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With big decisions to be made with your pension pots, preparing for retirement can feel complex, but understanding your options is key to making the most of your money. In this live episode of Which? Money, recorded in front of a live virtual audience, Joanne Padilla from the Which? Money Helpline answers your questions on some of the most important aspects of retirement planning including the pros and cons of annuities vs drawdown. Plus Steves Tait, investment and financial planning director at HUB Financial Solutions and Philip Brown, head of DC, investment and lifetime savings at Pensions UK share their expertise on how much you might need to retire comfortably. We also explore tax-free lump sums, tax planning, and how to track down and combine old pension pots. Read more about retirement planning on our website & sign up for our free weekly Money newsletter Listen to our four-part pensions podcast series to learn more about retirement planning & sign up for our free Retirement Planning newsletter Get in touch with us via email - [email protected] Podcast listeners can get 50% off an annual Which? membership Become a Which? Money member to access 1-to-1 guidance and receive the Money magazine

As we become an increasingly cashless society, could we become less reliant on bank cards altogether? In this episode of Which? Shorts, we explain what Pay by Bank is, and how retailers online and on the high street are rolling this out as a new way for us to pay for goods and services. And while it works out cheaper for the retailer, given it bypasses the usual card processing fees sent to Visa and Mastercard, it's not without concerns. We tell you what you need to know before making an open banking payment. Find out more about Pay by Bank on our website & sign up for our free weekly Money newsletter If you're not already a member, join Which? to instantly listen to member exclusive podcasts and gain access to all of our product reviews - all for 50% off your first year's membership

It’s been 70 years since the then Chancellor of the UK, Harold MacMillan announced the launch of premium bonds. But after seven decades and over £40bn paid out in prizes, are they still a worthwhile element of your savings portfolio? In this episode, Which? Researcher Holly Lanyon explains the history of the savings product, how they’ve changed over the years, and how likely you are to win a prize. Holly shares some stories from Which? members who told us why they love premium bonds so much, and why people treat them differently to other types of savings accounts. Plus, we hear from Andrew Westhead, the retail director at NS&I, the company which runs the premium bond draws, who takes us inside their archive to show how big of a part they’ve played in British culture since the 1950s. Read more about premium bonds on our website & sign up for our free weekly Money newsletter Join us for a live episode of Which? Money on Tuesday 21 April - sign up to secure your space in our virtual audience Get in touch with us via email - [email protected] Podcast listeners can get 50% off an annual Which? membership Become a Which? Money member to access 1-to-1 guidance and receive the Money magazine

What did you do to your old phone when you upgraded to a new model? Too many of us are doing the wrong thing. In this episode of Which? Shorts, we explain why buying a new piece of tech when the model you're upgrading from is still perfectly serviceable is doing more harm than good, especially when you don't dispose of them properly. In a recent survey of Which? members, more than 50% of smartphones and tablets that had been replaced over the previous five years were still in working order. So, how often should you actually upgrade? And what should you do with the devices you no longer need? Find out which laptops we recommend on our website & sign up for our free monthly Tech newsletter If you're not already a member, join Which? to instantly listen to member exclusive podcasts and gain access to all of our product reviews - all for 50% off your first year's membership

Have you received a private parking fine that makes no sense? You might be a victim of an ANPR camera error. In this episode we talk about the Which? investigation that uncovered why Automatic Number Plate Recognition (ANPR) technology seems to be plagued by so many inaccuracies. While the industry boasts a 97% accuracy rate, the remaining 3% results in misreadings every day. We're joined by Which? writer Hannah Downes who discusses everything from double dipping, to criminals cloning number plates to avoid ULEZ fees and parking charges. Read more about the changes on our website & sign up for our free weekly scoop newsletter Become a Which? member for 50% off the usual price

Last week, the price you pay for your gas and electricity went down. That’s despite the ongoing crisis in the Middle East that caused wholesale prices to skyrocket. But what does the future hold for energy prices in the UK? In this episode, Which? Principal researcher and energy expert Sarah Ingrams joins us to explain what happened to the price cap that resulted in those on standard variable tariffs to see a reduction in their energy bills. It wasn’t just those on variable tariffs that saw a fall in the price they pay for gas and electricity this month. Households on fixed tariffs saw their bills fall after government support schemes were adjusted, reducing costs outside of the usual price cap changes. Plus, Tom Goswell, energy supply lead at Cornwall Insight, the company which predicts price cap changes, gets us up to speed on the Middle East crisis in a week which saw a ceasefire announced. Read more about what the Middle East crisis means for you energy bills on our website & sign up for our free weekly Money newsletter Get in touch with us via email - [email protected] Podcast listeners can get 50% off an annual Which? membership Become a Which? Money member to access 1-to-1 guidance and receive the Money magazine

You know what a hearing aid is. But hearing aid glasses could be gamechanging for those who need to hear more clearly. In this episode of Which? Shorts, we explain what hearing glasses are. They’re a relatively new addition to the market, aimed at offering a more stylish alternative to hearing aids to help those with mild to moderate hearing loss hear and see more clearly, with just one product. But just how effective - and cost-effective - are they? Find out which hearing aid providers we recommend on our website & sign up for our free Healthy Living newsletter If you're not already a member, join Which? to instantly listen to member exclusive podcasts and gain access to all of our product reviews - all for 50% off your first year's membership

