The UK Money Podcast

I'm answering listener questions this week! I'm talking ISA's, and how the different types interact when it comes to your annual £20,000 allowance, as well as looking at what happens when you reach your investment time horizon. Do you stay invested or do you pull or your money out? I also talk through foreign exchange risk, the times when this can become relevant and how to avoid it. If you want t...

On this weeks episode of the show I'm discussing a big week in money. We've had the new energy price cap announced alongside Rishi Sunak's Klarna-esque solution. We've also had confirmation that National Insurance is going to go up in April as well as a freeze on the student loan threshold. To top it all off, interest rates went up! All in all, a lot to be concerned about, but I'll explain how I s...

This week I'm interviewing popular Bitcoin personality, Natalie Brunell. A passionate advocate for Bitcoin, she was a senior news correspondent and investigative journalist, including a 2016 Emmy nomination, before turning her career to Bitcoin full time. We talk about what Natalie sees as the future for Bitcoin, and some of her reasons for believing in it so strongly. Regardless of what you think...

Some punk is impersonating me on Instagram! In this weeks episode I explain how the scam is working, and what to watch out for when trying to work out whether something is a scam or not. This is a rapidly increasing issue with financial content, so it's really important! I also expand on part of the discussion with Mark LaMonica in last weeks episode about indexes, and whether the future for index...

On this weeks episode of the show I'm joined by Mark LaMonica from Morningstar, one of the world's biggest providers of investment research, data and analytics. This episode is full investment focus from start to finish. We discuss the market outlook for 2022 in what looks to be a very challenging environment, we discuss cryptocurrency, inflation and the active vs passive debate with a bit of a tw...

A recent study from Royal London has looked at how much you need to save in order to achieve a comfortable retirement. I think this is an important issue to look at, but I also think that the assumptions used in this particular study are pretty rubbish. I explain exactly why and what you should be thinking about when it comes to your retirement, regardless of whether you're 22 or 40. I also talk a...

This week I'm joined by YouTuber Damien Talks Money and we talk through a load of different things, including making a success from YouTube, the state of the global stock markets, staking crypto, bitcoin's energy use and active vs passive investing. Damien's channel has grown incredibly fast through his unique combination of UK tailored finance content, delivered in a way that is equal parts educa...

This week I want to talk about a fundamental aspect of a financial plan that, if you don't already have one, should be your number 1 financial goal for this coming year. I'm talking about an emergency fund! It's a simple concept but it is something that is often overlooked or misunderstood, and in today's episode I explain exactly what it is, the type of account you need and how much you should ha...

This week I'm joined by the wonderful Sarah Tucker aka The Mortgage Mum . Sarah is a mortgage broker who was thrust into the spotlight in the 2019 season of The Voice. In this episode Sarah shares how she spent 16 years auditioning before finally getting her shot at stardom, and how this led her to start her mortgage broking business. We also discuss some tips and tricks to be aware of when it com...

Over the last year, stock market is up, the property market is up and the crypto markets are definitely up. So should you invest after a period of strong growth, or is the risk too high? In today's episode I talk through this issue and give you some strategies to navigate investing when markets are at all-time highs. Get your free copy of Modern Investing Fundamentals at thehedge.io If you'd like...

This week I'm joined by Catherine Morgan, a multi-award winning Financial Coach and Financial Planner who is an expert on money mindset. We discuss how our past experience and childhood influence our behaviours and feelings on money, and how understanding this can be a powerful starting point to improving our relationship with it. If you'd like to check out Catherine's book "It's Not About the Mon...

On this week's episode of the show I'm joined by Peter McCormack, host of the biggest Bitcoin podcast in the world, What Bitcoin Did. Peter and we discuss exactly what Bitcoin actually is, what makes good money and why Bitcoin has "solved the problem of becoming the world's best money". We also talk about where Bitcoin fits within the broader cryptocurrency space and what the future might look lik...

