="article-list-heading-link-wrapper"> <div class="article-list__title-container" data-test="article-list-title-container"> <h2 class="article-list__heading-title u-heading-2 " data-test="article-list-heading-title">More net zero guides </h2> </div> </div> </div> <div class="grid grid--channel-betterliving grid--collection " data-layout-track="4x4x4"> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--articleURLImage " data-test="article-list-articleURLImage" data-type-track="articleURLImage"> <ul class="article-list__list grid " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 articleURLImage__item articleURLImage__item--0 grid-col grid-col-12 grid-col-6 grid-col-sm-3 grid-col-sm-6 " data-test="article-list--articleURLImage__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/victorian-houses-energy-efficiency-targets-struggle-meet/" data-rel="editorial"> <span class="u-heading-6 list-headline__text" data-test="headline"> <span class=" ">Why it’s so hard to make eco upgrades to Britain's Victorian homes</span> </span> </a> </h2> <div class="card__labels"> <span class="e-card-label" data-test="card-label">epc rating</span> </div> <div class="u-meta card__meta " data-test="card-meta"> <div class="card__meta-wrapper"> </div> </div>  <div class="save-article-actions" data-save-article-id="A050zsQgB8g5"> <button id="save-article-icon-A050zsQgB8g5" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A050zsQgB8g5", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> <div class="card__thumbnail u-order-first card__thumbnail--landscape"> <figure class="card__figure"> <div class="card__image "> <img class="lazy-image__img" src="/content/dam/property/2023/06/09/TELEMMGLPICT000338731913_16863085449590_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160" data-class="lazy-image__img" data-src="/content/dam/property/2023/06/09/TELEMMGLPICT000338731913_16863085449590_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160" data-srcset=" /content/dam/property/2023/06/09/TELEMMGLPICT000338731913_16863085449590_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160 160w, /content/dam/property/2023/06/09/TELEMMGLPICT000338731913_16863085449590_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=210 210w, /content/dam/property/2023/06/09/TELEMMGLPICT000338731913_16863085449590_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=320 320w, /content/dam/property/2023/06/09/TELEMMGLPICT000338731913_16863085449590_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=350 350w, /content/dam/property/2023/06/09/TELEMMGLPICT000338731913_16863085449590_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=480 480w, /content/dam/property/2023/06/09/TELEMMGLPICT000338731913_16863085449590_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=640 640w, /content/dam/property/2023/06/09/TELEMMGLPICT000338731913_16863085449590_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=680 680w, /content/dam/property/2023/06/09/TELEMMGLPICT000338731913_16863085449590_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=960 960w" data-sizes="100vw" data-alt="Victorian Homes EPC Rating" data-width="12000000" data-height="7510000" onerror="this.onerror=null;this.src='data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7';" srcset=" /content/dam/property/2023/06/09/TELEMMGLPICT000338731913_16863085449590_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=160 160w, /content/dam/property/2023/06/09/TELEMMGLPICT000338731913_16863085449590_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=210 