If you've invested money in a private pension or in an investment fund, you'll be paying some sort of regular fee and charges. And, depending on the type of investment fund, those charges could be quite high. If you've taken advice from a professional financial adviser, you'll also have to pay for his or her time. But what's a fair charge and when do the charges become a rip off? Sarah Pennells speaks to Tom Wilcox-Jones, from independent financial advisers Blackstone Moregate, Gina Miller, founder of True and Fair Campaign, from SCM Private and founder of MoneyShe.com and Claire Walsh, Head of Advice at IFA Promotions, to find out more.
As a nation, we have something of a love affair with property, but investing in property doesn’t necessarily have to involve buying a house or flat. In fact, it doesn’t have to mean you put your money into houses at all – you could invest in office blocks or shopping centres through investment funds. Sarah Pennells and her guests, Mark Weedon, Head of Institutional Development at Property Partner, and Guy Glover, Manager of the F&C Property Fund, discuss what to think about when it comes to investing in property and how to do this using funds and crowdfunding.
Sarah Pennells analyses the the dos and dont's when it comes to investing for the first time. This week's Young Money Champion, James Connington, starts off by discussing how he started investing and whether he encountered any surprises or disadvantages. Michelle McGrade, from TD Direct Investing, focuses on the ethics behind it; Tom Stevenson, from Fidelity Worldwide Investing, emphasises the importance of investing, while Simon Webster, from Facts and Figures, explains what the term ‘investing in ISAs’ means.
James Connington, Michelle McGrade, Tom Stevenson, Simon Webster
Ever thought of turning your hobby into your dream job? From baking to arts and crafts, Sarah Pennells looks at what financial aspects one should consider when thinking of setting up a business. Kerry Ann Duffy, a photographer specialising in weddings and portraits, Bethany Armitage, from Make it Betty, and Helen Reed, founder of The Wool Kitchen, share their stories on how they set up their businesses. The guests explain what financial support they received and how they made their way into their dream career.
If you're self-employed and need to set up a pension, where do you start? Sarah Pennells looks at a recent report published by Royal London with former Pensions Minister Steve Webb, currently Director of Policy at pensions and life insurance provider Royal London. Paul Allington founder and head of The Code Guy, gives his own account of setting up his pension, while Claire Walsh, Chartered Financial Planner and Head of Advice at Unbiased, gives advice on how to set up a pension plan. Sarah discusses whether the new Lifetime ISA can also help people set their pension.
Ever been affected by a pension scam? Alan Higham, from Pensions Champ, Michelle Cracknell from the Pensions Advice Service and Rachael Badger, from the Citizens Advice Bureau talk to Sarah Pennells about cold calls and how to protect yourself from them.
After new changes were announced in the new financial year, Sarah Pennells and her guests will be looking at the new lifetime ISAs and how savings are being taxed. Anna Bowes, from Savings Champion, Trystan Lewis, from Griffin Wealth, and Anna Sofat, from Addidi Wealth shed light onto this issue that will affect thousands of women living in the UK.
Sarah Pennells is joined by Claire Finn, Head of Pensions at BlackRock, and Louise Oliver of Piercefield Oliver, to talk about women investing for their future pensions. In this week's programme, dedicated to finance from a female perspective, Sarah and her guests look at how to prepare for your pension and what to look out for when investing.
Sarah Pennells is joined in the studio by Share Radio founder, Gavin Oldham, as well as our Young Money Champion, Amelia Murray from the Telegraph Personal Finance Team, and over the phone with Anna Sofat of Addidi Wealth, to talk about lost child trust funds. Together they look at lost or unclaimed child trust funds, after a recent research showed that nearly 900,000 people were said to be at risk of losing their savings.
Your Money, Your Future with Sarah Pennells, talking to Rodney Hobson, author of Shares Made Simple, Michelle McGrade, Chief Investment Officer at TD Direct, and Helal Miah, Investment Research Analyst at The Share Centre, about company figures, what they mean and how they can help your investment prospects.