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Genre: Pensions & Retirement / Topic: Planning for Retirement
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Georgie Frost

This Is Money: How low will interest rates go — and what does it mean for you?

Georgie Frost
Original Broadcast:

This is Money

This Is Money: How low will interest rates go — and what does it mean for you?
With the Bank of England citing Donal Trump's trade war as the key driver for lower interest rates, will the UK-US trade deal stall the fall? Georgie Frost, Simon Lambert and Helen Crane discuss this and — will the new IHT levy on pensions lead to retirees spending more on holidays? Also, as companies require more of their staff to return to the office, is 'Working From Home' over?
Guest:

Helen Crane


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Georgie Frost

This Is Money: Why is the bond market so powerful?

Georgie Frost
Original Broadcast:

This is Money

This Is Money: Why is the bond market so powerful?
When it comes to investing, it's stock markets that regularly hog the headlines but it's government bond markets that really matter. Share prices taking a prolonged tumble is one thing but if bonds take a hammering, the financial world starts to really the notice. A textbook example occurred a few weeks ago when in the aftermath of Donald Trump's introduction of US tariffs, stock markets took a dive and the President refused to budge. But when bond market ructions started to get investors and even central bankers worried, Trump appeared to take heed and introduced his 90-day pause. Georgie Frost, Tanya Jefferies and Simon Lambert discuss government bonds, the basics of how they work, why they matter and what impact they have on ordinary investors and our finances. Plus, the state pension top-up mess that refuses to go away, how to find the best SIPP to invest for retirement, and is a care annuity the answer to our care costs problems or just a treatment for the symptoms? And finally, there's been a mass stampede to Cash ISAs: what's going on — and is the tax-free saving allowance still likely to get chopped?
Guest:

Tanya Jefferies


Published:
Georgie Frost

This Is Money: Banks want to lend you a bigger mortgage — but is that a good idea?

Georgie Frost
Original Broadcast:

This is Money

This Is Money: Banks want to lend you a bigger mortgage — but is that a good idea?
Major banks are tweaking their rules to allow borrowers to get bigger mortgages, while a new upstart lender is offering seven times salary home loans. Is this a welcome easing of the too tight rules to suit people’s needs or the start of a recipe for financial disaster? Georgie Frost, Lee Boyce and Simon Lambert dive into the world of mortgages and look at whether lenders are coming up with a solution or creating more problems. Is this a repeat of the heady days before the financial crisis, have stress tests helped borrowers avoid the stress of rising rates, and would you even want a seven times income mortgage? Plus, is the Bank of England about to aggressively cut interest rates in the wake of Donald Trump’s tariff chaos. Also, why our retirement expert Sir Steve Webb is loving his new solar panels and how to work out what kind of investor you are and how much risk you should take. And finally, a definitive list of the 50 best British cars of all time has been released, but do you agree with it?

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Georgie Frost

This Is Money: How worried should investors be about the Trump slump?

Georgie Frost
Original Broadcast:

This is Money

This Is Money: How worried should investors be about the Trump slump?
Investors this week have been hit by the 'Trump Slump.' Why is the US President rattling markets, and is it the end of the US bull market? Georgie Frost, Simon Lambert and Lee Boyce discuss what you should be doing to make your investments great again. How will the UK handle potential tariffs, should investors be in panic mode and what do experts say you should be doing to navigate the geopolitical turmoil? Pension freedom rules came into play ten years ago — these allowed retirees to take control of their pension savings, shifting away from the obligation to buy an annuity and moving towards flexible drawdown and investment options. So a decade on, how have the class of 2015 fared? Nationwide is handing out more money — £600 million of it — to 12 million eligible members as a 'big thank you' following its acquisition of Virgin Money last year. That’s £50 each. And it’s separate to its Fairer Share Scheme, which will be announced in May. And lastly, what can you do if a neighbour cuts back hedges and trees which have given you privacy for decades?