210w, /content/dam/property/2023/06/09/TELEMMGLPICT000338731913_16863085449590_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=320 320w, /content/dam/property/2023/06/09/TELEMMGLPICT000338731913_16863085449590_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=350 350w, /content/dam/property/2023/06/09/TELEMMGLPICT000338731913_16863085449590_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=480 480w, /content/dam/property/2023/06/09/TELEMMGLPICT000338731913_16863085449590_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=640 640w, /content/dam/property/2023/06/09/TELEMMGLPICT000338731913_16863085449590_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=680 680w, /content/dam/property/2023/06/09/TELEMMGLPICT000338731913_16863085449590_trans_NvBQzQNjv4BqqVzuuqpFlyLIwiB6NTmJwfSVWeZ_vEN7c6bHu2jJnT8.jpeg?imwidth=960 960w" data-js="LazyImage" sizes="100vw" alt="Victorian Homes EPC Rating" loading="lazy" width="12000000" height="7510000"/> </div> </figure> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--guide-link " data-test="article-list-guide-link" data-type-track="guide-link"> <ul class="article-list__list grid horizontal-scroll__more-than-five-items " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 guide-link__item guide-link__item--0 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/net-zero/how-to-sidestep-the-planned-2026-oil-boiler-ban-heat-pump/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Oil boiler ban pushed back to 2035 – here’s how to get around it</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1RRN4DHtM5H"> <button id="save-article-icon-A1RRN4DHtM5H" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1RRN4DHtM5H", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 guide-link__item guide-link__item--1 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/consumer-affairs/8-alternatives-gas-boilers-whether-save-you-money/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Eight alternatives to gas boilers – and whether they can save you money</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1Lq2zQPtQvg"> <button id="save-article-icon-A1Lq2zQPtQvg" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1Lq2zQPtQvg", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--2 guide-link__item guide-link__item--2 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/probate/funerals/water-cremation-potassium-hydroxide-burial-costs-uk/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">Water cremation is the latest funeral trend – but how much does it cost?</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1DbCRP7Gmvf"> <button id="save-article-icon-A1DbCRP7Gmvf" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1DbCRP7Gmvf", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--3 guide-link__item guide-link__item--3 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/consumer-affairs/real-price-charging-electric-car-cost-home-work-public/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The real price of charging your electric car – and how to keep down costs</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A1BDF1R6Kt52"> <button id="save-article-icon-A1BDF1R6Kt52" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A1BDF1R6Kt52", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--4 guide-link__item guide-link__item--4 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/buy-to-let/landlords-new-epc-targets-buy-to-let-property/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">How to improve your EPC rating in seven steps</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0ZjMlgDMzB5"> <button