Buy-to-let should be regarded as a hands-on business rather than an investment

Mark Dampier: Why trade pension freedom for the work and worry of buy-to-let?

Pension Freedom Day is only two days away. I repeatedly hear that a significant amount of pension money will be invested in buy-to-let, so I thought I would give my two penn'orth on the subject.

P2P lender is ready for pension freedom

Peer-to-peer lending has proved that it can consistently offer high returns

A cloud on the horizon of pensions freedom is the potential tax burden: some people will have tax deducted at an emergency rate

Simon Read: 'New pension freedoms should be a good thing, but beware of the potential pitfalls'

One reader who decided to cash in his pension to help get himself on the housing ladder was told that he would be charged emergency tax

Simon Read: 'Could crooks and scammers exploit pension confusion?'

Some people feel they're already been victims of pension scammers

According to a report, information about millions of people’s pension plans is being sold off without any checks of the buyers’ intentions

Details of people's pension pots are being sold for as little as 5p each, report claims

Details such as salaries, the value of the investment and the size of the pension were able to be bought

Hard labour: a woman bears the load in a factory. But equal treatment is causing pension problems

Women to lose benefits from contracted-out pension scheme

Workers were promised that the state would pay inflation increases on parts of their pensions. But now the DWP disagrees

Simon Read: 'Put the phone straight down on the pension fraudsters'

Scammers ring out of the blue, so don't listen to cold-callers, FCA advises

Simon Read: 'Loophole closes on pension freedom and welfare payments'

One reader pointed out that he could cash in his small annuity and have the income replaced through pension credits. The DWP is set to close the loophole

Government's Pension Wise guidance service is up and running

People can now book an appointment to receive some face-to-face advice

Take your time with pension freedoms - 6 April shouldn't be viewed as a deadline

It is important that customers understand their choices and what they will mean, says Andrew Hagger

Simon Read: 'It's a new dawn for pensions but we'll need expert help or we won't see the light'

New research from Citizens Advice reveals that many people face difficulties

Steve Webb, the Pensions minister, said people should be allowed to make their own choices about what to do with their cash, even if that meant buying a “Lamborghini”.

Consumers face rip-off scams after pension reforms, MPs warn

Report condemns lack of advice and protection in pension freedoms

Pension freedom: Steve Webb answers your questions on the big shake-up

The new freedoms arrive in April but many of you have told us that you see problems as well as opportunities. The pensions minister Steve Webb responds
Pension Minister Steve Webb

There are 'dark corners' of the investment and pensions industry, says Pensions Minister

The DWP and the FCA have joined forces to investigate transaction charges in occupational pension schemes

Expect a new wave of fishing expeditions by fraudsters now we can invest our life savings

Cold callers and your pension: watch out for dangerous boiler room scams

Sean O'Grady received a cold call last week that was much more sinister than normal. Yes, someone wants to get their hands on his pension...
Money
It's getting harder to sort out a mortgage
Money
Campaigners are looking to Ros Altmann to keep up the fight now she is the pensions minister
comment
Money
Avoid the resort mini-mart and stick to the supermarkets while on holiday in Europe
deals
Money
The cash flows out: High fees aren’t limited to payday lenders
The personal finance stories you might have missed 25 to 29 May
Money

Simon Read looks at warnings for mortgage borrowers; a seven year high for the pound against the euro and Wonga's alarm bells

Money
Complaints about Scottish Power increased by 488 per cent in 2014
The personal finance stories you might have missed 18 to 22 May
Money
The changes at Wonga are not enough to convince Simon Read that Wonga is good for us
Money
Complaints about Scottish Power increased by 488 per cent in 2014
comment
Money
Dine at a discount at Gordon Ramsay's Heddon Street Kitchen
deals
Money
Yorkshire Building Society has agreed a merger with Chelsea Building Society
Round-up of the personal finance stories you may have missed 11 to 15 May
Money
Insurers slammed for misleading consumers; energy suppliers inflating direct debits
Money
Confused? You may well be. Readers say they have been hit with inflated charges after their direct debits were adjusted for underpayments
comment
Money
Sun shines on prices: Ibis is offering cheap deals in Spain
deals
Money
Round-up of the personal finance stories you may have missed 4 to 8 May
Money
Social tenants locked into energy tariff and record low mortgage deals
Money
Diagnosed with bipolar disorder, Paul Norbert now receives the support to 'get away from the memories'
comment
Money
Spend £10 at Caffè Nero and you'll get a £5 credit
deals
Money
Co-op Bank almost went under in 2013 when under previous management
Round-up of the personal finance stories you may have missed 27 April to 1 May
News
There are now more than three million people in “severe problem debt”
Credit card rewards cut, boom in cashback mortgage deals and banks to open on May 4
Money
A man who retired to Perth in 1997 fought a long, fruitless battle for increases in his pension
comment
Financial products from our partners
Property search
On Google+
The Independent
 
