Money Clinic with Claer Barrett

FT News Briefing: How to spend wisely this holiday season with Claer Barrett

Fri, 19 Dec 2025 05:00:00 GMT

The holiday season is the most wonderful time of the year, but it's also the most expensive. Between gifts, food and travel, people can end up spending a lot of money this year. The Financial Times' Marc Filippino talks with Claer about why people are feeling the pinch this season and what they can do about it.

Mentioned in this podcast:

FT Financial Literacy and Inclusion Campaign

Find Claer on TikTok and Instagram

Note: The FT does not use generative AI to voice its podcasts

This episode of Money Clinic was produced by Marc Filippino, Mischa Frankl-Duval, and Victoria Craig. Our show was mixed by Kent Militzer. Additional help from Michael Lello. The FT’s acting co-head of audio is Topher Forhecz. The show’s theme music is by Metaphor Music.

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The 2025 Budget: what does it mean for your money?

Sat, 29 Nov 2025 05:00:00 GMT

It’s been a rollercoaster week for both UK politics and our personal finances, with chancellor Rachel Reeves setting out tens of billions of pounds of tax rises in the Budget. But how will these new taxes be applied and what could they cost you? In a podcast recorded live at the FT, host and consumer editor Claer Barrett is joined by Dan Neidle, the founder of Tax Policy Associates; Stuart Kirk, the FT’s investment columnist; and Tej Parikh, the FT’s economics leader writer, to field questions from readers and listeners. They cover everything from what the Budget means for people investing in UK markets, the new rules on pensions and salary sacrifice, how to stay under the £100,000 threshold for childcare support and much more.

To find out how much the five-year freeze to tax thresholds could cost you, find a free link to the FT’s Budget stealth tax calculator here

Claer’s Budget column: A horrid Budget for ‘Henrys’

Salary sacrifice shake-up: what it means for staff and employers

Follow Claer on social media @Claerb

This episode was made available with thanks to FLIC, the FT’s Financial Literacy and Inclusion Campaign.

Read more about FLIC here or click here, and to donate, click here.

Read a transcript of this episode on FT.com

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Investment Clinic: Should I keep betting on Warren Buffett?

Tue, 01 Apr 2025 04:00:00 GMT

Fifty-eight-year-old Margo has amassed a very healthy retirement fund, in part by buying shares in Berkshire Hathaway, the investment company run by Warren Buffett. When even the ‘Sage of Omaha’ is reducing his exposure to certain US stocks, Margo wonders if it’s time for her to follow his lead and look to invest in other parts of the world.

Presenter Claer Barrett, the FT’s consumer editor, is joined by not one but two FT columnists: Simon Edelsten, Partner at Goshawk Asset Management, and finance veteran and Skin in the Game columnist Stuart Kirk. Together, they chew over Buffett’s succession plans, the lure of Japanese stocks and why even Margo’s seven-figure portfolio could be particularly vulnerable to a market correction.

Disclaimer: the Money Clinic podcast is intended as a general discussion about investing, and is not intended as financial advice or any kind of investment recommendation. Everybody's financial situation is different. You should always do your own research before you make any investment decisions.

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Want more? Free links:

Read this FT story about how Warren Buffett has reassured investors over Berkshire Hathaway’s record cash pile: https://on.ft.com/3RtjE7D

Read all about Stuart Kirk’s views on the US stock market in his latest FT column: https://on.ft.com/43yzQvH

Presented by Claer Barrett, produced by Mischa Frankl-Duval, with mix and sound design from Breen Turner and Joe Salcedo. The executive producer is Manuela Saragosa. Cheryl Brumley is the FT’s head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Investment Clinic: I’m 29 – should I still be taking stock tips from my dad?

Tue, 25 Mar 2025 05:00:00 GMT

Matt started investing at just 22 with the help of his financial adviser father. Now, at 29, and with a wedding on the cards, he’s got an extra reason to be diligent about his money. Some of Matt’s stock picks (such as Glencore) haven’t been performing as he might like. Is it time to leave stock-picking behind, and focus on a more diversified approach?

Presenter Claer Barrett is joined by Adam Walkom, the co-founder of Permanent Wealth Partners, and Investors’ Chronicle editor Taha Lokhandwala, to discuss Matt’s situation. Adam and Taha disagree on the merits of stock-picking – but they’re in agreement about the concentration risk lurking within Matt’s portfolio.

Want more? Free links:

Read Moira O’Neill’s recent FT article about diversifying your stocks and shares Isa here: https://on.ft.com/4l0xrAk

Read FT columnist Simon Edelsten on how investors can build more resilient portfolios: https://on.ft.com/41YJWUn

Presented by Claer Barrett, produced by Mischa Frankl-Duval, with mix and sound design from Breen Turner, Sam Giovinco and Joe Salcedo. The executive producer is Manuela Saragosa. Cheryl Brumley is the FT’s head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Investment Clinic: I’m almost 50 – is it too late to start investing?

Tue, 18 Mar 2025 05:00:00 GMT

Forty-nine-year-old Jane has always been careful to squirrel money away, and a recent inheritance has boosted her nest egg to £125,000. But there’s one problem: it’s all in cash. Now, with half an eye on retirement, Jane wants to start investing but is unsure about how to do this.

Presenter Claer Barrett hears from experts Emma Sterland, chief financial planning director at Evelyn Partners, and Investors’ Chronicle editor Rosie Carr. Together, they discuss how Jane might make the most of tax-efficient vehicles like the stocks and shares Isa, how a first-time investor could build a diversified portfolio, and why knowing your reasons for investing is so important.

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Want more? Free links:

Read Claer’s recent column weighing up the likely effect of rumoured Isa reforms: https://on.ft.com/4hdLMX5

What’s going into your Isa this year? Read this guide about how to pick diversified investments by FT columnist Moira O’Neill: https://on.ft.com/4hcyKZP

Read a transcript of this episode on FT.com

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Investment Clinic: I'm 67 - will US stocks crash my retirement?

Tue, 11 Mar 2025 05:00:00 GMT

Sixty-seven-year-old Paul invests using index funds. Over the years, his exposure to US tech stocks has helped him build up a sizeable retirement pot — but recent stock market volatility is making him worry.

Now that he’s no longer working, Paul wonders if he should diversify into other equity markets, consider buying bonds, or an annuity. But he is finding this is hard to do without looking at the bigger picture of his finances in retirement.

Financial Times consumer editor Claer Barrett is joined by Adam Walkom, co-founder of financial planning firm Permanent Wealth Partners, and Moira O’Neill, an award-winning journalist with a column in the weekend edition of the FT.

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Want more? Free links:

If concentration risk is something that worries you, read this FT analysis: "How big is the stick market's 'America Bubble'?" https://on.ft.com/4ifFash

For a masterclass in how index funds work, do check out this episode from the Money Clinic back catalogue:

'Investment Masterclass: The cheapest way to invest.' It's available on Apple (https://podcasts.apple.com/gb/podcast/investment-masterclass-the-cheapest-way-to-invest/id287031335?i=1000582970471) and Spotify: (https://open.spotify.com/episode/4BDgn1dKL3JCkkjYwwbe2B)

Read a transcript of this episode on FT.com

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Investment Clinic: I’m an ethical investor – but I can’t kick crypto

Tue, 04 Mar 2025 10:13:37 GMT

Software engineer Stephan has a problem. As an early backer of bitcoin, he has made a lot of paper profit from cryptocurrencies, which now make up about a fifth of his portfolio. But Stephan’s also a big believer in ethical investing, including green investments. Given the energy-intensive nature of bitcoin mining, how could he approach resolving this conflict? Podcast host Claer Barrett, the FT’s consumer editor, is joined by FT columnist and personal finance expert Moira O’Neill, and David Baxter, funds editor at the Investors’ Chronicle. Together, they discuss the true meaning of green investing, and how Stephan might simplify his investments (and save himself some admin…)

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Want more? Free links:

For a great read on the future of ESG in the Trump era, read this FT article: https://on.ft.com/41qB7lW

For more information about investing using Investment Trusts, read this FT piece by columnist Jonathan Guthrie: https://on.ft.com/3QMrGYQ

Read a transcript of this episode on FT.com

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Investment Clinic: the high earner taking stock tips from ChatGPT

Tue, 04 Mar 2025 05:00:00 GMT

Twenty-nine-year-old Faye has made some sensible investing decisions and … some more outlandish ones. Should this high-earning City worker, who’s dabbled in everything from cryptocurrency to novelty number plates, get a little bit more serious about how she invests? Presenter Claer Barrett, the FT’s consumer editor, is joined by Adam Walkom, co-founder of financial planning firm Permanent Wealth Partners, and Nimesh Shah, CEO of accountancy firm Blick Rothenberg. They speak to Faye about tax-efficient vehicles (such as like venture capital trusts), the six-figure salary tax trap, and why there’s nothing wrong with having a bit of fun investing.

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Want more? Free links:

Read more about the 60% tax trap here: https://on.ft.com/4i15aaU

Read Claer's tips about other ways to avoid the 60% trap apart from paying more into your pension: https://on.ft.com/41glLjC

For a primer in how VCTs work - and the pros and cons for investors - see this FT article: https://on.ft.com/41lhpYB

Read a transcript of this episode on FT.com

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Can Stuart Kirk double his money in eight years?

Tue, 17 Sep 2024 04:00:06 GMT

How does one double a sizeable portfolio in under a decade? The short answer is by taking more investment risk - and in today’s episode one of the FT’s most experienced investment columnists weighs up the potential risks.

Stuart Kirk has set an ambitious financial goal to hit ahead of his 60th birthday — growing his portfolio from just over £500,000 today to £1mn by 2032.

Will he be persuaded to take a punt on flashy US tech stocks, dabble in alternative investments such as private equity, go for gold, or even gamble with cryptocurrency?

In the edited highlights from the FT Weekend Festival in London, host Claer Barrett invites Stuart to present his portfolio to the FT Money tent, before taking a grilling from inquisitive FT subscribers in the audience.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Money Clinic will be back in 2025 with new episodes. If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on X, Instagram and TikTok.

Want more?

Read Stuart Kirk’s recent Skin in the game columns, When will emerging stocks finally emerge?, The best way to invest in gold, and more

Listen to Claer and Stuart’s viral mini podcast episode, The Five Minute Investor from Money Clinic: What is a PE ratio?

Check out Claer’s column, What’s the chancellor’s next move going to be with my pension?

Listen to more episodes of Money Clinic, such as Investment Masterclass: The hunt for global growth stocks, Investment Masterclass: The case for investing in AI, and more.

Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Best of Money Clinic: Investment masterclass: The psychology of money

Tue, 10 Sep 2024 04:00:28 GMT

‘If you can tell a good story,’ says Morgan Housel, ‘you’ll get people to line up and listen to you.’ In this episode of Money Clinic, Morgan shares some of those stories with host Claer Barrett and challenges us to think differently about our attitude to wealth and wealth creation. This episode is a repeat of a Money Clinic first published in January 2024.

More information on Morgan Housel and his books: https://www.morganhousel.com/

Follow Claer on social media @Claerb

Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read the transcript of this episode which was first aired in January 2024 on FT.com

Hosted on Acast. See acast.com/privacy for more information.

How “painful” will the Budget be for your finances?

Tue, 03 Sep 2024 04:00:00 GMT

With a £22bn ‘black hole’ in the public finances, the new chancellor Rachel Reeves has difficult decisions to make ahead of Labour’s autumn Budget next month. How might this hole be plugged, and where might tax rises land? In this episode, Dan Neidle, founder of think-tank Tax Policy Associates and former head of tax at Clifford Chance, considers which tax-raising levers the chancellor might pull on October 30, and puts forward a case for fairer, growth-focused tax policy.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Want more?

Check out Claer’s column, What’s the chancellor’s next move going to be with my pension?

Listen to more episodes of Money Clinic, such as What will the UK election mean for your money?, Isa season: how to build tax-free wealth, and more.

Presented by Claer Barrett. Produced by Tamara Kormornick with help from Mischa Frankl-Duvall. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

“How not to lose a million dollars”

Tue, 27 Aug 2024 04:00:06 GMT

In an increasingly cashless society, how can parents ensure children learn healthy financial habits? In this episode, host Claer Barrett speaks to Sheila Bair, author of the Money Tales children’s book series and former chair of the US Federal Deposit Insurance Corporation, about instilling children with sensible attitudes to money - and reveals details of her next book, How Not to Lose a Million Dollars.

For a chance to win a pair of Bose QuietComfort 35 Wireless Headphones, share your thoughts on the show with us via a short survey before August 29 2024 (terms and conditions can be found here).

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.

Want more?

Check out Claer’s column, Widowed pensioners ‘could be owed thousands’ in UK state pension.

Listen to more episodes, such as How can I cut the cost of my insurance cover?, Can financial therapy change our relationship with money?, and more.

Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner and Samantha Giovinco, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Best of Money Clinic: ‘Sadmin’ – the side-hustle nobody wants

Tue, 20 Aug 2024 04:00:51 GMT

When FT columnist Miranda Green lost her father, she expected the grief to be long-lived. What she didn’t expect was that she would still be attempting to settle her father's financial affairs nearly a year later with multiple calls to banks, building societies, insurers and utility companies.

In an episode which first aired last September, Miranda tells presenter Claer Barrett about her experiences dealing with inconsiderate call handlers and poor processes in the private sector. Claer puts Miranda’s concerns to Eric Leenders, the director of personal finance at UK Finance, the trade body that represents about 300 financial services organisations. What are they doing to address the problem?

Want more?

Listen to the second part of this series, Help! My parents are being targeted by scammers

Read Miranda Green’s article for free: Sadmin - the side hustle nobody wants

Services mentioned in the podcast:

https://www.gov.uk/after-a-death/organisations-you-need-to-contact-and-tell-us-once

https://www.mylostaccount.org.uk

https://www.deathnotificationservice.co.uk

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.

Want more?

Check out Claer’s column, Widowed pensioners ‘could be owed thousands’ in UK state pension.

Listen to more episodes, such as How can I cut the cost of my insurance cover?, Can financial therapy change our relationship with money?, and more.

Presented by Claer Barrett. Produced by Philippa Goodrich and Laurence Knight. Our executive producer is Manuela Saragosa. Sound design by Breen Turner and Samantha Giovinco, with original music from Metaphor Music.

Read the transcript of this episode which was first aired last September on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Best of Money Clinic: The financial advice we’d give to Barbie

Tue, 13 Aug 2024 04:00:42 GMT

In this Headlinemoney award-winning episode of Money Clinic, first aired in August 2023, presenter Claer Barrett is joined in the studio by wealth manager Christine Ross from Handelsbanken and FT personal finance columnist Moira O’Neill, who share their tips on everything from prenups to investing.

Clips: Warner Bros

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.

Want more?

Check out Claer’s column, How the ‘single tax’ can break financial resilience.

Listen to more episodes, such as Should I get a prenup?, Investment Masterclass: The hunt for global growth stocks, and more.

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Should I get a prenup?

Tue, 06 Aug 2024 04:00:29 GMT

Prenuptial agreements are no longer just for Hollywood power couples such as Jay Z and Beyoncé — they’re on the rise in the UK too. Host Claer Barrett sits down with family lawyer Richard Hogwood from Stewarts Law to discuss the legal status of prenups as well as the recent influx of requests at his firm, and quizzes James Brookner, founder of the online-platform Wenup, on an affordable route to drafting a prenup. Also in the Money Clinic studio are newly weds-to-be Steve and Georgina, who explain why they decided on a prenup and how they navigated the tricky conversation around it.

For a chance to win a pair of Bose QuietComfort 35 Wireless Headphones, share your thoughts on the show with us via a short survey before August 29 2024 (terms and conditions can be found here).

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.

Want more?

Check out Claer’s column, How the ‘single tax’ can break financial resilience

Listen to more episodes of Money Clinic on the topic, such as The finances of moving in together, How can we stop arguing about money?, and more.

Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with help from Jake Fielding, and the original music is from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Money Clinic presents: How to future-proof your career

Tue, 30 Jul 2024 03:00:25 GMT

Isabel Berwick, host and editor of the FT’s Working It podcast and newsletter, has spent the last year writing The Future-Proof Career, a book about how to thrive at work, now and in the future. In April, she held a launch event at Daunt Books, where she spoke to Money Clinic’s Claer Barrett, the FT’s consumer editor, about what she learned in the process. This is an edited version of a Working It episode that aired in May.

For a chance to win a pair of Bose QuietComfort 35 Wireless Headphones, share your thoughts on the show with us via a short survey before August 29 2024 (terms and conditions can be found here).

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Want more?

Catch Isabel on the FT’s Working It podcast, read her latest newsletter, Keeping teams calm in turbulent times, and follow her on LinkedIn.

Read more Work & Careers articles from the FT, such as Five secrets of workplace success, and Can AI make brainstorming less mind-numbing?

Check out Claer’s column, How the ‘single tax’ can break financial resilience

Listen to more episodes of Money Clinic, such as Money Clinic live: How to get a pay rise.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

How can I cut the cost of my insurance cover?

Tue, 23 Jul 2024 04:00:56 GMT

The cost of insurance premiums is rising to record highs, but levels of customer service are falling for customers who end up having to make a claim, according to a new report. The consumer group, Which? has found that almost half of those claiming on home, car or travel insurance policies in the past few years have experienced at least one problem, as the volume of complaints linked to claims handling soars. Host Claer Barrett sits down with Sam Richardson, the deputy editor of Which? Money and Ian Smith, the FT’s insurance correspondent, to find out why insurance has become such a minefield for consumers, and how to reduce the cost of premiums without compromising the quality of cover.

Links:

Money Helper: https://www.moneyhelper.org.uk/en

British Insurance Brokers’ Association: https://www.biba.org.uk/

For a chance to win a pair of Bose QuietComfort 35 Wireless Headphones, share your thoughts on the show with us via a short survey before August 29 2024 (terms and conditions can be found here).

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Want more?

Read Ian Smith’s FT Money cover story, What’s driving the car insurance crisis?

Check out Claer’s column, How the ‘single tax’ can break financial resilience

Listen to more episodes of Money Clinic on the topic, such as Am I paying too much for insurance?, Finance tips for freelancers, insurance pitfalls and how to write the perfect 'to do this', and more.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Investment Masterclass: The hunt for global growth stocks

Tue, 16 Jul 2024 04:00:49 GMT

When it comes to growth investing, big US tech stocks are the prime example. However, professional investors are looking to diversify into other areas of global stock markets, seeking out fast-growing companies of the future.This week, Claer sits down with fund manager James Thomson, who has managed the £4bn Rathbone global opportunities fund for 20 years. In this episode, he shares the ingredients for his “special sauce” to investing in growth stocks, his biggest mistakes and the core lessons he has learned from weathering several economic crises.

Links:

The Five Minute Investor from Money Clinic: Magnificent Seven

Money Clinic’s Investment Masterclass: The case for investing in AI

For a chance to win a pair of Bose QuietComfort 35 Wireless Headphones, share your thoughts on the show with us via a short survey before August 29 2024 (terms and conditions can be found here).

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.

Want more?

Check out Claer’s column, Could AI make you a better investor?

Listen to more investment masterclasses from Money Clinic, such as WTF are ETFs, Do sneakers deserve a place in your investment portfolio?, and more.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Do sneakers deserve a place in your investment portfolio?

Tue, 09 Jul 2024 04:00:20 GMT

Over the past decade, collectible sneakers have crept to multi-billion dollar market status, but can they really be considered investments? In this episode, presenter Claer Barrett checks in with Unhedged podcast co-host and aspiring sneakerhead Rob Armstrong for his take on these alternative alternative investments, and later hears about the world’s first managed sneaker fund, Always Legit, asking co-founder and COO Howie Schwartz the burning question: are sneakers investable in the long run?

For a chance to win a pair of Bose QuietComfort 35 Wireless Headphones, share your thoughts on the show with us via a short survey before August 29 2024 (terms and conditions can be found here).

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Want more?

Watch the FT video report, How sneaker fans are cashing in on the $2bn resale market for limited edition trainers.

Check out Claer’s column, Could AI make you a better investor?

Listen to more episodes of Money Clinic, such as The case for investing in AI, WTF are ETFs?, and more.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Financial regrets? Comedian Lucy Porter’s had a few

Tue, 02 Jul 2024 04:00:28 GMT

It’s easy to harbour regrets about poor financial decisions, but this week’s guest has decided to do what many wouldn’t dare: air her mistakes in public on a national tour. Presenter Claer Barrett speaks with comedian Lucy Porter, best known for her appearances on QI, Have I Got News For You and EastEnders, about her biggest money regrets and more, and the many, many laughs along the way. Clip: BBC

Catch Lucy on her national tour of No Regrets and listen to her podcast, Fingers on Buzzers.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Want more?

Check out Claer’s column, What I wish I’d known before my smartphone was snatched.

Listen to more episodes, such as Money Clinic meets Joe Lycett, Credit Card Clinic: How to get on top of your debts in 2024, and more.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

What will the UK election mean for your money?

Tue, 25 Jun 2024 04:00:41 GMT

Regardless of which political party wins the UK general election on July 4, voters fear they will have to pay more taxes. Taxes are the crucial battleground in the run-up to polling day, and experts question whether manifesto pledges can be delivered without raising them. What aspects of our personal finances could be affected - and could a change of leadership potentially be beneficial for investors in UK stocks? In this episode, host Claer Barrett discusses what could happen next with Miranda Green, the FT’s deputy opinion editor; Nimesh Shah, chief executive of advisory firm Blick Rothenberg and Moira O’Neill, an FT investing columnist. Clips: LBC, Labour Party

Links to articles mentioned in the show:

Blue Wall vulnerable to tactical voting as natural Conservatives turn against party

The hunt for good-value UK stocks

Wealthy foreigners step up plans to leave UK as taxes increase

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Want more?

Check out Claer’s column, What I wish I’d known before my smartphone was snatched.

Listen to more episodes, such as Tax cuts: will they or won’t they?, The bonus secrets of Financial Times readers, and more.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Can financial therapy change our relationship with money?

Tue, 18 Jun 2024 04:00:06 GMT

Prepare to take a seat on the therapist’s couch and discover what your money habits say about you. In this episode, host Claer Barrett sits down with the UK’s first financial therapist, Vicky Reynal whose new book, Money on Your Mind: The Psychology Behind Your Financial Habits, aims to help people untangle problematic aspects of their relationship with money. They discuss the symbolic nature of money, what can make one person a spender and another a saver, and how equipping yourself with this knowledge can empower you to change negative behaviours around money.

Want more?

Check out Claer’s column, What I wish I’d known before my smartphone was snatched.

Listen to more episodes, such as Money and relationships: a crash course, Investment masterclass: The psychology of money, The high cost of being a wedding guest, and more.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

The Five Minute Investor from Money Clinic: What is a PE ratio?

Tue, 11 Jun 2024 04:00:32 GMT

When we talk about the relative value of our investments, PE ratios are never far away from the conversation - but what does this mean, and what exactly goes into this calculation? In the latest episode of our Five Minute Investor miniseries, FT consumer editor Claer Barrett challenges FT investment columnist Stuart Kirk to break down the ‘price’ and ‘earnings’ parts of the equation, and elucidate on other ways the PE ratio is used by investors to benchmark the relative value of different shares and other assets in their portfolio.

Tune in every Tuesday to catch the latest episode of the Five Minute Investor, and subscribe to Money Clinic wherever you get your podcasts. If you would like Claer to demystify an investment term, email the team at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Want more?