id="save-article-icon-A0ZjMlgDMzB5" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0ZjMlgDMzB5", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--5 guide-link__item guide-link__item--5 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/consumer-affairs/water-meters-cheaper-increase-bills-refuse/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">What a water meter could do to your bills – and why you may be forced to have one</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A0gtnSdXLf4f"> <button id="save-article-icon-A0gtnSdXLf4f" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A0gtnSdXLf4f", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> <div class="grid-col grid-col-12 grid-col-sm-4 grid-column-4"> <section class="article-list article-list--guide-link " data-test="article-list-guide-link" data-type-track="guide-link"> <ul class="article-list__list grid " data-test="article-list-list" data-js="scroll-target"> <li class="article-list__item article-list__item--0 guide-link__item guide-link__item--0 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/property/mortgages/green-mortgages-buyers-energy-efficient-property/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The truth about ‘green’ mortgages, the net zero product for energy efficient homes</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="A00F1kHjfW7y"> <button id="save-article-icon-A00F1kHjfW7y" class="e-save-article " data-test="save-article" data-save-article='{ "id": "A00F1kHjfW7y", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> <li class="article-list__item article-list__item--1 guide-link__item guide-link__item--1 grid-col grid-col-12 " data-test="article-list--guide-link__item"> <article data-test="card" data-track="" data-test-save="save-article-enabled" data-save-article-enabled="true" class="card u-clickable-area card--premium card--not-opinion "> <div class="card__content " data-test="article-comment-content"> <h2 class="list-headline list-headline--premium u-heading-6" data-track-wrapper="article-list "> <a class="list-headline__link list-headline__gl-link u-clickable-area__link" data-track-block data-test="list-headline-link" rel=" " href="/money/consumer-affairs/energy-bills-rising-save-home-upgrades-worth-investment/" data-rel="editorial"> <span class="u-heading-6 list-headline__text list-headline__gl" data-test="headline"> <span class=" ">The energy-saving upgrades for your home that are actually worth it</span> <span class="list-headline__arrow"> <svg class="article-list__guide-icon" viewBox="0 0 16 15" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M7.99989 14L14.5 7.50002L7.99989 1" stroke="#494949" fill="none" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="bevel"/> <path d="M14.5 7.5H1.5" stroke="#494949" stroke-width="1.5" stroke-linecap="round"/> </svg> </span> </span> </a> </h2>  <div class="save-article-actions" data-save-article-id="Azfjpvs5Fvm9"> <button id="save-article-icon-Azfjpvs5Fvm9" class="e-save-article " data-test="save-article" data-save-article='{ "id": "Azfjpvs5Fvm9", "text": { "save": "Save", "saved": "Saved" } }'> <svg data-test="save-icon" class="e-save-article__icon" xmlns="http://www.w3.org/2000/svg" width="12" height="14" viewBox="0 0 12 14" fill="none"> <path class="ribbon--outline" fill-rule="evenodd" clip-rule="evenodd" d="M1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342ZM10.75 1.25H1.25V12.0085L4.91313 10.2401C5.59979 9.90861 6.40021 9.90861 7.08687 10.2401L10.75 12.0085V1.25Z" fill="#222222"/> <path class="ribbon--inside" d="M10.75 0H1.25C0.559644 0 0 0.559644 0 1.25V12.0085C0 