Investing Unlocked

What separates a successful investor from everyone else – and why do so many of us feel like we're getting it wrong? In the season finale of Investing Unlocked , Georgie Frost and Simon Lambert are joined by financial educator and author of Money Mentor , Anna Brading , to explore the notion of money dysmorphia – the disconnect between your actual financial situation and how you perceive it Together, they examine what's really holding investors back from success – from persistent gender gaps and generational pressures to the impact of recent changes to ISAs and pensions - and why, when it comes to investing, confidence often matters more than knowledge. This season concludes with Georgie and Simon revealing how they would choose to invest an unexpected £1,000. But don't worry, you won't have to wait long. Season 2 is already in the works... 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 - 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 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 , blogs , videos and a monthly podcast - The Pension Confident Podcast . Take control of your retirement today with PensionBee . When investing, your capital is at risk. Follow Anna Brading: Instagram: https://www.instagram.com/mentoramoney/?hl=en-gb LinkedIn: https://www.linkedin.com/in/annajoybrading/ Website: https://www.mentoramoney.com Follow Money & Us: Instagram: https://www.instagram.com/mentoramoney/?hl=en-gb TikTok: https://www.tiktok.com/@moneyanduspod?_r=1&_t=ZN-97TWiGIYThe YouTube: https://youtube.com/@moneyanduspod?si=eezWMsuQ7uY4ipBP Buy Money Mentor: https://amzn.eu/d/03ISOm6z To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost , to watch the video podcast. Instagram : www.instagram.com/investing.unlocked/ TikTok : www.tiktok.com/@investing.unlocked Georgie Frost Instagram: www.instagram.com/georgiefrostmoney/?hl=en TikTok: tiktok.com/@georgiefrostmoney LinkedIn: l inkedin.com/in/georgie-frost-a1b090110

AI is transforming the world – but does that automatically make it a good investment? In this episode of Investing Unlocked Extra , Georgie Frost is joined by Andrew Oxlade , Director at Fidelity Personal Investing , to unpack one of the biggest questions facing investors today. Are AI stocks genuinely worth their eye-watering valuations, or are we seeing echoes of the dot-com bubble? And if you're invested in a pension, ISA or global tracker fund, how much AI exposure do you already have without realising it? Together, they explore whether Nvidia , SpaceX and the Magnificent Seven have become too dominant, how to assess AI valuations, why passive investing may be increasing concentration risk and whether now is the time to rebalance your portfolio. They also discuss active versus passive investing, diversification, FOMO, market psychology and the practical steps investors can take to manage risk while staying invested. Whether you're excited by AI or worried you've become overexposed, this episode will help you understand the opportunities, the risks and what they could mean for your portfolio. 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 - 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 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 , blogs , videos and a monthly podcast - The Pension Confident Podcast . Take control of your retirement today with PensionBee . When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost , to watch more. Instagram : https://www.instagram.com/investing.unlocked/ TikTok : https://www.tiktok.com/@investing.unlocked Georgie Frost: Instagram: www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: l inkedin.com/in/georgie-frost-a1b090110

How do you build a solid ETF portfolio when there are currently over 10,000 Exchange-Traded Funds to choose from? ETFs are often sold as the ultimate low-cost, hassle-free way to invest. But with a market that’s more volatile than ever, knowing how to choose the best ETFs is much harder than it used to be. In this episode of Investing Unlocked , Georgie Frost and Simon Lambert are joined by Steve Palmer , Head of ETF Solutions at Royal London Asset Management , to break down everything you need to know about ETF investing. From their surprising origins following the 1987 Black Monday crash to their rise as the ultimate tool for modern portfolio diversification, Steve explains how ETFs really work, the hidden risks that rarely make the headlines and how to navigate an overwhelming explosion of choice. 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 - 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 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 , blogs , videos and a monthly podcast - The Pension Confident Podcast . Take control of your retirement today with PensionBee . When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost , to watch the video podcast. Instagram : www.instagram.com/investing.unlocked/ TikTok : www.tiktok.com/@investing.unlocked Georgie Frost Instagram: www.instagram.com/georgiefrostmoney/?hl=en TikTok: tiktok.com/@georgiefrostmoney LinkedIn: l inkedin.com/in/georgie-frost-a1b090110

