The winds of change blowing through the financial world mean more of us feel under pressure to make big money decisions — yet many feel ill-equipped to make the right choices.

Warnings of painful tax rises in October’s Budget have prompted readers to give away inheritances early, sell shares and property and, depending on their age, pay in or withdraw large sums from their pensions. But have we done the right thing? Added to this is the uncertainty of how our investments might perform in a turning interest rate cycle, what size of cash buffer to hold and when the optimum time to remortgage might be.

Decisions, decisions! So, when I saw that HSBC had researched how more than 17,000 people in 12 countries went about making different calls with their cash, I was intrigued to learn more.