For many of us, doing admin on our pensions isn’t exactly the most exciting job in the world, but transferring or combining your pots can come with big advantages. So, for those of us who want to do it, why is the process still so painful? In this episode, Which? Money’s Ruby Flanagan joins us to share her research into pension transfers, and reveals the reality faced by Which? members trying to navigate the process and make managing their savings for later life easier. Plus, Lisa Picardo, chief business officer at PensionBee explains why she thinks there should be an industry-standard ten-day timeframe for transfers, rather than relying on decades-old legislation that allows firms to take up to six months. With pension dashboards set to roll out over the next year or so, more people are expected to locate and review their pension pots, likely leading to a rise in transfer requests. Without faster processes and updated regulation, this could create even longer backlogs, highlighting the urgent need for reform. Read more about why pension transfers are taking so long on our website & sign up for our free weekly Money newsletter Get in touch with us via email - [email protected] Podcast listeners can get 50% off an annual Which? membership Become a Which? Money member to access 1-to-1 guidance and receive the Money magazine

Making a will is something we all ought to do, but there are common mistakes you really need to avoid - and they’re all pretty easy. In this episode of Which? Shorts, we've spoken to our members to find out their real-life experiences with writing a will to find out which errors are most common, and explain the consequences of not having a watertight document. Plus, we explain what steps you can take to ensure you will is error-free, whether or not you've made a will already. Read more about writing a will on our website & sign up for our free Money newsletter Create a will with Which? Wills in just four easy steps If you're not already a member, join Which? to instantly listen to member exclusive podcasts and gain access to all of our product reviews - all for 50% off your first year's membership

Back in January we brought you a live podcast with our health experts who answered your questions on how to get healthier as you age. We couldn't answer them all, so we've recorded another episode to cover more of your burning health questions. In this bonus episode of our healthy living podcast, we're joined by our public health nutritionist Shefalee Loth and the founder of CityDietitians Sophie Medlin who share their expertise on supplements, exercise and the menopause. Plus, our experts explain whether or not its ever too late to adapt your lifestyle to make you live longer. Read more of our health news and advice on our website & sign up for our free monthly Healthly Living newsletter If you're not already a member, join Which? to instantly listen to member exclusive podcasts and gain access to all of our product reviews - all for 50% off your first year's membership.

If your estate is large enough when you die, inheritance tax will be due on the money and assets you leave behind for your loved ones, but you can reduce the size of the bill by leaving a slice of your wealth to charity. In this episode, Which? Money deputy editor Sam Richardson explains how nominating a charity to receive a portion of your estate can achieve three things: reduce your inheritance tax bill, help your family retain more of your wealth, and support a good cause with funds it can put to good use. Plus, James Buchan from the Which? legal team tells us why it’s important that you have a will and why it should be kept up to date when a big life event happens. Read more ways to avoid inheritance tax on our website & sign up for our free weekly Money newsletter Get in touch with us via email - [email protected] Podcast listeners can get 50% off an annual Which? membership Become a Which? Money member to access 1-to-1 guidance and receive the Money magazine

From 31 March 2026, a major change is being introduced across councils in England to standardise what is accepted in kerbside bin collections. In this episode, we explain how the Simpler Recycling law is going to change the way you dispose your household recycling waste in England. Read more about the changes on our website & sign up for our free Sustainability newsletter Become a Which? member for 50% off the usual price

More of us than ever are shopping online. But the regulations that are meant to keep us safe aren't working, putting us at risk from buying dangerous and illegal products through major retailers. In this episode of Which? Shorts, we report on the rise of online marketplaces run by well-known retailers and highlight the significant failings that are leading to people being harmed by unsafe products. Read more of our investiagtion on our website & sign up for our free Weekly Scoop newsletter Become a Which? member for 50% off the usual price

Improving the energy efficiency of your home is always top of mind when it's cold outside or you can feel a draft inside. But getting somebody to assess your home's efficiency isn't as thorough as it should be. In this podcast we're joined by our sustainability specialist Karen Lawrence who explains how when trying to compare the options for homeowners seeking energy advice, she was met with inaccurate reports, incompetent assessors and a system in need of improvement. Plus, we explain how to make the most of the Which? home energy planning tool to get an idea of what you can do to improve your own home's efficiency. Get in touch with us via email - [email protected] Podcast listeners can get 50% off an annual Which? membership

With so much uncertainty in the global markets, where's the best place for you to invest? In this week's episode we reveal the providers who are doing more than most to satisfy their customers, and the stocks and shares Isas that offer good value for money. Read more about best rated investment platforms on our website & sign up for our free weekly Money newsletter Get in touch with us via email - [email protected] Podcast listeners can get 50% off an annual Which? membership Become a Which? Money member to access 1-to-1 guidance and receive the Money magazine