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I bestow upon you, messenger of dawn … Prophesies your power, love and inspiration. Preserving my generous bequest, you will live long and worthily.’

Anna Akhmatova, Poet

The news that the birth rate in England and Wales has fallen to 1.49 births per woman means that Britain, along with most other non-African countries, is well below the 2.1 ratio necessary to maintain a stable population. Well, the natural world might breathe a sigh of relief at the prospect of fewer humans, but it means our societies changing radically as migration compensates for falling numbers of young people, and there's an increasing cohort of old people with fewer direct descendants.

In the United States, nearly 40% of total non-pension wealth is held by households whose heads are 65 or older. This concentration of disposable assets will apply across most of the developed world; but as those retirees have fewer and fewer children and grandchildren, on whom should they bestow their assets? We therefore need to develop a new approach designed for inter-generational rebalancing.

As we know, Government finds this a challenge, because its political horizon is so short. It would rather draw in as much of this wealth as possible in the form of inheritance tax in order to apply it to current spending, including the interest on its bloated level of public debt (that interest now accounts for over 10% of public expenditure in the UK).

The case for hypothecating inheritance levies remains strong, but do we also need to call for wealthy old folk to consider a new approach to their bequests, so that large numbers of unrelated young people can be empowered to achieve their potential in adult life?

Please READ ON ..


We've published over 330 of these weekly commentaries covering a wide range of issues, and you can find links here to the full list over the past six years.





Chaos in the House of Commons takes the front seat in The Bigger Picture, while This Is Money looks ahead to the Budget next week. Rolls-Royce and Nvidia are the focuses for The Financial Outlook and one of our Motley Fool choices, while the other shares a theme with The Hypnotist: learning from failure and near misses. Plus there are, of course, our regular reviews of the latest gadgets and movies — and please note that for quick links to Gadgets & Gizmos podcasts via Spotify, Apple, Amazon and Stitcher, just click here:





Please scroll down this home page for links to these programmes. Also, for those who prefer listening on Apple, Spotify or Amazon, try searching for our podcasts under ‘Hrkn’ — a quick way to find us! 

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If we are to establish a more equitable society — supporting the individual human achievement so vital for democratic capitalism, but at the same time based on egalitarian principles — it is also vital to provide the necessary academic rigour to support its propositions.

King’s College, Cambridge, in partnership with the University's Faculty of Economics, has established the SHARE research project (Supporting Human Achievement through Research based on Egalitarian Principles) with a four-year post-doctoral research fellowship. Areas of research include inter-generational wealth transfer; human capital (improving inequality and productivity through education and training); disintermediation; and mass ownership.

Share Alliance is being established as a registered charity to support and provide oversight for the research project.

On Friday 14th April '23 its first half-day conference took place, concentrating on two leading propositions: inter-generational rebalancing and 'Stock for Data'. It was also an opportunity to hear about underlying principles and its planning for the future, and there was a panel session for general discussion.

Video recordings of all five sessions are available via the Share Alliance website. Presentation slides are also available here


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In partnership with publishers Harriman House, Share Radio has produced the audiobook 'Superinvestors', written by Matthew Partridge and read by some of Share Radio's best known presenters: Simon Rose, Fenella Fudge, Glen Thompsett, Ed Bowsher and accomplished actor David Ricardo Pearce, whose ancestor is featured in the book.

Order your audiobook download of Superinvestors 

Welcome to Gavin Oldham's full presentation describing his vision for egalitarian capitalism.

The main set of proposals are as follows:

Egalitarian Capitalism is an alternative to socialism which, while fostering and encouraging enterprise for all, acts to involve and empower people right across society and especially the young. 