Investment trusts have been around for more than 150 years – but plenty of investors still aren't quite sure what they are, how they work or why they might want one in their portfolio. In this Investing Unlocked Extra, Georgie Frost is joined by Annabel Brodie-Smith from the Association of Investment Companies to get under the bonnet of one of investing’s oldest – and perhaps most misunderstood – structures. How can you buy £1 worth of assets for 90p? Why can investment trusts borrow money to invest? And how have trusts opened the door to everything from infrastructure and private companies to SpaceX and Anthropic? Plus, we look at the battle with activist investors that has shaken up the industry, why ordinary shareholders have more power than they might realise, and what you should look for before investing in a trust yourself. 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 - 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 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 , blogs , videos and a monthly podcast - The Pension Confident Podcast . Take control of your retirement today with PensionBee . When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost , to watch the video podcast. Instagram : https://www.instagram.com/investing.unlocked/ TikTok : https://www.tiktok.com/@investing.unlocked Georgie Frost Instagram: www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: l inkedin.com/in/georgie-frost-a1b090110

Bonds are powerful financial instruments that dictate mortgage rates and can bring down governments in a matter of days. Liz Truss learnt this the hard way in 2022. Yet, most retail investors still don't own them – or even fully understand what they do. In a world obsessed with fast growth, is ignoring the bond market a costly oversight for retail investors? In this episode of Investing Unlocked, Georgie Frost and Simon Lambert sit down with Professor Moorad Choudhry – fixed income expert and former JP Morgan banker – to demystify one of investing's most misunderstood asset classes. They break down exactly what a bond is, how gilt yields secretly affect your mortgage rate, and the key differences between buying bonds directly versus using a fund. Moving past the textbook definitions, this episode confronts the real rates, risks, and returns of the bond market today – and why every investor needs a strategy for them. 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 - 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 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 , blogs , videos and a monthly podcast - The Pension Confident Podcast . Take control of your retirement today with PensionBee . When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost , to watch the video podcast. Instagram : www.instagram.com/investing.unlocked/ TikTok : www.tiktok.com/@investing.unlocked Georgie Frost Instagram: www.instagram.com/georgiefrostmoney/?hl=en TikTok: tiktok.com/@georgiefrostmoney LinkedIn: l inkedin.com/in/georgie-frost-a1b090110

Capital Gains Tax is back in the spotlight, with growing speculation over whether the new Prime Minister could overhaul the system. But what exactly is CGT and what would any changes actually mean for investors? In this episode, Georgie Fros t is joined by Jason Hollands , Managing Director at Evelyn Partners , to unpack how Capital Gains Tax works, why it's taxed differently from income, and what proposed changes could mean for investors, business owners and the wider economy. They discuss whether higher CGT would make the tax system fairer, why inflation matters more than many people realise, how previous tax changes have altered investor behaviour, and why HMRC's own modelling suggests raising rates doesn't necessarily mean raising more money. Plus, practical ways investors can think about managing Capital Gains Tax without making hasty decisions based on political speculation. 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 - 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 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 , blogs , videos and a monthly podcast - The Pension Confident Podcast . Take control of your retirement today with PensionBee . When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost , to watch the video podcast. Instagram : https://www.instagram.com/investing.unlocked/ TikTok : https://www.tiktok.com/@investing.unlocked Georgie Frost Instagram: www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: l inkedin.com/in/georgie-frost-a1b090110

Most people have no idea how much they need in their pension to retire. Almost half of UK adults don't even know how much is in their pension pot. Jobs for life and final salary pensions are a thing of the past – and with the recent shift from defined benefit to defined contribution pensions, retirement has become one of the biggest financial challenges of our time. In this episode of Investing Unlocked , Georgie Frost and Simon Lambert sit down with Maike Currie – investment commentator and VP of Personal Finance at PensionBee – to make sense of the recent policy changes and help you to take control of your pension. They cover what to look for in a modern pension, the golden number for retirement, and how to make sure your pension money is working hard enough – even if you've started late. How much income could your pension generate in retirement? Use PensionBee's Pension Calculator to find out your pension forecast. 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 - 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 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 , blogs , videos and a monthly podcast - The Pension Confident Podcast . Take control of your retirement today with PensionBee . When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost , to watch the video podcast. Instagram : www.instagram.com/investing.unlocked/ TikTok : www.tiktok.com/@investing.unlocked Georgie Frost Instagram: www.instagram.com/georgiefrostmoney/?hl=en TikTok: tiktok.com/@georgiefrostmoney LinkedIn: l inkedin.com/in/georgie-frost-a1b090110