12.9302 0.963437 13.5349 1.79344 13.1342L5.45656 11.3658C5.7999 11.2 6.2001 11.2 6.54344 11.3658L10.2066 13.1342C11.0366 13.5349 12 12.9302 12 12.0085V1.25C12 0.559644 11.4404 0 10.75 0Z" fill="#222222"/> </svg> <span class="save-article-text">Save</span> </button> </div> </div> </article> </li> </ul> </section> </div> </div> </section> <div class="list-header list-header--grey u-clickable-area" data-test="list-header"> <div class="list-header__container"> <div class="e-list-heading e-list-heading--grey "> <div class="e-list-heading__wrapper"> <H1 data-test="list-heading-title" class="e-list-heading__title u-heading-5">Money guides</H1> </div> </div> </div> <div class="grid e-list-text e-list-text--grey "> <div class="grid-col grid-col-12 u-heading-6" data-test="list-text"> <p>Welcome to Telegraph Money’s home for all of its personal finance guides. Our aim is to provide you with expert advice and practical tips to help you manage your money better. Whether you're looking to reduce your household bills, navigate the complexities of investing, or plan for retirement, our guides are here to support you every step of the way.</p> </div> </div> </div> </main> <footer class="site-footer" data-test="site-footer"> <div class="site-footer__container site-footer__container--top"> <div class="site-footer__masthead" data-track-wrapper="bottom_logo"> <div class="site-footer__logo-wrapper"> <a href="/" class="site-footer__logo-link" data-track-img data-test="site-footer-logo-link"> <svg class="site-footer__logo" viewBox="0 0 320 52" xmlns="http://www.w3.org/2000/svg" data-test="site-footer-logo"> <title id="site-footer-logo-title">The Telegraph</title> <use xlink:href="#site-logo"/> </svg> </a> </div> <div class="site-footer__back-to-top"> <a href="#navigation" class="site-footer__back-to-top-link" data-back-to-top-event data-test="site-footer-back-to-top"> <span class="site-footer__back-to-top-text">Back to top</span> <svg class="site-footer__back-to-top-icon tmg-svg-icon" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 10 5"> <path d="M.312 0L5 2.353 9.687 0 10 .294 5 5 0 .294.312 0z"/> </svg> </a> </div> <div class="site-footer__social" data-test="site-footer-social"> <span class="site-footer__social-description">Follow us on:</span> <ul class="site-footer__social-links" data-test="social-links"> <li class="site-footer__social-item"> <a href="https://www.facebook.com/TELEGRAPH.CO.UK/" class="site-footer__social-link" data-test="social-link-facebook" aria-label="Visit our Facebook page" target="_blank" rel="noopener noreferrer"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20" class="site-footer__social-icon"> <title>Facebook icon</title> <path d="M11.1973 18V10.7122H13.5654L13.9202 7.85967H11.1973V6.04325C11.1973 5.21877 11.4173 4.65746 12.5561 4.65746H14V2.11226C13.7481 2.07729 12.8878 2 11.8856 2C9.79246 2 8.3592 3.32505 8.3592 5.75983V7.85967H6V10.7122H8.3592V18H11.1973Z"/> </svg> </a> </li> <li class="site-footer__social-item"> <a href="https://www.instagram.com/telegraph/" class="site-footer__social-link" data-test="social-link-instagram" aria-label="Visit our Instagram page" target="_blank" rel="noopener noreferrer"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20" class="site-footer__social-icon"> <title>Instagram icon</title> <path fill-rule="evenodd" clip-rule="evenodd" d="M9.99683 3.44156C12.1333 3.44156 12.3841 3.45108 13.2286 3.48918C14.0095 3.52411 14.4317 3.6543 14.7143 3.76543C15.0889 3.91149 15.3556 4.08295 15.6349 4.36237C15.9143 4.64179 16.0889 4.90851 16.2317 5.28319C16.3397 5.56579 16.473 5.98809 16.5079 