Why Smart People Make Poor Money Decisions – with Vicky Reynal

Labour's ISA gamble: Will tax changes alter how we invest?

Labour's ISA reforms have been confirmed, bringing the biggest shake-up to ISAs in years.  From April 2027, the Cash ISA allowance will be cut to £12,000, while cash held inside a Stocks and Shares ISA could face a new 22% tax on the interest it earns. So what exactly is changing? Who will be affected? And will these reforms really encourage more people to invest, or simply make ISAs more complicated? In this episode of Investing Unlocked Extra, Georgie Frost is joined by Investors' Chronicle personal finance and funds writer Helen Kirrane to explain the new rules, separate fact from speculation and explore what they could mean for savers, investors and the UK economy. They discuss: * The confirmed Labour ISA reforms and why the government says they're needed * How the new Cash ISA limit will work * Why cash held in a Stocks and Shares ISA could now be taxed * What the changes mean for money market funds * Whether the reforms will encourage investing or create unintended consequences * Why the government wants more of our savings invested in UK businesses * The practical steps ISA holders should consider before the new rules take effect Whether you're a seasoned investor or simply trying to understand what these changes mean for your own savings, this episode explains the new ISA rules in plain English. Please remember: this podcast is for information and educational purposes only and does not constitute financial advice. Capital is at risk. Thank you to our sponsor PensionBee [https://www.pensionbee.com/uk?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes] - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals [https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes]with ease and in a way that suits you. PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator [https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes], blogs [https://www.pensionbee.com/uk/blog?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes], videos [https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA] and a monthly podcast - The Pension Confident Podcast [https://www.pensionbee.com/uk/podcast?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes]. Take control of your retirement today with PensionBee [https://www.pensionbee.com/uk?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes]. When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost [https://www.youtube.com/@InvestingUnlockedUK/], to watch the video podcast.  Instagram: https://www.instagram.com/investing.unlocked/ [https://www.instagram.com/investing.unlocked/]TikTok: https://www.tiktok.com/@investing.unlocked [https://www.instagram.com/investing.unlocked/] Georgie Frost  Instagram: www.instagram.com/georgiefrostmoney/?hl=en [https://www.instagram.com/georgiefrostmoney/?hl=en] LinkedIn: linkedin.com/in/georgie-frost-a1b090110 [https://uk.linkedin.com/in/georgie-frost-a1b090110]

Trading vs Investing: Where Should You Put Your Money? (with Michael Taylor)

Making money through investing takes time. Trading promises to do it fast. At least, that's what social media wants you to believe. So, can you actually make money trading – or is it a near-guaranteed way to lose it all? In this episode of Investing Unlocked, Georgie Frost and Rick Kelsey sit down with professional trader Michael Taylor – better known as Shifting Shares – to explore why most traders lose money, and what separates the ones who don't. Michael shares his honest personal journey into UK small-cap trading, from the costly mistakes he made along the way and how those lessons shaped his approach today. This episode looks past the social media noise to break down the mechanics of the market – from CFDs to spread betting – the discipline needed to manage risk, and what to actually look for before risking your capital. This episode contains a brief reference to suicide. If you or someone you know is struggling, please contact Samaritans on 116 123 (free, 24/7) or visit samaritans.org. Please remember: this podcast is for information and educational purposes only and does not constitute financial advice. Capital is at risk. Thank you to our sponsor PensionBee [https://www.pensionbee.com/uk?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes] - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals [https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes]with ease and in a way that suits you. PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator [https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes], blogs [https://www.pensionbee.com/uk/blog?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes], videos [https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA] and a monthly podcast - The Pension Confident Podcast [https://www.pensionbee.com/uk/podcast?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes]. Take control of your retirement today with PensionBee [https://www.pensionbee.com/uk?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes]. When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost [https://www.youtube.com/@InvestingUnlockedUK/], to watch the video podcast.  Instagram: https://www.instagram.com/investing.unlocked/ [https://www.instagram.com/investing.unlocked/]TikTok: https://www.tiktok.com/@investing.unlocked [https://www.instagram.com/investing.unlocked/] Georgie Frost  Instagram: www.instagram.com/georgiefrostmoney/?hl=en [https://www.instagram.com/georgiefrostmoney/?hl=en] LinkedIn: linkedin.com/in/georgie-frost-a1b090110 [https://uk.linkedin.com/in/georgie-frost-a1b090110] Rick Kelsey Instagram: https://www.instagram.com/rickkelsey/ LinkedIn: https://www.linkedin.com/in/rickkelsey/ Michael Taylor Instagram: https://www.instagram.com/shiftingshares LinkedIn: https://uk.linkedin.com/in/michael-taylor-27bb295b

