Ed Monk
Associate Director
Ed is an Associate Director at Fidelity International where he covers investing, personal finance and retirement for everyday UK investors.
He joined Fidelity in 2016 after an award-winning career in financial journalism, most recently as Investment Editor of the Daily Telegraph.
He hosts the twice weekly Personal Investor show in YouTube where he unpacks the most important financial questions facing investors and retirees.
Latest insights by Ed
Triple Lock: what will the State Pension be in the future?
Are future increases to pensioner payments under threat?
Ed Monk Fidelity International - 29 Sep 2026
Can this solve the State Pension tax dilemma?
Triple Lock will soon push the State Pension above the Personal Allowance
Ed Monk Fidelity International - 28 Sep 2026
7 questions before you take tax-free cash from your pension
Be sure not to make a lasting mistake with your retirement cash
Ed Monk Fidelity International - 25 Sep 2026
Does it always make sense to buy a house?
What to consider before deciding whether to buy or rent
Ed Monk Fidelity International - 23 Sep 2026
Stacey Duguid on mid-life career loss
How to navigate a mid-life career setback and lost income
Ed Monk Fidelity International - 22 Sep 2026
Where next for interest rates?
The outlook for interest rates over the coming months
Ed Monk Fidelity International - 17 Sep 2026
What next year’s rise in the State Pension means for your tax bill
Triple Lock pension increase will have tax implications
Ed Monk Fidelity International - 15 Sep 2026
Should I use my pension to pay off my mortgage?
Weighing up pension withdrawals against mortgage repayments
Ed Monk Fidelity International - 14 Sep 2026
Which 50-somethings must wait longer for their pension?
What the 2028 pension age rise means for accessing your savings
Ed Monk Fidelity International - 11 Sep 2026
Should I swap shares for bonds or cash?
When higher yields make cash and bonds look more attractive
Ed Monk Fidelity International - 10 Sep 2026
Triple lock rise? Tax on your State Pension?
What a 4% rise could mean for pensioners and government finances
Ed Monk Fidelity International - 04 Sep 2026
‘I’ve changed my mind’: Gold, Bitcoin - or both?
What the latest rallies could mean for investors
Ed Monk Fidelity International - 03 Sep 2026
ISA vs SIPP in your 50s
How tax rules can shape your retirement savings choices
Ed Monk Fidelity International - 03 Sep 2026
Where do interest rates go next?
Why variable rate mortgages look cheaper than fixed deals
Ed Monk Fidelity International - 28 Aug 2026
Savings by age: how much should you have by 30, 40, 50 & 60?
How do your savings compare?
Ed Monk Fidelity International - 27 Aug 2026
Why are bond markets under stress?
What unusual bond and currency moves could mean for investors
Ed Monk Fidelity International - 24 Aug 2026
What we can learn from our ISA millionaires
Investment habits that can support long-term ISA goals
Ed Monk Fidelity International - 20 Aug 2026
How - and why - to invest in the FTSE 100
Investment options for the flagship UK stock market index
Ed Monk Fidelity International - 19 Aug 2026
Where to take your money from first in retirement
How tax changes could reshape the order of retirement withdrawals
Ed Monk Fidelity International - 17 Aug 2026
My income is from multiple places - can I pay into a pension?
What counts as ‘relevant’ earnings?
Ed Monk Fidelity International - 17 Aug 2026
Why retirees are turning to this radical plan
Why some retirees are rethinking how much wealth to leave behind
Ed Monk Fidelity International - 14 Aug 2026
What to expect from Andy Burnham’s first Budget
The tax and pension changes that could affect you
Ed Monk Fidelity International - 10 Aug 2026
Why investors are turning to the UK
What is driving the UK market’s golden summer?
Ed Monk Fidelity International - 06 Aug 2026
Can this tax trick supercharge your pension?
How pension carry forward could boost retirement savings
Ed Monk Fidelity International - 30 Jul 2026
How rich are UK retirees?
How retirement wealth and income compare across Europe
Ed Monk Fidelity International - 30 Jul 2026
Is this the worst retirement mistake you can make?
When opting out of a pension could cost you later
Ed Monk Fidelity International - 28 Jul 2026
Can you pay into a Junior ISA and an adult ISA in the same year?