Check out Claer’s column, Have you got five minutes to talk about investing?

Read Stuart Kirk’s latest Skin in the Game column for free.

Listen to Money Clinic’s Investment Masterclasses, such as Stuart Kirk has ‘skin in the game’, ‘Money is basically a fiction’, and more.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

The Five-Minute Investor from Money Clinic: What’s an IPO?

Tue, 04 Jun 2024 04:00:38 GMT

With a string of companies preparing to launch stock market listings on both sides of the Atlantic, investors may be tempted to invest in an IPO. But when companies stage an initial public offering, what are the factors to consider? In our new miniseries, The Five-Minute Investor, consumer editor Claer Barrett challenges Rob Armstrong, co-host of FT’s Unhedged podcast and author of the Unhedged newsletter, to explain why companies go public, and the risks of getting carried away with investing on the first day of public trading.

Tune in every Tuesday to catch the latest episode of The Five-Minute Investor, and subscribe to Money Clinic wherever you get your podcasts. If you would like Claer to demystify an investment term, email the team at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Want more?

Listen to Unhedged wherever you get your podcasts, read Rob Armstrong’s latest Unhedged newsletter, and sign up to a free 30-day trial of the Unhedged newsletter: https://www.ft.com/unhedgedoffer.

Check out Claer’s column, Have you got five minutes to talk about investing?

Listen to Money Clinic’s Investment Masterclasses, such as An insider's view of the City of London, What’s one of the world’s leading investors buying?, and more.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

The Five-Minute Investor from Money Clinic: What is a yield?

Tue, 28 May 2024 04:00:11 GMT

Like an interest rate on a savings account, investment yields show us how much income different investments are able to generate. But how are yields calculated, and how can they measure the returns on different types of investments including shares, bonds and property?

In our new miniseries, The Five-Minute Investor, consumer editor Claer Barrett asks FT markets columnist and Unhedged co-host Katie Martin to give practical examples of how yields can be used as a benchmark for different assets, and how to interpret the story behind the numbers.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse.

Want more?

Listen to Unhedged wherever you get your podcasts, and read Katie Martin’s column on the topic, How the humble dividend might rise again.

Check out Claer’s Lunch with investor and ‘Dragon’s Den’ star Deborah Meaden.

Listen to Money Clinic’s investment masterclasses, such as Deborah Meaden on her life in business, An insider's view of the City of London, and more.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

The Five-Minute Investor from Money Clinic: What’s a bull market?

Tue, 21 May 2024 04:00:55 GMT

Global stock markets are charging along breaking record after record — but what’s driving this ‘bull market’ and how much longer can it last? Plus, what could it mean for investors if a ‘bear market’ awakens from hibernation? In our new miniseries, The Five-Minute Investor, consumer editor Claer Barrett challenges Rob Armstrong, co-host of FT’s Unhedged podcast and author of the Unhedged newsletter, to explain the factors that drive bull and bear markets, and if individual investors should reconsider their strategy.

Links:

Free pound cost averaging calculator: https://www.hl.co.uk/tools/calculators/regular-investing-calculator

Free dollar cost averaging calculator: https://www.buyupside.com/calculators/dollarcostave.php

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Want more?

Listen to Unhedged wherever you get your podcasts, read Rob Armstrong’s Unhedged newsletter on the topic, A better bull market?, and sign up to a free 30-day trial of the Unhedged newsletter: https://www.ft.com/unhedgedoffer.

Check out Claer’s column, Have you got five minutes to talk about investing?

Listen to Money Clinic’s Investment Masterclasses, such as An insider's view of the City of London, What’s one of the world’s leading investors buying?, and more.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

The Five-Minute Investor from Money Clinic: The power of compounding

Tue, 14 May 2024 04:00:34 GMT

‘The two most powerful warriors are patience and time,’ Leo Tolstoy once wrote. But how can this make you a richer investor? The answer is compounding, and in our new miniseries, The Five-Minute Investor, consumer editor Claer Barrett challenges Bobby Seagull, the TV star and mathematics teacher, to demonstrate how compounding can power up our long-term investments.

Try out a compound interest calculator, and read more about INC and ACC funds.

Take a look at MoneySavingExpert’s credit card minimum repayment calculator.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Want more?

Check out Claer’s column, Why do we think we can beat the market?

Listen to Money Clinic’s Investment Masterclasses, such as An insider's view of the City of London, What’s one of the world’s leading investors buying?, and more.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

The Five Minute Investor from Money Clinic: Are share buybacks good news for investors?

Tue, 07 May 2024 04:00:38 GMT

Share buybacks have been in the news as Apple announced what would be the largest buyback in US history. But why is the US tech giant purchasing $110bn of its own shares, and cancelling them? In the latest episode of our Five Minute Investor miniseries, FT consumer editor Claer Barrett quizzes FT investment columnist Stuart Kirk on why more and more companies are doing this — and how investors can benefit.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Want more?

Check out Claer’s column, Have you got five minutes to talk about investing?

Read Stuart Kirk’s latest Skin in the Game column for free.

Listen to Money Clinic’s Investment Masterclasses, such as Stuart Kirk has ‘skin in the game’, ‘Money is basically a fiction’, and more.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

The Five Minute Investor from Money Clinic: Why liquidity matters for investors

Tue, 30 Apr 2024 04:00:59 GMT

In the age of the smartphone, it’s never been easier to buy an investment — but how quickly can you sell one, and how might this affect the price? In our new miniseries, The Five Minute Investor, consumer editor Claer Barrett challenges investment commentator Justin Urquhart-Stewart to explain why liquidity should be at the forefront of every investor’s mind.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Want more?

Check out Claer’s column, Why do we think we can beat the market?

Listen to Money Clinic’s Investment Masterclasses, such as An insider's view of the City of London with today’s guest Justin Urquart-Stewart, What’s one of the world’s leading investors buying?, and more.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

The Five Minute Investor from Money Clinic: Magnificent Seven

Tue, 23 Apr 2024 04:00:00 GMT

The Magnificent Seven could make up a much bigger slice of your own portfolio than you realise, but what are these seven stocks, and why are they so dominant? In our new miniseries The Five Minute Investor, consumer editor Claer Barrett challenges FT markets columnist Katie Martin to explain the hype around these gigantic US stocks.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Want more?

Read Claer’s recent column that looked at how exposed the index funds in her portfolio were to the Magnificent Seven - and if this was a good or bad thing: free to read link here

Check out Katie Martin’s most recent FT column, which looks at how the Magnificent Seven share prices are coming under pressure: free to read link here

Listen to more episodes of Money Clinic, such as The case for investing in AI, WTF are ETFs?, and more.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Investment Masterclass: confessions of a top ex-Citibank trader

Tue, 16 Apr 2024 04:00:33 GMT

‘If I try to put myself back into the shoes of me as a 21-year-old, all I can tell you is this: I was hungry,’ writes Gary Stevenson in his recently released memoir, The Trading Game, which tells the story of how the son of a Post Office worker briefly became the highest-paid trader working on Citi’s bond trading floor at London’s Canary Wharf. He sits down with host Claer Barrett to talk about what he learned about trading and how the wider economy works – and why he’s worried.

Find Gary @garyseconomics on YouTube, X, Facebook, Instagram and TikTok. Read Gary Stevenson’s recent FT Magazine profile by Miles Ellingham.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse.

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on X, Instagram and TikTok.

Want more?

Check out Claer’s column, The hunt for good value UK stocks.

Listen to more episodes, such as Investment Masterclass: An insider's view of the City of London, Investment masterclass: what’s one of the world’s leading investors buying?, and more.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Coming soon: The Five Minute Investor from Money Clinic

Fri, 12 Apr 2024 04:00:44 GMT

Introducing Money Clinic’s Five Minute Investor, a miniseries hosted by Claer Barrett, the FT’s consumer editor. In each episode, Claer challenges top financial commentators to break down financial jargon in just five minutes, making you a smarter, and hopefully richer, investor. Tune in every Tuesday, and subscribe to Money Clinic wherever you get your podcasts. If you would like Claer to demystify an investment term, email the team at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Hosted on Acast. See acast.com/privacy for more information.

Money Clinic presents Unhedged: The great British bargain show

Tue, 09 Apr 2024 04:00:31 GMT

The main stock index in the UK, the FTSE 100, includes some of the biggest and most profitable multinational companies in the world. But in recent years the index has trailed the US markets and is now considerably cheaper. In this episode of the FT’s Unhedged podcast, introduced by Money Clinic’s Claer Barrett, reporters Ethan Wu and Rob Armstrong ask if investors are overlooking a bargain.

Want more?

Read Claer Barrett’s latest FT article, The hunt for good value UK stocks.

Find Unhedged wherever you get your podcasts, and enjoy a free 30-day trial of the Unhedged newsletter (free for FT Premium subscribers). Follow Ethan Wu (@ethanywu), Robert Armstrong (Katie Martin (@katie_martin_fx) on X. You can email Ethan at ethan.wu@ft.com.

Listen to more Money Clinic episodes, such as How an ISA millionaire chooses stocks, Investment Masterclass: Nick Train on the case for investing in UK shares, and more.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on X, Instagram and TikTok.

Unhedged is produced by Jake Harper and edited by Bryant Urstadt. The executive producer is Jacob Goldstein. We had additional help from Topher Forhecz. Cheryl Brumley is the FT’s global head of audio. Special thanks to Laura Clarke, Alastair Mackie, Gretta Cohn and Natalie Sadler.

Hosted on Acast. See acast.com/privacy for more information.

Best of Money Clinic: Investment masterclass with Deborah Meaden

Tue, 02 Apr 2024 04:00:37 GMT

Deborah Meaden, star of the hit BBC show “Dragons’ Den” is one of the highest-profile investors in the UK, famed for grilling entrepreneurs who want to secure financial backing for their businesses. In this episode of Money Clinic, first aired in October 2023, Deborah speaks to host Claer Barrett about how she goes about picking which companies to invest in, her commitment to green investment choices and her latest book, “Why Money Matters”, which explains money and finance to children.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on X, Instagram and TikTok.

Want more?

Check out Claer’s column, The hunt for good value UK stocks.

Listen to more episodes, such as Can ESG investing really change the world?, How can I scale up my side hustle? and more.

Links:

https://makemymoneymatter.co.uk/

https://ftflic.com/

Clip: BBC

Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Hosted on Acast. See acast.com/privacy for more information.

Isa season: how to build tax-free wealth

Tue, 26 Mar 2024 05:00:53 GMT

With just days to go until the end of the tax year, it’s peak season for British savers and investors to make the most of their £20,000 annual Isa allowance before it renews on April 6. Whether you’re a beginner or a more seasoned investor, this episode clearly explains the tax benefits of Isas, how these work in practice and some common investment strategies. Host Claer Barrett breaks down the different types of Isas with FT Money columnist Moira O’Neill and Timi Merriman-Johnson, the financial educator and content creator better known online as Mr MoneyJar. In the edited highlights from an FT webinar, the panel shares tips about everything from getting started and choosing the right platform to asset allocation and ensuring your Isa portfolio is diversified.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Want more?

Check out Claer’s column, Why I’m sticking with my passive Isa strategy

Listen to more episodes, such as How an ISA millionaire chooses stocks, Investment Masterclass: Isa investing is changing, and more.

Links:

https://www.pimfa.co.uk/

https://www.boringmoney.co.uk/

https://compareandinvest.co.uk/

Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Fixing women’s financial future

Tue, 19 Mar 2024 05:00:25 GMT

Hot on the heels of a UK Budget announcement that promised to boost the childcare offer for working families, host Claer Barrett marks International Women’s Day by speaking to a panel of experts about the true cost of childcare, and how investing in this “essential infrastructure” could boost the UK economy as well as helping to close the gender pay and gender pensions gap.

On the panel are ‘Flex Appeal’ campaigner Anna Whitehouse, known to her social media audience as Mother Pukka, Joeli Brearley, childcare campaigner and founder of the charity ‘Pregnant Then Screwed’, and Maike Currie, who spearheads Hargreaves Lansdown’s ‘Financially Fearless’ female investing campaign. This episode is a recording of an event organised by FLIC, the FT’s financial literacy and inclusion campaign.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

For more on FLIC, see www.ftflic.com

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Want more?

Check out Claer’s column, What women want their financial future to look like.

Listen to more episodes, such as Mind the gap! What women need to know about investing, Childcare in crisis and more.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

UK Budget: what it means for your money

Tue, 12 Mar 2024 05:00:11 GMT

Chancellor Jeremy Hunt has delivered a £10bn tax-cutting Budget, promising to create a “new generation of investors” — but what does he actually have in store for our personal finances? Host Claer Barrett is joined by an expert panel to discuss tax changes coming in April, with higher-earning working parents set to see the biggest boost. Armed with direct guidance from HMRC, Miranda Green, the FT’s deputy opinion editor and Rafe Uddin, FT politics reporter, talk us through changes to child benefit, and whether plans for a new “UK Isa” and a retail offering of NatWest shares this summer will really boost the fortunes of London’s stock market — and of investors. They’re joined by Carl Emmerson, deputy director of the Institute for Fiscal Studies, who sets out what people on different salary bands can expect to see from the second cut to national insurance — plus what tax policies the opposition Labour party might be thinking up after Hunt shamelessly borrowed some of its biggest ideas.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Want more?

For a full guide to tax changes, read this FT Weekend piece: Will the Budget leave you better off?

Listen to more episodes, such as Tax cuts: will they or won’t they?, When is a tax cut not a tax cut? The Autumn Statement digested and more.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Investment Masterclass: The case for investing in AI

Tue, 05 Mar 2024 05:00:14 GMT

Investors are expecting artificial intelligence to power the next tech revolution - but are they right? Positive numbers from AI chipmaker Nvidia have powered a global stock market rally in recent weeks, with valuations of the so-called Magnificent Seven soaring as AI enters the mainstream. In this episode, Claer sits down with “AI maximalist” Ben Rogoff, lead fund manager of the £3.5bn Polar Capital Technology Trust. With more than 80 per cent of his fund’s underlying investments aimed at capturing future growth from AI, he explains what’s informing his investment strategy and responds to fears of a valuation bubble. He also shares with Money Clinic listeners why “odd” behaviour from tech leaders could be a sign that change is happening faster than markets think.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Want more?

Check out Claer’s column, Overheard in the newsroom: who will be this year’s Budget winners?

Listen to more investor masterclasses, such as What’s in your global tracker fund?, Four ways to beat the market and more.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Best of Money Clinic: How can I improve my credit score?

Tue, 27 Feb 2024 05:00:05 GMT

Most people know that you need a good credit score to be able to borrow money, but how to start building one is a mystery. First aired in June 2022, in this episode of Money Clinic, host and FT consumer editor Claer Barrett sits down with listener Emma, 22, who has never been in debt before, aside from her student loans. Emma has heard that getting a credit card could increase her chances of taking out a mortgage in the future, but before she applies for one, what does she need to consider? In this episode, Claer gives Emma’s credit score an MOT with help from Katie Watts, a consumer expert at moneysavingexpert.com, and debt adviser Sara Williams, who runs the Debt Camel blog. Together, they explain the hidden world of credit scores, credit files and tips on how to use credit responsibly, as well as offer tips on how to improve your credit score — and why this might be worth doing.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Want more?

Check out Claer’s column, A dating app with credit scores: what’s not to love?

Listen to more episodes, such as Credit scores: when a small debt becomes a big problem, Should I pay off my student loan early?, and more.

Hosted on Acast. See acast.com/privacy for more information.

The bonus secrets of Financial Times readers

Tue, 20 Feb 2024 05:00:19 GMT

This bonus season, will the UK’s top earners invest their payouts tax-efficiently into pensions and Isas, or use them to pay down debts? In this episode, Money Clinic host Claer Barrett and FT communities editor Lucy Warwick-Ching discuss key findings from nearly 3,000 responses to the FT’s annual anonymous bonus survey. They are joined by Nimesh Shah, the tax expert and CEO of advisory firm Blick Rothenberg, and financial planner Adam Walkom, partner at Permanent Wealth Partners and author of Plan For Happy. Even if you’re not lucky enough to receive a bonus this year, learning what other FT readers plan to do with theirs provides some valuable – if enviable – financial insights.

Read Claer and Lucy’s full breakdown of this year’s FT readers’ bonus survey, Pay out or doughnut? FT readers’ bonus secrets

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Follow Claer on social media @Claerb and contact the Money Clinic team via money@ft.com

Want more?

Check out Claer’s column, A dating app with credit scores: what’s not to love?

Listen to more episodes on bonuses and tax, such as Should I save, spend or invest my bonus?, When is a tax cut not a tax cut? The Autumn Statement digested, and more.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

I’m in over my head with debt: what now?

Tue, 13 Feb 2024 05:00:32 GMT

The viral ‘finfluencer’ Clare Seal, better known by her handle, My Frugal Year, to her almost 120,000 Instagram followers, is known for her compassionate approach to managing debt. Having cleared £27,000 of credit card debt, the author and financial coach sat down with host Claer Barrett to share practical tips on how to start repaying debt, manage the cost of parenthood and address feelings of shame surrounding indebtedness.

If you need to speak to someone about your debts, please seek advice from free debt advice charities such as the National Debt Line and Step Change.

This episode contains a mention of suicide. If you are in need of urgent mental health support, please contact your local emergency services or reach out to a mental health helpline, such as the Samaritans.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Follow Claer on social media @Claerb and contact the Money Clinic team via money@ft.com

Want more?

Check out Claer’s column, A dating app with credit scores: what’s not to love?

Listen to more episodes on financial planning, such as How to Sort Your Financial Life Out in 2024, Credit Card Clinic: How to get on top of your debts in 2024, and more.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Tax cuts: will they or won’t they?

Tue, 06 Feb 2024 05:00:29 GMT

Will taxes rise or fall in next month’s Spring Budget? Host Claer Barrett visits the recently appointed financial secretary to the Treasury, Nigel Huddleston. He addresses the topic of tax cuts as well as listener concerns about static personal allowance thresholds, reduced entitlements to child benefit and ISA withdrawal penalties.

Back in the studio, FT’s Whitehall editor and Political Fix podcast host Lucy Fisher joins Claer to scratch beneath the surface of the minister’s comments on progressive tax policy in light of the IMF’s latest warning to chancellor Jeremy Hunt not to lower taxes. The two also discuss the national insurance reduction, the future of Lifetime ISAs and the importance of appealing to younger voters in the run-up to the election.

Read the full news story here.

For tips on how to organise your money, sign up to email series Sort Your Financial Life Out With Claer Barrett at FT.com/moneycourse

Follow Claer on social media @Claerb and contact the Money Clinic team via money@ft.com

Want more?

Check out economics editor Sam Fleming’s article, IMF warns Jeremy Hunt against tax cuts in call to shore up UK public finances

Listen to more episodes on tax, such as When is a tax cut not a tax cut? The Autumn Statement digested, Understanding economics: why it matters for your money, and more.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Investment Masterclass: An insider's view of the City of London

Tue, 30 Jan 2024 05:00:47 GMT

The broadcaster and investment commentator, Justin Urquhart-Stewart, is well-known to millions for wearing bright red braces during his many TV appearances explaining the ups and downs of the investment world. The co-founder and former director of Seven Investment Management sat down with host Claer Barrett to recount his decades-long City career, during which time the ability for retail investors to put their capital to work has become measurably easier - and cheaper.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Follow Claer on social media @Claerb and contact the Money Clinic team via money@ft.com

Want more?

Check out Claer’s column, Why do we think we can beat the market?

Listen to more investment masterclasses, like How and ISA millionaire chooses stocks, Four ways to beat the market and more.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

I want to save for my long-term future, what should I do?

Tue, 23 Jan 2024 05:00:53 GMT

Niamh is 24 but she wants to make sure she’s in a financially stable position when she is older. How should she go about saving and investing for her long-term future? Presenter Claer Barrett is joined by Holly Mackay, founder of Boring Money, and financial planner Michael Martin, founder of Cannizaro, who discuss the pros and cons of private and workplace pensions, Lifetime Isas, mortgage overpayments and index investing.

Want more?

Check out Claer’s column: Why do we think we can beat the market?

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Follow Claer on social media @Claerb and contact the Money Clinic team via money@ft.com

Presented by Claer Barrett. Produced by Philippa Goodrich and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Introducing Untold: The Retreat

Thu, 18 Jan 2024 05:00:14 GMT

Introducing Untold, a new podcast from the special investigations team at the Financial Times. In its first series, The Retreat, host Madison Marriage examines the world of the Goenka network, which promotes a type of intensive meditation known as Vipassana. Thousands of people go on Goenka retreats every year. People rave about them. But some people go to these meditation retreats, and they suffer. They might feel a deep sense of terror, or a break with reality. And on the other side, they’re not themselves anymore. Untold: The Retreat launches Jan. 24.

Subscribe and listen on: Apple Podcasts, Spotify or wherever you get your podcasts.

Hosted on Acast. See acast.com/privacy for more information.

Mortgage clinic: your questions answered

Tue, 16 Jan 2024 04:59:31 GMT

Mortgage lenders are cutting their rates. That’s good news for anyone thinking of buying or remortgaging a property. Presenter Claer Barrett and a panel of experts answer questions from listeners looking to switch, lock in a new rate, or wondering whether to go from fixed to variable rate deals. With Andrew Montlake, managing director of Coreco mortgage brokers, mortgage advisor Dan Knott, aka Dan Does Mortgages, and Rachael Sinclair, managing director for mortgages at Nationwide.

For more tips on how to save for a mortgage sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Follow Claer on social media @Claerb and contact the Money Clinic team via money@ft.com

Want more?

Read Claer’s column: Why it pays to be picky about mortgage brokers

Barclays and Santader announce cuts to UK mortgage rates

How far will UK mortgage rates fall?

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Best of Money Clinic - How to keep your food bill down: supermarket hacks

Wed, 10 Jan 2024 05:00:45 GMT

First aired in September 2022, Claer Barrett takes to the supermarket aisles to find the best tips for keeping the cost of the weekly food shop to a minimum. She hears from Laura Gaga aka Reduction Raider on how and where to find yellow sticker bargains, while Richard Walker, managing director of Iceland supermarkets, explains why his chain has introduced interest-free buy-now-pay-later loans for struggling customers.

Follow Laura Gaga on instagram @reduction_raider1

And if you would like to get in touch with us about your experiences of renting property, please email us at money@FT.com or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok.

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Hosted on Acast. See acast.com/privacy for more information.

Investment masterclass: The psychology of money

Tue, 09 Jan 2024 05:00:55 GMT

To sign up for Claer's Sort Your Financial Life Out money series, visit FT.com/moneycourse

More information on Morgan Housel and his books: https://www.morganhousel.com/

Follow Claer on social media @Claerb and contact the Money Clinic team via money@ft.com

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Credit Card Clinic: How to get on top of your debts in 2024

Tue, 02 Jan 2024 05:00:20 GMT

With the bills rolling in after Christmas, this week’s episode is devoted to helping listeners tackle their credit card debts on a practical and emotional level - no matter how big or small they might be. Host Claer Barrett hears from experienced debt adviser Sara Williams of the popular Debt Camel blog and Instagram account, Helen Saxon, deputy editor of Money Saving Expert, and Dr Pamela Roberts, a shopping addiction specialist at the Priory Clinic. They give tips on balance transfers and on how to resist the urge to splurge.

