Learn from the best

QWhat will happen to my ISA savings when I die? Will they automatically be transferred to my partner or do I need to sort something out now as I have a terminal illness?

It is always best to have an up to date will that spells out your wishes for your assets. ISAs can be inherited and they retain their tax-free status. Surviving partners get a one-off additional ISA allowance that’s equivalent to the value of the deceased partner’s ISAs when they died.

AAll of the world’s best investors invest in companies they know well or are

Investing can be daunting. But you can put your money in the hands of

QI’m thinking of deferring my state pension for one or two years and wondering if it’s worth it. I’m on track to get the full amount but I’m wondering how much I will get if I wait to claim it.

If you defer claiming, you will earn extra state pension at 1% of the weekly pension for every nine weeks of deferment, and you must put off claiming for a minimum of nine weeks to get the extra. This equals just under 5.8% for every 52 weeks you defer.

AQWhen clearing out my parents’ house I found my late dad’s savings book from the 1960s. Is there any way I can find out if this account is still open?

All I can suggest is take it to the provider on the savings book or contact them. It’s also likely you will need evidence that your dad has passed away to get any further information. There’s a website mylostaccount.org.uk which could help you to track lost accounts.

A