Junior ISA allowance explained
Ed Monk Fidelity International - 27 Jul 2026
The hidden risk of passive investing
Why passive fund dominance worries some investors
Ed Monk Fidelity International - 24 Jul 2026
How can you retire before your State Pension starts?
What income do you need to retire early and bridge the State Pension gap?
Ed Monk Fidelity International - 20 Jul 2026
Still waiting for the crash? This is what’s holding markets up
Why markets keep defying bear forecasts and what could change next
Ed Monk Fidelity International - 15 Jul 2026
How much of your salary will you need in retirement?
Discover the retirement income benchmark that could shape your future plans
Ed Monk Fidelity International - 13 Jul 2026
Which global index fund is best for you?
Global ‘trackers’ may appear alike - they are not
Ed Monk Fidelity International - 13 Jul 2026
Can this hack help you gift money tax-free?
How regular income gifts may help reduce your estate’s tax bill
Ed Monk Fidelity International - 09 Jul 2026
My mother’s ISA is in a cash fund - will it be taxed at 22%?
How proposed ISA rules affect cash-like investments
Ed Monk Fidelity International - 09 Jul 2026
Tax on your ISA savings? What you need to know
New ISA rules explained for UK savers and investors
Ed Monk Fidelity International - 07 Jul 2026
What you’re asking us right now
ISA tax changes and AI market risks explained
Ed Monk Fidelity International - 02 Jul 2026
Have we been doing retirement investing wrong?
Rethinking pension risk and long-term retirement growth
Ed Monk Fidelity International - 22 Jun 2026
£45,400 - the secret to a comfy retirement?
How much you may need to save for a comfortable retirement
Ed Monk Fidelity International - 19 Jun 2026
Can you time the market? Here’s what we found trying
Why waiting to invest can cost more than you think
Ed Monk Fidelity International - 18 Jun 2026
Mood shift: this is why stock markets have turned negative again
What’s driving investor caution after the latest market wobble
Ed Monk Fidelity International - 11 Jun 2026
Who needs Power of Attorney - and when?
How Power of Attorney protects your money and loved ones
Ed Monk Fidelity International - 03 Jun 2026
These red flags are signs that you are over-saving
Are you playing it too safe?
Ed Monk Fidelity International - 28 May 2026
What to do when the 60/40 portfolio no longer works
Why balanced portfolios may need a rethink
Ed Monk Fidelity International - 21 May 2026
I want to pass my pension to my wife - how much tax will she pay?
Pensions and tax after age 75
Ed Monk Fidelity International - 18 May 2026
The investment lessons I’m telling my grandchildren
Toms lessons to help the next generation build wealth
Ed Monk Fidelity International - 14 May 2026
Secret to balancing cash and investments in retirement
How cash can help manage retirement investment risk
Ed Monk Fidelity International - 11 May 2026
9 steps to tackle the IHT change coming for your pension
A practical guide to preparing for pension IHT changes
Ed Monk Fidelity International - 07 May 2026
10 years of Premium Bonds vs. shares - which one wins?
How savings and stock market returns compared over the decade
Ed Monk Fidelity International - 01 May 2026
From zero to £100k - the key to investing wealth
Why your first steps will be the hardest
Ed Monk Fidelity International - 28 Apr 2026
Reduced State Pension? Why you might get less
Why your State Pension may be lower than expected
Ed Monk Fidelity International - 28 Apr 2026
The indicators for what happens next to stock markets
What market signals could reveal the next move?
Ed Monk Fidelity International - 24 Apr 2026
I inherited a pension - can it go to my children instead?
What inherited pension rules mean for passing wealth on
Ed Monk Fidelity International - 22 Apr 2026
Retired in 2015 - what’s left now?
How have those retiring under ‘pension freedoms’ done?
Ed Monk Fidelity International - 22 Apr 2026
How - and when - should you take tax-free cash from your pension?