To sign up for Claer's Sort Your Financial Life Out money series, visit FT.com/moneycourse

Links:

Business Debtline here

Citizens Advice here

Stepchange here

Debt Camel Blog here

For the MSE Credit card eligibility calculator, go here

To listen to the Money Clinic episode about shopping addiction, go here

Follow Claer on social media @Claerb and contact the Money Clinic team via money@ft.com

Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design by Simon Panayi, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

How to sort out your financial life in 2024

Tue, 26 Dec 2023 05:00:37 GMT

If you’re looking for inspiration for managing your money more effectively in 2024, this episode is for you! Claer Barrett is joined in the FT studio by popular financial experts Bola Sol, Timi Merriman-Johnson aka Mr MoneyJar, and Damien Jordan. Between them they offer a wealth of tips for navigating next year’s expected financial challenges and share their own money stories and strategies.

To sign up for Claer's Sort Your Financial Life Out money course, visit FT.com/moneycourse

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem and how you would like us to help.

You can follow Claer on X and Instagram @Claerb

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Best of Money Clinic: Four ways to beat the market

Tue, 19 Dec 2023 05:01:19 GMT

Algy Hall has four strategies for seeking out stocks that will outperform the index, highlighted in his new book Four Ways to Beat the Market. They are: quality, value, income, and momentum. Each one homes in on a very different kind of company – from the undisputed champion to the comeback kid, and from the slow-but-steady to the on-a-roll. Presenter Claer Barrett gets Algy to explain the thinking behind each strategy. The two also reminisce about their time working together as financial journalists at the Investors’ Chronicle, and Algy reveals his unusual polymathic side-gig.

If you would like to sign up to the FT’s new money newsletter course Sort Your Financial Life Out with Claer Barrett, please click here

Find out more about Algy’s book Four Ways to Beat the Market here

You can listen to the previous Investment Masterclass with Lord John Lee, which Claer mentions in this week’s episode, here.

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

You can follow Claer on X and Instagram @Claerb

Presented by Claer Barrett. Produced by Laurence Knight and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Best of Money Clinic: How an ISA millionaire chooses stocks

Tue, 12 Dec 2023 05:00:00 GMT

Lord John Lee of Trafford was the first person in the UK to reach £1mn invested in his stocks and shares ISA. He has a clear strategy based around choosing UK smallcap companies that pay dividends. This is another chance to hear him in conversation with presenter Claer Barrett, explaining his investment strategy and how he chooses stocks.

To sign up for Claer's Sort Your Financial Life Out email series, visit this link

Want more?

My Isa has suffered - but I’m still a firm believer

How to make ISAs even nicer

Investment masterclass: ISA investing is changing

If you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

Say hello on social media: you can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Investment Masterclass: What’s in your global tracker fund?

Tue, 05 Dec 2023 05:00:55 GMT

Global equity funds are a mainstay in most investors’ portfolios, but few peer under the bonnet to examine the gigantic, global companies included in these investments. Host Claer Barrett speaks to veteran investor and FT columnist Simon Edelsten about the ‘Magnificent Seven’ US tech stocks that comprise up to a quarter of the weighting in some global trackers. Can their impressive performance in 2023 continue? Simon considers the potential impact of big global trends including higher inflation, AI and climate change, and answers questions from listeners.

Free articles

Microsoft will have observer role on Open AI's new board

Tech turkeys and picking AI winners

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

Follow Claer on X, formerly Twitter, and Instagram @Claerb

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

When is a tax cut not a tax cut? The Autumn Statement digested

Tue, 28 Nov 2023 05:00:43 GMT

Tax cuts were the centrepiece of the Autumn Statement last week – with national insurance bills set to drop in January for 27mn UK workers – but these savings stand to be wiped out by ‘stealth taxes’. Host Claer Barrett crunches through the numbers and explores the Autumn Statement’s impact on pensions, Isas and other investments, with Katie Martin, the FT’s markets editor and co-presenter of the Unhedged podcast, Sam Fleming, the FT’s economics editor, and Rafe Uddin, the FT’s UK politics reporter.

Clips: UK Parliament TV

Free links:

Tell Sid all you like - but he might not buy NatWest

The Autumn Statement and your money

Q&A: How will the Autumn Statement affect me?

For related FT podcasts:

UK equity markets have had a torrid time, as our recent Investment Masterclass with UK fund manager Nick Train explores, listen here

Hear Claer and FT editors chat to Political Fix podcast host Lucy Fisher about the speed of tax cuts and the likely timing of the next general election, here

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

Follow Claer on X and Instagram @Claerb

Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Sean Kovacs McGarrity, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Understanding economics: why it matters for your money

Tue, 21 Nov 2023 05:00:05 GMT

Inflation, interest rates, growth and taxes - they’re terms we hear on the news every day, but what impact do they have on our everyday financial lives? In a Money Clinic episode recorded in front of a live audience at the Bristol Economics Festival, host Claer Barrett hears from Sarah O’Connor, FT columnist and associate editor, and Susannah Streeter, head of money and markets at Hargreaves Lansdown. Plus, the audience pitches in with questions about property, mortgages, student debt and getting started as an investor.

For more information about the Bristol Festival of Economics, go here

For more about the FT’s Financial Literacy campaign, go here

Free links to FT articles:

AI shakes up the way we work in three key industries

Stagnation nation: governing the UK when ‘there is no money’

Low income borrowers hit hardest by Bank of England rate rises

UK households still under pressure despite lowest inflation in 2 years

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

Follow Claer on X, formerly Twitter, and Instagram @Claerb

Presented by Claer Barrett. Produced by Philippa Goodrich, Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

With thanks to Zoe Steadman-Milne of the Bristol Festival of Economics

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Best of Money Clinic: WTF are ETFs?

Tue, 14 Nov 2023 05:00:17 GMT

Exchange traded funds, or ETFs, have been growing in popularity recently, but as Money Clinic listener Saranya has found, there’s a bewildering array of different types of ETFs to choose from. In an episode first aired earlier in 2023 presenter Claer Barrett is joined in the studio by Dave Baxter, funds editor at the Investors’ Chronicle, and Lynn Hutchinson, head of ETF and index solutions at investment manager Charles Stanley. They unpick the many different types of ETFs, how to use them to build an investment portfolio and what to look out for in terms of fees.

Want more?

Top 50 ETFs 2023: The best ETFs to buy

If you live near Bristol, there’s still time to grab a ticket to Money Clinic’s LIVE recording at the Bristol Festival of Economics on Thursday, November 16th, where Claer will be talking inflation, money and markets with Sarah O’Connor, the FT columnist, and Susannah Streeter, financial expert from Hargreaves Lansdown. Get your ticket here

If you'd like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem and how you would like us to help.

You can follow Claer on Instagram and X @Claerb

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Hosted on Acast. See acast.com/privacy for more information.

Investment Masterclass: Nick Train on the case for investing in UK shares

Tue, 07 Nov 2023 04:00:47 GMT

Are UK shares a bargain or a basket case? Nick Train has been an investment manager for more than 40 years and is renowned for sticking with his choices even if markets go against him. The man who’s been dubbed the UK’s answer to Warren Buffett tells host Claer Barrett why he has faith that shares in unloved UK companies will bounce back, even after years of underwhelming performance. Plus, he reveals why he seized the chance to secure a significant stake in Manchester United and why he’d like more young people to ditch sports betting in favour of having a flutter on the stock market.

Free links:

Nick Train says UK equities could stay cheap ‘for a very long time’

Lindsell Train suffers as consumer bets fall flat

Nick Train ups his stakes in Pearson and Manchester United

And if you’d like to join our live recording in Bristol on November 16:

https://www.bristolideas.co.uk/attend/money-clinic-with-claer-barrett/

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem and how you would like us to help.

Follow Claer on Instagram and X @Claerb

Presented by Claer Barrett. Produced by Philippa Goodrich and Mischa Frankl-Duval. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Credit scores: when a small debt becomes a big problem

Tue, 31 Oct 2023 04:11:46 GMT

Back in 2010, Money Clinic listener Kalyan bought an iPad with a monthly 3G subscription. Thirteen years later, that long-forgotten purchase might stop him from getting a decent rate on his mortgage. It’s a story that shines a light on how credit rating agencies score you and how things can easily go wrong. Host Claer Barrett hears from Sara Williams, who runs Debt Camel, a blog and popular Instagram account, as well as James Jones, head of consumer affairs at Experian, one of the UK's main credit reference agencies.

Want more? Free links:

UK watchdog calls for reform of credit rating market

How to improve your credit score

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

Follow Claer on X, formerly Twitter, and Instagram @Claerb

Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Investment masterclass: Deborah Meaden on her life in business

Tue, 24 Oct 2023 04:00:01 GMT

Deborah Meaden, star of the hit BBC show Dragons' Den, is one of the highest-profile investors in the UK, famed for grilling entrepreneurs who want to secure financial backing for their businesses. She speaks to presenter Claer Barrett about how she goes about picking which companies to invest in, her commitment to green investment choices and about her new book, Why Money Matters, which explains money and finance to children.

Want more? Free links:

What Rishi Sunak’s net zero overhaul means for UK emissions

ESG ratings: whose interest do they serve?

And mentioned in the show:

https://makemymoneymatter.co.uk/

https://ftflic.com/

Clip: BBC

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

Follow Claer on X, formerly Twitter, and Instagram @Claerb

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Investment Masterclass: Isa investing is changing

Tue, 17 Oct 2023 04:00:40 GMT

Isas, or individual savings accounts, in the UK are tax-free vehicles that have made millions of investors richer since their launch in 1999. The government is now considering a shake-up that would simplify “a complex landscape” of Isa products - but questions have been raised about fractional shares, which are traded by tens of thousands of younger investors. Host Claer Barrett discusses the basics of using Isas to save and invest, as well as what the government might have in store, with Jason Hollands, managing director of the online investment platform Bestinvest, Sarah Coles, head of personal finance at Hargreaves Lansdown and Brian Byrnes, head of personal finance at the savings and investment app, Moneybox.

The Money Clinic podcast is a general discussion around financial topics and does not constitute an investment recommendation or individual financial advice. For that, you'll need to find an independent financial adviser.

Want more? Free links:

HMRC clashes with young investors over Isa rules

Don’t lose the exponential benefits of fractional share trading

Jeremy Hunt plans Isa overhaul to boost share ownership

How to make Isas even nicer

Time for Isa investors to hold fractional shares

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

Follow Claer on X, formerly Twitter, and Instagram @Claerb

Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Investment masterclass: what’s one of the world’s leading investors buying?

Tue, 10 Oct 2023 04:00:27 GMT

The renowned economist and investor Mohamed El-Erian is chief economic adviser at Allianz, the parent company of Pimco, one of the world's leading providers of bonds and fixed-income investments. He’s also a contributing editor at the Financial Times, but his smiling byline photo on his weekly columns about the global economy is often at odds with the warnings and predictions he makes. He tells host Claer Barrett why he’s taking a wait-and-see approach to equities and gives his take on investment strategies in a high-inflation environment. Revealing some of the solutions to world problems in his latest book, Permacrisis, he also explains how a telling-off from his daughter was behind his decision to quit a top job.

Want more? Free links:

For the FT’s review of Mohamed El-Erian’s book, Permacrisis, see here

The plight of the ‘permacrisis’ and what to do about it

Investors should still expect a bumpy road ahead

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

Follow Claer on X, formerly Twitter, and Instagram @Claerb

Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Help! My parents are being targeted by scammers

Tue, 03 Oct 2023 04:00:23 GMT

It's hard enough sorting out the personal finances of a loved one who’s died. It’s even more painful when you suspect they’ve been targeted for their vulnerability. In the second of Money Clinic’s two-part series about what’s been called ‘sadmin’, the FT’s Miranda Green tells host Claer Barrett about the nasty surprises that she uncovered in her father’s personal finances after he died. Miranda found her Dad had been targeted by brokers selling him pointless insurance products, while her Mum had become the victim of several fraud attempts. So what are regulators and campaigners doing to protect vulnerable people from predatory selling tactics and scams?

Want more? Free link:

Sadmin - the side hustle nobody wants

Services mentioned in this 2-part series:

https://www.gov.uk/after-a-death/organisations-you-need-to-contact-and-tell-us-once

https://www.mylostaccount.org.uk/

https://www.deathnotificationservice.co.uk/

Telephone preference service: www.tpsonline.org.uk

Information commissioner’s office: https://ico.org.uk/

https://www.ageuk.org.uk/information-advice/money-legal/scams-fraud/

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

Follow Claer on X, formerly Twitter, and Instagram @Claerb

Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Dad died nearly a year ago: I'm still grappling with his personal finances

Tue, 26 Sep 2023 04:00:58 GMT

When FT columnist Miranda Green lost her father, she expected the grief to be long-lived. What she didn’t expect was that she would still be attempting to settle her father's financial affairs nearly a year later with multiple calls to banks, building societies, insurers and utilities. She tells presenter Claer Barrett about her experience of inconsiderate call handlers and poor processes in the private sector and Claer puts Miranda’s concerns to Eric Leenders, the director of personal finance at UK Finance, the trade body that represents about 300 financial services organisations. What are they doing to address the problem?

Want more? Free link:

Sadmin - the side hustle nobody wants

Services mentioned in the podcast:

https://www.gov.uk/after-a-death/organisations-you-need-to-contact-and-tell-us-once

https://www.mylostaccount.org.uk/

https://www.deathnotificationservice.co.uk/

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

Follow Claer on X, formerly Twitter, and Instagram @Claerb

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

FT Weekend Festival live: What next for UK property prices?

Tue, 19 Sep 2023 04:00:12 GMT

It’s a year since Liz Truss and Kwasi Kwarteng’s mini-Budget sent the property market into a tailspin. No sooner had house prices begun to recover than they were dealt another blow by higher-than-expected inflation figures. At the recent FT Weekend Festival, the FT’s House and Home editor Nathan Brooker asked Yolande Barnes of the Bartlett Real Estate Institute, Andrew Montlake, boss of mortgage broker Coreco and buying agent Henry Pryor for their predictions on where prices will go next. Money Clinic dropped in on the discussion to hear what the experts had to say.

Free links:

UK mortgage lenders push through further rate cuts

Festival panel sounds death knell on the housing ladder

Bonuses, Brexit and Airbnb: impacts on house prices

Has London’s property market reached the bottom?

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

Money Clinic is presented by Claer Barrett and produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of podcasts.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Money Clinic live: How to get a pay rise

Tue, 12 Sep 2023 04:00:10 GMT

We all want to feel properly rewarded for the work we do, but getting a pay rise is a tough nut to crack. How do you even start the conversation? At the recent FT Weekend Festival in London, presenter Claer Barrett put listeners’ questions to Isabel Berwick, host of the FT’s Working It podcast and Jonathan Black, FT columnist and director of the careers advice service at Oxford university.

If you want more:

FLIC, the FT’s financial literacy charity: https://ftflic.com/

Working It newsletter and podcast: https://www.ft.com/working-it

Jonathan Black’s careers advice column: https://www.ft.com/dear-jonathan

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

You can follow Claer on Twitter and Instagram @Claerb

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

The dark side of the US sports-betting boom

Tue, 05 Sep 2023 04:00:44 GMT

Sports betting is a relatively young industry in the US, in effect launching after a 2018 US Supreme Court ruling struck down a federal ban. Before then, those who wanted to gamble on sports legally had to travel to casinos in Nevada, or three other states that were exempt from the ban. Lifting the federal ban has led to a US sports-betting boom. How will regulators respond? It’s a subject that Oliver Barnes, the FT’s leisure industries correspondent, has investigated and he spoke to Brooke Masters, the FT’s US finance editor, about what he found.

Want more?

The dark side of the US sports betting boom

Disney turns to gambling

UK sets out biggest shake-up of gambling industry since 2005

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

You can follow Brooke on X, formerly Twitter, @brookemasters

Follow Claer on X, formerly Twitter, and Instagram @Claerb

Presented by Brooke Masters. Produced by Jake Harper. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Investment masterclass: Are bonds back?

Tue, 29 Aug 2023 04:00:28 GMT

Last year was one of the worst ever for the bond market. Fast forward to today and many people in finance say that despite the volatility, it is time for investors to get reacquainted with bonds. But what exactly are bonds, how do you go about investing in them and what are the risks? Brooke Masters, the FT’s US financial editor, stands in for Claer Barrett to discuss those questions and more with Edward Al-Hussainy, a senior analyst at Columbia Threadneedle Investments.

Want more? Click on these free-to-read FT articles:

Investors pile into bonds

Bonds are no longer the safe option

The appeal of longer bonds

How bonds ate the entire financial system

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

You can follow Brooke on X, formerly Twitter, @brookemasters

Follow Claer on X, formerly Twitter, and Instagram @Claerb

Presented by Brooke Masters. Produced by Jake Harper. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Money Clinic introduces Unhedged: Hot new bad idea

Tue, 22 Aug 2023 20:00:00 GMT

Zero day options are now almost 50 percent of the options market. But what are they? And why would anyone take these bets? Today on the show, host Ethan Wu and Alphaville’s Robin Wigglesworth discuss the latest way to gamble on the markets and address concerns that it all might blow up. Also we go short the Republican debate and long the Bloomberg terminal.

For a free 90-day trial to the Unhedged newsletter go to: https://www.ft.com/unhedgedoffer

Follow Claer Barret on Twitter and Instagram.

Hosted on Acast. See acast.com/privacy for more information.

Money Clinic introduces Unhedged: China slows down

Tue, 15 Aug 2023 20:00:00 GMT

China’s economy has been growing faster than almost any other for a generation, so a slowdown is unfamiliar territory. Today on the show we look at three indicators — the CPI, exports and property sales — and try to understand why growth in China is finally slowing, and what it means for the rest of the world. Also, we go short cable news and long Argentina as a perpetual lesson in economics.

For a free 90-day trial to the Unhedged newsletter go to: https://www.ft.com/unhedgedoffer

Follow Claer Barret on Twitter and Instagram.

Hosted on Acast. See acast.com/privacy for more information.

The high cost of being a wedding guest

Tue, 08 Aug 2023 04:00:22 GMT

Rob has been invited to nine weddings this year and it’s playing havoc with his finances! How can wedding guests approach the subject of money when the costs of travel, accommodation, hen dos, stag dos and suits are all totting up? Presenter Claer Barrett is joined in the studio by Alice Tapper, founder of Go Fund Yourself, and Hamish Shepherd, chief executive of wedding planning app Bridebook. They explore the latest trends in wedding planning, and share stories of the lengths to which people have gone to attend, or get out of, a wedding.

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner and Simon Panayi, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

The financial advice we'd give to Barbie

Tue, 01 Aug 2023 04:00:33 GMT

Barbie is a big spender and high earner, fast approaching the age of retirement. But after a long and varied career that has seen her build a portfolio of multiple dreamhouses and a low-commitment, long-distance relationship with casual boyfriend Ken, what financial advice should she be looking for? Presenter Claer Barrett is joined in the studio by wealth manager Christine Ross from Handelsbanken and FT personal finance columnist Moira O’Neill, who share their tips on everything from prenups to investing.

Want more?

Annuities look sexy again: should Barbie buy one at 64?

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem and how you would like us to help.

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Clips: Warner Bros

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Investment masterclass: WTF are ETFs?

Tue, 25 Jul 2023 04:00:49 GMT

Exchange traded funds or ETFs have been growing in popularity recently but as Money Clinic listener Saranya has found, there’s a bewildering array of different types of ETFs to choose from. Presenter Claer Barrett is joined in the studio by Dave Baxter, funds editor at the Investors’ Chronicle, and Lynn Hutchinson, head of ETF and index solutions at investment manager Charles Stanley. They unpick the many different types of ETFs, how to use them to build an investment portfolio and what to look out for in terms of fees.

Want more?

Top 50 ETFs 2023: The best ETFs to buy

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

This podcast has been corrected from an earlier version which gave the wrong calculation of an OCF charge.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Am I paying too much for insurance?

Tue, 18 Jul 2023 04:00:30 GMT

Are you an insurance addict? Listener Joss thinks he might be and wants to know what type of insurance he really needs and whether he's getting the best possible deal. Presenter Claer Barrett speaks to Dean Dunham, who presents the Friday night ‘Consumer Hour’ show on LBC Radio, and Sam Richardson, deputy editor of Which? Money, the magazine of the consumer campaign group. They share guidance on finding the right insurance cover for your needs, how to look out for overlapping policies and how to request compensation if you believe you have been missold insurance.

Find more advice on picking the right insurance on the Which? website.

Listen to Dean Dunham’s consumer show every Friday on LBC at 9pm.

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love and Laurence Knight. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Investment masterclass: Four ways to beat the market

Tue, 11 Jul 2023 04:00:41 GMT

Algy Hall has four strategies for seeking out stocks that will outperform the index, highlighted in his new book Four Ways to Beat the Market. They are: quality, value, income, and momentum. Each one homes in on a very different kind of company – from the undisputed champion to the comeback kid, and from the slow-but-steady to the on-a-roll. Presenter Claer Barrett gets Algy to explain the thinking behind each strategy. The two also reminisce about their time working together as financial journalists at the Investors' Chronicle, and Algy reveals his unusual polymathic side-gig.

Find out more about Algy’s book Four Ways to Beat the Market here

You can listen to the previous Investment Masterclass with Lord John Lee, which Claer mentions in this week’s episode, here.

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Laurence Knight and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Should you top up your National Insurance?

Tue, 04 Jul 2023 04:00:21 GMT

The government has just extended the deadline to April 2025 for people to top up their National Insurance contributions. For many people approaching retirement, especially women, it offers a fantastic opportunity for them to increase their state pension by thousands of pounds by paying in only a few extra hundred. As you can imagine, the demand is huge, and has jammed the government pensions hotline. Money Clinic host Claer Barrett speaks to Sir Steve Webb, the former pensions minister and now a partner at consultancy Lane Clark & Peacock. He fields questions from FT readers and listeners about who should apply (and who should not), how to apply, and what kind of a deal to expect.

The episode features a clip from the Martin Lewis Podcast on BBC Radio 5 Live.

Want more?

Deadline to plug UK state pension gap extended until April 2025

Find out more about voluntary National Insurance contributions

See your State Pension forecast and find any gaps in your National Insurance record

Check your State Pension age

If you live or plan to retire abroad, click here for the the UK’s International Pension Centre

If you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

Say hello on social media: you can follow Claer on Twitter and Instagram @Claerb, and Claer’s guest Sir Steve Webb is @stevewebb1

Presented by Claer Barrett. Produced by Laurence Knight. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Mortgage help: your questions answered

Tue, 27 Jun 2023 04:00:37 GMT

The 13th interest rate rise in a row has piled on the pain for many homeowners. Money Clinic host Claer Barrett has assembled a team of experts to talk through the options for managing the hit on overstretched wallets. Sarah Pennells, consumer finance specialist at Royal London, Adrian Anderson of mortgage brokers Anderson and Harris, and the FT’s Chris Giles offer analysis, strategies and solutions.

Want more?

Banks must play fair as mortgage rates rise

Q&A: What should I do about my mortgage?

For details on the latest government support for mortgage holders see here

Mentioned by Claer in the podcast: https://debtcamel.co.uk

If you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

Say hello on social media: You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Simon Panayi, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

When trading crypto becomes an addiction

Tue, 20 Jun 2023 04:00:03 GMT

There’s a live debate in the UK over whether regulation of crypto trading should come under the scope of financial services or be treated like gambling. The FT’s digital assets correspondent Scott Chipolina and our producer Persis Love report from Castle Craig in Scotland, a rehab centre where people are being treated for crypto addiction. Plus presenter Claer Barrett and Scott Chipolina discuss what different regulation would mean for crypto investors.