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 - 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 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 , blogs , videos and a monthly podcast - The Pension Confident Podcast . Take control of your retirement today with PensionBee . When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost , to watch the video podcast. Instagram : https://www.instagram.com/investing.unlocked/ TikTok : https://www.tiktok.com/@investing.unlocked Georgie Frost Instagram: www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: l inkedin.com/in/georgie-frost-a1b090110

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 - 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 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 , blogs , videos and a monthly podcast - The Pension Confident Podcast . Take control of your retirement today with PensionBee . When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost , to watch the video podcast. Instagram : https://www.instagram.com/investing.unlocked/ TikTok : https://www.tiktok.com/@investing.unlocked Georgie Frost Instagram: www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: l inkedin.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'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 - 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 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 , blogs , videos and a monthly podcast - The Pension Confident Podcast . Take control of your retirement today with PensionBee . When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost , to watch the video podcast. Instagram : https://www.instagram.com/investing.unlocked/ Georgie Frost Instagram: www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: l inkedin.com/in/georgie-frost-a1b090110 Hermione Taylor LinkedIn: linkedin.com/in/hermione-taylor

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 - 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 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 , blogs , videos and a monthly podcast - The Pension Confident Podcast . Take control of your retirement today with PensionBee . When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost , to watch the video podcast. Instagram : https://www.instagram.com/investing.unlocked/ Georgie Frost Instagram: www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: l inkedin.com/in/georgie-frost-a1b090110 Clive Beagles LinkedIn: https://www.linkedin.com/in/clive-beagles-1742321a6/

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 - 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 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 , blogs , videos and a monthly podcast - The Pension Confident Podcast . Take control of your retirement today with PensionBee . When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost , to watch the video podcast. Instagram : https://www.instagram.com/investing.unlocked/ Georgie Frost Instagram: www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: l inkedin.com/in/georgie-frost-a1b090110 Sarah Coles LinkedIn: linkedin.com/in/sarah-coles-720b2113

What if the greatest financial gift you could give your child isn't a savings account? It’s timing. In this episode of Investing Unlocked , Georgie Frost and Rick Kelsey sit down with Claer Barrett – FT consumer editor, money expert and author of the bestselling What They Don't Teach You About Money – to make the case for investing for kids, and explain exactly how to do it. They cover everything from Junior ISAs and Junior SIPPs to stock market investing for children – and how to make it work even when money is tight. But building wealth is only half the story. This episode also explores how best to tackle difficult money conversations and how to help your children make smart decisions when they finally get access to the pot. Thank you to our sponsor PensionBee - 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 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 , blogs , videos and a monthly podcast - The Pension Confident Podcast . Take control of your retirement today with PensionBee . When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost , to watch the video version Instagram : https://www.instagram.com/investing.unlocked/ Georgie Frost Instagram: www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: l inkedin.com/in/georgie-frost-a1b090110 Rick Kelsey Instagram: https://www.instagram.com/rickkelsey/?hl=en-gb LinkedIn: linkedin.com/in/rickkelsey Claer Barrett Instagram: https://www.instagram.com/claerb/?hl=en LinkedIn: linkedin.com/in/claer-barrett-74088414

