Should you invest or save for your children? Best funds, best buys, kids pensions and more

This episode is your complete guide to saving and investing for children. Martin Lewis is joined by an investment specialist to answer everything you've ever wanted to know about putting money aside for under-18s, including whether it's better to save or invest (spoiler: for many children with a long-term horizon, investing may win out), how Junior ISAs and Child Trust Funds work, the best buys currently available, and the key things parents, grandparents and family members need to know before putting money away. They'll also explore investment fund options, whether Premium Bonds are a good choice for children, and even the often-overlooked world of children's pensions. Plus, in this week's Tell Us, Martin hears your stories of the times carefully checking a bill, invoice or statement saved you money. From spotting simple errors to uncovering major overcharges, including one listener who used AI to identify a £1,000 rental discrepancy. Then, Mastermind tackles a question many shoppers have wondered about: what are your legal rights if you buy something and the retailer reduces the price the very next day? Martin explains the rules, the myths, and when you may be able to get money back. And make sure you listen right to the end, as Martin reveals a special tip on an easy way for 13 to 17-year-olds to bag a free £50. If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!). So, if you’ve always wanted to know how many hours a day he spends on his phone, what his go-to karaoke song is, or you have a very complicated question about your finances, email it to [email protected].