Six key steps of egalitarian capitalism

  1. A proper programme of financial education to help people from all walks of life to build a personal store of freely disposable assets.
  2. Setting the conditions for disinter-mediation, in particular reducing the extent of parasitic inter-mediation which separates people from a sense of ownership and control.
  3. Direct share ownership: drawing together employee, consumer and share-owner, providing much improved corporate governance so that individual share-owners can participate fully in the companies in which they have chosen to invest.
  4. Calls for risk to be properly recognised when setting taxation on reward. This means encouraging innovation and continuing to recognise the risks taken by self-employed people.
  5. Addresses inter-generational equity, introducing a programme of incentivised financial learning for the disadvantaged young, fuelled from inheritance tax receipts, to enable them to achieve their full potential in adult life.
  6. Tackles one of the most difficult issues for democratic capitalism: universal benefits. It proposes a new voluntary approach for higher taxpayers to make discretionary payments for using universal, state-run services.
Thought for the Week: New Approach needed for Bequests

The birth rate is falling swiftly, leaving wealthy old folk with their ever greater reserves looking for a home. Meanwhile Professor Eric French and his colleagues ask, 'Why Do Retired Households Draw Down Their Wealth So Slowly?', showing how in the United States 80% of bequests are left to an ever-decreasing number of descendants, and just 2% to charity. It's time for a re-think whose purpose is inter-generational rebalancing. Background music: 'Young And Old Know Love' by Puddle of Infinity

Thought for the Week: What's required for a good start to adult life

Much like Sir Keith Joseph, Michael Gove provides intellectual stimulus for the Conservative Party. 'Breaking the cycle of deprivation' was Keith Joseph's strategy in the mid-70s, but after 32 years of Conservative governments there's little progress to show. Is Michael Gove just talking about housing or can he tackle the wider issue, including unclaimed Child Trust Funds? Background music: 'Waiting' by Andrew Langdon

Thought for the Week: Manifesto for Manifestos (UK)

Universal provision of free health and social care plus the payment of interest on government debt comprise nearly two-thirds of UK public spending. We need fresh polices underpinned by a new set of principles appropriate for the 21st century, and political advisers and pundits would do well to check our Thought for this week when constructing their manifestos for the approaching UK general election. Background music: 'Everything Has a Beginning' by Joel Cummins

This Is Money: Will the Budget cut taxes and get rid of these traps?

With next week's Budget (Wednesday 6th March) tipped to be the Chancellor’s last roll of the dice before a General Election, expectations over tax cuts are growing. But what taxes could Jeremy Hunt choose to cut and why – and is there hope that he will sort out the tax mess that Britain has got stuck in. The higher income child benefit charge creates marginal tax rates above 50%, meanwhile the removal of the personal allowance bakes in a 60% income tax rate between £100,000 and £125,140. Should these tax traps and painfully high stamp duty be removed? Simon Lambert argues that Mr Hunt needs to have a clear out, chuck a load of stuff in the stupid tax box and bin it. Simon, Georgie Frost and Lee Boyce look ahead to what could be in the Budget and what it would mean for you. Also, energy bills are due to fall as the price cap is cut: but how much will this save you? It’s not just tax catching people out, student loans are also proving difficult to shift as interest mounts up due to high inflation. Does the student finance system need a sort out too? And what is Simon’s triple lock for student loans plan? And finally, don’t get spear-phished or tap-jacked, Lee talks us through the new scams you need to know about.

Motley Fool Money: Harvard Business Professor on Failing Well (18/2)

Why would Eli Lilly put on a failure party? Deidre Woollard talked about the art of failing with Amy Edmondson, the Novartis Professor of Leadership and Management at the Harvard Business School, and author of “Right Kind of Wrong”. They discuss: the complex failure at Boeing, what to do after something goes wrong, and the problem with “move fast and break things”. Companies discussed: BA, LLY. Host - Deidre Woollard; Guest - Amy Edmondson

The Bigger Picture: The Speaker & The Commons, The Post Office Scandal & Alexei Navalny

Mike Indian discusses the uproar in the Commons over Gaza amendments which has damaged Speaker Lindsay Hoyle's hitherto high reputation. Party politics has once more trumped meaningful debate in a world where MPs are increasingly seen as being targets. Mike asks if this was a face-saving exercise for the Labour leadership and assesses what it means for the Speaker. He also returns to the Post Office Horizon Scandal and questions whether public-owned bodies providing key services to the state like the Post Office ought to be run as businesses at all. Lastly, he turns to the death of Russian opposition leader Alexei Navalny. With much of the world turning towards authoritarianism, Mike feels we must cherish and strengthen our democracy.