On this weeks episode I'm talking with Peter Komolafe from the Conversation of Money. Peter is active across social media, has a YouTube channel with over 30,000 subscribers as well as a successful podcast. On this episode we talk about the crazy couple of years we've experienced in markets all over the world. We discuss how attractive a higher risk investment approach can be during good times, bu...

In this weeks episode I caught up with Michael Campion, Managing Director of Four Fox Saké and host of the successful podcast, Playing the Inner Game. Michael has had an incredibly interesting career so far and embodies the concept of how having a strong personal brand and following your curiosity and gut feel can open doors. The conversation could have been 3 times as long, and there is a lot of...

Today I finish off the questions about Capital Gains Tax with a great follow up question from listener Danny. I also delve into the comparison between a Defined Benefit/Final Salary pension scheme and how to weigh it up if you are potentially going to be moving to a Defined Contribution or Money Purchase Scheme. This is a common scenario for people changing jobs or those who have been told by thei...

We're changing our name! Over the next week or so, The UK Money Podcast is going to be re-branded as The Hedge. You'll see a different icon in your podcast app and a different name attached, but you'll still be getting useful UK focused financial content on a regular basis. As well as continuing to discuss investing, money, personal finance, pensions, ISA's and everything else financial, I'll also...

Today's episode is a really interesting interview with Amelia Sordell, Founder of personal branding agency Klowt. A personal brand is something that we all have whether we think about it or not, and becoming more conscious about this can be a hugely powerful tool to standing out from the crowd and earning more money. In this conversation we talk about what a personal brand is, some practical steps...

In today's episode I'm answering listener questions! The first question is about when do we pay Capital Gains Tax (CGT)? Is it when we sell an investment or is it when we withdraw the money into our bank account? This is a great question that has particular relevance when talking about cryptocurrency like Bitcoin and Ethereum. Secondly, I talk about pensions and how much you can put in, because on...

In today's show I discuss one of the key dilemmas for those with a bit of spare cash in the bank. Do I pay down my mortgage or do I invest? This is a particularly important issue at the moment because it looks like inflation and interest rates are both likely to be on the rise. I also explain NFT's or Non-Fungible Tokens. This is an area that is growing in popularity all the time, and whilst the c...

Inflation is rising in many parts of the world, including the UK. This is a bit of a worry, particularly because interest rates on bank accounts have pretty much never been lower. In today's episode I talk through the key issues of inflation, and give my thoughts on what you can do about. I also talk a bit about Gold Bullion, historically considered a hedge against inflation, and what my thoughts...

What does your ideal life look like? That's the very first question you need to ask yourself in order to know how to best structure your finances. You need to know what you are trying to achieve with your money, before you can understand whether you're going to be better off putting it into a pension or an ISA or whether you should actually be investing it at all! I also explain practically how to...

Today I'm talking through the situation with Chinese property giant Evergrande and whether it marks the beginning of the next financial crisis. I also explain why you shouldn't lose any sleep over it! As well as that I also discuss dividend investing and why it is a strategy that can work for some, but that it's not without its downsides! Get your free copy of Modern Investing Fundamentals at theh...

Today I'm covering the hot and (not so) sexy topic of National Insurance and the latest increase that has been announced. I also answer listener questions on the financial tips for a new marriage and whether 4 years is long enough to invest for. Get your free copy of Modern Investing Fundamentals at thehedge.io If you'd like a BONUS monthly podcast episode and to support the show, you can do that...

Today I'm expanding on my conversation with Andy Webb from last week, and talking about budgeting. It's not boring! I promise! I also answer a listener question about investment fees, and explain how fees work in the majority of investment funds and investment platforms/apps. Get your free copy of Modern Investing Fundamentals at thehedge.io If you'd like a BONUS monthly podcast episode and to sup...

Am I pumped about today's episode? You bet your ass I am!  My very first guest is Blogger, YouTuber and Podcaster Andy Webb. Andy's blog, Be Clever With Your Cash is an awesome resource for the latest bank account bonuses, discounts and rewards point tips and hacks.  We talk through what Andy does with Be Clever With Your Cash, we discuss some of the quick money wins that could save you over £500...