Making sense of pension tax-free cash decisions
Ed Monk Fidelity International - 16 Apr 2026
How to build a £1m pension pot
Becoming a pension ‘millionaire’ is a target for many
Ed Monk Fidelity International - 15 Apr 2026
5 essential checks to make for the new tax year
Simple steps to review allowances, savings and long-term goals
Ed Monk Fidelity International - 13 Apr 2026
Smart investors use these investments for income - here’s how
How investment trusts can help build a resilient income stream
Ed Monk Fidelity International - 08 Apr 2026
Who does the taxman count as a ‘high earner’? 2000 vs now
‘Fiscal drag’ has redefined what counts as a high income
Ed Monk Fidelity International - 08 Apr 2026
11 years of income from £100k - here’s what’s left
What pension freedoms reveal about sustainable retirement withdrawals
Ed Monk Fidelity International - 06 Apr 2026
Who counts as rich? What frozen tax limits are costing you
How tax threshold freezes could be shrinking your take-home pay
Ed Monk Fidelity International - 30 Mar 2026
Interest rates turned upside down - here’s what happens next
What higher rates in 2026 could mean for mortgages and savings
Ed Monk Fidelity International - 26 Mar 2026
These are the money lessons to teach your children
How to build smart saving and spending habits from an early age
Ed Monk Fidelity International - 25 Mar 2026
5 reasons to worry less about your pension as markets fall
Panicking in the face of volatile markets seldom pays off
Ed Monk Fidelity International - 19 Mar 2026
If I made my first investment today - here’s what I’d do
Simple, practical steps to begin your first investment in 2026
Ed Monk Fidelity International - 16 Mar 2026
Market turbulence: why savvy investors won’t be panicking
How to navigate uncertainty in stock markets
Ed Monk Fidelity International - 12 Mar 2026
What to do 10 years, 5 years and 2 years from retirement
Retirement planning timeline: key steps before you stop work
Ed Monk Fidelity International - 05 Mar 2026
What investments we’re buying in our ISAs in 2026
Jemma Slingo & Ed Monk share what they are choosing and why
Ed Monk Fidelity International - 05 Mar 2026
4 charts every investor needs when markets fall
What you need to know when volatility strikes
Ed Monk Fidelity International - 03 Mar 2026
Invest as a lump-sum or in stages? What the numbers say
Does investing sooner beat smoothing entry points?
Ed Monk Fidelity International - 02 Mar 2026
Should parents pay uni costs or let their children borrow?
Student loans vs parental funding: what’s smarter?
Ed Monk Fidelity International - 26 Feb 2026
The ‘set-and-forget’ funds I’m buying for the next decade
Funds to consider for long-term, set-and-hold investing
Ed Monk Fidelity International - 23 Feb 2026
Here’s how I’m investing in my ISA for 2026
The funds I’m choosing for my tax-free investing
Ed Monk Fidelity International - 23 Feb 2026
Premium Bonds: who should buy them - and who shouldn’t?
Are prize-linked savings right for your cash?
Ed Monk Fidelity International - 19 Feb 2026
Why don’t UK investors like UK companies?
Why UK investors are avoiding UK stocks: home bias explained
Ed Monk Fidelity International - 16 Feb 2026
Did your cash savings lose value last year?
Cash savings vs inflation: did your money keep up?
Ed Monk Fidelity International - 12 Feb 2026
‘I have a £500k retirement fund - is it enough?’
How far a £500k pension goes and income options explained
Ed Monk Fidelity International - 10 Feb 2026
State Pension - what will it be worth in the future?
Rates, Triple Lock and future value
Ed Monk Fidelity International - 05 Feb 2026
Gold price surge! And should copper be your next buy?
What’s driving the rally in gold, silver and copper prices?
Ed Monk Fidelity International - 29 Jan 2026
Five money mistakes to avoid in your 20s
Financial pitfalls to avoid for a strong start in your 20s
Ed Monk Fidelity International - 21 Jan 2026
Will stocks recover from tariff talk?
How renewed tariff risks could impact markets and investor strategy
Ed Monk Fidelity International - 21 Jan 2026
Alex Wright: It’s a myth that UK shares have a problem
Can the UK market’s momentum last into 2026
Ed Monk Fidelity International - 19 Jan 2026
The best (and worst) years to retire
How timing affects your income
Ed Monk Fidelity International - 16 Jan 2026
Is 2026 a good year to retire?