If you’ve been affected by a crypto or gambling addiction, reach out to GamCare for help.

Want more?

‘There needs to be a health warning’: How crypto trading can lead to addiction by Scott Chipolina and Oliver Barnes

Don’t treat crypto like gambling – even if it’s largely pointless by Helen Thomas

Our weekly Crypto newsletter, written by Scott, is designed to keep you informed and up to date on all the developments in this fast-moving space. This newsletter is for Premium subscribers, who can sign up here. To upgrade from Standard to Premium, click here.

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Hosted on Acast. See acast.com/privacy for more information.

Introducing Unhedged

Wed, 14 Jun 2023 04:00:44 GMT

Introducing Unhedged, a new podcast from the FT. Ethan Wu, Katie Martin and other markets nerds at the Financial Times explain the big ideas behind what’s happening in finance right now. Every Tuesday and Thursday. Subscribe wherever you get your podcasts.

Hosted on Acast. See acast.com/privacy for more information.

How an ISA millionaire chooses stocks

Tue, 13 Jun 2023 04:00:04 GMT

Lord John Lee of Trafford was the first person in the UK to reach £1mn invested in his stocks and shares ISA. He has a clear strategy based around choosing UK smallcap companies that pay dividends. He tells presenter Claer Barrett why this is his investment strategy and how he chooses stocks.

Want more?

My Isa has suffered - but I’m still a firm believer

‘I’m 22 and I earn more than my parents’

What should I do with my cash savings?

Click here for tickets to the Investor's Chronicle Future of Private Investing event on Thursday June 15 where you can hear John Lee, Claer Barrett and many others talking about the big stories in the world of investing.

If you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

Say hello on social media: you can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Best of Money Clinic: Investment Masterclass: Stuart Kirk has ‘skin in the game’

Tue, 06 Jun 2023 04:00:39 GMT

Former asset manager Stuart Kirk writes about investing for FT Weekend in a column where he shares both his investment successes and failures with readers. He tells host Claer Barrett what he’s investing in now, how he chooses stocks, why he isn’t keen on funds that follow a particular theme and what he thinks needs to change in the world of ESG or sustainable investing.

Want more?

Being honest about my portfolio’s performance

Active management is a sham — no wonder my returns are suspect

Sectors make sense for investors, not themes

If you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

Say hello on social media: You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Investment masterclass: Should women plan differently for their retirement?

Tue, 30 May 2023 04:00:42 GMT

Brooke Masters, the FT's US financial editor, speaks to Anne Ackerley, managing director of the Retirement Group at BlackRock, one of the world’s largest investment companies. Anne spends her days thinking about how to make good retirement plans accessible to more people. Lately, that has included focusing on one particular problem: the differences between men and women when it comes to retirement planning. Anne tells Brooke about the challenges faced not just by women but also gig economy workers and others who have non-standard employment patterns.

If you would like to talk to the FT’s consumer editor Claer Barrett about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

You can follow Claer on Twitter and Instagram @Claerb

Follow Brooke Masters on Twitter @brookeamasters

Presented by Brooke Masters. Produced by Zach St Louis. The executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

What should I do with my cash savings?

Tue, 23 May 2023 04:00:10 GMT

With inflation running higher than the interest rates provided by most banks, cash accounts can rapidly lose value. What does that mean for emergency savings funds? Brooke Masters, the FT’s US financial editor, speaks to investing columnist Moira O'Neill, and Georgia Lee Hussey, founder of wealth management company Modernist Financial, about how much savings to have in cash and where to keep it - both in the UK and the US.

Want more?

Keep up with the latest from Brooke on FT.com and follow her on Twitter @brookeamasters

https://www.ft.com/brooke-masters?segmentId=09d1c097-c0ef-7dd1-2d95-bfc6eb43e74e

Check out Moira’a latest column here

https://www.ft.com/content/e04ddbf1-bf9c-490c-94ac-657743d55c25?segmentId=09d1c097-c0ef-7dd1-2d95-bfc6eb43e74e

For more from Georgia, check out the Modernist Financial website

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Best of Money Clinic: Help! What should I do with my mortgage?

Tue, 16 May 2023 04:00:35 GMT

The Bank of England has lifted its main interest rate by a quarter of a percentage point to 4.5 per cent, the 12th consecutive rise since December 2021. But if interest rates are going up, why are some mortgage lenders putting their rates down? Presenter Claer Barrett is joined in the studio by Chris Giles, the FT’s economics editor and Andrew Montlake, chief executive of Mortgage Broker Coreco. They explain how the uncertain outlook for base rates is affecting mortgages, the pros and cons of fixed rate and variable rate mortgages and what mortgage rates are available at the moment.

NB: This episode is a repeat of a Money Clinic that ran on March 28th this year, days after the last Bank of England rate rise.

Want more?

Read Claer’s column about mortgage rates here

Check out a related, previous episode of Money Clinic: Interest rates, bank crises and your money

We'd love to hear from you. Please help us by filling in our listener survey at ft.com/moneyclinicsurvey. It will take you about 10 minutes to complete and you will be in with a chance to win a pair of Bose QuietComfort Earbuds!

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Hacking your bills

Tue, 09 May 2023 04:00:21 GMT

It’s getting harder to keep up with the cost of essentials such as water, energy and internet. FT reporter Leah Quinn speaks to 26-year-old renter Conor, who explains what he has been paying over the past few months and which bills are starting to add up. Host Claer Barrett is on hand with tips and advice on everything from whether you should get a water metre installed to whether energy bills will go down later this year.

Useful links:

How to get a smart metre

Find out if you’re entitled to the new government energy scheme

Money Saving Expert guide to council tax bands

Ofcom social tariffs and speeds

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

What they don’t teach you about money

Tue, 02 May 2023 04:00:18 GMT

Does sorting out your personal finances fill you with anxiety and trepidation? What can you learn from your money mistakes? Money Clinic host Claer Barrett, and Isabel Berwick, host of the FT’s work and careers podcast, Working It, answer listeners’ questions in this special episode, taken from a webinar made in conjunction with the FT’s financial literacy charity, FLIC.

Want more?

The first lesson for female financial education? Money is power

How to ask for a pay rise - and when to give one

Isa season this year is a stampede

Find out more about FLIC here

You can follow Claer on Twitter and Instagram @Claerb

Follow Isabel Berwick on LinkedIn

FT subscriber? Sign up for the weekly Working It newsletter with one click here. We cover all things workplace and management — plus exclusive reporting on trends, tips and what’s coming next. What do you like (or not)? What topics should we tackle? Email the team at workingit@ft.com or Isabel directly at isabel.berwick@ft.com

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help

Presented by Claer Barrett. Produced by Persis Love and Audrey Tinline. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

When to get a financial adviser, and how to choose the right one

Tue, 25 Apr 2023 04:00:09 GMT

How do you know if you need a financial adviser, how do you go about finding one and how do you know you’re getting value for money? Presenter Claer Barrett guides 22-year-old Laureen, who works for a bank, through the many forms of professional financial advice, and sources expert tips from Financial Times columnist Moira O’Neill and Sally Hickey, chief reporter at FT Adviser, our specialist publication for financial advisers.

Want more?

Clear’s latest column: The dash for cash savings is a new experience for many UK customers

Moira’s recent column: Isas: time to take cover from tax

Follow Sally @hickles and Moira @moiraoneill on Twitter. You can follow Claer on Twitter and Instagram @Claerb

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Money and relationships: a crash course

Tue, 18 Apr 2023 04:00:21 GMT

Aligning our love lives and our financial lives is not always easy. Presenter Claer Barrett sources advice from Dr Nicola Sharp-Jeffs, founder of Surviving Economic Abuse, Tobi Asare from My Bump Pay, and Davinia Tomlinson, founder of Rainchq and author of Cash is Queen, on everything from talking about money in a relationship, the single tax, spotting the signs of financial abuse and planning for a baby.

This episode is taken from a recording of an event Claer hosted in partnership with FLIC, the FT’s financial literacy charity.

Want more?

Flying solo with your finances: managing money as a single person

Mind the gap! What women need to know about investing

Childcare in the UK: ‘Dysfunctional, unaffordable, inaccessible’

‘I was a victim of financial abuse’

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @Claerb. Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Investment masterclass: how to keep it simple

Tue, 11 Apr 2023 04:00:08 GMT

Simran Kaur thinks the stock market is a lot more straightforward than it is made out to be. The 26-year-old is the founder of Girls That Invest, an investing community and podcast that she set up with her best friend Sonya Gupthan when they realised that, as women of colour, there were not many people who looked like them in the financial world.

Presenter Claer Barrett sources her tips on getting started as an investor, how to balance your portfolio and when to have a portfolio review.

Check out the Girls That Invest website here

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Investment masterclass: ‘Money is basically a fiction’

Tue, 04 Apr 2023 04:00:31 GMT

How does the global monetary system work and what should investors bear in mind about it? Professional investor Rob Dix had been investing for years before he set out to understand the mechanisms behind his money. Why do we have inflation? Why do central banks increase interest rates? Will this monetary system last? Dix shares his view on the financial world with presenter Claer Barrett, plus she asks what rules he follows with his own investments.

Rob Dix is author of The Price of Money: How to Prosper in a Financial World that’s Rigged Against You

We'd love to hear from you. Please help us by filling in our listener survey at ft.com/moneyclinicsurvey. It will take you about 10 minutes to complete and you can have a chance to win a pair of Bose QuietComfort Earbuds.

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Help! What should I do with my mortgage?

Tue, 28 Mar 2023 04:00:00 GMT

The Bank of England raised its key base rate to 4.25 per cent last week, its highest level in 14 years. But if interest rates are going up, why are some mortgage lenders putting their rates down? Presenter Claer Barrett is joined in the studio by Chris Giles, the FT’s economics editor and Andrew Montlake, chief executive of Mortgage Broker Coreco. They explain how the uncertain outlook for base rates is affecting mortgages, the pros and cons of fixed rate and variable rate mortgages and what mortgage rates are available at the moment.

Want more?

Read Claer’s latest column about mortgage rates here

Check out last week’s Money Clinic: Interest rates, bank crises and your money

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music.

Clips: Bloomberg

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Interest rates, bank crises and your money

Tue, 21 Mar 2023 05:00:52 GMT

What does a week of turmoil in the banking sector - with the collapse of California’s Silicon Valley Bank and the Swiss state-backed rescue of Credit Suisse - tell us about what central banks will do next with interest rates? And what does it all mean for your money and investments? Host Claer Barrett hears from Financial Times markets editor Katie Martin, and author of the FT’s Unhedged newsletter Ethan Wu.

Want more?

Are banks on the edge of another 2008-style precipice?

Central banks announce dollar liquidity measures to ease banking crisis

Banking turmoil intensifies the need for better Federal Reserve policymaking

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Clips: BBC, CNN, CNBC, Bloomberg TV, ABC News

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

What they don’t teach you about money

Tue, 14 Mar 2023 05:00:00 GMT

What should you be thinking about for your finances when you are just about to enter the adult world? In today’s episode Claer Barrett meets four sixth-form students Demi, Patrick, Lucinda and Loisse-Lhana, who are trying to figure out how to manage their money as they get ready to leave school. Claer answers their questions about investing, saving and how to budget so that your earnings last the month.

Want more?

What They Don't Teach You About Money: Habits to Get You Unstuck and on the Road to Financial Freedom by Claer Barrett is in bookshops from March 16.

Got questions for Claer? Join the FT Live webinar on April 21 where she’ll be discussing her book.

Read Claer’s latest column The first lesson for female financial education? Money is power

Thanks to Cardinal Wiseman Catholic School, Cardinal Vaughan Memorial School and Nationwide Building Society.

If you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

Say hello on social media: You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner and Jake Fielding, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

How to financially survive a divorce

Tue, 07 Mar 2023 05:00:31 GMT

Divorce inquiries tend to peak in the first few months of a new year, so in this episode presenter Claer Barrett, the FT’s consumer editor, sources expert advice on how to manage your costs and finances through a legal separation. Listeners Jane and Tina recount their stories - and what they wished they had known at the start of the process - and Claer speaks to Brett Frankle from the law firm Withers as well as financial planner Tamsin Caine of Smart Divorce about how to ensure your finances survive a divorce.

Links to organisations mentioned in the episode:

https://resolution.org.uk/

https://www.judiciary.uk/family-justice-council/

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

‘Cash stuffing’: is cash making a comeback?

Tue, 28 Feb 2023 05:00:23 GMT

It’s called the ‘cash stuffing’ or ‘cash envelope’ method: separating your money into different envelopes of cash to control your spending. Host Claer Barrett speaks to ‘cash stuffer’ Euphemia Senna, better known on TikTok as She’s On a Budget, about the pros and cons of budgeting this way (and the digital equivalent). She also goes inside the Bank of England, the UK’s central bank, to speak to its chief cashier Sarah John about why there are record levels of banknotes in circulation. Is there any evidence that people are turning their back on digital payments and that cash stuffing is on the rise amid the cost of living crisis?

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Investment Masterclass: Stuart Kirk has ‘skin in the game’

Tue, 21 Feb 2023 05:00:23 GMT

Want more?

Being honest about my portfolio’s performance https://www.ft.com/content/91e59c79-1275-49c3-986c-f1c6778ecfa5

Sectors make sense for investors, not themes https://www.ft.com/content/19a0a68f-c3fd-4267-96a7-f2698b38b19e

If you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

Say hello on social media: You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Money Clinic meets: A bank CEO’s view of the cost of living crisis

Tue, 14 Feb 2023 05:00:34 GMT

Chris Pitt, chief executive of First Direct, the UK’s first ever telephone bank, tells presenter Claer Barrett why banks should be doing more to help customers through the cost of living crisis, and shares his own tips on saving and investing.

We'd love to hear from you. Please help us by filling in our listener survey at ft.com/moneyclinicsurvey. It will take you around 10 minutes to complete and you will be in with a chance to win a pair of Bose QuietComfort earbuds!

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

What higher interest rates mean for your money

Tue, 07 Feb 2023 05:00:47 GMT

The Bank of England has raised its key interest rate to 4 per cent, the highest level the UK has seen since the 2008 financial crisis. Presenter Claer Barrett is joined by Helen Saxon, deputy editor of Money Saving Expert, James Pickford, deputy editor of FT Money, and Katie Martin, the FT’s markets editor, to discuss how you can best navigate those higher rates with your savings, mortgages and investments.

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

‘I was a victim of financial abuse’

Tue, 31 Jan 2023 05:00:11 GMT

One in six women in the UK has experienced financial abuse in a relationship. That’s according to charity Surviving Economic Abuse. Anyone can become a victim, as Sarah Coles, senior personal finance analyst at Hargreaves Lansdown, found out. She tells presenter Claer Barrett about her experience of surviving an economically abusive relationship. Claer also hears from another victim, Francesca, and sources advice on recognising and escaping financial abuse from Dr Nicola Sharp-Jeffs OBE, founder and CEO of Surviving Economic Abuse

Useful links:

The Surviving Economic Abuse website is packed with useful resources, helplines you can call and information on what to do if you or someone you know is in a financially abusive relationship.

For domestic abuse, you can call the freephone National Domestic Abuse Helpline, run by Refuge on 0808 2000 247. If you are in immediate danger, please call the police on 999. For mental health support, you can speak to the Samaritans on 116 123.

We'd love to hear from you. Please help us by filling in our listener survey at ft.com/moneyclinicsurvey. It will take you around 10 minutes to complete and you will be in with a chance to win a pair of Bose QuietComfort Earbuds!

If you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

Say hello on social media: You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Best of Money Clinic: Investment masterclass — the cheapest way to invest

Tue, 24 Jan 2023 05:00:47 GMT

Best of Money Clinic: Against the backdrop of market turbulence, investors Jonathan Hollow and Robin Powell explain why they believe investing in broad-based index funds is the cheapest way to increase long-term wealth. This investment masterclass breaks investing down into six simple steps, with tips for those just getting started and those further along their investment journey.

If you would like to be a future guest on Money Clinic, email the team via money@ft.com or send Claer a DM on social media - she’s @Claerb on Twitter, Instagram and TikTok. How to Fund the Life You Want: What everyone needs to know about savings, pensions and investments by Robin Powell and Jonathan Hollow is out now.

Want more?

Why do we still bother with active funds? https://www.ft.com/content/c2e9abd0-0edd-4805-b1ab-d55b661c24de

Passive investing has increased US stock volatility, study finds https://www.ft.com/content/818f9e83-52a8-4170-a148-80f9d9139809

We'd love to hear from you. What do you like (or not)? What topics should we tackle? Please help us by filling in our listener survey at ft.com/moneyclinicsurvey It will take you around 10 minutes to complete and you will be in with a chance to win a pair of Bose QuietComfort Earbuds!*

Your personal information will be processed in accordance with the FT's privacy policy. If you have any queries about the survey please let us know at customer.research@ft.com.

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

How do I choose a stocks and shares ISA?

Tue, 17 Jan 2023 05:00:30 GMT

Thirty-year-old Henrietta wants to start investing but has found herself lost in the small print of stocks and shares ISAs. How to choose the right one? Which fee structure is right for the amount she is investing? And should she go for passive or active investing? Presenter Claer Barrett is joined in the studio by FT personal finance and investing columnists Moira O’Neill and Jason Butler to discuss everything new investors need to know about opening a stocks and shares ISA.

Want more?

For more about passive vs active investing, listen to Money Clinic investment masterclass The cheapest way to invest

Still sorting out your new year’s finances? Check out Claer’s column Five financial new years resolutions for 2023

You can follow Moira @moironeill on Twitter, and check out her column Where to park a lump sum if you’ve got a bit of money you are looking to put somewhere.

Jason’s Twitter is @jbthewealthman, and his latest column Are you heading for a financial car crash? is available on FT.com

Money Clinic would like to hear from you. If you have an episode idea or want to get in touch, please email us at money@FT.com or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Young, gifted and broke — navigating the cost of living crisis

Tue, 10 Jan 2023 05:00:02 GMT

How to invest when you’re cash-strapped? What to do if you think your landlord is unfairly demanding more rent? Could moving out of the city save money? Host Claer Barrett and a panel of personal finance experts field questions at the ‘Young, Gifted and Broke: how to navigate the cost of living crisis’ event, organised by the FT Financial Literacy and Inclusion Campaign. With expert tips on renting, investing and budgeting from Margot de Broglie, founder of Your Juno app, Dan Wilson Craw, deputy director at Generation Rent, Timi Merriman-Johnson aka Mr MoneyJar, and Jason Butler, FT columnist and former financial advisor.

For more free money-mastering resources, check out FT Flic or watch the full recording back here.

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

What will 2023 bring for your investments?

Tue, 03 Jan 2023 05:00:24 GMT

The past 12 months have not been kind to investors — but will the going get rougher or smoother in the year ahead? Presenter Claer Barrett hears from three of the FT’s most experienced investment writers who pass on tips on how to handle volatility, what’s driving change in the markets and where they think the best opportunities could lie in 2023. With Rob Armstrong, the FT’s US financial correspondent and author of the Unhedged newsletter, Stuart Kirk, the FT’s new Skin in the Game columnist, and Rosie Carr, editor of Investors Chronicle.

Please note that Money Clinic is a general discussion around financial topics and does not constitute an investment recommendation or individual financial advice. For that, you’ll need to find an independent financial advisor. If you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

Say hello on social media: You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

New year, new finances: resolutions for 2023

Tue, 27 Dec 2022 05:00:11 GMT

The new year is a perfect time to rethink and reorganise your financial affairs but where should you start? Host Claer Barrett is joined by Iona Bain of Young Money blog, financial educator Timi Merriman-Johnson, aka Mr Money Jar, and Sara Williams of the Debt Camel. They discuss their own new year’s resolutions, whether it’s worth overpaying on your mortgage as interest rates are set to rise, and why paying more into your pension could be a good idea. Plus, advice on how to keep to your new year’s financial goals.

Money Clinic is keen to hear from listeners and readers. If you would like to get in touch, please email us at money@FT.com or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok.

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Best of: Money Clinic meets Joe Lycett, comedian and consumer champion

Tue, 20 Dec 2022 05:00:06 GMT

How does one of the UK’s most popular comedians handle his money and investments? In a repeat of one of Money Clinic’s most popular episodes, host Claer Barrett interviews Joe Lycett, the consumer campaigner and TV comedian. Joe shares his own personal money story - including his charity shop thrifting, ESG investments and money rules - and explains why he campaigns on consumer issues.

If you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

Say hello on social media: You can follow Claer on Twitter and Instagram @Claerb

You can follow Joe Lycett on Twitter and Instagram @JoeLycett and FT Money on Twitter @FTMoney

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

The crypto winter: will my investments ever recover?

Tue, 13 Dec 2022 05:00:00 GMT

More than a million crypto investors around the world stand to be wiped out by the collapse of crypto exchange FTX. Presenter Claer Barrett is joined by Scott Chipolina, the FT’s digital assets correspondent, and Rob Armstrong, the FT’s US financial commentator, to discuss what the collapse means for the future of crypto. What should people still holding crypto investments do? Will crypto recover? What role should regulators play? And is there a way of keeping your crypto investments safe?

Want more?

Bahamas reels from FTX collapse: ‘Crypto was going to be our way out’

More from Scott Chipolina and the FT’s cryptofinance newsletter

More from from Rob Armstrong on crypto regulation: The SEC should not touch crypto

More from Rob Armstrong and his Unhedged newsletter

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Clips: BBC, CBS

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

The ultimate tax return guide, revisited

Tue, 06 Dec 2022 05:00:27 GMT

With more than 10mn people in the UK set to file their tax returns by January 31, are you dreading the annual nightmare - or have you already got it licked? This week presenter Claer Barrett revisits Money Clinic’s tax return guide from last year, with guests Jacquetta Brown, tax specialist at HMRC, and chartered accountant Deborah Edwards, who runs the money mentoring programme Raised Up Finance. They discuss how much extra income you need to earn before you have to submit a return, how apps can make the whole process easier, and whether it pays to get an accountant. Plus, how freelancers can legitimately reduce their bills by claiming tax-deductible expenses, or negotiate extra time to pay.

If you would like to be a guest on the show, email the podcast team money@ft.com or follow Claer on Twitter and Instagram @Claerb.

You can follow Deborah on Instagram @raisedup.finance

Want more?

For more about using salary sacrifice to legitimately reduce your tax bills, check out this free-to-read FT piece from Claer: https://www.ft.com/content/ff8021b9-7847-4ef5-9f20-abb2ea2d6d93

And if you’re looking for more tips about running a freelance business, this free-to-read piece has plenty of them: https://www.ft.com/content/3462f359-8a1d-4a1e-9098-a14bded3f00d

To check out the HMRC YouTube channel, click here

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

‘The dopamine is so high’: the psychology of shopping addiction

Tue, 29 Nov 2022 05:00:03 GMT

Thirty-year-old Brooke struggles with a shopping addiction and feels as if no one is taking it seriously. With thousands of dollars of credit card debt spent at thrift stores and bargain clothes sales, shopping is an obsession that leaves her both mentally and financially exhausted. Presenter Claer Barrett speaks to financial therapist Amanda Clayman, and addiction specialist Pamela Roberts about why people get addicted to shopping, and what they can do to break the cycle.

You can find Amanda Clayman through her website or follow her on Instagram. Pamela Roberts works for addiction and recovery hospital the Priory Group, and her personal website is here.

