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Ownership by retail investors has halved since 2004 but total returns remain higher than bond yields

The move raises fears that interest rates for savers have peaked

Challenger bank has joined the ever-growing list of investing apps, but its shiny product comes with high fees

Investing every month helps to smooth market volatility but can end up being expensive

Portfolio Clinic: After reviewing his own investments, our reader realised his children's sizeable savings have not been returning what he expected

Its one-year bonds pay more than they ever had and even beat two and three-year deals

Rate still lags behind the best-buy three-year account but the bonds support green projects

Popular bonds now offer one of the best rates available on the market

If you hold investments outside Isas and pensions, aim to limit your tax liability and reduce costs

Tax & Â鶹ÊÓƵ Clinic: Every time our reader has renewed their saving certificates, the terms have been less attractive