The Independent on Google+
i100
i100 on Google+
i Newspaper
 
TheIPaper
The Independent around the web
Have you tried new the Independent Digital Edition apps?
Independent Dating
and  

By clicking 'Search' you
are agreeing to our
Terms of Use.

Property search
iJobs Job Widget
iJobs Money & Business

Recruitment Genius: Digital Optimisation Executive - Marketing

£30000 - £35000 per annum: Recruitment Genius: The UK's fastest growing, multi...

Recruitment Genius: Financial Reporting Manager

£70000 - £90000 per annum: Recruitment Genius: A Financial Reporting Manager i...

Recruitment Genius: Payments Operations Assistant

£23000 - £25000 per annum: Recruitment Genius: They win lots of awards for the...

Recruitment Genius: Telephone Debt Negotiator

£13500 - £20000 per annum: Recruitment Genius: This nationwide enforcement com...

ES Rentals

    Day In a Page

    A
    Independent Travel
    Pompeii, Capri & the Bay of Naples
    Seven Cities of Italy
    Burgundy, the River Rhone & Provence
    Prague, Budapest and Vienna
    Lake Garda
    Minoan Crete and Santorini
    Prices correct as of 15 May 2015
    Sepp Blatter resignation: The beginning of Fifa's long road to reform?

    Does Blatter's departure mean Fifa will automatically clean up its act?

    Don't bet on it, says Tom Peck
    Charles Kennedy: The baby of the House who grew into a Lib Dem giant

    The baby of the House who grew into a Lib Dem giant

    Charles Kennedy was consistently a man of the centre-left, dedicated to social justice, but was also a champion of liberty and an opponent of the nanny-state, says Baroness Williams
    Syria civil war: The harrowing testament of a five-year-old victim of this endless conflict

    The harrowing testament of a five-year-old victim of Syria's endless civil war

    Sahar Qanbar lost her mother and brother as civilians and government soldiers fought side by side after being surrounded by brutal Islamist fighters. Robert Fisk visited her
    The future of songwriting: How streaming is changing everything we know about making music

    The future of songwriting

    How streaming is changing everything we know about making music
    William Shemin and Henry Johnson: Jewish and black soldiers receive World War I Medal of Honor amid claims of discrimination

    Recognition at long last

    Jewish and black soldiers who fought in WWI finally receive medals after claims of discrimination
    Beating obesity: The new pacemaker which helps over-eaters

    Beating obesity

    The new pacemaker which helps over-eaters
    9 best women's festival waterproofs

    Ready for rain: 9 best women's festival waterproofs

    These are the macs to keep your denim dry and your hair frizz-free(ish)
    Cycling World Hour Record: Nervous Sir Bradley Wiggins ready for pain as he prepares to go distance

    Wiggins worried

    Nervous Sir Bradley ready for pain as he prepares to attempt cycling's World Hour Record
    Liverpool close in on Milner signing

    Liverpool close in on Milner signing

    Reds baulk at Christian Benteke £32.5m release clause
    On your feet! Spending at least two hours a day standing reduces the risk of heart attacks, cancer and diabetes, according to new research

    On your feet!

    Spending half the day standing 'reduces risk of heart attacks and cancer'
    With scores of surgeries closing, what hope is there for the David Cameron's promise of 5,000 more GPs and a 24/7 NHS?

    The big NHS question

    Why are there so few new GPs when so many want to study medicine?
    Big knickers are back: Thongs ain't what they used to be

    Thongs ain't what they used to be

    Big knickers are back
    Thurston Moore interview

    Thurston Moore interview

    On living in London, Sonic Youth and musical memoirs
    In full bloom

    In full bloom

    Floral print womenswear
    From leading man to Elephant Man, Bradley Cooper is terrific

    From leading man to Elephant Man

    Bradley Cooper is terrific