Motley Fool Money: It’s NVIDIA’s world and we’re just living in it! (23/2)

Earnings season rolls on plus some acquisitions made the news this week. Emily Flippen and Andy Cross discuss earnings reports for Nvidia, Etsy, Wayfair, Walmart, Palo Alto Networks, and MercadoLibre, and an acquisition roundup: Capital One is acquiring Discovery Financial and Walmart is acquiring Vizio. Then, 19 minutes in, Bloomberg reporter, Kurt Wagner talks about Twitter and his new book “The Battle for the Bird”. Finally, 34 minutes in, Emily and Andy break down two stocks on their radar: Grab Holdings and HubSpot. Stocks discussed: NVDA, ETSY, W, WMT, PANW, MELI, COF, DFS, GRAB, HUBS. Host - Ron Gross; Guests- Emily Flippen, Andy Cross, Kurt Wagner

The Financial Outlook: Rolls-Royce & Pan African Resources

Neil Shah of Edison Group looks at Rolls-Royce in the wake of results showing record profitability and a massive turnaround in the business. It shows, he feels, the importance of leadership with CEO Tufan Erginbilgic able to explain clearly what is happening within a complex business, driving long-term profitability by focussing on the things that matter. He feels there is much further to go with the stock. He also highlights Pan African Resources with a new note on the Edison website. A South African precious metals miner, it is lowly valued compared to its peers and somewhat overlooked. Despite some political risk, it is going in the right direction.

The Hypnotist: The Gift of a Near Miss

We can all think of near misses which could have been devastating, but instead resulted in a massive sigh of relief; but do we always learn the lessons for the future? The real value of such experiences, the real gift, is to see such experiences as an opportunity not to test fate again in that way. In aviation, near misses are generally analysed carefully with a detailed investigation — Adam Cox uses that metaphor to show how the same logic can be applied in our personal lives.

Gadgets and Gizmos: Amazing Sora video, drying out phones & wooden satellites

Steve Caplin discusses the amazing advances in AI Sora videos. It transpires that rice is NOT the best way of drying out wet phones. With a shortage of guide dogs a robot seeing-eye dog is being developed in Glasgow. Clothing impregnated with nanodiamonds could cool you in summer. Japan believes a satellite made of magnolia could be more environmentally friendly than aluminium. Bumpy solar cells are more efficient. Rice filled with fat and muscle could be a cheap high-protein food. Doctors can operate remotely on the International Space Station. And Israeli scientists can – literally – grow a pair.

Business of Film: Bob Marley One Love, Madame Web, Players & the BAFTAs

James Cameron-Wilson celebrates UK box office up 89% with ‘Bob Marley: One Love’ #1 racking up £6.9m. But James was disappointed, finding the biopic a hagiography, a series of vignettes rather than a gripping story. He much preferred ‘Madame Web’ at #3 with Dakota Johnson in a well-engineered and much more believable and human superhero story than we've been used to of late. Despite other critics, James couldn't recommend it more. Not so ‘Players’, an unoriginal romcom on Netflix about playing the field, which he found exasperating and populated with characters with unlimited money and time. He also mentions the BAFTAs praising host David Tennant.

The Bigger Picture: Milei lecturing the WEF, plummeting EV car sales & the truth about Gen Z

Professor Tim Evans of Middlesex University explains why he so enjoyed new Argentine President Javier Milei lecturing the great and good of the World Economic Forum about libertarian and Austrian economics, attacking corporatism and socialism. He feels Milei could be the most consequential politician economically-speaking for many years. He also looks at falling EV car sales, lamenting the way in which politicians set goals for achieving their hobbyhorses irrespective of scientific progress and consumer demand. And he is fascinated by a meeting between journalist John Humphreys and members of Gen Z, which showed them to be different to the popular perception.

