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Smart ways to keep your money safe

Daily Express

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December 10, 2025

Following the Chancellor's Budget, a financial expert gives her thoughts on how to best plan ahead before Rachel Reeves's long-term changes come into play, and there's still time to do so...

RACHEL Reeves's Budget is now two weeks old, but its impact on households could last for decades, and pensioners and families need to plan carefully. Emma Sterland, chief financial planning officer at Evelyn Partners, has highlighted five key areas where action may be required.

Savings: From April 2027, the amount that can be saved into Cash ISAs will fall to £12,000, but over-65s can still tuck away up to £20,000 a year in this tax-efficient savings vehicle. The Stocks and Shares ISA remains at £20,000 for all.

"The Junior ISA allowance was untouched so that adds another £9,000 for a family to save or invest tax efficiently if they have children under age 18," Sterland said.

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