SpaceX, the World Cup & the Business of Belief

SpaceX's IPO. The World Cup. Two of the biggest events on the planet right now. One involves investors pouring billions into a company promising to reshape the future. The other involves fans paying thousands to watch 22 people kick a ball around a field. But when excitement reaches fever pitch, who actually wins? In this episode of Investing Unlocked Extra, Georgie Frost is joined by Economics Editor at Investors' Chronicle, Hermione Taylor, to explore the economics behind two global phenomena. What exactly are investors buying when they buy into SpaceX? Are they backing a business, or a vision? With AI companies, IPO hopefuls and tech giants all demanding fresh capital, where is all that money coming from? And what can the World Cup teach us about value, price and speculation? Why are fans willing to pay Taylor Swift prices for football? Do host countries really benefit from staging major tournaments? And when you follow the money, who are the real winners? A conversation about hype, scarcity, storytelling and what happens when excitement becomes an asset. Thank you to our sponsor PensionBee [https://www.pensionbee.com/uk?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes] - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals [https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes]with ease and in a way that suits you. PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator [https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes], blogs [https://www.pensionbee.com/uk/blog?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes], videos [https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA] and a monthly podcast - The Pension Confident Podcast [https://www.pensionbee.com/uk/podcast?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes]. Take control of your retirement today with PensionBee [https://www.pensionbee.com/uk?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes]. When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost [https://www.youtube.com/@InvestingUnlockedUK/], to watch the video podcast.  Instagram: https://www.instagram.com/investing.unlocked/ [https://www.instagram.com/investing.unlocked/] Georgie Frost  Instagram: www.instagram.com/georgiefrostmoney/?hl=en [https://www.instagram.com/georgiefrostmoney/?hl=en] LinkedIn: linkedin.com/in/georgie-frost-a1b090110 [https://uk.linkedin.com/in/georgie-frost-a1b090110] Hermione Taylor LinkedIn: linkedin.com/in/hermione-taylor [https://www.linkedin.com/in/sarah-coles-720b2113/]

Is Now the Time to Invest in the UK Stock Market? – with Clive Beagles

The UK stock market has been described as cheap, undervalued and out of favour for years. But according to Clive Beagles, the real story is far more alarming: at the current rate of takeovers, the UK could have no stock market left in ten years. So is it time to back Britain – or is it already too late? In this episode of Investing Unlocked, Georgie Frost and Simon Lambert talk to Clive Beagles – Senior Fund Manager at J O Hambro Capital Management – to make sense of why one of the world's oldest stock markets is sleepwalking towards irrelevance. They get into the "Cool Britannia" era of the 90s versus today, how negative press coverage has become a self-fulfilling prophecy, and what the FTSE 100 and FTSE 250 actually tell you about the UK economy. Clive also explains how unlocking the vast savings held by UK households could be the key to turning things around – and what investors should actually do with UK equities right now. Please remember: this podcast is for information and educational purposes only and does not constitute financial advice. Capital is at risk. Thank you to our sponsor PensionBee [https://www.pensionbee.com/uk?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes] - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals [https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes]with ease and in a way that suits you. PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator [https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes], blogs [https://www.pensionbee.com/uk/blog?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes], videos [https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA] and a monthly podcast - The Pension Confident Podcast [https://www.pensionbee.com/uk/podcast?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes]. Take control of your retirement today with PensionBee [https://www.pensionbee.com/uk?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes]. When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost [https://www.youtube.com/@InvestingUnlockedUK/], to watch the video podcast.  Instagram: https://www.instagram.com/investing.unlocked/ [https://www.instagram.com/investing.unlocked/] Georgie Frost  Instagram: www.instagram.com/georgiefrostmoney/?hl=en [https://www.instagram.com/georgiefrostmoney/?hl=en] LinkedIn: linkedin.com/in/georgie-frost-a1b090110 [https://uk.linkedin.com/in/georgie-frost-a1b090110] Clive Beagles LinkedIn: https://www.linkedin.com/in/clive-beagles-1742321a6/

ISA Shake-Up: What the Latest Changes Mean for Your Money

ISAs are back in the spotlight after the government's decision to cut the Cash ISA allowance for under-65s from next year. But that's only part of the story. In this episode of Investing Unlocked Extra, Georgie Frost is joined by Sarah Coles, Head of Personal Finance at AJ Bell, to separate fact from fiction and explain what the latest ISA changes could mean for savers and investors. They discuss: • Why the government is changing Cash ISAs  • Whether the reforms will actually encourage more investing  • The speculation around taxing cash held within Stocks & Shares ISAs  • What happens to transfers between Cash and Stocks & Shares ISAs under the new rules  • Why flexibility matters when it comes to saving and investing  • Whether higher taxes on savings, dividends and capital gains signal a wider shift in UK wealth taxation Plus, Sarah shares practical tips on choosing the right ISA for your goals and the one group of savers who may want to consider taking action before the new rules come into force. If you're wondering how the ISA landscape is changing — and what it could mean for your financial future — this episode is essential listening. Please remember: this podcast is for information and educational purposes only and does not constitute financial advice. Capital is at risk. Thank you to our sponsor PensionBee [https://www.pensionbee.com/uk?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes] - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals [https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes]with ease and in a way that suits you. PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator [https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes], blogs [https://www.pensionbee.com/uk/blog?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes], videos [https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA] and a monthly podcast - The Pension Confident Podcast [https://www.pensionbee.com/uk/podcast?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes]. Take control of your retirement today with PensionBee [https://www.pensionbee.com/uk?utm_source=partners&utm_medium=podcast&utm_campaign=investing_unlocked_shownotes]. When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost [https://www.youtube.com/@InvestingUnlockedUK/], to watch the video podcast.  Instagram: https://www.instagram.com/investing.unlocked/ [https://www.instagram.com/investing.unlocked/] Georgie Frost  Instagram: www.instagram.com/georgiefrostmoney/?hl=en [https://www.instagram.com/georgiefrostmoney/?hl=en] LinkedIn: linkedin.com/in/georgie-frost-a1b090110 [https://uk.linkedin.com/in/georgie-frost-a1b090110] Sarah Coles LinkedIn: linkedin.com/in/sarah-coles-720b2113 [https://www.linkedin.com/in/sarah-coles-720b2113/]