Pamela has recommended the following resources for anyone struggling with a shopping addiction:

Counselling Directory UK

Addiction Counselling Psychology Today

Addiction Professionals

Spenders Anonymous

Spent: Break the Buying Obsession and Discover Your True Worth by Sally Palaian

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Autumn Statement digested: taxing times

Tue, 22 Nov 2022 05:00:22 GMT

UK chancellor Jeremy Hunt’s Autumn Budget Statement spelled out gloomy times ahead for the UK economy, but what does it mean for your money? Host Claer Barrett, the FT’s consumer editor, is joined by political editor George Parker and Chris Giles, economics editor, to discuss taxes, energy bills, mortgages rates and why this Budget will squeeze the finances of lower and middle earners. Plus, why were young people left out of the new Budget plans?

Want more?

Votes for rents as Autumn Statement squeezes younger workers

Jeremy Hunt offers no jam today and none tomorrow

The FT’s quick guide to the autumn statement

A dismal outlook for the UK economy

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Should I pay off my student loan early?

Tue, 15 Nov 2022 05:00:38 GMT

Should you overpay on your student loan to try and beat rising interest rates? Or are you better off putting your hard-earned salary towards other things? Presenter Claer Barrett hears from recent graduate James who is struggling with these very questions, and speaks to Ben Waltmann, research economist at the Institute for Fiscal Studies. Ben explains how student loan repayments work and what the statistics tell us about repayments. Plus, FT columnist and former financial adviser Jason Butler gives his view on how graduates should approach their loans as part of a long-term financial plan.

Want more?

Student loans: should the bank of mum and dad step in?

Don’t raise more hurdles to university entrance

Economic distress lifts stigma of discussing money troubles

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner and Jan Sigsworth, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Childcare in the UK: 'Dysfunctional, unaffordable, inaccessible'

Tue, 08 Nov 2022 05:00:01 GMT

Childcare in the UK is among the most expensive in the world, with parents spending an average of two thirds of their salary on nursery costs for children under two. Host Claer Barrett speaks to Joeli Brealey, author and founder of campaign group Pregnant then Screwed, about why the UK childcare system is in crisis. She also hears from Megan Jarvie, the head of Coram Family and Childcare, about how to navigate a complicated system of government support for families with young children. Plus, mother Jess tells Claer how unaffordable nursery costs pushed her out of full-time work..

Money Clinic is keen to hear from listeners. If you would like to get in touch, please email us at money@FT.com or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok.

Want more?

England’s childcare in crisis as costs rise and staff leave https://www.ft.com/content/f07886fa-becc-4491-88e0-dbfe2c07c225

What’s driving the rich world’s falling fertility? https://www.ft.com/content/2f90b924-3122-4548-85fa-4c5a775c2cae

Childcare: female-led social enterprises tackle dysfunctional system https://www.ft.com/content/d576fedd-6577-4c4c-98ac-f3c73fcf6346

Joeli Brearley and Pregnant then Screwed can be found at https://pregnantthenscrewed.com/

Further details on childcare options in Scotland, Wales and Northern Ireland, can be found here: https://www.familyandchildcaretrust.org/help-your-childcare-costs

To download the FT Edit app, click here https://apps.apple.com/app/apple-store/id1574510369?pt=246269&ct=FT-E-22Q4-HAD-AD-US-Anon&mt=8

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

High interest rates? Time to get saving

Tue, 01 Nov 2022 05:00:38 GMT

How can you make the most of your savings at a time when inflation is eating into the value of your cash? Host Claer Barrett, the FT’s consumer editor, speaks to Iona Bain, personal finance writer and author, and Sarah Coles, senior personal finance analyst at Hargreaves Lansdown, and sources, for practical advice about how to get the best interest rates on your savings and how to use savings to achieve your financial goals. Plus, should you use your cash savings to overpay your mortgage?

If you would like to be a future guest on Money Clinic, email the team via money@ft.com or send Claer a DM on social media — she’s @Claerb on Twitter, Instagram and TikTok.

Iona Bain can be found at https://www.youngmoneyblog.co.uk/

Sarah Coles is on Twitter @sarahecoles

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Should I be worried about my pension?

Tue, 25 Oct 2022 04:00:16 GMT

Pension funds have been the focus of some worrying news over the past few weeks. But don’t panic! Money Clinic host Claer Barrett is joined by the FT’s global pensions correspondent, Josephine Cumbo, and chartered financial planner David Hearne to explain what’s going on, and to offer some reassurance. Whatever type of retirement fund you have, this episode is packed with information to help you understand your pension better.

If you would like to be a future guest on Money Clinic, email the team via money@ft.com or send Claer a DM on social media - she’s @Claerb on Twitter, Instagram and TikTok.

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Investment Masterclass: the cheapest way to invest

Tue, 18 Oct 2022 03:00:00 GMT

Against the backdrop of market turbulence, investors Jonathan Hollow and Robin Powell explain why they believe investing in broad-based index funds is the cheapest way to increase long-term wealth. This investment masterclass breaks investing down into six simple steps, with tips for those just getting started and those further along their investment journey.

If you would like to be a future guest on Money Clinic, email the team via money@ft.com or send Claer a DM on social media - she’s @Claerb on Twitter, Instagram and TikTok.

How to Fund the Life You Want: What everyone needs to know about savings, pensions and investments by Robin Powell and Jonathan Hollow is out now.

Want more?

Why do we still bother with active funds? https://www.ft.com/content/c2e9abd0-0edd-4805-b1ab-d55b661c24de

Passive investing has increased US stock volatility, study finds https://www.ft.com/content/818f9e83-52a8-4170-a148-80f9d9139809

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Mind the gap! What women need to know about investing

Tue, 11 Oct 2022 04:00:10 GMT

When former banker Emilie Bellet discovered that an average woman in her twenties would have to work 37 years longer than her male counterparts to accumulate the same pension wealth, she thought it was time to do something about it.

She launched Vestpod seven years ago with the ambition of empowering 1mn women financially. In this Money Clinic Investment Masterclass, Emilie talks to host Claer Barrett, the FT’s consumer editor, about how to get started investing, when to start saving for a pension and why some of the myths around women investors are just that.

Vestpod is focused on women, but the episode is packed with useful tips for all budding savers and investors.

You can listen to Emilie’s podcast, The Wallet, here: https://podcasts.apple.com/gb/podcast/the-wallet/id1520695849

And follow her on Instagram here: https://www.instagram.com/vestpod/

And if you’re interested in becoming a member of the Vestpod community, check out the website: https://www.vestpod.com/

For tips and strategies for investing during market volatility, listen to our previous Money Clinic episode: https://www.ft.com/content/fb93bdbe-957f-4e50-97f5-840d800ddbeb

If you would like to be a future guest on Money Clinic, email the team via money@ft.com or send Claer a DM on social media - she’s @Claerb on Twitter, Instagram and TikTok.

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Help! What should I do about my mortgage?

Mon, 03 Oct 2022 09:01:07 GMT

What does this mortgage tumult mean for individuals? Will borrowers be able to remortgage? How high could rates go? Will there be a property crash? In this special episode of Money Clinic, host Claer Barrett, the FT’s consumer affairs editor, puts listeners’ and readers’ questions to Andrew Montlake, managing director of mortgage broker Coreco, and James Pickford, deputy editor of FT Money.

Please note: This is an updated, corrected edition of an earlier version of the podcast which contained incorrect figures on the interest rate mechanism for Help To Buy properties.

Want more? Check out our online mortgage Q&A: https://www.ft.com/content/6dd96b0e-6b39-492e-9040-4f4b4d247a84

You can find Andrew Montlake on Twitter, @montysblog, and James Pickford @MrJamesPickford

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Hosted on Acast. See acast.com/privacy for more information.

The mini-budget’s maxi impact: what it means for your money

Mon, 26 Sep 2022 15:22:53 GMT

UK Chancellor Kwasi Kwarteng’s mini-budget includes what he claims are the biggest tax cuts in a generation. He’s hailing it as a new era for the UK economy and a way of kick starting growth, but what does this mini-budget mean for your wallet? Who gains and who loses out? Host Claer Barret unpicks the details with George Parker, the FT’s political editor, and Mary McDougall, the FT’s acting tax correspondent.

Want more?

A mini-budget for those on maxi incomes https://www.ft.com/content/cdbf7a95-8ddf-48df-a9fc-8e40100caac7

Traders bet on emergency UK interest rate rise https://www.ft.com/content/c7f815b6-e7f2-43d2-b160-b7b3182e63b4

Kwarteng’s ideological approach will leave the Treasury with ‘no money’ https://www.ft.com/content/53709418-7ed6-4b10-b6b0-b2e2d5b77683

Kwasi Kwarteng vows to stick with tax cuts despite investor jitters https://www.ft.com/content/5b9d1f87-dc78-4626-bb08-507561c6176a

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Hosted on Acast. See acast.com/privacy for more information.

How to keep your food bill down: cooking hacks

Tue, 20 Sep 2022 04:00:24 GMT

How much does the way you cook your meals affect how much you are spending? Host Claer Barrett speaks to Suzanne Mulholland, aka The Batch Lady, about how batch cooking can save both time and money. Plus, Archie Lasseter, sustainability lead at energy company Utilita, reveals which kitchen appliances are the most energy- and cost-efficient. How much could switching from oven cooking to an air fryer save?

You can find The Batch Lady and many of her recipes on instagram @thebatchlady or on her website https://thebatchlady.com/

Don’t forget to check out last week’s episode about how to keep the cost of your food shop down: https://www.ft.com/content/6dc26bb8-55a1-4176-ba15-58cddf73bda0

And if you would like to get in touch with us about your experiences of renting property, please email us at money@FT.com or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok.

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Hosted on Acast. See acast.com/privacy for more information.

How to keep your food bill down: supermarket hacks

Tue, 13 Sep 2022 04:00:48 GMT

Claer Barrett takes to the supermarket aisles to find the best tips for keeping the cost of the weekly food shop to a minimum. She hears from Laura Gaga aka Reduction Raider on how and where to find bargains, while Richard Walker, managing director of Iceland supermarkets, explains why his chain has introduced interest-free buy-now-pay-later loans for struggling customers.

Follow Laura Gaga on instagram @reduction_raider1

And if you would like to get in touch with us about your experiences of renting property, please email us at money@FT.com or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok.

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Hosted on Acast. See acast.com/privacy for more information.

Best of Money Clinic: Investment Masterclass with the Naked Trader

Tue, 06 Sep 2022 04:00:48 GMT

Forget about being a day trader, you need to let the money come in slowly and take a serious, business-like approach if you want to succeed - that’s the advice of Robbie Burns, better known as the Naked Trader. In this repeat of a popular Money Clinic Investment Masterclass from last year, Robbie gives host Claer Barrett his top tips about trading, still relevant now amid uncertain financial and economic times.

Want more?

Here is Robbie’s Naked Trader site

Listen to our previous episode about the advantages of tax free Isas

If you want to get started in investing, listen to this episode

Claer’s free-to-read column about day trading

Presented by Claer Barrett. Produced by Persis Love. Sound design is by Breen Turner, with original music from Metaphor Music

Hosted on Acast. See acast.com/privacy for more information.

Best of Money Clinic: Flying solo with your finances: managing money as a single person

Tue, 30 Aug 2022 04:00:02 GMT

How to match your money to your relationship status. Nearly one in four of us live on our own, but dealing with the financial and emotional strain of handling everything by yourself can be difficult. Jenny, 27, from Leeds, is being hit by the ‘single penalty’ and is exhausted trying to find everyday ways to save money. She’s looking for tips on investing in the stock market, whether to try to buy or stay renting and how to ease the worries that come with financial independence. In this Money Clinic episode, Claer is joined by ‘Alonement’ guru Francesca Specter who champions the single life and Iona Bain, a personal finance author and founder of the Young Money blog. Follow them on social media @ClaerB @chezspecter @ionajbain

Further reading:

Here is Francesca Specter’s Alonement site: https://www.alonement.com/

Iona Bain’s Young Money blog: https://www.youngmoneyblog.co.uk/

Listen to our previous episode about budgeting: https://www.ft.com/content/962982cf-8d63-4d01-bcf1-8304983e8e05

If you want to get started in investing, listen to this episode: https://open.spotify.com/episode/3vrvbPLIxReR2ACvgH9q6t?si=WAdkHgdwRlKlLoXa9bAOGg&dl_branch=1

A free-to-read column about the costs of dating: https://www.ft.com/content/222445d5-ba61-4161-a900-ed2b7d74dab2

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music

Hosted on Acast. See acast.com/privacy for more information.

Introducing: 'A sceptic's guide to crypto'

Tue, 23 Aug 2022 04:00:00 GMT

We know that investing in crypto is a popular topic with Money Clinic listeners, so we thought you might like to hear the first episode in the new season of the FT's Tech Tonic podcast.A Sceptic's Guide to Crypto asks whether crypto and its supporting technology - the blockchain - have a future following a market crash. In the first episode of this five-part series, FT columnist and host Jemima Kelly casts a sceptical eye on what led to the boom in digital assets and their subsequent collapse. She assesses the damage with the FT’s digital assets correspondent Scott Chipolina (whose voice you'll recognise from Money Clinic's last episode about crypto) and hears from big-time bitcoin investor Michael Saylor, Dogecoin co-creator Jackson Palmer, and crypto YouTuber, Wajahat Mughal.

Want to hear more? Subscribe to Tech Tonic here: https://link.chtbl.com/rzVNVcs_?sid=Ep1

Check out stories and up-to-the-minute news from the FT’s technology team at ft.com/technology

The FT’s Cryptofinance Hub is at https://www.ft.com/cryptofinance

Scott Chipolina’s reporting can be found at https://www.ft.com/scott-chipolina

For a special discounted FT subscription go to https://www.ft.com/techtonicsale

Tech Tonic is presented by Jemima Kelly. Special thanks to Scott Chipolina. Edwin Lane is senior producer. Produced by Josh Gabert-Doyon. Executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. The FT’s head of audio is Cheryl Brumley. News clips credits: CNBC, Saturday Night Live

Hosted on Acast. See acast.com/privacy for more information.

Introducing a new series of Tech Tonic

Wed, 17 Aug 2022 04:00:49 GMT

Listen and subscribe to Tech Tonic here.

Even after the crypto markets crashed this year, there are still a number of people who believe there’s a future for digital assets and blockchain technology. FT columnist and avowed crypto sceptic, Jemima Kelly, isn’t so sure. On this season’s Tech Tonic, she takes a trip deep into cryptoland to hear from critics, converts and hardcore believers to find out whether crypto technology has a future.

Check out stories and up-to-the-minute news from the Technology team at ft.com/technology

Presented by Jemima Kelly. Edwin Lane is senior producer. Produced by Josh Gabert-Doyon. Executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. The FT’s head of audio is Cheryl Brumley.

Hosted on Acast. See acast.com/privacy for more information.

Best of Money Clinic: Could you retire in your thirties with FIRE?

Tue, 16 Aug 2022 04:00:40 GMT

Are you working to live, or living to work? Followers of the FIRE movement (Financial Independence Retire Early) budget carefully so they can invest a greater proportion of their take-home pay. Is a life of extreme frugality worth the extra years of financial freedom later on - and how could you apply the principles of FIRE to your own finances?

This week, Claer helps listeners Amy and Rory on their FIRE journey, with expert tips from Mr Money Mustache, AKA the US blogger Pete Adeney, and Kristian Danielson, the person behind the r/FIREUK subreddit.

Money Clinic is presented by Claer Barrett and produced by Persis Love. Manuela Saragosa is the executive producer and the sound engineer is Breen Turner. The original music is by Metaphor Music.

Further reading:

Mr Money Mustache’s blog: https://www.mrmoneymustache.com/

You can get involved in the FIREUK subreddit here: https://www.reddit.com/r/FIREUK/

If you want to get started in investing, listen to our previous episode: https://open.spotify.com/episode/3vrvbPLIxReR2ACvgH9q6t?si=WAdkHgdwRlKlLoXa9bAOGg&dl_branch=1&nd=1

Claer’s free-to-read column about the problems with FIRE is here: https://www.ft.com/content/f4283596-c967-11e9-a1f4-3669401ba76f

And her column about active vs. passive funds is here: https://www.ft.com/content/c2e9abd0-0edd-4805-b1ab-d55b661c24de

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music

Hosted on Acast. See acast.com/privacy for more information.

The rental crisis: Help, I’ve been priced out of the market

Tue, 09 Aug 2022 04:00:21 GMT

Increasing rents, bidding wars and queues to view properties – for 28-year-old Will, finding a place to live is proving very difficult. He moved out of his last flat because the landlord increased the rent, and has just two months to find his next place. Greg Tsuman, president-elect of Propertymark, a trade body for UK estate agents, offers insider tips on how prospective tenants can get ahead of the competition. He also explains why rental properties are in such low supply at the moment. Plus, presenter Claer Barrett gets a rundown of renters’ rights from Shelter policy manager Ruth Ehrlich – when can your landlord increase your rent and what can you do if you are served an eviction notice?

To listen to our previous episode about why it pays to check your credit score, click here: https://www.ft.com/content/3fb08997-b49f-4e14-b283-9abd1a648b1f

And here’s a free to read link for Claer’s FT column “Why should I let my landlord spy on my finances?” https://on.ft.com/3c1cq6f

And if you would like to get in touch with us about your experiences of renting property, please email us at money@FT.com or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok.

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music

Hosted on Acast. See acast.com/privacy for more information.

Can I afford to take a sabbatical?

Tue, 02 Aug 2022 04:00:40 GMT

Do you ever long for an extended period of time off? Maybe you’d travel the world, try out a new career, or just put your feet up for some proper R&R. While the prospect of taking six months off work to do something completely different may well appeal to you, could you afford to do so?

Thirty-four-year-old podcast listener Ali has reached a crossroads in her career and is keen to plan some time off. Presenter Claer Barrett speaks to Isabel Berwick, the host of the FT’s Working It podcast, on the career implications of taking a sabbatical - both good and bad. Plus, financial planner Joanna Little, chief executive of Emery Little, talks listeners through how to prepare for six months without an income - and what flexibility could be on offer.

If you would like to be a guest on the podcast, email the team money@ft.com or send Claer a DM on social media - she’s @ClaerB

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Hosted on Acast. See acast.com/privacy for more information.

How much is high inflation costing you?

Tue, 26 Jul 2022 04:00:25 GMT

The cost of living is rising at its fastest pace for 40 years, and economists warn prices will increase further this autumn — with some fearing annual inflation could hit 15 per cent.

On this week’s episode, presenter Claer Barrett hears how the soaring cost of fuel, energy bills and food is causing podcast listeners to cut back in other areas in order to balance their budgets. Chris Giles, the FT’s economics editor, explains what’s causing the price rises and why this in turn is pushing up interest rates — and how effective this might be in getting inflation under control.

Sarah Coles, senior personal finance analyst at Hargreaves Lansdown, notes how all of these pressures are being reflected on world stock markets, as well as looking at strategies people are taking with cash savings and mortgages on their homes.

If you would like to be a future guest on Money Clinic, email the team via money@ft.com or send Claer a DM on social media — she’s @Claerb on Twitter, Instagram and TikTok.

Follow Chris Giles on Twitter @ChrisGiles_

Follow Sarah Coles on Twitter @SaraheColes

To listen to our previous episode “How to get a pay rise” https://www.ft.com/content/eeb84e5e-acf2-4b92-a99a-bd3514e1837d

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music

Hosted on Acast. See acast.com/privacy for more information.

Travel chaos: how to get your money and luggage back

Tue, 19 Jul 2022 04:00:10 GMT

There’ve been thousands of flight cancellations and scenes of chaos at UK airports, so this Money Clinic episode is packed with advice about your consumer rights if your travel plans go wrong. Host Claer Barrett, the FT’s consumer editor, hears from listeners battling to get their money back from airlines and third-party booking sites, including one listener who was forced to wear her husband’s underpants after her suitcase went missing! Can she help them obtain compensation - and track down the missing suitcase? Claer sources tips about air passenger rights, travel insurance and Covid cancellation cover from veteran travel journalist Simon Calder, and Harry Kind, a Which? consumer expert.

Want more?

Claer’s latest FT column is packed with more tips for travellers, including how to get the best deal on holiday currency: https://www.ft.com/content/0044cce2-d9e3-4599-9615-5c2546830071

Simon Calder hosts an Instagram Live on his account @Simon_Calder answering travel questions every Saturday and Sunday at 3.30pm UK time, and also has his own travel podcast - You Should Have Been There.

If you would like to be a future guest on Money Clinic, email the team via money@ft.com or send Claer a DM on social media - she’s @Claerb on Twitter, Instagram and TikTok.

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music

Hosted on Acast. See acast.com/privacy for more information.

I’ve been defrauded - why won’t my bank refund me?

Tue, 12 Jul 2022 04:00:16 GMT

Record numbers of people are falling victim to online fraud attempts, but there are no guarantees that your bank will refund the lost money. Thirty-one-year-old Jenny was distraught when fraudsters impersonating her bank made off with her life savings of £17,000. Money Clinic helped her to take her case to the UK’s Financial Ombudsman, and in this episode host Claer Barrett explains how listeners could use the free ombudsman service to obtain compensation themselves. Plus Pat Hurley, the lead ombudsman at the Financial Ombudsman service, and Katy Worobec, managing director of economic crime at the banking trade body UK Finance, pass on valuable fraud prevention tips.

Want more?

Claer’s column on record online fraud in the UK: https://www.ft.com/content/a6c5ab95-7be4-432c-83a5-79b7471afc1a

How to make a claim using the Financial Ombudsman service: https://www.financial-ombudsman.org.uk/

To stay on top of the latest scams being reported: https://www.actionfraud.police.uk/

If you would like to appear as a future guest on Money Clinic podcast, email the team via money@ft.com or send Claer a message on Instagram, Twitter or TikTok - she’s @Claerb

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music

Hosted on Acast. See acast.com/privacy for more information.

Repeat: I lost £17,000 to a fraudster

Tue, 05 Jul 2022 04:00:31 GMT

Would you fall for a £17,000 scam? You might think you are too smart, but criminals keep coming up with frighteningly convincing ways of parting us from our hard-earned cash. Figures released last week showed that online fraud hit a new record in 2021, with under-35s increasingly the target of ‘impersonation scams’. Fewer than half of those tricked into transferring cash to criminals ever get their money back from their bank. Victims include 31-year-old Money Clinic listener Jenny. In this repeat episode, she tells presenter Claer Barrett about how professional scammers conned her out of £17,000 in April 2021 after she clicked on a text message — and the compensation battle she’s been fighting since then. Bank fraud expert Steven McMillan provides practical advice on how to spot scams and Gareth Shaw from Which? tells listeners how to get compensation if they fall victim. Next week, we will reveal what happened when Claer helped Jenny to take her case to the financial ombudsman.

For more on the online fraud ‘epidemic’ in the UK:

https://www.ft.com/content/df5c61b1-3430-45c3-976a-3af8789a2dae

Claer’s column on record online fraud in the UK:

https://www.ft.com/content/a6c5ab95-7be4-432c-83a5-79b7471afc1a

To learn more about making a claim using the Financial Ombudsman service:

https://www.financial-ombudsman.org.uk/

To stay on top of the latest scams being reported:

https://www.actionfraud.police.uk/

If you would like to appear as a future guest on Money Clinic podcast, email the team via money@ft.com or send Claer a message on Instagram, Twitter or TikTok - she’s @Claerb

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music

Hosted on Acast. See acast.com/privacy for more information.

