Should I save into a How to buy investment property with no money down Isa and would my Help-to-Buy Isa be closed if I do? Workers’ pension deductions triple to 2.

The Devon home that looks like a luxury treehouse! Can I transfer some cash in my existing stocks and shares Isa to open another through a robo-adviser and invest in both at the same time? Will you be a tax winner or loser this year? Buying a house as a long-term investment?

Read this: Buying a house as a long-term investment? Buying your home as a long-term investment is not necessarily the best bet you can make, as many believe, with stocks offering far better returns over the long term according to research from global bank Credit Suisse. By this measure stock markets beat the likes of property, bonds and cash hands down through the years. The quality-adjusted real capital gain measurement used in the report produces return figures with the impact of inflation and variation in housing quality accounted for, and can produce very different results from a flat measure of returns. The ‘Global Investment Yearbook 2018’, was produced by the Credit Suisse Research Institute with authors from the London Business School and aims to provide an in-depth and long-term look at investment returns. In the UK, between 1900 and 2017, investing in the stock market would have netted an annualised return of 5. 5 per cent while house prices saw increases of 1.

8 per cent and ‘bills’ – essentially cash – returned 1 per cent a year. To push home its point, the team reveal that in the US house prices fell by more than 36 per cent in real terms between 2005 and 2012. The stock market returns do include reinvested dividends, but the house price gains do not account for any potential returns from property rental income making it hard to judge how returns from a buy-to-let property could differ. What do you REALLY need to save for retirement?

Including rental income in the calculations would be difficult, the authors say, due to the lack of reliable data stretching back 100 years and the ‘impossible’ task of then matching potential rental income with the properties included in the pricing index. Overall, the report insists residential property would not offer premium returns in the long term. Residential property should not be purchased with an exaggerated expectation of a large risk premium. It is equity assets that provide an expected reward for risk.