A New Year's wishlist for wealth - and happiness:?年金 改革（する）, 貯金 取引，協定s, a 数字表示式の bank. What's in 蓄える／店 for YOUR 2015

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PENSIONS?

The biggest 年金s 改革（する） in a century kicks off in April, 権力を与えるing hundreds of thousands of savers. Anyone with a defined 出資／貢献 年金 and 老年の at least 55 will have freedom over how they 身を引く their money.

Some people with defined 利益 年金s will also be able to 移転 their 基金s to a 計画／陰謀 where they can take advantage of the new liberties, but they will need professional advice first.

Hundreds of thousands of people retire each year and they will be able to choose between keeping money 投資するd, 身を引くing sums when they want, or taking the whole lot as a lump sum. Only 25 per cent of any 撤退 will be 税金-解放する／自由な, the 残りの人，物 will be 税金d as income.

New 夜明け: The biggest 始める，決める of 年金 改革（する）s for a century begins in April 2015

• ?TOP TIPS: Your 年金 選択s will be explained to you, for 解放する／自由な, by either the 国民s Advice Bureau 網状組織 (citizensadvice.org.uk) or by The 年金s （a）忠告の／（n）警報 Service (0300 123 1047/pensionsadvisoryservice.org.uk).

• Also, remember your 年金 マリファナ proceeds are taxable. A higher-率 taxpayer 身を引くing a £60,000 lump sum would receive £15,000 税金 解放する／自由な but 支払う／賃金 40 per cent 税金 on the remaining £45,000. Anyone 収入 £42,386 or more in the 税金 year from April 2015 支払う／賃金s higher 率 税金.

CASE STUDY - MORE IN THE PIGGY BANK FOR OUR BOYS?

顧客 助言者 Sarah Richardson is keen next year to 転換 her children’s 貯金 into 税金-friendly Junior Isas. The move, she says, will give her and husband Matthew greater choice over how their children’s money is 投資するd.

Sarah, 34, and catering 経営者／支配人 Matthew, 33, have two sons ? William, seven, and Freddie, four. Sarah says: 'I am definitely looking to 移転 their money to a Junior Isa and I may then start 支払う／賃金ing in new money again, which I’m not at the moment.

'I am hoping the 基金s will give them enough money for a car or whatever they need when they reach adulthood.'

Freddie and William’s 貯金 are 現在／一般に held inside Child 信用 基金s run by Skipton Building Society.

Saving grace:?Sarah and Matthew Richardson are swapping to Junior Isas for children William and Freddie

The deposit-taker 申し込む／申し出s a 競争の激しい 2.65 per cent on these accounts ? the same as it 適用するs to cash-based 貯金 in its Junior Isa. Not all providers 申し込む／申し出 parity between the two different types of account. But the Richardsons say they would still like to switch the CTFs into Junior Isas when permitted to do so in April.

But the Richardsons say they would still like to switch the CTFs into Junior Isas when permitted to do so in April.

Parents stuck with CTFs have often 設立する there is いっそう少なく choice of 投資s than with Junior Isas.

SAVINGS??

From January, savers 老年の 65 and older can 購入（する） 'pensioner 社債s' from 国家の 貯金 & 投資s. 率s are market 主要な at 2.8 per cent 直す／買収する，八百長をするd for a one-year 社債 and four per cent 直す／買収する，八百長をするd for a three-year 社債. The 最小限 deposit per person per 社債 type is £500 - the 最大限 is £10,000.?

The 最大限 sum that can be put into 賞与金 社債s ? the 月毎の prize draw where winnings are 税金-解放する／自由な ? will also 増加する next year from £40,000 to £50,000.

From April, it is also 推定する／予想するd that parents of children with Child 信用 基金 貯金 will be given freedom to transfe r them to a Junior Isa. Jisas 取って代わるd CTFs in 2011.

• ?TOP TIP: Anyone keen to 得る，とらえる a pensioner 社債 will need to be quick off the 示す ? they will be 孤立した once £10 billion of 社債s have been sold. First come, first-served.

The exact 開始する，打ち上げる date has not been 発表するd but 調印する up for email 警報s at nsandi.com/貯金-65plus.

BORROWING?

Some 経済学者s 予報する that the Bank of England base 率 will creep up in the autumn, for the first time since March 2009. If true, mortgage costs will rise which means it will 支払う／賃金 homeowners to 直す／買収する，八百長をする their 利益／興味 率 to 避ける bigger 月毎の 返済s.

Mortgages 利用できる now 含む 直す／買収する，八百長をするd-率 取引，協定s at sub-2 per cent for three years from the 地位，任命する Office and 全国的な Building Society.

There are also ten-year 直す／買収する，八百長をするd-率 mortgages from Santander and TSB, both at 3.44 per cent. Personal 貸付金 率s are also low, with 取引，協定s below 4 per cent over three years for those borrowing £10,000.