Introducing: Hot Money

Fri, 01 Jul 2022 04:00:43 GMT

The FT just launched a new podcast on porn, power and profit. When FT reporter Patricia Nilsson started digging into the porn industry, she made a shocking discovery: nobody knew who controlled the biggest porn company in the world. Now, she and her editor, Alex Barker, reveal who is behind it and much more. This eight-part investigative podcast reveals the secret history of the adult business and the billionaires and financial institutions who shape it. Brought to you by the Financial Times and Pushkin. To listen to new episodes, search ‘Hot Money’ wherever you listen.

Hosted on Acast. See acast.com/privacy for more information.

Busting the myths about credit scores

Tue, 28 Jun 2022 04:00:01 GMT

Most people know that you need a good credit score to be able to borrow money, but how to start building one up is a bit of a mystery. Money Clinic listener Emma, 22, has never been in debt before, apart from her student loans. However, she has heard that getting a credit card could increase her chances of being able to take out a mortgage in the future. Before she applies for one, what does she need to consider? Plus, if your credit score isn’t great, how can you improve it and why is this worth doing? Claer Barrett, Money Clinic presenter and the FT’s consumer editor, scrutinises Emma’s credit score, with help from Katie Watts, a consumer expert at moneysavingexpert.com and debt adviser Sara Williams, who runs a blog called The Debt Camel (@debtcamel on Twitter and Instagram). Together, they explain the hidden world of credit scores, credit files and tips on how to use credit responsibly.

Want more?

This free-to-read FT article How to Improve Your Credit Score includes lots more tips and pointers:

https://www.ft.com/content/24b2df98-2bae-11e9-9222-7024d72222bc

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music

Hosted on Acast. See acast.com/privacy for more information.

Making sense of the meltdown in markets

Tue, 21 Jun 2022 04:00:34 GMT

Global stock markets have suffered their biggest weekly drop since the start of the pandemic, and cryptocurrencies have crashed. As younger investors struggle to absorb the losses, they also have the rising cost of living to contend with. This week, Money Clinic host Claer Barrett speaks to Ashley, a 28-year-old investor who has lost thousands of pounds, about how he’s weathering the financial storm, and two of the FT’s top investment brains unpick exactly what has been happening in world markets and where things could go from here. Katie Martin, the FT’s markets editor, and Robert Armstrong, the FT’s US financial commentator and author of the Unhedged newsletter, have plenty of ideas for new investors thinking about their next move.

Want more?

Claer’s most recent FT column offers pointers to young investors:

https://www.ft.com/content/83aa143b-1f84-48e9-a6f7-6c21deef278d

The financial advice that older FT readers would pass down to younger investors:

https://www.ft.com/content/1d71cdc1-5a7d-464a-9d82-bbf7b29a4656

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music

Hosted on Acast. See acast.com/privacy for more information.

Dad, mum or the internet: who taught you the most about money?

Tue, 14 Jun 2022 04:00:52 GMT

Who taught you the most about money — your dad, your mum or the internet? Traditionally, parents had the biggest influence on how people managed money in their adult lives. But all that is changing. In an unofficial Money Clinic poll ahead of Father’s Day this Sunday, while 20 per cent of listeners said their dads had been the strongest financial influence in their lives, the vast majority (71 per cent) said it was the internet, raising important questions about the role of online influencers and the lack of financial education in schools. Presenter Claer Barrett discusses with Aimée Allam, director of the FT’s Financial Literacy and Inclusion Campaign (FLIC), and millennial financial educators Andreea Ion and Jamie Galvin, who run the Stocks and Savings pages on Instagram and TikTok.

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

To follow Andreea and Jamie on social media, look for @stocksandsavings

To learn more about FLIC, and read lots of free FT articles about financial literacy, visit www.ft.com/flic

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music

Hosted on Acast. See acast.com/privacy for more information.

Introducing Working It: How I got a 36% pay rise

Tue, 07 Jun 2022 04:00:07 GMT

As the cost of living rises, securing a pay rise is likely to be the top item on your financial to-do list. So how can you maximise your chances of getting one? This week on Money Clinic, we’ve joined forces with the FT’s Working It podcast to return to one of our most popular episodes: “How to ask for a pay rise - and get one!” Back in November, podcast listener Max told presenters Claer Barrett and Isabel Berwick about how he hoped to negotiate a raise with his current employer after being approached by headhunters offering more money elsewhere. In this special episode, Max tells us what happened next, and whether the experts’ advice paid off. Plus, Isabel explores what managers can do to help their teams asking for higher pay, especially if there is no budget for it. This episode will help you gather the tools and tips you need – and also tell you what not to do.

Want more?

Listen again to the advice from Claer, Isabel and Jonathan Black, the FT’s “Dear Jonathan” careers agony uncle, on the Money Clinic podcast from November https://www.ft.com/content/04b1176f-b6c8-4488-971b-9ded3358a324

Two FT features by a behavioural economist on how to craft a case for a pay rise and how to use storytelling to make your argument https://www.ft.com/content/09ce507b-914a-4988-9a56-cf5181e1678d

https://www.ft.com/content/967db31f-f49b-4039-a295-23db588d2a1c

How to ask for a raise: HBR tips and video https://hbr.org/2021/11/christine-vs-work-how-to-ask-for-a-raise

FT subscriber? Sign up for the weekly Working It newsletter. We cover all things workplace and management — plus exclusive reporting on trends, tips and what’s coming next. One-click sign up at www.ft.com/newsletters

We love to hear from you. What do you like (or not)? What topics should we tackle? Email the team at workingit@ft.com or Isabel directly at isabel.berwick@ft.com. Follow @isabelberwick on Twitter. Subscribe to Working It wherever you get your podcasts — please listen, rate and subscribe!

Presented by Isabel Berwick. Editorial direction from Renée Kaplan and Manuela Saragosa. Assistant producer is Persis Love. Sound design is by Breen Turner, with original music from Metaphor Music. Produced by Novel.

Hosted on Acast. See acast.com/privacy for more information.

Behind the Money: A crypto vibe shift?

Wed, 01 Jun 2022 04:00:22 GMT

Introducing Behind the Money. This is part 1 of 2 in a mini-series on crypto. Part 2 is available now here: https://link.chtbl.com/BTMMC

First up, we're wondering: is a crypto vibe shift underway? Bitcoin’s price has been dropping for weeks and earlier this month, a popular stablecoin collapsed. FT reporter Ethan Wu explains how the effects of that rippled into other areas of the crypto universe. Michela and Ethan will talk about what stablecoins are and why they matter — even for people who aren’t crypto investors.

Hosted on Acast. See acast.com/privacy for more information.

How can I reduce my energy bill?

Tue, 31 May 2022 04:00:22 GMT

Rishi Sunak has just unveiled a £15bn support package to help households as the average UK energy bill is predicted to hit £2,800 a year. Even with the chancellor’s help, plenty of people will still be feeling the pinch - but this episode is packed with practical tips and advice to help you save on your energy bills.

Presenter Claer Barrett hears from Bella who is renting a draughty Victorian flat, and wants to know her rights before she tackles her landlord. Homeowner Sam has seen his bills skyrocket, and wonders if insulating his property would be a wise investment. On hand with tips for Bella and Sam are Gemma Hatvani, founder of the Facebook group, Energy Support and Advice UK, and Brian Horne, a senior advisor at the Energy Saving Trust.

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media - she’s @ClaerB on Twitter, Instagram and TikTok.

To read a free FT.com article about how the new energy help measures will work, click here: https://on.ft.com/3lQlGPz

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Hosted on Acast. See acast.com/privacy for more information.

‘I lost all my money’: Lessons from the crypto crash

Tue, 24 May 2022 04:00:26 GMT

This month’s crash in the value of cryptocurrencies has wiped out investments for people all over the world. In Bangalore, 29-year-old Subbaiah watched in horror as his $7,000 crypto holdings in luna and terra collapsed. Even investors holding other cryptocurrencies as part of a diversified portfolio are feeling the sting.

Scott Chipolina, the FT’s digital assets correspondent, and Ilan Solot, a partner at crypto group Tagus Capital, discuss what the future could hold for crypto as an asset class, what more could be done to protect consumers — and the steps investors can take to protect themselves.

If you’ve lost money in the crash and need to talk to someone, here’s a link to the Reddit thread containing all of the national helplines you could turn to for support: https://www.reddit.com/r/terraluna/comments/un57df/for_everyone_panicking_here_are_some_national/

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Hosted on Acast. See acast.com/privacy for more information.

Behind the Money is back!

Fri, 20 May 2022 05:00:58 GMT

Behind the Money is back with all-new episodes! From hostile takeovers to C-suite intrigue, Behind the Money takes you inside the business and financial stories of the moment with reporting from Financial Times journalists around the world. The podcast returns May 25. You can follow the show now!

Hosted on Acast. See acast.com/privacy for more information.

I hate maths — is that why I’m bad with money?

Tue, 17 May 2022 04:00:27 GMT

If you hated maths at school, does it follow that you’ll be bad at managing money as an adult? Money Clinic host Claer Barrett hears from Jade, a 21-year-old self-employed graduate, who says even thinking about numbers makes her feel anxious, bringing back memories of not knowing the answer in school maths lessons. In her adult life, it’s affecting Jade’s ability to manage her finances, particularly as the cost of living rises. But Jade’s problem is far from uncommon — half of working-age adults in the UK have the numeracy skills expected of a child at primary school – and ahead of National Numeracy Day on Wednesday May 18, Money Clinic hears from a trio of experts on how to improve your numeracy skills. They are Bobby Seagull, the TV personality and Britain’s most famous maths teacher, Mr MoneyJar, aka Timi Merriman-Johnson, and Suzanne Dale, who teaches adult numeracy in the workplace.

To take the 10-minute National Numeracy Challenge and download many other free resources, visit the National Numeracy website: https://www.nationalnumeracy.org.uk/challenge/

Got a money issue that you’d like to talk to us about? Please email the team via money@ft.com or send Claer a DM on social media - she’s @ClaerB

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Hosted on Acast. See acast.com/privacy for more information.

How can I scale up my side hustle?

Tue, 10 May 2022 04:00:34 GMT

A year ago, 24-year-old Evvia, a full-time care assistant in Norwich, started a vintage knitwear business from her bedroom. Today, her Loupy Studio label has more than 40,000 followers on Instagram, and she’s receiving orders from all over the world. Evvia’s creations are in such hot demand she’s going to have to scale back her hours at her day job — but she wonders how this might knit together financially.

Money Clinic host and FT consumer editor Claer Barrett gets advice from Jo Ellison, editor of the FT’s How to Spend It, about whether Evvia should increase her prices, and the financial challenges facing young designers. Plus, chartered accountant Deborah Edwards from Raised Up Finance unravels important questions about tax, different company structures and how entrepreneurs like Evvia can develop a growth mindset for their businesses.

To listen, click on the link above, or search for Money Clinic wherever you get your podcasts.

If you would like to be a future guest on the show, please email money@ft.com or follow Claer on social media @ClaerB

Check out last season’s episode about side hustles here and here

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Hosted on Acast. See acast.com/privacy for more information.

Mortgage basics: how do we buy our first property?

Tue, 03 May 2022 04:00:19 GMT

Buying your first home is one of the biggest financial decisions you’ll ever have to make, so how can you prepare for it? On the Money Clinic podcast this week, presenter Claer Barrett meets a couple — 29-year-old Alex and her partner 31-year-old Sarah — who are midway through their property buying journey. They have lots of questions: Did they get the right kind of mortgage? Should they prepare for unexpected costs? And what other financial questions should they consider before signing on the dotted line? Claer sources advice from Daniel Knott, the mortgage broker who posts as @DanDoesMortgages on Instagram, as well as Jo Little, who runs chartered financial planning firm Emery Little.

If you would like to be a guest on a future episode, you can email the team at money@ft.com or drop @ClaerB a DM on Twitter, Instagram or TikTok.

Follow Dan on social media @DanDoesMortgages

You can read Jo Little’s blog here: https://emerylittle.com/author/joannalittle/

This free to read FT article goes into more detail about the legal aspects of joint property ownership: https://www.ft.com/content/f321264f-bb8e-472b-9f95-a4bd26b6d89b

This will help you find out how much you might have to pay in stamp duty: https://www.which.co.uk/money/mortgages-and-property/home-movers/stamp-duty/stamp-duty-calculator-ar7uu5s1fycx

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Hosted on Acast. See acast.com/privacy for more information.

Help! My partner and I keep arguing about money

Tue, 26 Apr 2022 04:00:27 GMT

How financially compatible are you as a couple? On Money Clinic podcast this week, presenter Claer Barrett meets newly-weds Sahil and Priya, who have very different attitudes to money.

Sahil is a spender and a high-risk investor. Priya is a diehard saver who finds it hard to enjoy spending her hard-earned cash. The couple want to iron out their financial differences, but confess that conversations about money often end in arguments or nagging.

Financial psychotherapist Vicky Reynal examines the roots of the couple’s attitudes to money and suggests how they could move forward. Ken Okoroafor, money expert and co-founder of The Humble Penny website, advises how couples can communicate and work towards shared financial goals.

If you have a money question you’d like to see tackled on the show, email money@ft.com or send Claer a DM on social media - she’s @Claerb on Instagram, Twitter and TikTok.

Follow Ken on Instagram https://instagram.com/thehumblepenny and visit his website at https://thehumblepenny.com. Find Vicky here: https://www.reynal-psychotherapist.co.uk/

And for more ideas, check out Claer’s free to read FT column: Six ways to manage money - and not fall out with your partner: https://on.ft.com/35qQJZd

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Hosted on Acast. See acast.com/privacy for more information.

Should I spend, save or invest my bonus?

Tue, 19 Apr 2022 04:00:04 GMT

Record inflation! Soaring energy prices! Tax rises! Those are the gloomy economic and financial headlines, but three-quarters of the readers who answered an FT poll said they expected their bonus to be bigger, or substantially bigger, than last year’s.

If you’re lucky enough to be one of those people, this episode is for you, because the squeeze on living standards and turbulent world markets mean it’s even more important to use your bonus wisely.

Claer is joined in the FT studio by three experts, FT columnist and former investment banker James Max, Nimesh Shah, chief executive of tax specialists Blick Rothenberg, and Susannah Streeter, senior investment and markets analyst at Hargreaves Landsdown. The three of them give their views on the comments from the FT readers who bravely bared their financial souls to tell us whether they intended to spend, save or invest their bonus.

If you would like to be a future guest on Money Clinic podcast, please email the team via money@ft.com or follow Claer on social media @Claerb.

Read the results of Claer’s bonus season survey here: https://www.ft.com/content/4deb9688-5c35-4d4b-a364-a43e0d000995

James Max on how to get a bigger bonus: https://www.ft.com/content/aacbd190-535c-47dc-8046-b9ea31415aca

Want advice getting a pay rise? Listen to this episode of Money Clinic: https://www.ft.com/content/eeb84e5e-acf2-4b92-a99a-bd3514e1837d

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Hosted on Acast. See acast.com/privacy for more information.

What the Rolling Stones roadies can teach you about money

Tue, 12 Apr 2022 04:00:57 GMT

Why does the crew of the world’s biggest rock band have its own financial literacy programme? Well, life in the music industry is rife with financial instability - workers are often on short-term contracts, missing out on employee benefits such as pension savings and health insurance. A tour can stop at the drop of a hat - when a rockstar breaks their leg, or a pandemic hits - and workers are left without any income.

That's why, when the retirement planning nonprofit, Alliance for Lifetime Income, became the Stones tour's latest sponsor, production manager Dale Skjerseth came up with an idea for helping the younger roadies manage their money better.

This episode is packed with financial tips for budgeting and long-term saving, especially for gig and short-term contract workers. Featuring Stones roadies Nick and Dale, and Alliance for Lifetime Income chief executive Jean Statler.

If you would like to be a future guest on Money Clinic podcast, please email the team via money@ft.com or follow Claer on social media @Claerb.

Check out Claer’s column ‘The mere thought of retirement stresses me out’ https://www.ft.com/content/d44f0e55-5726-47f3-af31-bfc49aae0e16

And her free to read retirement planning guide for readers of all ages - How Covid-19 rebooted retirement: https://www.ft.com/content/2984f010-3496-4859-875d-deb23edcd2baC

If you’re in the US, you can access loads of information about saving for retirement on the website of the Alliance for Lifetime Income - https://www.protectedincome.org/

You can also delve into the Money Clinic back catalogue. Our previous episodes include getting started in investing: https://www.ft.com/content/e035ebf1-a9ff-4057-a1bb-591f2be296e4

Sorting out your pension: https://www.ft.com/content/99d962b7-dd15-4a7c-a3c8-40ba883ea1be

And financial tips for the self employed: https://www.ft.com/content/9889e9c6-1168-4a5d-b5a6-8ab84ea36c92

Hosted on Acast. See acast.com/privacy for more information.

What’s my financial gameplan in turbulent times?

Tue, 05 Apr 2022 04:00:00 GMT

Ashley dreams of owning his own home, but is well aware that the cash he is saving for a deposit is at the mercy of rising inflation. Would he be better off investing his money in his pension, in stocks and shares, or should he stay focused on getting on the property ladder?

Expert guests Paul Johnson, director of the Institute for Fiscal Studies, and Jason Butler, financial guru and FT columnist, have lots to say about the challenges facing younger investors, and offer tips for devising a long-term financial strategy.

If you would like to be a future guest on Money Clinic podcast, please email the team via money@ft.com or follow Claer on social media @Claerb.

To read Claer’s FT column about how 20-somethings are being forced to choose between targeting property or pensions, click on this link: https://www.ft.com/content/2815d35d-2297-4712-a4c5-0178de343eb1

To hear Claer chatting to Paul Johnson in-depth about the pensions challenges facing young people on the IFS podcast, click here: https://ifs.org.uk/podcast/should-people-be-saving-more-for-retirement

To listen to our previous episode ‘How to get a pay rise’, click here: https://www.ft.com/content/eeb84e5e-acf2-4b92-a99a-bd3514e1837d

You may also be interested to hear our previous episode about using the Lifetime Isa or Help to Buy Isa to save up for a property: https://www.ft.com/content/bf08da37-7901-4446-811b-ceef108824b4

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Hosted on Acast. See acast.com/privacy for more information.

Time for an investment makeover

Tue, 29 Mar 2022 04:00:11 GMT

With so many investing options out there, getting the right balance for your portfolio can be difficult. So this week presenter Claer Barrett has invited two listeners in for a portfolio makeover. Thirty-seven-year-old James holds UK-focused equities in his stocks and shares Isa. He was doing well, but market movements and rising inflation have made him think he might need to diversify. Thirty-four-year-old Gillian has taken a different approach, investing as much as she can into her company pension. However, she hasn’t paid much attention to what her pension is actually invested in.

Investment experts Rosie Carr, editor of the Investors Chronicle, and Russ Mould, investment director at AJ Bell, give their views on how James and Gillian can get the best out of their investments. Tips include how investors can manage the threat of rising inflation, different ways of approaching asset allocation and building a diversified portfolio.

If you want to hear more about how to get started on your investment journey, try this episode of Money Clinic: https://www.ft.com/content/e035ebf1-a9ff-4057-a1bb-591f2be296e4

Want to talk to Claer on the show? Email money@ft.com or drop her a line on Instagram @Claerb

Finally, Money Clinic is a general discussion about investment topics, and does not constitute an investment recommendation or individual financial advice. Your capital is at risk when you invest.

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Hosted on Acast. See acast.com/privacy for more information.

Is gold the safest place to invest?

Tue, 22 Mar 2022 05:00:50 GMT

Investors traditionally turn to gold as a ‘haven investment’ during volatile times so it will come as no surprise that Russia’s invasion of Ukraine, as well as rising global inflation, have caused a jump in its price. But there are many ways to invest in gold and in this episode, presenter Claer Barrett, the FT’s consumer editor, visits the vault of a gold shop in Mayfair and speaks to FT columnist Merryn Somerset Webb about what role gold can play in an investment portfolio.

Read Merryn’s column at https://www.ft.com/merryn-somerset-webb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Hosted on Acast. See acast.com/privacy for more information.

Budget to beat the rising cost of living

Tue, 15 Mar 2022 05:00:43 GMT

Next month has been dubbed ‘Awful April’ as the cost of pretty much everything is going up — but is your budget ready to withstand the strain? 22-year-old podcast listener Lil is worried about how she’ll cope with higher energy bills, rising rent and bigger food bills at the supermarket — not to mention National Insurance increases and changes to her student loan repayments. She’s already pretty thrifty — so can presenter Claer Barrett come up with more ways that Lil could stretch her money further?

Charlotte Jessop, founder of the website Looking After Your Pennies, explains easy ways everyone can get to grips with budgeting and saving money, as well as ideas for boosting your income. Plus, Claer visits the home of Miguel Barclay, better known on Instagram as the £1 chef, to see what budgeting tips he’s been cooking up in his latest book.

You can follow all of the podcast experts on Instagram: @Claerb, @lookingafteryourpennies, @miguelbarclay

To make the fried rice recipe Miguel cooked up for Claer, click here: https://www.youtube.com/watch?v=JT2bzS-vnF4

Here’s the link to claim tax relief worth up to £125 if you’ve worked from home in the UK: https://www.gov.uk/tax-relief-for-employees/working-at-home

To listen to our previous episode How to get a payrise, click here: https://www.ft.com/content/eeb84e5e-acf2-4b92-a99a-bd3514e1837d

Charlotte’s recommended websites that offer small payments for completing consumer surveys include YouGov, Prolific and UserTesting.

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Hosted on Acast. See acast.com/privacy for more information.

A new season of Money Clinic

Tue, 08 Mar 2022 05:00:04 GMT

From the highs and lows of crypto, to weathering the cost of living crisis, to your financial compatibility with your partner - Money Clinic is here to help you feel more in control of your finances.

New episodes every Tuesday from March 15.

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Hosted on Acast. See acast.com/privacy for more information.

Repeat - How to ask for a pay rise - and get one!

Tue, 11 Jan 2022 05:00:00 GMT

REPEAT: This week, Money Clinic is having a pay rise takeover - we’ll be pulling apart that big, scary box labelled ‘Asking for a pay rise’ - and unpacking the dos, the don’ts, the tips and tricks for getting the salary you think you are worth.

Visiting our pay-rise clinic today are three podcast listeners with three different financial predicaments: Natalie keeps getting knocked back when she asks for a raise; Max knows that he could get paid more elsewhere, and Charlotte is trying to negotiate a bonus that really matches the effort she puts into her job. With expert advice from Isabel Berwick, the Financial Times’ work and careers editor and presenter of the Working It podcast, and Jonathan Black, director of the University of Oxford’s careers service and the brains behind the FT’s popular ‘Dear Jonathan’ advice column, this is a podcast you can’t afford to miss.

Listen and subscribe to the Working It podcast: https://link.chtbl.com/0mRZG4fx

Check out the Dear Jonathan column: https://www.ft.com/dear-jonathan

Plus the FT’s recent article: Want to get a pay rise? Here’s how! https://www.ft.com/content/967db31f-f49b-4039-a295-23db588d2a1c

Want to be a future guest? Email us at money@ft.com or reach out to Claer on Instagram and Twitter: @ClaerB.

Presented by Claer Barrett. Executive producer is Manuela Saragosa. Produced by Persis Love. Assistant producer is Talia Augustidis. Sound design by Breen Turner.

Hosted on Acast. See acast.com/privacy for more information.