6.7692C16.546 7.61381 16.5556 7.86466 16.5556 10.0016C16.5556 12.1385 16.546 12.3894 16.5079 13.234C16.473 14.0151 16.3429 14.4374 16.2317 14.72C16.0857 15.0947 15.9143 15.3614 15.6349 15.6408C15.3556 15.9202 15.0889 16.0949 14.7143 16.2377C14.4317 16.3457 14.0095 16.4791 13.2286 16.514C12.3841 16.5521 12.1333 16.5616 9.99683 16.5616C7.86032 16.5616 7.60952 16.5521 6.76508 16.514C5.98413 16.4791 5.56191 16.3489 5.27937 16.2377C4.90476 16.0917 4.6381 15.9202 4.35873 15.6408C4.07937 15.3614 3.90476 15.0947 3.7619 14.72C3.65397 14.4374 3.52064 14.0151 3.48571 13.234C3.44762 12.3894 3.4381 12.1385 3.4381 10.0016C3.4381 7.86466 3.44762 7.61381 3.48571 6.7692C3.52064 5.98809 3.65079 5.56579 3.7619 5.28319C3.90794 4.90851 4.07937 4.64179 4.35873 4.36237C4.6381 4.08295 4.90476 3.90832 5.27937 3.76543C5.56191 3.65747 5.98413 3.52411 6.76508 3.48918C7.60952 3.44791 7.86349 3.44156 9.99683 3.44156ZM9.99683 2C7.8254 2 7.55238 2.00953 6.69841 2.04763C5.84762 2.08573 5.26667 2.22227 4.75873 2.41913C4.23175 2.62235 3.7873 2.89859 3.34286 3.34312C2.89841 3.78766 2.6254 4.23536 2.41905 4.75928C2.22222 5.26732 2.08571 5.84838 2.04762 6.70252C2.00952 7.55348 2 7.82655 2 9.99841C2 12.1703 2.00952 12.4433 2.04762 13.2975C2.08571 14.1484 2.22222 14.7295 2.41905 15.2407C2.62222 15.7678 2.89841 16.2123 3.34286 16.6569C3.7873 17.1014 4.23492 17.3745 4.75873 17.5809C5.26667 17.7777 5.84762 17.9143 6.70159 17.9524C7.55556 17.9905 7.8254 18 10 18C12.1746 18 12.4444 17.9905 13.2984 17.9524C14.1492 17.9143 14.7302 17.7777 15.2413 17.5809C15.7683 17.3777 16.2127 17.1014 16.6571 16.6569C17.1016 16.2123 17.3746 15.7646 17.581 15.2407C17.7778 14.7327 17.9143 14.1516 17.9524 13.2975C17.9905 12.4433 18 12.1734 18 9.99841C18 7.82338 17.9905 7.55348 17.9524 6.69935C17.9143 5.84838 17.7778 5.26732 17.581 4.7561C17.3778 4.22901 17.1016 3.78448 16.6571 3.33995C16.2127 2.89542 15.7651 2.62235 15.2413 2.41596C14.7333 2.21909 14.1524 2.08256 13.2984 2.04445C12.4413 2.00953 12.1683 2 9.99683 2ZM9.99661 5.89313C7.72994 5.89313 5.88867 7.73159 5.88867 10.0019C5.88867 12.2722 7.72677 14.1106 9.99661 14.1106C12.2665 14.1106 14.1045 12.2722 14.1045 10.0019C14.1045 7.73159 12.2665 5.89313 9.99661 5.89313ZM9.99661 12.6659C8.52359 12.6659 7.32994 11.472 7.32994 9.9987C7.32994 8.5254 8.52359 7.33151 9.99661 7.33151C11.4696 7.33151 12.6633 8.5254 12.6633 9.9987C12.6633 11.472 11.4696 12.6659 9.99661 12.6659ZM15.2258 5.72778C15.2258 6.25738 14.7966 6.6867 14.2671 6.6867C13.7376 6.6867 13.3083 6.25738 13.3083 5.72778C13.3083 5.19818 13.7376 4.76886 14.2671 4.76886C14.7966 4.76886 15.2258 5.19818 15.2258 5.72778Z"/> </svg> </a> </li> <li class="site-footer__social-item"> <a href="https://twitter.com/@Telegraph" class="site-footer__social-link" data-test="social-link-twitter" aria-label="Visit our Twitter page" target="_blank" rel="noopener noreferrer"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20" class="site-footer__social-icon"> <title>X icon</title> <path d="M11.4894 8.77491L17.3177 2H15.9366L10.8759 7.88256L6.83392 2H2.172L8.28424 10.8955L2.172 18H3.55319L8.89742 11.7878L13.166 18H17.828L11.4891 8.77491H11.4894ZM9.59768 10.9738L8.97839 10.0881L4.05086 3.03974H6.17229L10.1489 8.72795L10.7682 9.61374L15.9372 17.0075H13.8158L9.59768 10.9742V10.9738Z"/> </svg> </a> </li> <li class="site-footer__social-item"> <a href="https://www.snapchat.com/discover/The_Telegraph/8148798159" class="site-footer__social-link" data-test="social-link-snapchat" aria-label="Visit our Snapchat page" target="_blank" rel="noopener noreferrer"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20" class="site-footer__social-icon"> <title>Snapchat