From Friday, the 財政上の 行為／行う 当局, which 規制するs the country’s 財政上の services 産業, will 課す a cost cap of 0.8 per cent a day on payday 貸付金s.

These are quick 貸付金s, often 安全な・保証するd online in minutes, which are 悪名高くも expensive.

Mortgage 取引，協定s: 10-year 直す／買収する，八百長をするd 率 mortgages are 利用できる from some 貸す人s at under 3.50 per cent

Default 料金s will also be capped at £15. And the total cost of the 貸付金, 含むing 利益／興味 and 料金s, cannot be more than 二塁打 the 初期の 量 borrowed.

• ?TOP TIP: Compare the 取引，協定s that are 利用できる for mortgages and home 貸付金s on comparison websites such as MoneySuperMarket or Moneyfacts.

However, 耐える in mind big 料金s 大（公）使館員d to some mortgage 取引，協定s, which can 意味ありげに 増加する what you 支払う／賃金 全体にわたる.

Use the mortgage calculator on our sister website ThisisMoney.

BANKING?

Personal 経常収支s are 現在／一般に the 支配する of an in-depth review by the 競争 and Markets 当局. 早期に findings from the 調査 are likely in September, 覆うing the way for possible 改良s in the accounts 申し込む／申し出d.

An 昇格 to the 現在の Account Switch Service also comes into play next year. This year-old system has shrunk waiting times for people who switch their bank account to a new provider from 30 days 負かす／撃墜する to seven working days.

It is an 自動化するd 過程 with any 逸脱する 支払い（額）s 配達するd to or 需要・要求するd from the old account redirected to the new one for a period of 13 months after the 初期の switch.

From March this redirection service will be 延長するd to 36 months.

科学（工学）技術 will その上の transform banking next year. A new 数字表示式の-only bank called 原子 is 推定する／予想するd to 開始する，打ち上げる ? 始める，決める up by Metro Bank 創立者 Anthony Thomson with 財政上の 支援 from 星／主役にする 基金 経営者／支配人 Neil Woodford of Woodford 投資 管理／経営.

動きやすい 支払い（額）s system Zapp will go live in 2015 and has partnered with a long 名簿（に載せる）／表（にあげる） of retailers and banks, 含むing Asda, Sainsbury’s, House of Fraser, HSBC, 全国的な, Santander and Metro Bank.

Zapp 許すs shoppers to 支払う／賃金 for items with their smartphone, using an app linked to their bank account.

• ?TOP TIP: Compare 経常収支 取引，協定s online using websites such as Gocompare or Which?. If you want to compare accounts based on 顧客 service or 倫理学, visit websites FairerFinance and MoveYourMoney.

現在の Accounts Of The Week

£100 cash to switch

£250 解放する／自由な overdraft

5% 利益／興味 on up to £2,500

FlexDirect

2% cashback on 世帯 法案s

£150 cash to switch

1.5% 利益／興味 on £20k

Up to 3% cashback

£180 giftcard to switch and stay

£100 解放する／自由な overdraft

ENERGY?

The findings of a major energy market 調査 will be 解放（する）d throughout the year by the 競争 and Markets 当局, with its final 報告（する）／憶測 予定 by December. This comes on the 支援する of continued rising energy 法案s. によれば website Gocompare, 13 関税s come to an end on New Year’s Eve, which could 押し進める up 法案s by an 普通の／平均（する） of £78 over the next year unless 世帯s take 活動／戦闘.

The 13 含む selected 取引，協定s from EDF Energy, M&S Energy, npower, SSE, ScottishPower and iSupplyEnergy.

Anyone 影響する／感情d by the ending of these 関税s should 研究 new 取引，協定s as soon as possible.

一方／合間, new water 率 告発（する），告訴（する）／料金s have been 発表するd by regulator Ofwat, which 施行される from April. As a result, 世帯s are likely to receive わずかに higher 法案s.

• ?TOP TIP: When using a comparison website to switch energy 供給者, tick the ‘No’ box if you are asked whether you want to see only 取引，協定s that you can switch to today. By doing this, you should get a more 包括的な 範囲 oftariffs, rather than a 名簿（に載せる）／表（にあげる） of 供給者s the website has an 協定 with.

LEISURE?

Orange Wednesdays ? a popular 取引，協定 許すing 顧客s of 動きやすい 網状組織 EE to 行き詰まり，妨げる two 中央の-week cinema tickets for the price of one ? ends on Wednesday, February 25. 一方／合間 割引s will be 手渡すd out to families 飛行機で行くing abroad from May 1. Children under the age of 12 will be 免除された from 支払う／賃金ing 税金 on economy-class seats.

• ?TOP TIP: For 割引d cinema tickets, try ‘Take 2’ Thursdays at Cineworld, ‘取引 Tuesday’ at the Odeon and ‘最高の Tuesday’ at Vue cinemas.

• For flights, if you have already paid for one that 出発／死s after May 1, which 含むs a ticket for a child under 12, ask your 航空機による for a refund of the 空気／公表する 乗客 義務.

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