Bonus episode - The ultimate tax return guide

Tue, 04 Jan 2022 05:00:00 GMT

With nearly 11m people in the UK set to file their tax returns by January 31, are you dreading the annual nightmare - or have you already got it licked? In this bonus episode of Money Clinic, we answer all of the questions about tax returns that you wanted to ask. With more people starting side-hustles and small businesses during the pandemic, how much extra income do you need to earn before you have to submit a return?

Presenter Claer Barrett discusses how apps can make the whole process easier, and whether it pays to get an accountant. Plus, she explores how freelancers can legitimately reduce their bills by claiming tax-deductible expenses, or negotiate extra time to pay. Jacquetta Brown, tax specialist at HM Revenue & Customs, and chartered accountant Deborah Edwards, who runs the money mentoring programme Raised Up Finance, are on hand to demystify the jargon and pinpoint sources of help.

If you would like to be a guest on the next season of the show, email the podcast team money@ft.com or follow Claer on Twitter and Instagram @Claerb.

You can follow Deborah on Instagram @raisedup.finance

Further reading:

To find out more about using salary sacrifice to legitimately reduce your tax bills, check out this free-to-read FT piece from Claer: https://www.ft.com/content/ff8021b9-7847-4ef5-9f20-abb2ea2d6d93

And if you’re looking for more tips about running a freelance business, this free-to-read piece has plenty of them: Financial Tips for the self-employed https://www.ft.com/content/3462f359-8a1d-4a1e-9098- a14bded3f00d

To claim the working from home allowance, follow this link to the Gov.uk website: https://www.gov.uk/tax-relief-for-employees/working-at-home

To check out the HMRC YouTube channel, click here https://www.youtube.com/user/HMRCgovuk/playlists

Hosted on Acast. See acast.com/privacy for more information.

Crypto in the classroom, and why we need better financial education

Tue, 21 Dec 2021 05:00:00 GMT

When Lucy Kellaway left the Financial Times and retrained as an economics teacher, she could not have predicted how the cryptocurrency craze would sweep through British classrooms. But is there anything on the school curriculum to teach teens about the risks of unregulated investments, or even basic financial literacy? Lucy thinks not.

The FT’s Financial Literacy and Inclusion Campaign — FLIC for short — is hoping to change all that.

In this special Christmas edition of the Money Clinic podcast, presenter Claer Barrett hears why Lucy and other top FT writers are supporting a greater focus on teaching finance in schools, as they recall their own formative experiences with money.Taking listeners on a tour of the FT’s City of London office, she hears from Patrick Jenkins, the FT’s deputy editor and trustee of the charity, who shares financial mistakes he made as a teenager in the 1980s, and US managing editor Peter Spiegel who explains why he thinks there’s a specific culture around money in the US.

If you would like to read more about FLIC’s charitable aims, or to make a donation to support the charity’s work, please visit www.ftflic.com

You can follow FLIC on Twitter and Instagram @FT_Flic

There are dozens of free-to-read articles about financial literacy here https://www.ft.com/ft-seasonal-appeal

Hosted on Acast. See acast.com/privacy for more information.

Repeat - What’s your financial New Year’s resolution?

Tue, 14 Dec 2021 05:00:00 GMT

REPEAT: 2021, like 2020, was another turbulent year for most people’s finances, but the new year provides the perfect opportunity to set some “financial resolutions”.The guests on Money Clinic are millennial couple Toby and Siobhan and they’re looking for some timeless “fin-spiration” to get their money to work harder. They’ve paid off their credit cards under lockdown, and are wondering where to direct their spare cash. How much could they save if they overpaid their mortgage — and how would that compare to putting more into their pensions or other investments. There’s also one financial to-do that they’re been putting off for a long time — making a will. Money experts Ken Okoroafor from The Humble Penny and Dan Garrett, co-founder of digital will-writing service Farewill, provide expert tips.

If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.

You can follow Ken Okoroafor on Twitter and Instagram @TheHumblePenny

If you’re looking for fresh ideas about what to do with your money in 2021, Claer has asked podcast hosts from the finance and business world to share their financial New Year’s resolutions for 2021. Covering investing, saving, financial planning and side hustling, you can read insights from Patricia Bright (Caught Off Guard), Emma Gannon (Ctrl Alt Delete), Chris Browning (Popcorn Finance), the FT’s former editor Lionel Barber (What’s Next?) and many more by clicking on this link: https://www.ft.com/content/8a09fc2d-4c25-4d81-8835-a5517c6cb3d3

And here’s some further reading for listeners who are considering making a will. The pandemic has forced through legal changes making it much easier for people in England and Wales to make a “digital will” online. Read this FT Money piece to find out how: https://www.ft.com/content/4df16e49-940f-46f2-b0b4-6a82c011c3ba

And for a more general grounding in the topic, read this FT article - 10 things you need to know before making a will: https://www.ft.com/content/c5559861-6c19-4fdb-a652-4059cf5e6bd0

Hosted on Acast. See acast.com/privacy for more information.

Repeat - How can I use Isas to invest or buy a property?

Tue, 07 Dec 2021 05:00:00 GMT

REPEAT: Claer explores how young people can use the popular tax-free Isa accounts to invest or buy their first property. This week, she meets Ryan, a 22-year-old graduate who confesses he has three Isa accounts, but doesn’t know how best to use them — or how to unlock savings bonuses potentially worth tens of thousands of pounds.

Expert and practical help is on hand from Harleigh Reid, who used a Help to Buy Isa to buy her first flat at the age of just 24, and Young Money blogger Iona Bain who explains the rules of the new Lifetime Isa, which can be used for property or investing.

Further reading:

If you’re new to investing, listen to this past Money Clinic episode on starting out https://www.ft.com/content/caedf0b3-4052-430c-99b4-107ea093d3fc

If you’re ready to rock with an investment Isa, check out this free-to-read FT column by Claer: https://www.ft.com/content/684dbb86-40b4-11e9-b896-fe36ec32aec

Harleigh Reid also hosts her own YouTube site: https://www.youtube.com/user/TheHarlsz

Check out Iona Bain’s Young Money blog here https://www.youngmoneyblog.co.uk/ or read her FT column about her Lifetime Isa here https://www.ft.com/content/52ad32d8-ac7b-11e9-b3e2-4fdf846f48f5

Hosted on Acast. See acast.com/privacy for more information.

Repeat - Help! I need to sort out my pensions

Tue, 30 Nov 2021 05:00:00 GMT

REPEAT: Putting all of your pension savings in one place to make it easier to manage your retirement plans sounds like a sensible idea — but it’s not necessarily the right solution for everyone. Claer Barrett meets 51-year-old Tina who has spent lockdown searching for all of her old pensions: some have performed better than hoped, but others have had high charges, and she has a gap in her UK state pension contributions due to working overseas. Experts Sir Steve Webb of Lane Clark & Peacock and Catherine Morgan, a financial planner behind the ‘In Her Financial Shoes’ podcast, provide tips for people of all ages looking to sort out their pension savings.

How to ask for a pay rise - and get one!

Tue, 23 Nov 2021 05:00:00 GMT

This week, Money Clinic is having a pay rise takeover - we’ll be pulling apart that big, scary box labelled ‘Asking for a pay rise’ - and unpacking the dos, the don’ts, the tips and tricks for getting the salary you think you are worth.

With expert advice from Isabel Berwick, the Financial Times’ work and careers editor and presenter of the Working It podcast, and Jonathan Black, director of the University of Oxford’s careers service and the brains behind the FT’s popular ‘Dear Jonathan’ advice column, this is a podcast you can’t afford to miss.

Listen and subscribe to the Working It podcast: https://link.chtbl.com/0mRZG4fx

Check out the Dear Jonathan column: https://www.ft.com/dear-jonathan

Plus the FT’s recent article: Want to get a pay rise? Here’s how! https://www.ft.com/content/967db31f-f49b-4039-a295-23db588d2a1c

Want to be a future guest? Email us at money@ft.com or reach out to Claer on Instagram and Twitter: @ClaerB.

Presented by Claer Barrett. Executive producer is Manuela Saragosa. Produced by Persis Love. Assistant producer is Talia Augustidis. Sound design by Breen Turner.

Hosted on Acast. See acast.com/privacy for more information.

How to invest for a greener future

Tue, 16 Nov 2021 05:00:00 GMT

Following the COP26 conference in Glasgow, many climate-conscious investors want to know how to match up their investments with their values.

The short answer is environmental, social and governance investing — ESG for short. But there are plenty of questions around how ‘green’ this really is.

Thirty-year-old Harri appeared on one of the first episodes of Money Clinic last year, and his decision to invest in ESG funds appears to have paid off: he has made a decent return. However, he wonders how much this has been down to the underlying investment performance and how much because of the soaring popularity of ESG investments. With a record $3.9tn now held in sustainable assets worldwide, is this outperformance sustainable?

Claer is joined by the FT’s Manuela Saragosa and Share Action’s Catherine Howarth, who have put ESG investing to the test. They offer practical tips on how to make greener choices with your pension,Isa and becoming an activist shareholder. Plus, they debate how worried investors should be about ‘greenwashing’.

If you enjoyed this episode, check out five ESG themed episodes on the FT podcast Behind the Money. Want to be a future guest? Email us at money@ft.com or reach out to Claer on Instagram and Twitter: @ClaerB.

Presented by Claer Barrett. Executive producer is Manuela Saragosa. Produced by Persis Love. Assistant producer is Talia Augustidis. Sound design by Breen Turner.

Clips: Sky News, CNBC International, UN Climate Change, Guardian News.

Hosted on Acast. See acast.com/privacy for more information.

The financial secrets of footballers, part two

Tue, 09 Nov 2021 05:00:00 GMT

Many dream of being an elite footballer, but what’s it like actually earning a professional player’s salary?

In the second half of this two-part podcast special, Claer Barrett explores the darker side of earning staggering sums as a young player. Unscrupulous financial advisers, risky investments, gambling, injuries and early retirement can all cut short your earning potential - and there are lessons here for all of us. She hears from Gareth Farrelly, a former Premier League footballer who narrowly avoided death - and financial ruin - when his playing career ended, but has now reinvented himself as a top sports lawyer. Plus, former England player Sol Campbell and AFC Bournemouth full-back Jack Stacey reveal how they manage their money, and what listeners can learn from this.

If you liked the show, please leave a review. Want to be a future guest? Email us at money@ft.com or reach out to Claer on Instagram and Twitter: @ClaerB

For more about the business of sport, head to Scoreboard, the FT’s weekly briefing on the key financial issues affecting the global sports industry, at www.ft.com/scoreboard.

If you enjoyed this episode, check out this Financial Times article by sports reporter Sam Agini https://www.ft.com/content/6d074e57-adf3-494a-98b9-6d0bc169c440

Or this article on the perils of making a fortune at a young age https://www.ft.com/content/a5297c2c-03fe-47e0-b13a-6d20f7d2b3f8

Presented by Claer Barrett. Executive producer is Manuela Saragosa. Produced by Persis Love. Assistant producer is Talia Augustidis. Sound design by Breen Turner.

Clips: afcbTV

Hosted on Acast. See acast.com/privacy for more information.

The financial secrets of footballers, part one

Tue, 02 Nov 2021 05:00:00 GMT

Many dream of being an elite footballer, but what’s it like actually earning a pro player’s salary? Top football players earn staggering amounts of money, but even they are not immune from financial challenges. These range from planning for a career that could end by the age of 35 to teenage players struggling to manage such large financial windfalls. In the first half of this two-part podcast special, Claer Barrett speaks to former England player Sol Campbell and AFC Bournemouth full back Jack Stacey about the reality, both good and bad, of earning a footballer’s salary. Plus, Daniel Geey on why there’s so much money in football.

If you liked the show, please leave a review. Email us at money@ft.com or reach out to Claer on Instagram and Twitter: @ClaerB

If you enjoyed this episode, check out this Financial Times article by sports reporter Sam Agini https://www.ft.com/content/6d074e57-adf3-494a-98b9-6d0bc169c440 Or this article on the perils of making a fortune at a young age https://www.ft.com/content/a5297c2c-03fe-47e0-b13a-6d20f7d2b3f8

Check out Daniel Geey’s book and podcast here: https://www.danielgeey.com/

Presented by Claer Barrett. Executive producer is Manuela Saragosa. Produced by Persis Love. Assistant producer is Talia Augustidis. Sound design by Breen Turner.

Clips: afcbTV

Hosted on Acast. See acast.com/privacy for more information.

Introducing Working It: Can wellness apps fix us and beat staff burnout?

Sat, 30 Oct 2021 04:00:00 GMT

This is the podcast about doing work differently. Join host Isabel Berwick every Wednesday for expert analysis and watercooler chat about ahead-of-the-curve workplace trends, the big ideas shaping work today — and the old habits we need to leave behind.

Subscribe on Apple https://podcasts.apple.com/gb/podcast/working-it/id1591925469 - On Spotify https://open.spotify.com/show/5vNDHxEOc1pI1acJS7He5e Or wherever you get your podcasts.

The wellness industry is a trillion-dollar business, and the pandemic has turbo-charged it. One of the biggest trends has been the rise in employers buying their staff access to meditation and fitness apps. But does this ‘quick fix’ approach work? And are there better ways to boost wellbeing ?

Isabel talks to Lorna Borenstein, chief executive of Grokker, a corporate wellness app about the reasons why she set up the platform and how clients and her own staff use it. It’s all part of a culture of taking care of employees - a topic Lorna has explored more deeply in her book It’s Personal, offering advice to other managers on how to help staff feel better [tl;dr: talk less, listen more].We also speak to FT colleague Emma Jacobs, about the corporate care culture. She is a little more skeptical.

We would love to hear from you - email us at workingit@ft.com. You can also follow @isabelberwick on Twitter and Instagram or reach out via email: isabel.berwick@ft.com. Thanks.

Mentioned in the podcast and other interesting reading:

Emma Jacobs’ prophetic pre-pandemic guide to workplace wellness by app: https://www.ft.com/content/d1d58aae-437c-11ea-abea-0c7a29cd66fe
FT series, Burnout: https://www.ft.com/burnout
Deloitte report [2020] on employee mental health showing £5 benefit for every £1 spent: https://www2.deloitte.com/uk/en/pages/consulting/articles/mental-health-and-employers-refreshing-the-case-for-investment.html
Video, Emma Jacobs on how to detox from your smartphone: https://www-ft-com.newman.richmond.edu/video/b4115321-b915-3a42-9814-ad0be4c0e7f5?playlist-name=section-0b83bc44-4a55-4958-882e-73ba6b2b0aa6&playlist-offset=206

Presented by Isabel Berwick. Editorial direction from Renée Kaplan. Assistant producer is Persis Love. Sound design is by Breen Turner, with original music from Metaphor Music. Produced by Novel.

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Investment Masterclass with fund manager Baillie Gifford

Tue, 26 Oct 2021 04:00:00 GMT

Have you ever wondered what it would be like to manage an investment portfolio worth hundreds of billions of pounds? Global equities specialist Malcolm MacColl is one of two managing partners at the helm of Baillie Gifford, the Scottish asset management company, which manages more than £350bn worth of investors’ cash. An early investor in Amazon, Tesla and Moderna, Baillie Gifford’s long-term approach to investing in tech companies has paid dividends. However, its approach is being tested by volatile markets in China, where the value of Chinese tech companies has been hit by a government crackdown.

On today’s episode, Malcolm reveals how Baillie Gifford’s fund management team build an “investment hypothesis” for each company they choose to back, and why every investor should build a “coffee can portfolio” of shares they’d like to hold for 20 years. We also hear from FT investment columnist Merryn Somerset Webb who is less upbeat about China’s long-term prospects.

Further reading:

To listen to Merryn’s own Investment Masterclass, click here

Read the FT’s profile on Baillie Gifford here

Follow Claer on Instagram and Twitter @ClaerB and send her a DM if you’d like to appear as a future guest, or email the team on money@ft.com

The podcasts Malcolm mentioned are:

Farnam Street

https://podcasts.apple.com/gb/podcast/the-knowledge-project-with-shane-parrish/id990149481

Coburn Ventures

https://open.spotify.com/show/3aKPYkLblhxAAPMj3BCgR6?si=QmAPgFCUSVWA5ENKXETuJA

Patrick O’Shaughnessy

https://open.spotify.com/show/22fi0RqfoBACCuQDv97wFO?si=QjYqX5dVRLC2K6e2uf8zyA

Presented by Claer Barrett. Produced and edited by Clare Williamson and Persis Love. Sound design by Breen Turner.

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Martin Lewis on what the student loans shake-up could cost you

Tue, 19 Oct 2021 04:00:00 GMT

Students were up in arms after reading the Financial Times scoop that the UK government is considering lowering the salary level at which graduates have to start repaying their loans.

Currently, student loan repayments start when you earn more than £27,225 per year, but the FT has reported this could be reduced to around £23,000 in future. Any changes are expected to apply retrospectively to those who started university courses after 2012, including this week’s podcast guest, 24-year-old graduate Ola, who fears how much any changes could cost her.

“If this is retrospective, then for me it's a breach of natural justice and it's certainly something I would be yelling about,” Martin Lewis tells Claer. “Should students be scared? Yes.”

As well as exploring the likely impact on young people’s budgets, we hear from FT reporter Bethan Staton about the political motivation for any changes to the loans system.

Further reading:

Vote for Money Clinic in the Lovie Awards here (deadline Thursday Oct 21)

Check out Claer’s free to read FT column on how student loan changes could add up for you

Watch Martin’s YouTube video on why he opposes changes to the system

Here’s the original FT news story on the expected changes

Follow Ola on Instagram @AllThingsMoney

Follow Claer on Instagram and Twitter @ClaerB and send her a DM if you’d like to appear as a future guest, or email the team on money@ft.com

Presented by Claer Barrett. Produced and edited by Persis Love. Sound design by Breen Turner.

Hosted on Acast. See acast.com/privacy for more information.

'My life expectancy was 9 years old': Why I never thought I’d need a pension

Tue, 12 Oct 2021 04:00:00 GMT

Plenty of people in their 30s, 40s and even 50s have yet to start saving for retirement, and are anxious about how to begin. Today’s show is packed with tips for so-called ‘late starters’ like this week’s guest David, who is 38 and self-employed. Incredibly, David is planning for a retirement that he never thought he’d live to see. As Claer hears, a revolutionary new treatment for cystic fibrosis has transformed his life expectancy. Financial experts Claire Walsh and Moira O’Neill offer guidance for fellow late starters, weighing up the merits of pensions and stocks and shares Isas. Plus, they advise David how to factor in the additional challenges of living with a disability.

Further reading:

Check out our episode on finances for the self-employed here

Or listen to our episode about tracking down and consolidating old pensions

Moira’s FT column about pension saving in your 40s is available here

Claire Walsh’s website is here

The Cystic Fibrosis Trust has published this guide about employment rights

Presented by Claer Barrett. Produced and edited by Persis Love. Sound design by Breen Turner.

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'Bitcoin is the best form of money': Investment notes from a crypto expert

Tue, 05 Oct 2021 04:00:00 GMT

Peter McCormack, bitcoin bull and voice of the hugely popular 'What Bitcoin Did' podcast, joins Claer for a Money Clinic Investment Masterclass about cryptocurrencies. Recently back from a trip to El Salvador, the first country to make bitcoin legal tender, Peter tells Claer why he believes the cryptocurrency is the 'best form of money' and why regulatory crackdowns, volatile pricing swings and the divergent opinions of professional investors have failed to dampen his enthusiasm. An investor with a long-term view, Peter shares the highs and lows of his personal investment journey, and sets out the risks younger investors should know about before risking a single satoshi. With insight from Katie Martin, the FT’s market’s editor.

Further reading:

Check out Peter’s podcast 'What Bitcoin Did'

Have you heard this Money Clinic episode? “Bitcoin: I’ll either be rich, or wrong”

There’s a free-to-read column from Claer: Why young investors bet the farm on cryptocurrencies

Here’s Vijay Boyapati’s The Bullish Case for Bitcoin

Presented by Claer Barrett. Produced by Clare Williamson. Edited by Persis Love. Sound design by Breen Turner.

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Flying solo with your finances: managing money as a single person

Tue, 28 Sep 2021 04:00:00 GMT

Further reading:

Here is Francesca Specter’s Alonement site

Iona Bain’s Young Money blog

Listen to our previous episode about budgeting

If you want to get started in investing, listen to this episode

A free-to-read column about the costs of dating

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Investment Masterclass with the Naked Trader

Tue, 21 Sep 2021 04:00:00 GMT

Forget about being a day trader, you need to let the money come in slowly and take a serious, business-like approach if you want to succeed - that’s the advice of Robbie Burns, better known as the Naked Trader. In this Money Clinic special Investment Masterclass Robbie shares his top tips about getting into trading - from whether you can combine trading with a full time job, why you need to be like a detective, what shares to be careful of and learning from his mistakes.

Further reading:

-Here is Robbie’s Naked Trader site

-Listen to our previous episode about the advantages of tax free ISAs

-If you want to get started in investing, listen to this episode

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Could you retire in your thirties with FIRE?

Tue, 14 Sep 2021 04:00:00 GMT

Further reading:

-Here is Mr Money Mustache’s blog

-You can get involved in the FIREUK subreddit here

-If you want to get started in investing, listen to our previous episode

-Claer’s free-to-read column about the problems with FIRE is here

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Money Clinic meets Joe Lycett

Tue, 07 Sep 2021 04:00:00 GMT

In an extra special Money Clinic Meets, Claer Barrett interviews Joe Lycett, the consumer campaigner and TV comedian. As the new season of his award winning show Joe Lycett’s Got Your Back returns to Channel Four, he drops into the Financial Times studio to tell us what he really thinks about the world of finance.

Joe shares his own personal money story - including his charity shop thrifting, ESG investments and money rules - and the pair discuss why holding big consumer corporations to account is important. Plus, we get the low down on why Joe recently stormed off a daytime TV appearance.

If you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

If you want to read more about the topics covered in this week's episode, check out the following free to read FT articles:

Clear wrote about rental fraud and the trap Joe laid for an unwitting scammer: Renters Beware is the column, and Joe’s telling of the story is available on YouTube.

Summer vacations may be over, but car hire firms are still using high pressure sales tactics. Read about Joe’s consumer investigation: Don’t let politicians ruin your half-term holiday

Say hello on social media:

You can follow Claer on Twitter and Instagram @Claerb

You can follow Joe Lycett on Twitter and Instagram @JoeLycett

You can follow FT Money on Twitter @FTMoney

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Repeat - Financial tips for the self-employed

Tue, 03 Aug 2021 04:00:00 GMT

REPEAT: Have you ever dreamt of starting your own business? It might sound more fulfilling — but being an employee has some perks you might miss. 33-year old Rhiannon set up her first business three years ago, offering virtual PA services. Even though she’s making a profit, Rhiannon is struggling to find a mortgage lender who will help her buy a property. Plus, she’s unsure about whether to leave her savings in cash — or risk tying them up inside a pension. Expert help is on hand from Holly Mackay, founder of Boring Money and mortgage broker Will Rhind from Habito.

Further reading:

-Writing a will is one thing that’s been on Rhiannon’s financial to-do list for a while. Listen to this Money Clinic to find out how to set one up online.

-The pandemic has been tough on the self-employed. This Money Clinic with jewellery designer Roseanna Croft has expert tips to turn around a small business

-Pensions have long been an issue for the self-employed. This free-to-read FT column has practical tips: Self-employed women - how good is your pension?