Modern Mindset: Julie Spinks & Jerry Whiteley on Effective Plumbing

Adam Cox is joined by Julie Spinks and Jerry Whiteley from WaterSafe to explore recent research findings indicating that more than half of Brits are not engaging approved plumbers, posing risks to the proper execution of plumbing tasks and the safety of their drinking water. The discussion focuses on guiding individuals in ensuring the selection of reliable plumbers and empowering the public to maintain their plumbing effectively. Julie and Jerry offer advice on preventing expensive callouts and share insights into addressing smaller plumbing tasks at home. https://www.watersafe.org.uk/

Modern Mindset: Paul Saroya on Equity Release

Adam Cox is in conversation with Paul Saroya from Viva Retirement Solutions, delving into the topic of equity release and its nuances. Together, they explore the evolving landscape of equity release, considering its transformations over the years. The discussion extends to alternative solutions that individuals should ponder before making a decision. Paul offers insights on identifying the suitable candidates for equity release and emphasises the importance of thorough research before opting for this financial strategy. https://www.vivaretirementsolutions.co.uk/

The Bigger Picture: The King's Speech for Christmas Day

Unabridged and without comment from Share Radio, here's the King's Christmas message as broadcast on 25th December '23.

The Financial Outlook: The outlook for 2024 and Gregg's

Neil Shah of Edison Group feels that the bond market has now normalised whch could help the equity market, where many companies have stabilised after a tough year, although he points out that the US market looks peaky. He admires the outstanding quarter year results from Gregg's. The business appears to be in the sweet spot where value is important to customers with a healthy balance sheet and a great management team. It pays a yield but there is still plenty of growth left, although the rating clearly anticipates this.

Gadgets & Gizmos: Christmas gift guide 2023

Steve Caplin takes Simon Rose through a cornucopia of techie Christmas gift ideas. Among his favourites are the crowdfunded Linka Lasso bike lock and the Hover X1 self-flying camera. There's an app to help with the office Secret Santa and a distillery to brew your own booze. You can get a magnetic wrapping tripod, a great phone case with a built-in stand, teflon mats for flaky BBQ food, an underseat suitcase for flights, magnetic bookmarks, a folding charger plug and even an electrified Land Rover Defender to use as a shore tender with your superyacht.

The Financial Outlook: The Autumn Statement 2023, unabridged

On Wednesday 22nd November '23 Chancellor of the Exchequer Jeremy Hunt delivered his Autumn Statement to the House of Commons, focused on restoring UK economic growth. This is his full, unabridged speech as delivered, without commentary.

The Financial Outlook for Personal Investors: How to set about Investing

Welcome to a special episode of The Financial Outlook: the investment section of the Managing My Money course. What's the difference between saving and investment? It's all in the risk. We talk about shares, bonds and funds, and which perform best over the long term. The Managing My Money course has 16 sections in total, and is presented by Glen Goodman and Annie Weston. You can enjoy the whole course, produced in association with the Open University via Share Radio's home page. Here's the link to the slides for this episode: https://www.shareradio.co.uk/help-guides/managing-my-money/supporting-slides/mmm-week-5-episode-10-supporting-slides/

Thought for the Week: Don't waste the Child Trust Fund harvest!

“The [Child Trust Fund] scheme has been closed to new entrants for over 12 years. In this time HMRC has been focusing resources on evaluating and improving existing schemes. We will continue to keep the need to evaluate old schemes under review.” So said Andrew Griffith MP, Economic Secretary to HM Treasury in reply to a parliamentary question from John Ashworth MP, Shadow Secretary of State for Work and Pensions. But this is not an 'old scheme' — there is currently over £1.7 billion sitting in mature accounts belonging to over 900,000 mainly low-income young adults throughout the UK who don't know anything about their good fortune! Their Child Trust Fund harvest is seeing too little action at present: but it's not too late to get it sorted, and the current focus from the National Audit Office and Public Accounts Committee will certainly help.
Background music: 'Hopeful Freedom' by Asher Fulero

The Bigger Picture: The Budget March 2023

UK Chancellor Jeremy Hunt sets out his Budget for growth. This is the unabridged recording, direct from the House of Commons on 15th March 2023.

