Investing Stakes: The AI Stock Nobody Talks About (But Everyone Depends On)

Investing Stakes: The AI Stock Nobody Talks About (But Everyone Depends On)

Every month, Ed and Chris put real money into their own strategies, run them live on Stratiphy and compare results with an expert on hand to explain the damage. If you want to explore Stratiphy or build your own rules-based portfolio, you can use our referral link: 🔗 https://www.stratiphy.io/referrals?code=INVESTINGSTAKES Disclosure: This is a referral link. We may receive a benefit if you sign up using it. This episode: Alphabet is in everyone's portfolio, but is there a smarter way to back the same story? Enter Corning — the 1851 glassmaker quietly building the fibre optics that AI data centres can't run without. Plus, Ed's portfolio flashes its first sell signal, and the gap between the two strategies starts to open up. Picks and shovels, bubble talk, and a lesson in why one day's performance tells you nothing. ⏱️ Chapters 00:00 Intro 00:48 Stratify update: concentration limits and rebalancing 02:42 Why Alphabet is in every portfolio — except Chris T's 03:57 The tech-sceptic case: waiting for the correction 06:01 Is Alphabet diversified enough to survive? 08:15 The fundamental view: valuations, CapEx and the cloud backlog 11:53 Corning: the picks-and-shovels alternative 14:12 Why a monopoly on the infrastructure beats picking winners 16:37 The strategies: scores on the doors 18:01 What's driving the gap — and the risk-adjusted picture 20:16 Ed's first sell signal 22:04 The one-day drop that means nothing 23:26 Final thoughts Capital at risk. This episode was made in partnership with Stratiphy. The Mouthy Money podcast — how we actually think about pensions, ISAs, mortgages, tax and the economy. New episodes every week. 🔔 Subscribe: https://www.youtube.com/@mouthymoneypodcast 📰 Mouthy Money News (short explainers, twice a week): https://www.youtube.com/@MouthyMoneyNews 📲 TikTok: https://www.tiktok.com/@mouthy.money 📸 Instagram: https://www.instagram.com/mouthymoney/ ✍️ Substack: https://mouthymoney.substack.com/ 📩 Get in touch: editors@mouthymoney.co.uk Listen anywhere: Spotify: https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4u Apple: https://podcasts.apple.com/gb/podcast/mouthy-money/id1712308475 Important: This content is for information and discussion only and is not financial advice. Capital is at risk and past performance is not a reliable indicator of future results. Full disclaimer: Produced for general information only. Not investment, legal, tax, mortgage or other financial advice. If in doubt, consult a regulated professional about your own situation. Past performance is no guarantee of future results. Investments can fall as well as rise and you may get back less than you put in. Never invest more than you can afford to lose. More at https://www.fca.org.uk/investsmart. Captions are auto-generated and may not be fully accurate.

How Much Cash Should You Actually Keep?

Somewhere in Britain, someone has £40,000 in a savings account and can't tell you why. It crept up a pound at a time, each one buying a little more peace of mind. And most of it is now going backwards. We're taught that saving is the safe choice. But past a point, cash stops protecting you and starts costing you — and almost nobody can tell you where that point sits. This week, Ed and Chris Tuite work out how much cash you should actually keep. Three things that move your number: how safe your job is, what fallback options you have, and how well you sleep at night. Then the part most people skip — what to do once you hit your number, why you flip your saving ratio, and the £19,000 difference it makes over 20 years. Got a rainy day fund? Tell us your number in the comments. The Mouthy Money podcast — how we actually think about pensions, ISAs, mortgages, tax and the economy. New episodes every week. 🔔 Subscribe: https://www.youtube.com/@mouthymoneypodcast 📰 Mouthy Money News (short explainers, weekly): https://www.youtube.com/@MouthyMoneyNews 📲 TikTok: https://www.tiktok.com/@mouthy.money.news 📸 Instagram: https://www.instagram.com/mouthymoney/ ✍️ Substack: https://mouthymoney.substack.com/ 📩 Get in touch: editors@mouthymoney.co.uk Important: This content is for information and discussion only and is not financial advice. Capital is at risk and past performance is not a reliable indicator of future results. Produced for general information only. Not investment, legal, tax, mortgage or other financial advice. If in doubt, consult a regulated professional about your own situation. Past performance is no guarantee of future results. Investments can fall as well as rise and you may get back less than you put in. Never invest more than you can afford to lose. More at https://www.fca.org.uk/investsmart. Captions are auto-generated and may not be fully accurate.

