Holly Mckay
Holly MackayFounder and CEO
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    • Savings, investments, pensions

    Boring Money is an independent website that helps millions of Brits to make better money choices.

    As seen strutting our stuff in...

    Clear money choices, zero jargon

    Helping you on your journey to financial confidence

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    Plan & Grow

    The last 6 weeks have been hugely volatile and people are second-guessing their approach. Lots of you are nervous and want to know whether it’s time to sell. Some are questioning the behaviour of bonds and shares – and why is gold now acting weirdly? Is it time to shun the US and seek out other regions or sectors?
    We don’t have a crystal ball and this session isn’t about picking the next ‘can’t fail’ stock! (Generally avoiding people who promise this is pretty sensible!) But we will look at diversification, asset classes, what we might expect to see moving forward and also assess how people might respond at different life stages.

    How to Use Your £20,000 ISA Allowance: Complete Guide for 2025/26

    Every UK taxpayer gets a £20,000 ISA allowance each tax year – but it doesn't roll over. Our ISA hub explains exactly how ISAs work, which types suit different goals (Cash ISAs, Stocks & Shares ISAs, Lifetime ISAs, Junior ISAs), and how to choose the best providers for your needs. Whether you're investing for the first time or maximising existing ISAs, you'll learn simple strategies to keep your money tax-free.

    In the News

    Bonds vs Equities: Where Are the Opportunities Now?
    By Boring Money 13 April, 2026
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    Buy the dip? More blip than dip.
    By Holly Mackay 10 April, 2026
    Read More
    What happens to stock markets after a crash? A history of recoveries
    By Boring Money 10 April, 2026
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    Wild March, kittens and chocolate coins
    By Holly Mackay 2 April, 2026
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    What Does the Oil Price Spike Mean for Your Investments?
    By Boring Money 19 Mar, 2026
    Read More
    Do Geopolitics Really Matter for Your Investment Portfolio?
    By Boring Money 6 Feb, 2026
    Read More

    Your Pension Explained: Everything You Need to Know

    For a comfortable retirement living standard, a couple would need an income of £60,600 per year.

    Source: Pensions UK

    The current State Pension age is 66 years old, but it is set to rise to 67 between 2026 and 2028.

    Between 30-40% of private sector employees will not have sufficient income in retirement.

    Source: Boring Money Research

    Workplace Pensions: The what, why and how

    From how auto-enrolment works to whether your arrangement is actually any "good", we break down what you need to know about Workplace Pensions and how to make the most of them. Your future self will thank you!

    Get expert answers to your money questions

    Welcome to Boring Money's expert Q&A section. We collaborate with financial experts to provide clear answers on investments, pensions, and other money topics. Submit your own question for practical guidance from our in-house team or our Contributors.

    Important stuffHolly and the team have worked in the finance industry for many years but we are not regulated to give you personal financial advice. For every story on this website about a good investment, or something which went up by 10% or made someone £200, we could also share a story about a bad investment, something which fell in value or lost someone £200. We aim to provide general information and pointers – and btw we are totally agnostic about which providers you might pick – but if you have complex affairs, want personalised advice or need specific recommendations, please look at advice pages and see if regulated digital or traditional financial advice would be the best solution for your needs. Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.
    InformationHistorically, money invested for more than five years grows more than cash savings. Remember that investments can also fall, so you might not get all of your money back. Tax treatment depends on individual circumstances and may change.
    Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.