icon</title> <path d="M17.9422 13.7043C17.8318 13.3971 17.6194 13.2311 17.3783 13.0983C17.3334 13.0734 17.2925 13.0485 17.2558 13.0319C17.1822 12.9946 17.1087 12.9572 17.0351 12.9198C16.2834 12.5131 15.695 12.0067 15.2905 11.4008C15.1761 11.2306 15.074 11.048 14.9923 10.8612C14.9555 10.7616 14.9596 10.7035 14.9841 10.6495C15.0086 10.608 15.0413 10.5748 15.0821 10.5458C15.2129 10.4586 15.3436 10.3715 15.4335 10.3134C15.5929 10.2054 15.7236 10.1224 15.8053 10.0643C16.1118 9.84436 16.3283 9.61193 16.4631 9.35045C16.6552 8.98521 16.6797 8.55772 16.5326 8.17172C16.3283 7.62386 15.8217 7.28768 15.2047 7.28768C15.074 7.28768 14.9473 7.30013 14.8166 7.32918C14.7839 7.33748 14.7471 7.34578 14.7144 7.35409C14.7185 6.98054 14.7103 6.58625 14.6777 6.19611C14.5633 4.83061 14.0893 4.11673 13.599 3.54812C13.2844 3.19118 12.9167 2.8882 12.5041 2.65162C11.7605 2.21997 10.9147 2 9.99542 2C9.07613 2 8.23447 2.21997 7.49087 2.65162C7.07821 2.8882 6.7105 3.19118 6.39589 3.54812C5.90561 4.11673 5.43575 4.83476 5.31726 6.19611C5.28458 6.58625 5.27641 6.98054 5.28049 7.35409C5.24781 7.34578 5.21512 7.33748 5.17835 7.32918C5.05169 7.30013 4.92095 7.28768 4.79429 7.28768C4.17735 7.28768 3.67072 7.62802 3.46643 8.17172C3.31934 8.55772 3.34386 8.98521 3.53589 9.35045C3.67072 9.61193 3.88726 9.84436 4.19369 10.0643C4.2754 10.1224 4.40206 10.2054 4.56549 10.3134C4.65129 10.3715 4.77795 10.4545 4.90461 10.5375C4.94955 10.5665 4.98632 10.6039 5.01492 10.6495C5.03943 10.7035 5.04352 10.7616 5.00266 10.8695C4.92095 11.0521 4.82289 11.2306 4.70849 11.3966C4.31218 11.986 3.74017 12.4882 3.01291 12.8908C2.62886 13.0983 2.22846 13.2353 2.05685 13.7043C1.9302 14.0571 2.01191 14.4555 2.33468 14.7959C2.45317 14.9204 2.59208 15.0283 2.74326 15.1113C3.05786 15.2856 3.39289 15.4226 3.74426 15.518C3.8178 15.5388 3.88317 15.5678 3.94446 15.6093C4.06295 15.7131 4.0466 15.8708 4.20186 16.1032C4.27949 16.2236 4.38163 16.3274 4.49603 16.4104C4.82698 16.6428 5.19878 16.6553 5.59101 16.6719C5.94647 16.6843 6.34687 16.7009 6.80855 16.8545C7.00058 16.9167 7.1967 17.0412 7.4255 17.1865C7.97707 17.531 8.72884 18 9.99133 18C11.2538 18 12.0097 17.5268 12.5653 17.1824C12.7941 17.0412 12.9903 16.9167 13.1741 16.8545C13.6317 16.7009 14.0362 16.6843 14.3917 16.6719C14.7839 16.6553 15.1557 16.6428 15.4866 16.4104C15.6255 16.3108 15.7399 16.1863 15.8217 16.0368C15.9361 15.8418 15.932 15.7048 16.0382 15.6093C16.0954 15.5678 16.1608 15.5388 16.2262 15.5222C16.5775 15.4267 16.9207 15.2898 17.2394 15.1113C17.3988 15.0241 17.5458 14.9079 17.6684 14.7709L17.6725 14.7668C17.9912 14.4348 18.0688 14.0446 17.9422 13.7043ZM16.8227 14.3144C16.1404 14.6962 15.6827 14.6547 15.3314 14.8872C15.029 15.0822 15.2088 15.5056 14.9923 15.6591C14.7226 15.8459 13.93 15.6467 12.9085 15.9912C12.0628 16.2734 11.5276 17.0911 10.0077 17.0911C8.48779 17.0911 7.96481 16.2776 7.10681 15.9912C6.08538 15.6467 5.29275 15.8501 5.02309 15.6591C4.80655 15.5056 4.98223 15.0822 4.68398 14.8872C4.32852 14.6547 3.875 14.6962 3.19269 14.3144C2.75551 14.0695 3.00474 13.9201 3.14774 13.8495C5.62369 12.6335 6.02001 10.7533 6.03635 10.6122C6.05678 10.442 6.08129 10.3092 5.89744 10.139C5.72175 9.97302 4.93729 9.47912 4.71666 9.32555C4.35712 9.06822 4.19777 8.81505 4.31626 8.49961C4.39798 8.28379 4.59818 8.20078 4.80655 8.20078C4.87192 8.20078 4.93729 8.20908 5.00266 8.22153C5.39898 8.30869 5.78304 8.50791 6.00367 8.56602C6.03227 8.57432 6.05678 8.57847 6.08538 8.57847C6.20387 8.57847 6.24472 8.51621 6.23655 8.37925C6.21204 7.9393 6.15075 7.08431 6.22021 6.28327C6.31418 5.1834 6.66147 4.63554 7.07821 