Investing has proven to be the best way to beat inflation and grow your wealth over the long-term, but how do you get started? And if you do already invest but feel you’ve lost track of your goals or ended up with a jumble of investments, how can you improve things?
In this second edition of a two-part podcast special on saving and investing, Simon Lambert and Georgie Frost dive into how to be a smarter investor. They bust the jargon and look at why people should invest, how to get started, what investments you can choose and how to find the right ones for you. Simon discusses his experience of investing, what he got right along the way and importantly the things he got wrong. But why should you invest? Well, between 1900 and 2017 owning UK shares would have delivered an average return of 5.5 per cent, beating cash savings at 1 per cent and property at 1.8 per cent, according to the respected Credit Suisse Investment Yearbook. There’s no guarantee that history will be repeated, but companies should always have the ability to put money to productive use and reward investors with rising share prices off the back of their profits, dividend payouts, or interest on bonds.
It might not be on the top of your to-do list when you have a child, but investing and saving for them to build a tidy nest egg for when they reach adulthood is best done sooner rather than later. In the latest This is Money podcast, editor Simon Lambert, assistant editor (and new parent) Lee Boyce alongside host Georgie Frost look at the best ways to save for your children. We discuss investment options, Junior Isas, a pension and other ways, and why 'the hardest step is the first, but it is also the most powerful'. Lee has a target of a £50,000 pot to build up for his new daughter ahead of her 18th birthday in 2036 – and discusses how he plans to achieve this, with a little help from Einstein's eighth wonder of the world, compounding. Elsewhere, we talk about how invest for your own retirement and Fidelity's 'Power of Seven' matrix, as it looks like the pensions dashboard is finally moving ahead.
We talk about the collapse of online estate agent Emoov and the future of the industry with the Bank of England's latest Brexit predictions suggesting property values could fall 30 per cent in the worst case scenario. Finally, we reveal the latest British Gas rip off and whether could we have found the answer to expensive boiler replacements.
What should investors be watching for the rest of 2018? What are investors missing in today’s market? Analysts Jason Moser and Matt Argersinger tackle those questions and share a few stocks on their radar. Plus, best-selling author Malcolm Gladwell...
Smart beta is sold as a way for private investors to follow sophisticated investment strategies at low cost. These include value (looking for cheap shares) and momentum (investing in companies where the share price is rising fast.) Ed Bowsher discusses the pros and cons with David Stevenson of ETFstream, Nicolas Samaran of Invesco, and market strategist Richard Wiggins.
Will markets carry on rising this year? Is Gold the best insurance policy against something going wrong? And how will the ETF industry evolve? Will ESG be the big theme of the year? Ed Bowsher finds out from James Butterfill of ETF Securities, Adam Laird of Lyxor, David Stevenson of ETFstream and John Davies of S&P Dow Jones.
James Butterfill, Adam Laird, David Stevenson, John Davies
In the latest Money Makers podcast Trevor Greetham, responsible for multi-asset investment strategy at Royal London Asset Management, one of the UK’s biggest pension fund and with-profits investment firms, explains what is driving the firm’s current thinking and why he thinks the current bull market in equities could continue for another 1-2 years. Mr Greetham is a 25 year veteran of the investment business, and one of the UK’s higher profile strategists, having previously worked at Fidelity and Merrill Lynch. Topics covered include not just stocks and bonds, but Brexit, inflation, interest rates, annuities and pension drawdown.
Welcome to the This is Money Show on Share Radio, brought to you in partnership with NS&I. It’s the start of a new financial year and with it a number of new tax changes and price hikes. Taking an Easter themed look through what all this means for the pound in your pocket Georgie Frost is joined by Personal Finance Editor Rachel Rickard Straus and Consumer Affairs Editor Lee Boyce. Plus we put the biggest retailers to the test with the annual Easter taste test.
Welcome to the This is Money and Share Radio podcast, brought to you in partnership with NS&I. With world stock markets continuing to surge despite global uncertainty this week we’re asking if the FTSE could really break the 10,000 barrier by the end of the year. Examining the views of some of the world’s biggest investors from Warren Buffett to Neil Woodford Georgie Frost is joined by Editor Simon Lambert and Consumer Affairs Editor Lee Boyce. Also on this weeks show we look at a few backfires for the Government lately as many banks prove reluctant to roll out its Lifetime Isa whilst it continues to steam ahead with record hikes in probate fees despite only 2% support. This is Money is presented by Georgie Frost in partnership with NS&I.
Welcome to the This is Money and Share Radio podcast, brought to you in partnership with NS&I. Are we seeing the end of an era for ultra cheap mortgages? HSBC is withdrawing its record low 0.99% deal which could usher in a new wave of price hikes. It’s not just mortgages undergoing price hikes though. Rail fares are set to rise 2.3% whilst growing commuter dissatisfaction with poor service has prompted Transport Secretary Chris Grayling to devise a new plan for better management. In the end though train times might be the last of our problems as we hear about one financial expert predicting major financial Armageddon just around the corner. Could we be in for the worst crisis yet? And what can people do to prepare? Gold is being tipped as a favourite but certainly not spread betting which is currently undergoing a crackdown. Georgie Frost is joined by Personal Finance Editor Rachel Rickard Straus and Consumer Affairs Editor Lee Boyce to find out more about this potential money meltdown. Also this week we take a look at Money Mail’s annual Wooden Spoon Awards and see which of Britain’s shambolic businesses have made it onto the shortlist.
Welcome to another episode of This is Money, brought to you in partnership with NS&I. This week, Editor Simon Lambert and Consumer Affairs Editor Lee Boyce team up with Georgie Frost to deliver you the best of financial journalism and analysis this week. And who knows where Brexit will take us, but the simple fact is for now Europe still has a profound effect. Most notably Germany this week, as serious instability at Deutsche Bank, the country’s largest bank, and massive job cuts at Commerzbank, it’s second biggest, are sending waves through the banking sector this side of the channel. It’s not all bad news for the Germans though, as their budget supermarket Aldi is eating up more of the market share in Britain, though it seems at the expense of their own profits as well. Sustainable strategy? We’ll have to wait and see.
Also on the show, the World Economic Forum raises its estimation of the British economy, the Help to Buy scheme has run its course, BHS gets a digital resurrection, and the gang give their favourite of their 50 top savings tips.
This is Money is presented by Georgie Frost, in partnership with NS&I.