Many Happy Returns

I’ve helped thousands of people to review their investment portfolios and check whether it’s truly aligned with their goals. Over and over, I see the same concerns, misunderstandings, and blind spots. And in today’s Dumb Question of the Week: How can you keep yourself accountable? --- Thank you to Trading 212 for sponsoring this episode.  Claim free fractional shares worth up to ‎£⁠100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link:  Sponsored Link. Terms apply - trading212.com/join/RAMIN [https://trading212.com/join/RAMIN] When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply. --- Get in touch 📧 mhr@pensioncraft.com [ mhr@pensioncraft.com ] 🎧 many-happy-returns.captivate.fm [https://many-happy-returns.captivate.fm] --- Join PensionCraft 🌐 Become a member at pensioncraft.com [http://www.pensioncraft.com/] ▶️ Subscribe on YouTube [https://t.co/iWOra258bU] --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2023 Many Happy Returns

Brits poured more than £100 billion into ISAs last year — yet two-thirds is just sitting in cash. Are we simply risk-averse or are there structural problems discouraging us from investing? And in today’s Dumb Question of the Week: Does cash have zero volatility? --- Thank you to Lightyear for sponsoring this episode.  Sign up for a new account on Lightyear and get up to $115 worth of a US fractional share of your choice! Claim your reward when you use this link: lightyear.com/pensioncraft [https://lightyear.com/pensioncraft] or enter the code PENSIONCRAFT manually in the Promotions section.  Capital at risk. ISA rules apply. Terms apply: https://lightyear.com/en-gb/signup-promotion-terms [https://lightyear.com/en-gb/signup-promotion-terms]. --- Get in touch 📧 mhr@pensioncraft.com [ mhr@pensioncraft.com ] 🎧 many-happy-returns.captivate.fm [https://many-happy-returns.captivate.fm] --- Join PensionCraft 🌐 Become a member at pensioncraft.com [http://www.pensioncraft.com/] ▶️ Subscribe on YouTube [https://t.co/iWOra258bU] --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2023 Many Happy Returns

Gold is a terrible investment. No earnings, no dividends, and long stretches where you trail stocks and bonds. So why do serious investors still own it? We dig into the myths, the maths, and how an asset with no cash flows can earn its keep in your portfolio. And in today’s Dumb Question of the Week: If I own a gold fund, can I actually get my hands on the bullion? --- Thank you to Lightyear for sponsoring this episode.  Sign up for a new account on Lightyear and get up to $115 worth of a US fractional share of your choice! Claim your reward when you use this link: lightyear.com/pensioncraft [https://lightyear.com/pensioncraft] or enter the code PENSIONCRAFT manually in the Promotions section.  Capital at risk. ISA rules apply. Terms apply: https://lightyear.com/en-gb/signup-promotion-terms [https://lightyear.com/en-gb/signup-promotion-terms]. --- Get in touch 📧 mhr@pensioncraft.com [ mhr@pensioncraft.com ] 🎧 many-happy-returns.captivate.fm [https://many-happy-returns.captivate.fm] --- Join PensionCraft 🌐 Become a member at pensioncraft.com [http://www.pensioncraft.com/] ▶️ Subscribe on YouTube [https://t.co/iWOra258bU] --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2023 Many Happy Returns

Speculation is swirling about what tax changes the chancellor might unveil in the Autumn Budget. But with the announcement still more than two months away, is it worth paying attention to the rumours? We dig into the policy measures making headlines, and ask: what—if anything—should you be doing now? --- Thank you to Lightyear for sponsoring this episode.  Sign up for a new account on Lightyear and get up to $115 worth of a US fractional share of your choice! Claim your reward when you use this link: lightyear.com/pensioncraft [https://lightyear.com/pensioncraft] or enter the code PENSIONCRAFT manually in the Promotions section.  Capital at risk. ISA rules apply. Terms apply: https://lightyear.com/en-gb/signup-promotion-terms [https://lightyear.com/en-gb/signup-promotion-terms]. --- Get in touch 📧 mhr@pensioncraft.com [ mhr@pensioncraft.com ] 🎧 many-happy-returns.captivate.fm [https://many-happy-returns.captivate.fm] --- Join PensionCraft 🌐 Become a member at pensioncraft.com [http://www.pensioncraft.com/] ▶️ Subscribe on YouTube [https://t.co/iWOra258bU] --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2023 Many Happy Returns

Stocks are expensive, bonds are finally interesting, and suddenly the boring part of your portfolio doesn’t look so boring. With serious forecasters whispering that bonds could beat equities over the next decade, is it time to rethink your portfolio? And in today’s Dumb Question of the Week: Will zero interest rates ever return? --- Thank you to Lightyear for sponsoring this episode.  Sign up for a new account on Lightyear and get up to $115 worth of a US fractional share of your choice! Claim your reward when you use this link: lightyear.com/pensioncraft [https://lightyear.com/pensioncraft] or enter the code PENSIONCRAFT manually in the Promotions section. Capital at risk. ISA rules apply. Terms apply: https://lightyear.com/en-gb/signup-promotion-terms [https://lightyear.com/en-gb/signup-promotion-terms]. --- Get in touch 📧 mhr@pensioncraft.com [ mhr@pensioncraft.com ] 🎧 many-happy-returns.captivate.fm [https://many-happy-returns.captivate.fm] --- Join PensionCraft 🌐 Become a member at pensioncraft.com [http://www.pensioncraft.com/] ▶️ Subscribe on YouTube [https://t.co/iWOra258bU] --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2023 Many Happy Returns