What markets, pensions and income options could mean for retirees in 2026
Ed Monk Fidelity International - 15 Jan 2026
5 truths of investing from an FT expert
Former head of Lex, Jonathan Guthrie, sat down to pass on his truths of investing
Ed Monk Fidelity International - 13 Jan 2026
Tom’s picks: ‘Where I’m investing this year’
Tom Stevenson talks about the three funds he’s backing and why
Ed Monk Fidelity International - 09 Jan 2026
Your questions on AI, gold and risks for investors in 2026
Expert answers on AI, gold and key investment risks in 2026
Ed Monk Fidelity International - 08 Jan 2026
£250k pension: here’s the retirement income you can expect
How much does it really get you in retirement?
Ed Monk Fidelity International - 05 Jan 2026
Here’s what will move stock markets in 2026
Ed and Tom discuss the year ahead for investors
Ed Monk Fidelity International - 30 Dec 2025
What would the State Pension be worth without the Triple Lock?
What if we had a ‘Double Lock’ instead?
Ed Monk Fidelity International - 19 Dec 2025
Jonathan Guthrie: this is the truth about investing
The Financial Times journalist shares his insights in our latest podcast
Ed Monk Fidelity International - 16 Dec 2025
How much cash should you hold in retirement?
Ed and Jemma discuss the case for cash in retirement
Ed Monk Fidelity International - 01 Dec 2025
Budget tax rises - here’s where they hit the hardest
Our analysis on what the Budget means for you
Ed Monk Fidelity International - 28 Nov 2025
Autumn Budget: how might the government change pensions?
A round up on the latest changes to pensions
Ed Monk Fidelity International - 26 Nov 2025
Does Warren Buffett still matter to investors?
The Sage of Omaha has given his latest written update to investors
Ed Monk Fidelity International - 24 Nov 2025
Is the UK State Pension less generous than other countries?
Comparing the UK State Pension to global standards
Ed Monk Fidelity International - 20 Nov 2025
Peak salary: are you prepared?
Ed and Andrew discuss 'peak pay' at age 47 in our latest podcast
Ed Monk Fidelity International - 13 Nov 2025
Turning point for UK economy? Interest rate cuts edge closer
What does the latest interest rate decision tells us about the UK economy?
Ed Monk Fidelity International - 13 Nov 2025
Gold price surge - is it too late to gain?
What's next for gold?
Ed Monk Fidelity International - 06 Nov 2025
The basics of building a retirement salary from investments
Turning savings into a secure and repeatable income in retirement
Ed Monk Fidelity International - 05 Nov 2025
Value investing - finding the cheapest stock markets
Navigating global stock markets
Ed Monk Fidelity International - 30 Oct 2025
Why this is the most extreme ‘fiscal drag’ in UK income tax
Navigating the rising tide of UK income tax
Ed Monk Fidelity International - 29 Oct 2025
Taking pension tax-free cash? Don’t make these mistakes
What are the good - and bad - reasons to take tax-free cash?
Ed Monk Fidelity International - 23 Oct 2025
Budget or not, income tax is rising - but you can act
‘Fiscal drag’ will continue for years to come
Ed Monk Fidelity International - 23 Oct 2025
How might the government change Cash ISAs?
Will the allowance for cash savings within ISAs be reduced?
Ed Monk Fidelity International - 15 Oct 2025
6 ways to fix your finances for the 100-year life
Increased longevity is to be celebrated - but it creates challenges
Ed Monk Fidelity International - 13 Oct 2025
AI bubble? Tax rises? Six answers investors need now
We’re answering your questions
Ed Monk Fidelity International - 09 Oct 2025
3 admin hacks to cut tax when you die
Save your loved ones time and hassle
Ed Monk Fidelity International - 06 Oct 2025
Inheritance tax: what people get wrong about the 7-year rule
Do you really understand the 7-year rule for IHT?
Ed Monk Fidelity International - 02 Oct 2025
How much should you have saved by 40?
Savings targets based on salary and the average for your age group
Ed Monk Fidelity International - 01 Oct 2025
Should you buy Premium Bonds now?
The prizes offered by Premium Bonds have been cut again
Ed Monk Fidelity International - 19 May 2025
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