It’s fair to say historically low interest rates haven’t made it easy for savers over the past few years – so what are your options?

We’ve all done it at some stage. There’s a financial decision to make – perhaps an insurance renewal or option to switch to a cheaper utility provider – and we don’t take the opportunity, because it would involve more work and the benefits don’t feel tangible.

After a positive couple of years for markets, the opening to 2018 proved to be a period of highs and lows. We saw stock markets in the UK and US post record highs; but at other times, the worst volatility in seven years . Although markets settled over spring, the spectre of global trade wars escalating means there is still uncertainty.