Should I save into a Lifetime Isa and would my Help-to-Buy Isa be safe place to invest money in 2016 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? How to invest for the best returns in retirement: Reckless risk-taking or playing too safe can run your pot dry By Tanya Jefferies for Thisismoney. Many retirees are at risk of bungling their pension finances by falling into one of two easily avoidable traps, according to new research. A ‘risk-averse retiree’ who believes they are playing it safe by moving pension funds into cash accounts and a ‘reckless retiree’ who chases high returns are both at risk of running out of money in old age, says the study. 100,000 pension pot in either of these ways, then explains how a ‘rational retiree’ with well-diversified investments has a much better chance of enjoying a comfortable retirement.

Where is a risk-averse saver going wrong? People using pension freedoms are switching retirement savings into current accounts and letting them get gobbled up by low interest rates and inflation, previous surveys have shown. Pension freedoms launched in spring 2015 have given over-55s far greater control over how they spend, save and invest their retirement pot. But more cautious retirees have simply moved funds into ordinary accounts with no clear purpose.