UK government borrowing costs have climbed to their highest levels in decades – and suddenly the bond market is back in focus. In this episode of Investing Unlocked Extra , Georgie Frost is joined by author and award-winning investment journalist Cherry Reynard to unpack what’s happening in the gilt market, why investors are getting nervous about Britain’s finances and what it could mean for mortgages, pensions and the wider economy. They discuss: What gilts actually are – and why they matter Why rising yields affect mortgage rates and borrowing costs Whether this is another “Liz Truss moment” The role of inflation, energy prices and political instability Why bond markets care so much about fiscal credibility Whether UK government debt is becoming a problem How gilts show up in pensions and investments Whether bonds are actually attractive again for investors Cherry also explains the famous “bond vigilantes” idea, why markets can intimidate governments, and whether Britain’s finances are more fragile than many people realise. If you’ve heard people talking about gilt yields and wondered why it matters to your own money, this episode breaks it down clearly, calmly and without jargon. Thank you to our sponsor PensionBee - 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 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 , blogs , videos and a monthly podcast - The Pension Confident Podcast . Take control of your retirement today with PensionBee . When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost , to watch the video version Instagram : https://www.instagram.com/investing.unlocked/ Georgie Frost Instagram: https://www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: https://uk.linkedin.com/in/georgie-frost-a1b090110

For generations, we’ve been told that property is the "default" safe bet. But the world is changing fast. Landlord numbers are falling, and interest rates are staying higher for longer. In this episode of Investing Unlocked , Georgie Frost and Simon Lambert sit down with Rob Dix – author, landlord and co-founder of Property Hub – to ask if investing in property is still worth it. And if it is, how do you actually do it well? They interrogate the long-held British belief that "my property is my pension," identifying who property genuinely suits as an asset class – and who should walk away. The conversation also covers what actually makes a "good" investment property in 2026 and exactly what you’ll need to consider before you even think about buying. For anyone who has ever assumed property is "safe as houses”, this episode will make you think again. Thank you to our sponsor PensionBee - 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 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 , blogs , videos and a monthly podcast - The Pension Confident Podcast . Take control of your retirement today with PensionBee . When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost , to watch the video version Instagram : https://www.instagram.com/investing.unlocked/ Georgie Frost Instagram: https://www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: https://uk.linkedin.com/in/georgie-frost-a1b090110 Simon Lambert LinkedIn: https://uk.linkedin.com/in/simon-lambert-26013233 X/Twitter: https://x.com/_simonlambert?lang=en Rob Dix Instagram : https://www.instagram.com/therobdix/ LinkedIn: uk.linkedin.com/in/rob-dix Website : https://propertyhub.net/rob-dix/

If you’ve got a pension, chances are big changes are coming - whether you realise it or not. From a brand new pensions bill to debates over the future of the triple lock, and even changes to salary sacrifice, the UK pensions landscape is shifting fast. In this episode of Investing Unlocked Extra , Georgie Frost speaks with pensions expert and Times columnist Tom McPhail about what’s changing, what it means for your retirement, and what you should actually be paying attention to. They also explore the growing tension between government control and individual choice, why trust in the system matters more than ever, and the simple steps people can take to stay on track. In this episode, we explore: What the new pensions bill actually means for savers Why the government wants “fewer, bigger, better” pension schemes The controversy around the government’s proposed investment powers What the triple lock is - and why its future is under threat How changes to salary sacrifice could affect higher earners Why many people are losing trust in pensions and investing What younger generations are really up against financially The simple steps you can take now to build a stronger retirement plan If you’re unsure what all these changes mean for you - or whether you’re doing enough for retirement - this episode breaks it down in a way that actually makes sense. Thank you to our sponsor PensionBee - 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 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 , blogs , videos and a monthly podcast - The Pension Confident Podcast . Take control of your retirement today with PensionBee . When investing, your capital is at risk. Guest Tom McPhail Pensions Expert & Times Columnist https://www.thetimes.com/profile/tom-mcphail LinkedIn: https://www.linkedin.com/in/tom-mcphail-9260a624/ X (Twitter): @PensionsMonkey Follow & Catch Up With Us Investing Unlocked Instagram: https://www.instagram.com/investing.unlocked/ Georgie Frost Instagram: https://www.instagram.com/georgiefrostmoney LinkedIn: https://uk.linkedin.com/in/georgie-frost-a1b090110

