Every Budget brings headlines about sweeping tax changes — from cancelling tax-free cash to cutting ISA allowances. But how reliable are these rumours? Before making life-changing financial decisions, it’s worth questioning the source, the bias, and whether you should act on speculation at all.

Pension advice from Positive Advisers in deciding how much to put into your pension is a very personal matter. It will depend on your income now, your disposable monthly income after paying all your bills, your aspirations for retirement and most importantly your age.