4.15409C7.27841 3.92166 8.21404 2.91725 10.0077 2.91725C11.8013 2.91725 12.7369 3.91751 12.9371 4.14994C13.3539 4.63139 13.7012 5.17925 13.7951 6.27912C13.8646 7.08016 13.8033 7.93515 13.7747 8.3751C13.7665 8.52036 13.8074 8.57432 13.9259 8.57432C13.9545 8.57432 13.979 8.57017 14.0076 8.56187C14.2282 8.50791 14.6123 8.30454 15.0086 8.21738C15.074 8.20078 15.1393 8.19663 15.2047 8.19663C15.4131 8.19663 15.6133 8.27964 15.695 8.49546C15.8135 8.81089 15.6541 9.06407 15.2946 9.3214C15.0781 9.47497 14.2936 9.96887 14.1138 10.1349C13.93 10.3051 13.9545 10.4379 13.9749 10.608C13.9913 10.7492 14.3876 12.6293 16.8635 13.8454C17.0106 13.916 17.2558 14.0695 16.8227 14.3144Z"/> </svg> </a> </li> <li class="site-footer__social-item"> <a href="https://www.linkedin.com/company/9053/" class="site-footer__social-link" data-test="social-link-linkedin" aria-label="Visit our LinkedIn page" target="_blank" rel="noopener noreferrer"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20" class="site-footer__social-icon"> <title>LinkedIn icon</title> <path d="M5.51774 18H2.22695V7.33333H5.51774V18ZM3.92907 5.85816C2.9078 5.85816 2 4.95035 2 3.92908C2 2.9078 2.9078 2 3.92907 2C4.95035 2 5.85815 2.9078 5.85815 3.92908C5.85815 4.95035 4.95035 5.85816 3.92907 5.85816ZM18 18H14.7092V12.7801C14.7092 11.5319 14.7092 9.94326 13.0071 9.94326C11.305 9.94326 10.9645 11.305 10.9645 12.6667V17.8865H7.67376V7.21986H10.8511V8.69504C11.5319 7.56028 12.6667 6.87943 14.0284 6.99291C17.4326 6.99291 18 9.14894 18 12.0993V18Z"/> </svg> </a> </li> <li class="site-footer__social-item"> <a href="https://www.youtube.com/channel/UCPgLNge0xqQHWM5B5EFH9Cg" class="site-footer__social-link" data-test="social-link-youtube" aria-label="Visit our YouTube page" target="_blank" rel="noopener noreferrer"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20" class="site-footer__social-icon"> <title>YouTube icon</title> <path d="M17.6636 6.07372C17.4818 5.37326 16.9364 4.82027 16.2455 4.62672C15 4.28571 10 4.28571 10 4.28571C10 4.28571 5 4.28571 3.74545 4.62672C3.05455 4.81105 2.51818 5.36405 2.32727 6.07372C2 7.34561 2 9.99999 2 9.99999C2 9.99999 2 12.6544 2.33636 13.9263C2.51818 14.6267 3.06364 15.1797 3.75455 15.3733C5 15.7143 10 15.7143 10 15.7143C10 15.7143 15 15.7143 16.2545 15.3733C16.9455 15.1889 17.4818 14.6359 17.6727 13.9263C18 12.6544 18 9.99999 18 9.99999C18 9.99999 18 7.34561 17.6636 6.07372Z"/> <path class="youtube-arrow" d="M8.36353 12.4141L12.5454 9.99937L8.36353 7.58463V12.4141Z"/> </svg> </a> </li> </ul> </div> </div> </div> <div class="site-footer__primary-content"> <div class="site-footer__container"> <nav class="site-footer__navigation"> <ul class="site-footer__navigation-list grid" data-track-wrapper="footer_nav" data-test="site-footer-navigation"> <li class="site-footer__navigation-item grid-col grid-col-6 grid-col-sm-4 grid-col-lg-3"> <a class="site-footer__navigation-link" href="https://www.telegraph.co.uk/customer/subsdigitaleditionapp/" data-track-txt>Download the Telegraph App</a> </li> <li class="site-footer__navigation-item grid-col grid-col-6 grid-col-sm-4 grid-col-lg-3"> <a class="site-footer__navigation-link" href="/contact-us/" data-track-txt>Help Centre</a> </li> <li class="site-footer__navigation-item grid-col grid-col-6 grid-col-sm-4 grid-col-lg-3"> <a class="site-footer__navigation-link" href="https://telegraphmediagroup.com/about-us/" data-track-txt>About us</a> </li> <li class="site-footer__navigation-item grid-col grid-col-6 grid-col-sm-4 grid-col-lg-3"> <a class="site-footer__navigation-link" href="https://extra.telegraph.co.uk/" data-track-txt>Telegraph