Five Money Budgeting Hacks to Make Every Pound Work Harder

Most of us treat our monthly budget like a fixed thing: money comes in, bills go out, and whatever's left is what's left. But that's rarely the whole story. In this episode, Edmund and Chris dig into how to sweat every pound in your budget — the five rules they actually use themselves, where they're getting it right, and where they're (cheerfully) getting it wrong. No "skip your morning coffee" clichés. Just honest, practical budgeting from two people who track this stuff to the penny — including the real numbers from Chris's own household and the framework Ed has used for a decade. What we cover: -Why you should always pay yourself first -The 50/20/30 rule — and when to ignore it -How to split bills fairly when you and your partner earn different amounts -Working out your "why" before you worry about the how -Good debt vs bad debt, and how to dig your way out The Mouthy Money podcast — how we actually think about pensions, ISAs, mortgages, tax and the economy. New episodes every week. 🔔 Subscribe on YouTube: https://www.youtube.com/@mouthymoneypodcast 📰 Mouthy Money News (short explainers, twice a week): https://www.youtube.com/@MouthyMoneyNews 📲 TikTok: https://www.tiktok.com/@mouthy.money 📸 Instagram: https://www.instagram.com/mouthymoney/ ✍️ Substack: https://mouthymoney.substack.com/ 📩 Get in touch: editors@mouthymoney.co.uk Important: This content is for information and discussion only and is not financial advice. Capital is at risk and past performance is not a reliable indicator of future results. Full disclaimer: Produced for general information only. Not investment, legal, tax, mortgage or other financial advice. If in doubt, consult a regulated professional about your own situation. Past performance is no guarantee of future results. Investments can fall as well as rise and you may get back less than you put in. Never invest more than you can afford to lose. More at https://www.fca.org.uk/investsmart. Captions are auto-generated and may not be fully accurate.

How Chris secured a lower rate on his mortgage - and what his plan to do next is

Mortgage rates were supposed to be climbing — Middle East tensions, inflation creeping back, every reason for lenders to get nervous. So how has Chris just secured a deal cheaper than the one he's on? In this episode he walks through exactly how he did it: the rate he's reserved, why he hasn't signed yet, the fix-vs-tracker decision we couldn't quite agree on, and how long he's got before the September deadline. If you've got a remortgage coming up, this is the one that could save you money.⚠️ We're not financial advisers and this isn't financial advice. Everything here is illustrative — we're sharing how we think about our own situations. Figures and projections are assumptions, and past performance is no guide to the future. Do your own research or consider speaking to a regulated adviser before making decisions.👍 Like and subscribe for new episodes every week.🎙️ Weekly podcast on Spotify, Apple & Amazon ✍️ In-depth writing at https://mouthymoney.substack.co.uk *MOUTHY MONEY**Our substack* https://mouthymoney.substack.co.uk *Get in touch* ⁠⁠editors@mouthymoney.co.uk ⁠⁠ *DISCLAIMER*_This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate._

£100k Pension Tipping Point: What Happens Now?

Chris has just passed £100,000 in his pensions — the "tipping point" where, in theory, your investment growth starts doing more work than your own contributions. In our last episode we explained what the tipping point is. This time it's personal: Chris has hit it, and the question is what comes next. Ed and Chris talk through the three big questions that follow the milestone. How did Chris get here, and what role did discipline, regular contributing and employer matching play? What should his portfolio look like now — and why is he rebalancing away from a heavy UK "home bias" toward a more global spread? And the one that quietly matters more as your pot grows: charges. Once you're into six figures, even a small percentage fee starts costing real money, and Chris walks through why drifting from a low blended cost to a higher one could cost him a six-figure sum over 25 years. Along the way: Charlie Munger's "first £100k is the hardest" idea, the rule of thumb that a pot can double every decade, why a million pounds in 25 years won't be worth a million in today's money, and when it's worth looking at a fixed-fee platform instead of a percentage-based one. ⚠️ We're not financial advisers and this isn't financial advice. Everything here is illustrative — we're sharing how we think about our own situations. Figures and projections are assumptions, and past performance is no guide to the future. Do your own research or consider speaking to a regulated adviser before making decisions. If you've got your own tipping point in mind — whether you're miles off it or already past it — tell us in the comments. We also collect listener questions to put to experts in the field, so drop yours below. 👍 Like and subscribe for new episodes every week. 🎙️ Weekly podcast on Spotify, Apple & Amazon ✍️ In-depth writing at mouthymoney.substack.com *MOUTHY MONEY* *Our substack* https://mouthymoney.substack.co.uk [http://mouthymoney.substack.co.uk/]  *Get in touch* ⁠⁠editors@mouthymoney.co.uk [editors@mouthymoney.co.uk] ⁠⁠ DISCLAIMER This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠ [http://www.fca.org.uk/investsmart%E2%81%A0]. Please note, video captions are auto-generated and may not be 100% accurate.