This bonus season, will the UK’s top earners invest their payouts tax-efficiently into pensions and Isas, or use them to pay down debts? In this episode, Money Clinic host Claer Barrett and FT communities editor Lucy Warwick-Ching discuss key findings from nearly 3,000 responses to the FT’s annual anonymous bonus survey. They are joined by Nimesh Shah, the tax expert and CEO of advisory firm Blick Rothenberg, and financial planner Adam Walkom, partner at Permanent Wealth Partners and author of Plan For Happy. Even if you’re not lucky enough to receive a bonus this year, learning what other FT readers plan to do with theirs provides some valuable – if enviable – financial insights.

Read Claer and Lucy’s full breakdown of this year’s FT readers’ bonus survey, Pay out or doughnut? FT readers’ bonus secrets

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at

Follow Claer on social media @Claerb and contact the Money Clinic team via

Want more?

Check out Claer’s column, A dating app with credit scores: what’s not to love?

Listen to more episodes on bonuses and tax, such as Should I save, spend or invest my bonus?, When is a tax cut not a tax cut? The Autumn Statement digested, and more.

Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

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