Extra</a> </li> <li class="site-footer__navigation-item grid-col grid-col-6 grid-col-sm-4 grid-col-lg-3"> <a class="site-footer__navigation-link" href="https://telegraph.newsprints.co.uk/" data-track-txt>Reader Prints</a> </li> <li class="site-footer__navigation-item grid-col grid-col-6 grid-col-sm-4 grid-col-lg-3"> <a class="site-footer__navigation-link" href="/branded-content/" data-track-txt>Branded Content</a> </li> <li class="site-footer__navigation-item grid-col grid-col-6 grid-col-sm-4 grid-col-lg-3"> <a class="site-footer__navigation-link" href="/syndication/" data-track-txt>Syndication and Commissioning</a> </li> <li class="site-footer__navigation-item grid-col grid-col-6 grid-col-sm-4 grid-col-lg-3"> <a class="site-footer__navigation-link" href="https://fantasyfootball.telegraph.co.uk/" data-track-txt>Fantasy Sport</a> </li> <li class="site-footer__navigation-item grid-col grid-col-6 grid-col-sm-4 grid-col-lg-3"> <a class="site-footer__navigation-link" href="https://www.telegraph.co.uk/vouchercodes" data-track-txt>UK Voucher Codes</a> </li> <li class="site-footer__navigation-item grid-col grid-col-6 grid-col-sm-4 grid-col-lg-3"> <a class="site-footer__navigation-link" href="/betting/free-bets/" data-track-txt>Betting Offers</a> </li> <li class="site-footer__navigation-item grid-col grid-col-6 grid-col-sm-4 grid-col-lg-3"> <a class="site-footer__navigation-link" href="/about-us/press-acquisitions-limited-tax-strategy-financial-year-2022/" data-track-txt>Tax Strategy</a> </li> <li class="site-footer__navigation-item grid-col grid-col-6 grid-col-sm-4 grid-col-lg-3"> <a class="site-footer__navigation-link" href="https://www.telegraph.co.uk/compare" data-track-txt>Broadband and Mobile Deals</a> </li> <li class="site-footer__navigation-item grid-col grid-col-6 grid-col-sm-4 grid-col-lg-3"> <a class="site-footer__navigation-link" href="https://telegraph.co.uk/newsletters" data-track-txt>Newsletters</a> </li> <li class="site-footer__navigation-item grid-col grid-col-6 grid-col-sm-4 grid-col-lg-3"> <a class="site-footer__navigation-link" href="/about-us/privacy-and-cookie-policy/" data-track-txt>Privacy</a> </li> <li class="site-footer__navigation-item grid-col grid-col-6 grid-col-sm-4 grid-col-lg-3"> <a class="site-footer__navigation-link" href="/about-us/terms-and-conditions/" data-track-txt>Terms & Conditions</a> </li> <li class="site-footer__navigation-item grid-col grid-col-6 grid-col-sm-4 grid-col-lg-3"> <a class="site-footer__navigation-link" href="/about-us/modern-slavery-statement/" data-track-txt>Modern Slavery</a> </li> <li class="site-footer__navigation-item grid-col grid-col-6 grid-col-sm-4 grid-col-lg-3"> <a class="site-footer__navigation-link" href="/about-us/advertising-terms-and-conditions/" data-track-txt>Advertising terms</a> </li> <li class="site-footer__navigation-item grid-col grid-col-6 grid-col-sm-4 grid-col-lg-3"> <a class="site-footer__navigation-link" href="/about-us/editorial-and-commercial-guidelines/" data-track-txt>Guidelines</a> </li> <li class="site-footer__navigation-item grid-col grid-col-6 grid-col-sm-4 grid-col-lg-3"> <a class="site-footer__navigation-link" href="https://www.chelseamagazines.com/" data-track-txt>The Chelsea Magazine Company</a> </li> </ul> <div class="site-footer__navigation-text" data-test="site-footer-copyright">© Telegraph Media Group Holdings Limited 2024</div> </nav> </div> </div> </footer> <script type="text/javascript"> window.addEventListener( 'DOMContentLoaded', function() { _satellite.pageBottom(); }); </script> </body> </html>

CINXE.COM

Money Guides - The Telegraph