Thought for the Week: Solving the AI Challenge to Wealth, Control and Intelligence

The huge take-up of ChatGPT over recent weeks has brought the challenge of Artificial Intelligence into sharp relief. As the Chief Executive of its creator, OpenAI, said in one of his blogs, 'Artificial Intelligence will bring unimaginable wealth but, unless something changes, most of us will get none of it. We need a radical solution'. Conventional wisdom sees Universal Basic Income as the way through this dilemma, but this will only bring us more state intermediation and human subservience. We can put forward a better solution, by enabling all to share in the wealth that technology brings and to play their part in its future governance.
Background music: 'Digital Solitude' by Silent Partner

The Financial Outlook for Personal Investors: The case for investment trusts

Jonathan Davis, editor of the Investment Trusts Handbook, tells Simon Rose what makes investment trusts special and why investors should consider their merits. He explains the differences to other types of funds, including the premium and discount. He discusses the yields on alternative assets (including renewable energy and even music royalties) and how trusts can continue paying dividends even in bad years. The handbook, from Harriman House, is available in hardbook or free as an ebook (https://tinyurl.com/mt69fc24).

Motley Fool Answers: So Long, and Thanks for All the STOCKS!

It’s the last episode of Answers (but don’t worry, we’re just moving to Motley Fool Money every Tuesday). We’ll reminisce on our biggest lessons learned over the last seven years and answer your questions, some financial, some festive.

   The Financial Outlook for Personal Investors: Why investing in shares needs a much higher profile on TV and Radio
Lord John Lee has become a champion for people investing in the stock market over recent years: he's written three books on investing, he's a patron of ShareSoc, the society for individual shareholders in the United Kingdom, and he's now challenging Government, broadcasters and regulators to encourage a much higher profile for investing in shares on TV and radio. Gavin Oldham meets with John to discuss the background to his initiative and his proposals for change; and they go on to consider how customer share ownership can be expanded, how to encourage more active participation in shareholder voting, and how to improve financial education.
The Talk by The WealthiHer Network: Female high-powered businesses

The Talk by the WealthiHer Network, every month on Share Radio: this month we are here to talk about the secrets of some of UK leading female businesses leaders and their journeys within launching their businesses. Tamara Gillan is joined by Charlotte Bobroff, the executive director at J.P. Morgan who has been incremental with working with female founders from female high-powered businesses. She recently curated an event surrounding female high-powered businesses and she will be discussing her findings. Also, we have the pleasure of Daina Speddings, who is an investor at BGF and will share her perspective on the investment journey.

Share Drama: A Christmas Carol - the beloved classic, retold!

Scrooge has made the deal of his life with Chinese investors and must now quickly return to London on Christmas Eve to close the deal. On the flight back, during a fitful sleep, Scrooge confronts his past and present and learns the future consequences of his miserly life to find the true meaning of Christmas. Proscenium Online Theatre is super excited to be bringing you a whole new season of audio dramas in 2022. Starting off with 'The Girl in the Yellow Dress', a dark romance by South African playwright Craig Higginson, and 'Plunder', an original Hong Kong based thriller by American playwright Alan Olejniczak. In the meantime - sit back, close your eyes and enjoy the Proscenium Online Theatre’s production of 'A Christmas Carol'.


Gavin Oldham Capital Economics UK economy Brexit
Professor Tim Evans of Middlesex University discusses with Simon Rose the ideas behind Egalitarian Capitalism as espoused by Gavin Oldham OBE, amongst other things the founder of Share Radio. He's keen to see a world with inter-generational rebalancing, where everyone has a disintermediated stake in capitalism (for more, see tinyurl.com/mrhzcb27). Tim also asks if Boris Johnson is still a lucky general or are his days numbered?
Investor Conferences: Panel Sesson - Sustainable & Social Investing in a Post-Covid World

Join the Sustain:Social panel session on December '21, considering the outlook for investors in the wake of the COP26 in Glasgow. The panel comprises of - Chair: Rodney Hobson Panel: Gervais Williams (Premier Miton Group); Jamie Broderick (Impact Investing Institute); Mohan Gundu (Sustainable Funds Group); Mike Appleby (Liontrust Sustainable Investment team); Gavin Oldham (The Share Foundation / Share Radio).