British households are sitting on £430 billion in cash that could be invested. So what's stopping us? The truth is, most people are terrible with money - but it's not for lack of knowledge. It's how we're wired. In this episode of Investing Unlocked , Georgie Frost and Simon Lambert sit down with financial psychotherapist, Vicky Reynal - Times columnist and author of Money on Your Mind - for a rare look at the psychology behind our most common investing mistakes. They get into why intelligent, successful people still make poor money choices, how the beliefs we picked up in childhood shape the way we invest today, and how to rewire those subconscious patterns and take back control of your financial future. Thank you to our sponsor PensionBee - 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 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 , blogs , videos and a monthly podcast - The Pension Confident Podcast . Take control of your retirement today with PensionBee . When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost , to watch the video version Instagram : https://www.instagram.com/investing.unlocked/ Georgie Frost Instagram: https://www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: https://uk.linkedin.com/in/georgie-frost-a1b090110

From global equities to commodities like oil and gold, the US dollar sits at the centre of the financial system. When it moves, it can have a major impact on investment returns, inflation, and global markets. But the dollar’s dominance is increasingly being questioned. In this episode of Investing Unlocked Extra , Georgie Frost speaks with Emma Wall , Chief Investment Strategist at Hargreaves Lansdown, about what’s happening with the dollar, why central banks are diversifying into gold, and what it all means for UK investors. They also discuss the government-backed campaign to get more Brits investing, and the rise of people asking AI tools like ChatGPT for financial advice. In this episode, we explore: • Why the US dollar affects almost every investor • Whether the dollar is losing its global dominance • Why central banks are buying more gold • How currency movements affect your investment returns • The new UK campaign encouraging more people to invest • The risks of using AI for financial advice If you're wondering how currency movements impact your portfolio, this episode breaks down the bigger picture. Thank you to our sponsor PensionBee - 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 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 , blogs , videos and a monthly podcast - The Pension Confident Podcast . Take control of your retirement today with PensionBee . When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost , to watch the video version Instagram : https://www.instagram.com/investing.unlocked/ Georgie Frost Instagram: https://www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: https://uk.linkedin.com/in/georgie-frost-a1b090110

Love it or loathe it, social media is now where millions of us go for investing advice. For a generation priced out of property, it's become something more. Social media, for many, is a genuine route to financial education. But unregulated and ungoverned, the lines between education, entertainment and sales are becoming increasingly blurred ... and we're seeing a rise in misinformation, bad actors and outright scams. So in a sea of content, who can we actually trust? In this episode of Investing Unlocked , Georgie Frost and Rick Kelsey talk to personal finance educator and TikTok's “That Money Guy”, Gabriel Nussbaum – a finfluencer with over a million followers and a mission to make financial education free and transparent. Together, they explore how social media is rewriting the rules of wealth, the darker side of finfluencer culture and the red flags every investor needs to watch for. Thank you to our sponsor PensionBee - 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 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 , blogs , videos and a monthly podcast - The Pension Confident Podcast . Take control of your retirement today with PensionBee . When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost , to watch the video version Instagram : https://www.instagram.com/investing.unlocked/ Georgie Frost Instagram: https://www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: https://uk.linkedin.com/in/georgie-frost-a1b090110

Last month should have been the moment for “safe haven” assets like gold and government bonds to shine. Instead, gold suffered its worst month in over a decade, while UK government bonds saw their biggest fall since the 2022 mini-budget crisis. So what went wrong? In this episode of Investing Unlocked Extra , Georgie Frost speaks to finance journalist Holly Mead about why traditional defensive investments sometimes fail – and what investors should really do when markets turn volatile. They explore: Why gold and bonds dropped during a geopolitical crisis Whether defensive assets still have a place in portfolios How inflation and interest rates change investment behaviour What actually performed well during the market turmoil Whether younger investors should bother with defensive assets at all If you're wondering how to build a resilient investment portfolio in uncertain times, this episode breaks it down in clear, practical terms. Guest: Holly Mead LinkedIn: https://www.linkedin.com/in/holly-mead-411b4a136/ X.com: https://x.com/holly_mead_ TikTok: @hollymead_moneyjourno To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost , to watch the video version Instagram : https://www.instagram.com/investing.unlocked/ Georgie Frost Instagram: https://www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: https://uk.linkedin.com/in/georgie-frost-a1b090110 Thank you to our sponsor PensionBee - 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 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 , blogs , videos and a monthly podcast - The Pension Confident Podcast . Take control of your retirement today with PensionBee . When investing, your capital is at risk.