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Georgie Frost

This Is Money: Pension gurus on top-ups and sums behind a comfortable retirement

Georgie Frost
Original Broadcast:

This is Money

This Is Money: Pension gurus on top-ups and sums behind a comfortable retirement
People with gaps in their state pension records have just one more month to take advantage of a special offer to buy missing years going as far back as 2006. As long as you get your payment or a callback request in by 5 April you can still benefit from the deal, but after that you will only be able to fill gaps from the past six years. And many are facing a backlog with payments in limbo — so what's going on? Pension gurus Sir Steve Webb and Tanya Jefferies join Lee Boyce and Georgie Frost to talk all things retirement. How can people save sufficiently to provide an income in retirement which they cannot even earn in salary? Steve replies to this tricky question. The state pension is going up in a month, with the headline rate at 4.1% thanks to the triple lock. But Tanya reveals that elements of it are only going up 1.7% ... and does Sir Steve think the triple lock will survive? We're on the precipice of Billmageddon with council tax, water bills, train fares, car tax, telecoms and even stamp duty rising — can you dodge the worst of the rises? And Lee has five top tips for bidding at online auctions to pick up genuine bargains … but just remember the fees, no tweed required.
Guests:

Sir Steve Webb, Tanya Jefferies


Published:
Adam Cox

Modern Mindset: Walfinch and the Home Care Revolution

Adam Cox
Original Broadcast:

Modern Mindset

Modern Mindset: Walfinch and the Home Care Revolution
Adam Cox is joined by Amrit Dhaliwal, the CEO of CEO of Walfinch and author of Time to Thrive: The Home Care Revolution. He argues that the sector isn’t just in need of reform — it’s on the brink of becoming a success story. https://walfinch.com/
Guest:

Amrit Dhaliwal


Published:
Georgie Frost

This Is Money: Inflation strikes back: How worried do we need to be?

Georgie Frost
Original Broadcast:

This is Money

This Is Money: Inflation strikes back: How worried do we need to be?
Georgie Frost, Simon Lambert and Tanya Jefferies discuss the recent bounce-back in inflation, the speculation over ISAs and whether extra savings should go into a pension instead, the scrapping of an online state pension forecasting tool, and premium bonds being under the weather at present.
Guest:

Tanya Jefferies


Published:
Georgie Frost

This Is Money: What next for house prices and is it harder to buy a home now vs 1974?

Georgie Frost
Original Broadcast:

This is Money

This Is Money: What next for house prices and is it harder to buy a home now vs 1974?
House price predictions for next year have started to roll in, so where do the experts think they are headed next? Georgie Frost, Helen Crane and Lee Boyce discuss the property market - and delve into figures that attempt to tackle the tricky question: is it harder to buy a home now versus 50 years ago? And sticking with property, Halifax has launched a highly unusual fixed-rate mortgage — should borrowers be tempted? With the weather turning colder, we talk how to stay warm this winter without breaking the bank and whether it is worth getting a fixed tariff with your energy firm. We reveal the amount you should have saved in your pension in every decade of your life to guarantee a golden retirement — and how much notice you should pay to these formulas. And lastly, Lee reveals his top tips for avoiding the out of contract rip-off trap — and how he's saving more than £400 in the next 12 months by doing so.
Guest:

Helen Crane


Published:
Georgie Frost

This Is Money: Bonus episode — The big Budget pension and investing questions answered

Georgie Frost
Original Broadcast:

This is Money

This Is Money: Bonus episode — The big Budget pension and investing questions answered
On this special bonus episode of the This is Money Podcast, Rob Morgan, chief analyst at Charles Stanley Direct, joins Simon Lambert to answer the big questions that have emerged from last week's Budget. They discuss, amongst among other things: pensions and inheritance tax — who will be caught out? What can investors do — should they spend their pensions before other savings? What has happened with capital gains tax — and who will it catch? What are the best ways to keep a CGT bill down? How can savers and investors beat the frozen threshold stealth tax? And what are the financial planning basics people should make sure they get right?
Guest:

Rob Morgan


Published:
Georgie Frost

This Is Money: Private vs public sector pensions — and how to avoid a race to the bottom

Georgie Frost
Original Broadcast:

This is Money

This Is Money: Private vs public sector pensions — and how to avoid a race to the bottom
Are private sector retirement plans being put at risk in order to help strengthen public-sector gold-plated pensions? Georgie Frost discusses this and other topics with Simon Lambert and Lee Boyce, including a couple of irritating taxes, where interest rates will be next year and whether you should get a LISA if you already own a home. Plus, they identify some key property hotspots.

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