The Bigger Picture: Trussell Trust, helping UK food banks rise to the challenge

Food banks are providing a vital role to help people this winter, and the Trussell Trust supports more than 1,200 throughout the United Kingdom. In this special episode of The Bigger Picture, their Chief Executive Emma Revie briefs supporters about their progress, and their plans for the future. If you would like to support the extraordinary work undertaken by this charity, please visit https://trusselltrust.org

The Financial Outlook for Personal Investors: the unabridged Budget speech

If you missed Chancellor Rishi Sunak delivering his speech on 27 October, here's your chance to hear it. Plus, read our commentary on Monday 1 November for Share Radio's perspective, including our assessment of the contrast with the mid-70s, when public borrowing last hit stratospheric levels.

The Bigger Picture: A World of Individual Opportunity - the Vision of Egalitarian Capitalism

Imagine a world in which everyone has a stake in the great tech firms that serve them each day, and where dividends are gradually replacing wages to provide regular income for everyone, as work becomes scarcer as a result of automation? Imagine a world where every young person not only has a small inheritance with which to start their adult life, but also the opportunity to build its value by learning life skills? Simon Rose is taking a well-earned break this week, so we’re taking the opportunity to bring you a talk given Gavin Oldham in August to the leading City of London think-tank Z/Yen.

Click link for slides for presentation

Sharefound: Good News for 16-18 year-olds in Wales!

On 31 August '21 The Share Foundation hosted a virtual event for young people in Wales, to help them find money that the government put away in a Child Trust Fund for when they reached 18. All young people born in the UK from 1st September 2002 should have one of these accounts, but huge numbers don't know anything about them! With Welsh-speaking help from Jac, this audio podcast of the virtual event tells you all about your good fortune, and invites you to register at https://findCTF.sharefound.org so that Sharefound can help link you with your money. Please share! And if you want to join a virtual event yourself, please visit https://www.sharefound.org/ctf-virtual-events and register for your choice of date: they're taking place each fortnight.

 Economist Questions: A ‘Good’ and ‘Efficient’ Workplace: Tricky Balancing Act?
Research into workplace productivity and management practice is often focused on the links between ‘Good’ and ‘Efficient’ practices. ‘Good’ covers employee-friendly policies; for instance, those providing opportunities for better Work Life Balance. In contrast, ‘Efficient’ practice includes the use of KPIs, setting clear performance expectations and tackling underperformance where it is identified. In this episode Peter Urwin and Professor Richard Saundry discuss this, drawing on their own understanding as researchers and experiences as line managers. The operational reality is that managers hold a position between the interests of their organisation and those who work for them – how do they balance the (often competing) need to create both efficient and good workplaces?
VIDEO: Tracking down £1bn of missing Child Trust Fund cash

Every child in the UK born between 1 Sept 2002 and 2 Jan 2011 has a Child Trust Fund (CTF). But one child in six has lost contact with the money. Gavin Oldham, Chairman of The Share Foundation – which runs the Junior ISA & Child Trust Fund schemes for children in care for the Department for Education - is trying to re-connect them. He talks through the CTF, how to track an account down, and what a child can and can’t do with the money.


In a new partnership with publishers Harriman House, Share Radio has produced its first audiobook 'Superinvestors', written by Matthew Partridge and read by some of Share Radio's best known presenters. 'Superinvestors' lays bare the investing secrets of legendary investors - from early 20th-century figures such as Benjamin Graham and John Maynard Keynes, through to more modern names such as Anthony Bolton and Warren Buffett.

The Share Foundation

How you can help young people in care prepare for adult life by supporting The Share Foundation’s ‘Stepladder of Achievement’ programme.


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