Which?

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.
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Listen to our four-part pensions podcast series to learn more about retirement planning & sign up for our free Retirement Planning newsletter
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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.
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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.
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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.
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