Joel Kempson

Author: Joel Kempson

Pensions

Best ready-made pension

By Joel Kempson
9 min Read 02 Jul 2026
A ready-made pension can eliminate one of the main concerns you might have about saving for retirement: the hassle. You do not need to make lots of decisions and be...

Loans

The best personal loans

By Joel Kempson
9 min Read 01 Jul 2026
Any loan you take out should be a good match for your spending plans, your credit history and your income level. It is crucial not to overstretch yourself, as managing...

How this site works...

The material on the Money to the Masses website, 80-20 Investor, Damien’s Money MOT, MTTM AI, associated pages, channels, accounts and any other correspondence are for general information only and do not constitute investment, tax, legal or other form of advice.

You should not rely on this information to make (or refrain from making) any decisions. Always obtain independent, professional advice for your own particular situation. Leadenhall Learning (owner of Money to the Masses, 80-20 Investor, Damien’s Money MOT, MTTM AI) and its staff do not accept liability for any loss suffered by readers as a result of any such decisions or their use of any information on this site. See full Terms & Conditions, Privacy Policy and Disclaimer.

Money to the Masses is a journalistic website and aims to provide the best personal finance guides, information, tips and tools, but we do not guarantee the accuracy of these services so be aware that you use the information at your own risk and we can't accept liability if things go wrong.

We aim to give you accurate information at the date of publication, unfortunately price and terms and conditions of products and offers can change, so double check first. Leadenhall Learning, Money to the Masses, 80-20 Investor, Damien's Money MOT, MTTM AI nor its content providers are responsible for any damages or losses arising from any use of this information. Always do your own research to ensure any products or services and right for your specific circumstances as our information focuses on rates not service.

When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Funds invest in shares, bonds, and other financial instruments and are by their nature speculative and can be volatile. You should never invest more than you can safely afford to lose. The value of your investment can go down as well as up so you may get back less than you originally invested.

We do not investigate the solvency of companies mentioned on our website. We are not responsible for the content on websites that we link to.

80-20 Investor tables and graphs are derived from data supplied by Trustnet. All rights Reserved.

If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.

Leadenhall Learning Limited (trading as Money to the Masses) is an appointed representative of Wealthify Limited which is authorised and regulated by the Financial Conduct Authority. Money to the Masses acts as an appointed representative for the purpose of promoting Wealthify products and introducing customers to Wealthify.

Leadenhall Learning Limited (trading as Money to the Masses) is an Introducer Appointed Representative of Creditec Limited who is acting as a credit broker and not a lender and which is Authorised and Regulated by the Financial Conduct Authority (FRN: 972716)
As seen on:
© 2026 Leadenhall Learning
MTTM AI (beta)
⛶ X
I’m MTTM AI (beta), powered by DaMoney. I can help with personal finance questions. I’m an AI tool, not a financial adviser. Answers are for information purposes only and do not constitute financial advice. Always verify responses with your own research and seek professional advice. By using this chat, you agree to our Terms of Use.
Go ahead, ask me a question