-This free-to-read FT piece reviews the apps that can help the self-employed manage their finances

-And this Money Clinic from the New Year has the lowdown on wills

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Repeat - How can I get started as an investor?

Tue, 27 Jul 2021 04:00:00 GMT

REPEAT: In this week's episode of the Money Clinic, Claer chats to Naureen about getting started in investing. Naureen had a wake up call when she received her annual pension statement through the post, and saw that her projected income in retirement would not even cover the basics. But with so much information out there on investing, she doesn’t know where to begin. Experts Jason Butler, the FT columnist and Charlotte Brayton, financial planner at James Hambro & Partners join Claer to give their two pennies worth.

If you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

If you want to read more about the topics covered in this week's episode, check out the following FT articles - some of which are free to read:

Even if you are not a fan of 90s rapper Vanilla Ice, Claer’s free primer on the tax advantages of investing through a stocks and shares Isa is a must-read for UK listeners: https://www.ft.com/content/684dbb86-40b4-11e9-b896-fe36ec32aece

If you want to read more about budgeting, here is another free column of Claer’s: https://on.ft.com/2WTh1PP

A more serious read for investors to get their teeth into is this piece by John Kay - How to build your own investment portfolio with £10,000: https://www.ft.com/content/24b98a82-b55e-11e6-961e-a1acd97f622d

We also heartily recommend John Kay’s book "The Long and the Short of It - A guide to finance and investment for normally intelligent people who aren’t in the industry".

Say hello on social media:

You can follow Claer on Twitter and Instagram @Claerb

You can follow Jason Butler on Twitter and Instagram @JBtheWealthMan

You can follow FT Money on Twitter @FTMoney

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Bonus episode - Help! I lost all my savings to a scammer

Tue, 20 Jul 2021 04:00:00 GMT

Would you fall for a £17,000 scam? You might think you are too smart to be duped by fraudsters, but under lockdown, criminals have come up with frighteningly convincing ways of parting us from our hard-earned cash. Claer Barrett talks to 31-year-old listener Jenny about how professional scammers conned her out of £17,000 after she clicked on a text message - and the battle she’s fighting with her bank to get the money back.

Bank fraud expert Steven McMillan provides practical advice about spotting scams and how criminals use ‘phished’ data to fool victims, and Gareth Shaw from Which? tells listeners how to get compensation if they fall victim.

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Bitcoin: “I’ll either be rich, or wrong”

Tue, 25 May 2021 04:00:00 GMT

When 29-year-old Sam found out that his younger brother had made £30,000 trading bitcoin, he couldn’t believe what he was hearing. The self-employed musician decided to put the last £2,000 of his savings into various cryptocurrencies, hoping he could double his money. However, wild swings in crypto valuations are proving a test of his strategy. Presenter Claer Barrett explores the highs and lows of investing in cryptocurrencies with experts Abhishek Sachdev, a professional investor who has personally invested £20,000, and Eva Szalay, the FT’s currencies correspondent. They discuss crypto’s long-term potential as an asset class and the risks that investors such as Sam need to be aware of, as well as the allure of investing in highly volatile unregulated assets. Review clips: BBC Newsnight, CNBC.

If you would like to be a guest on Money Clinic and chat to Claer about a money issue that’s bothering you, get in touch — our email is money@ft.com -— and you can follow Claer on Twitter and Instagram @ClaerB.

Further reading:

-Read Eva Szalay’s article Bitcoin: too good to miss, or a bubble ready to burst?

-Following Elon Musk’s tweets about the environmental impact of mining Bitcoin, check out this FT article Bitcoin’s growing energy problem: ‘It’s a dirty currency’

-Here is how the FT covered the story of the Bitcoin price crash last week

-Check out our recent investment masterclass episode with FT columnist Merryn Somerset Webb, where she chats to Claer about Bitcoin and all kinds of other investment trends

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How can I change my money mindset?

Tue, 18 May 2021 04:00:00 GMT

It’s easy to create a budget to manage your spending - but can you stick to it? 32-year old project manager Rosie contacted Money Clinic as she kept making the same mistakes. Despite starting the month with good intentions, online shopping sprees frequently pushed her into the red. Battling with ‘buyer’s remorse’ as she returned her impulse purchases, Rosie asked Claer what psychological factors could be causing her to break the budget? Tim Harford, FT columnist and author, turns to behavioural economics to show how we can train our brains to resist the urge to splurge. Financial coach and blogger Ellie Austin-Williams, known online as This Girl Talks Money, encourages Rosie to explore her ‘money mindset’ and probe her emotional connections with money.

If you would like to be a guest on Money Clinic and chat to Claer about a money issue that’s bugging you, get in touch — our email is money@ft.com. Follow Claer on Twitter and Instagram @ClaerB.

Further reading:

Tim Harford writes the ‘Undercover Economist’ column in the Financial Times. His bestselling book How to Make the World Add Up is out now in paperback. Follow him on Twitter @TimHarford

Read Ellie Austin-Williams’s blog on exploring your ‘money mindset’ on her website This Girl Talks Money and follow her on Instagram @ThisGirlTalksMoney

If like Rosie, you need some help working through maternity pay and pensions issues, check out our previous episodes Will having a baby break my finances? and Should I combine my pension pots?

And if you’re after budgeting tips, check out Claer’s recent column: Lock down your budget before the economy opens up

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Could I borrow to invest?

Tue, 11 May 2021 04:00:00 GMT

Accountant Peter knows that to grow a business, you have to take on debt. But can he apply that same logic to his personal finances? He tells Claer how he is tempted to take out a bigger mortgage against his London flat and invest that money in a buy-to-let property - or even in the stock market. Has he come up with a brilliant shortcut to making some extra money, or is his plan to leverage up a recipe for disaster? Personal finance expert and FT columnist Jason Butler stresses that debt is no shortcut to wealth, while the FT’s European economics commentator Martin Sandbu looks at recent consumer debt trends.

If you are a regular Money Clinic listener and want to be in with a chance of winning £250, then let us know what you think of the show at www.ft.com/moneyclinicsurvey

If you would like to be a guest on Money Clinic and chat to Claer about a money issue that’s bugging you, get in touch — our email is money@ft.com

Claer and Jason will be doing an Instagram Live on Tuesday 18th May at 7.30pm UK time discussing the issues raised on this episode. If you would like to take part and ask questions, follow Claer @ClaerB or Jason @JBtheWealthman on Instagram

Investment masterclass with Merryn Somerset Webb

Tue, 04 May 2021 04:00:00 GMT

Retail is not dead. Brexit could help UK companies. Take a small punt on bitcoin, keep your money invested in fossil fuel companies, and reassess your holdings in expensive tech stocks. These are pretty punchy opinions about the investment world — and they come from one of the FT’s top opinion writers, columnist Merryn Somerset Webb. In this special episode of the Money Clinic podcast, Merryn chats to presenter Claer Barrett about her personal investment strategy — and the forces she believes will shape the stock market in the years to come.

Listeners should be aware that the discussion of investment trends on this podcast is for information only, aimed at people who feel confident making their own investment decisions. It doesn’t constitute an investment recommendation, or individual financial advice — if you want that, you’ll need to see an independent financial adviser.

Find out more:

- Both Merryn and Claer write a weekly column in the FT Weekend and you can follow them on Instagram and Twitter @MerrynSW @Claerb

- Hear Merryn’s tips for 19-year-old investor Ross in a previous Money Clinic, Beyond GameStop: The day trader turned investor

- For a different take on ESG investing, check out this episode Can ESG investing really change the world? And if you’re new to investing, listen to How can I get started as an investor?

- If you would like to chat to Claer about a real-life money problem on a future episode of the podcast, then drop us an email: money@ft.com

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The finances of moving overseas

Tue, 27 Apr 2021 04:00:00 GMT

If I take a job outside the UK, what are the options for my investments, property and pension?

After months spent in lockdown, 31-year-old finance professional Viktoria is longing for a change of scene, and is planning to relocate overseas.

She talks to Claer about her desire to escape the corporate lifestyle in London and her concerns about what would happen to her property, pensions and investments if she were to uproot.

David Denton, chartered financial planner at Quilter International, reveals the financial dilemmas commonly faced by Brits taking jobs overseas, and what someone in Viktoria’s position needs to consider. Theresa Wallace of property firm Savills talks through the pros and cons of renting out your home versus selling it when you move to another country.

Useful links:

For tips and guidance on investing in ISAs, listen to How can I get started as an investor?

If you’re considering becoming a landlord and want to know more, check out Should I rent out my property?

The FT’s Family Money columnist Lucy Warwick-Ching has some useful articles on the tax implications of working abroad during lockdown, and the need for sound financial advice when moving abroad. You can follow her on twitter here.

Follow Claer @ClaerB on Instagram and Twitter. If you’d like to talk about a real-life money problem on a future episode of the podcast, then drop us an email money@ft.com

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Money Clinic meets Anne Boden

Tue, 20 Apr 2021 04:00:00 GMT

Anne Boden spent over three decades in the traditional banking sector, watching the world around her being transformed by technology. In 2014, she decided that the time had come for banking to undergo the same shift, and quit her job to found Starling Bank. Since then, Anne has built Starling from an idea into a digital bank with 2m customers.

Claer talks to her about making the leap into fintech, the determination needed to turn an idea into a business and how she persuaded investors to back her. Budding business owners should sit tight as Anne shares some of the key lessons she learnt along the way - and why she thinks we should prepare for cash to completely disappear.

Read Claer’s review of Anne Boden’s autobiography, ‘Banking On It: How I Disrupted an Industry’. If you want to know more about how Anne Boden set up Starling Bank, you can buy a copy here.

Follow Claer @ClaerB on Instagram and Twitter. If you’d like to talk about a real-life money problem on a future episode of the podcast, then drop us an email money@ft.com

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Can my money help save the planet?

Tue, 13 Apr 2021 04:00:00 GMT

Making the ‘greener choice’ comes naturally to listener Ros. As more people become increasingly aware of how their daily decisions affect the environment, Ros is wondering if she can make a difference to the planet - and her pocket - through her bank account, pensions and plans for investing. Claer talks to the FT’s Alice Ross, author of 'Investing to Save the Planet' and Bevis Watts, chief executive of Triodos Bank UK. Review clip: Global Ethical Finance Initiative.

If you would like to be a guest on Money Clinic and chat to Claer about a money issue that’s bugging you, get in touch — our email is money@ft.com or follow her on Instagram and Twitter @ClaerB

Further reading:

-Follow Alice Ross on Twitter and check out her book here

-To read further about greening your money, check out Ethical Consumer Magazine, Good with Money or Make My Money Matter

-You can read an FT interview with Bevis here or check out the FT’s climate hub for the latest on climate change

-For a deep dive into ESG investing, listen to this episode of Money Clinic

-Here’s some further reading on Danone’s sustainability credentials and on Natwest’s climate pledge

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Will having a baby break my finances?

Tue, 06 Apr 2021 04:00:00 GMT

Jenny and her partner are planning to have a baby but, beyond forking out for nappies and a pushchair, she has no idea how much becoming a parent will cost. How big a budget will the couple need to cover parental leave, childcare costs, and other unexpected expenses? Claer talks to Tobi Asare, founder of parental finance blog My Bump Pay, and Maike Currie, FT columnist and investment director at Fidelity International.

If you would like to be a guest on Money Clinic and chat to Claer about a money issue that’s bugging you, get in touch — our email is money@ft.com or follow her on Instagram and Twitter @ClaerB

Further reading:

-Tobi’s blog My Bump Pay can be found here and has a wealth of resources for soon-to-be parents and she is on instagram @mybumppay You can download her baby equipment spreadsheet here, or use her planner to calculate how to spread out the ‘income shock’ of parental leave

-Follow Maike Currie on Twitter @MaikeCurrie and check out her FT columns here

-Check if you are eligible for the UK government’s Tax-Free Childcare account

-Hiring a nanny: what I wish I’d known. Click here to read

-More than one million parents in the UK are estimated to have lost state pension credits by mistakenly not registering for Child Benefit. This free article explains what to do

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What happened next: Should I buy a shared ownership property?

Tue, 30 Mar 2021 04:00:00 GMT

Last October Claer spoke to listener Lucy who was on the cusp of buying a shared ownership flat with her partner — but was getting cold feet. The shared ownership model enables buyers to take out a mortgage on part of the property, and pay rent on the rest. Lucy was hoping that this would be her first step towards being able to afford to own 100 per cent of her home, but worried about how much it would cost. Six months later, is she comfortably settled in the flat or did the couple stay renting? Claer hears from experts, independent property expert Henry Pryor and mortgage broker Andrew Montlake from Coreco.

Further reading:

-Henry Pryor tweets @HenryPryor and has a website packed with tips for property buyers

-Andrew Montlake tweets @Montysblog and blogs about the mortgage market (which is genuinely more interesting that it sounds!) Read it here

-This Millennial Money column from Kate Beioley, the FT’s legal correspondent, reveals how being single made it practically impossible for her to pursue the shared ownership route

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What happened next: Pay off the credit card or buy a house?

Tue, 23 Mar 2021 05:00:00 GMT

In this special ‘What happened next’ Money Clinic episode, Claer catches up with US financial services worker Josh. When they spoke last October, he was hiding thousands of dollars in credit card debt from his wife. Under lockdown, the couple had managed to save up enough money to pay them off - but she wanted to use this cash for a deposit on their first home. The podcast experts had plenty of advice about dealing with credit card debt, and what could happen if Josh took on even more debt with a mortgage. Six months later, has he paid off his debt and cut up his cards, did he buy a property, and are he and his wife still talking openly about money? The experts were Sara Williams aka The Debt Camel, and the FT’s US finance editor Robert Armstrong. The original podcast was released on October 20 2020.

If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com, with a brief description of your story. Follow Claer @Claerb and read her Serious Money column.

Further reading:

-Free UK sources of debt advice include StepChange and Citizens Advice

-In the US the government’s Dealing with Debt has plenty of pointers

-Read, for free, Claer’s article on the UK’s biggest debt helpline and advisers’ tips, and her column Six ways to manage money - and not fall out with your partner

-For a different take on debt, listen to this previous episode: Starting your debt free journey

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What happened next: The jeweller redesigning her business

Tue, 16 Mar 2021 05:00:00 GMT

Claer catches up with 30-year-old jewellery designer Roseanna Croft. When they spoke last October, her small business was reeling from the impact of coronavirus and cancelled weddings. Money Clinic experts advised Roseanna on accessing financial support, and finding a new direction for her business under lockdown. Five months on, has she managed to hammer out her financial issues? The experts were Suli Breaks, the entrepreneur, poet and presenter of the 7even Figures Business podcast, and Andy Chamberlain, head of policy at the Association of Independent Professionals and the Self Employed. The original podcast was released on Nov 10th 2020.

Further reading:

-Claer has written extensively about issues facing small business owners during the pandemic, and has more advice in this recent Money Clinic

-Follow Suli @SuliBreaks and Andy @AndyChamberlain

-The IPSE website has lots on the help available for the self-employed and limited company directors

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Beyond GameStop: the day trader turned investor

Tue, 09 Mar 2021 05:00:00 GMT

Young investors have rushed to open day trading accounts under lockdown, using tips gleaned from chat rooms and social media as they attempt to make a fast buck. But betting on short-term market movements carries a high risk of losing money — something that 19-year-old Ross has found out the hard way trading stocks like GameStop and AMC. If he invested his money for a matter of years instead of a matter of minutes, would he get a better return? Claer Barrett hears from experts Merryn Somerset Webb, the FT columnist and editor-in-chief of MoneyWeek, and Damien Fahy, founder of investment website Money to the Masses.

-Claer’s thoughts about good investment habits to build for the future: Where do the next generation of investors go from here?

-Merryn Somerset Webb’s column every Saturday in the Weekend FT. Follow her @MerrynSW

-Damien Fahy’s website Money to the Masses for information about investing, including a blog about his own £50,000 portfolio and a podcast. Follow him @Money2theMasses

-And finally… those book recommendations. From Merryn: Investing for Growth by veteran fund manager Terry Smith; Effective Investing by former Hargreaves Lansdown research director Mark Dampier, and The Anatomy of the Bear by Russell Napier, the equity market strategist (disclaimer: Merryn wrote the introduction to the new edition). From Damien: How to own the world by Andrew Craig, adding that this book “explores the whole concept of why you’d want to invest”

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Money Clinic meets Gina Miller

Tue, 02 Mar 2021 05:00:00 GMT

Gina Miller’s campaigning spirit has made her front-page news — but what’s less well known is the personal story behind her own financial journey.

As one of the highest profile women working in the City of London, the anti-Brexit campaigner has raised awareness of unfair investment charges, the impact of the gender pay gap and the need for women to embrace investing. Her latest fear? That the pandemic has set back women's’ careers and earnings prospects.

In honour of International Women’s Day next week, the co-founder of wealth management firm SCM Direct chats to Claer for a special edition of Money Clinic.

Aptly, the theme of IWD this year is Choose to Challenge. Follow the hashtags #ChoosetoChallenge and #MoneyClinic on social media, and follow Claer and Gina @Claerb and @ThatGinaMiller.

If you would like to be a guest on Money Clinic and chat to Claer about a money issue that’s bugging you, get in touch - our email is money@ft.com

If the podcast has left you wanting to learn more about managing your money, this free to read column by Claer is a great place to start - Six financial mistakes that women need to avoid.

Finally, we promised to link to some sources of support for who are experiencing domestic abuse or seeking to leave abusive relationships. Here are links to the websites of UK charities Refuge, Women’s Aid and Respect Men’s Advice Line (for male victims of domestic violence). For listeners in the US, this website has links to charities and organisations.

Acknowledgements: Brass in Pocket by The Pretenders. Hipgnosis.

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Financial tips for the self-employed

Tue, 23 Feb 2021 05:00:00 GMT

Have you ever dreamt of starting your own business? It might sound more fulfilling — but being an employee has some perks you might miss. 33-year old Rhiannon set up her first business three years ago, offering virtual PA services.

Even though she’s making a profit, Rhiannon is struggling to find a mortgage lender who will help her buy a property. Plus, she’s unsure about whether to leave her savings in cash — or risk tying them up inside a pension. Expert help is on hand from Holly Mackay, founder of Boring Money and mortgage broker Will Rhind from Habito.

Further reading:

-Writing a will is one thing that’s been on Rhiannon’s financial to-do list for a while. Listen to this Money Clinic to find out how to set one up online.

-The pandemic has been tough on the self-employed. This Money Clinic with jewellery designer Roseanna Croft has expert tips to turn around a small business

-Pensions have long been an issue for the self-employed. This free-to-read FT column has practical tips: Self-employed women - how good is your pension?

-This free-to-read FT piece reviews the apps that can help the self-employed manage their finances

-And this Money Clinic from the New Year has the lowdown on wills

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Starting your debt free journey

Tue, 16 Feb 2021 05:00:00 GMT

Many people would like to move to a life with less or no debt, but taking the first step requires great courage. This week Claer hears from a couple in their 30s who have each run up large credit card debts. Duncan and his partner found that the pandemic made their debt problems worse. How can they get their finances back on track? Could a debt adviser help? Chris Browning, presenter of US podcast Popcorn Finance, has practical tips, and debt advice specialist Alan McIntosh explores different solutions.

Further reading:

-If you’re struggling with problem debt, this week’s experts say don’t wait for things to get worse before seeking advice. The earlier you seek help, the more options you’re likely to have

-Free UK sources of debt advice include StepChange and Citizens Advice

-In the US the government’s Dealing with Debt has plenty of pointers

-For a different take on debt and budgeting, check out this previous episode: Should I pay off my credit cards, or buy a house?

-Read, for free, Claer on the UK’s biggest debt helpline and advisers’ tips

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How can I use Isas to invest or buy a property?

Tue, 09 Feb 2021 05:00:00 GMT

With “Isa season” fast approaching in the UK, Claer explores how young people can use the popular tax-free accounts to invest or buy their first property. This week, she meets Ryan, a 22 year old graduate who confesses he has three Isa accounts, but doesn’t know how best to use them — or how to unlock savings bonuses potentially worth tens of thousands of pounds. Expert and practical help is on hand from Harleigh Reid, who used a Help to Buy Isa to buy her first flat at the age of just 24, and Young Money blogger Iona Bain who explains the rules of the new Lifetime Isa, which can be used for property or investing.

Further reading:

-If you’re new to investing, listen to this past Money Clinic episode on starting out

-If you’re ready to rock with an investment Isa, check out this free-to-read FT column by Claer

-Harleigh Reid also hosts her own YouTube channel

-Iona Bain shortly releases her second book on investing and features in the FT talking about her Lifetime Isa

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How can my small business survive Covid?

Tue, 02 Feb 2021 05:00:00 GMT

This week, Claer meets Lowri, who runs a small events business. She’s had no work for nearly a year, and as a director of her own limited company is one of an estimated 3m people in the UK who has fallen through the cracks of government support. Living on state benefits and reliant on her local food bank, Lowri’s previous experiences of business failure have prepared her for what she fears is to come. Legal and insolvency experts provide practical tips for small business owners in a similar situation, and we have the latest on the growing political campaign for directors to be included in UK government grants.

Thanks to podcast experts Rebecca Seeley Harris, founder of Re Legal Consulting, and Peter Sargent, insolvency expert and consultant at Quantuma

Further reading:

Read the FT story about how 262 MPs have backed Rebecca’s campaign to reform coronavirus support measures

If your business is in financial trouble, here are links to some free sources of support mentioned in the podcast:

Business Debtline

Forgotten Ltd

Excluded UK

The charity Turn2Us has a very user friendly benefits calculator

If you are looking for more information about finding an insolvency practitioner, please see:

The Insolvency Service

R3 (the trade body for insolvency practitioners)

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Should I rent out my property?

Tue, 26 Jan 2021 05:00:00 GMT

Disruption from the pandemic has created plenty of ‘accidental landlords’ - homeowners with an empty property they could potentially let out. This week’s guest, Jeremy, has relocated for work - he’s renting a room in a shared house, but wants to make some cash renting out his former home. He asks Claer what taxes he’d have to pay, the rules he’d have to comply with, whether or not to use a letting agent, and how to assess whether becoming a landlord makes sense financially. Expert guidance is provided by professional landlords Ayesha Ofori, founder of the PropElle network for female property investors, and David Lawrenson, author of the bestselling book Successful Property Letting.

Further information:

-David Lawrenson took part in a live Q&A with FT readers last year on renting property

-Read this FT Money article on ways landlords are tackling the effects of the pandemic

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Help! I need to sort out my pensions

Tue, 12 Jan 2021 05:00:00 GMT

Putting all of your pension savings in one place to make it easier to manage your retirement plans sounds like a sensible idea — but it’s not necessarily the right solution for everyone. Claer Barrett meets 51-year-old Tina who has spent lockdown searching for all of her old pensions: some have performed better than hoped, but others have had high charges, and she has a gap in her UK state pension contributions due to working overseas. Experts Sir Steve Webb of Lane Clark & Peacock and Catherine Morgan, a financial planner behind the ‘In Her Financial Shoes’ podcast, provide tips for people of all ages looking to sort out their pension savings.

Further reading:

Let’s start with the basics. If you’re struggling to get your head around what a pension is, why you need one, and how they work, then check out this free to read column from Claer, A lunchtime lesson about pensions for millennials. Also Claer has written on the pandemic and pensions planning

Tina’s first task was to work out what she had in which pensions, and where. To track down lost pensions, try the UK government’s Pensions Tracing Service, which is free to use - but please do be careful of copycat websites run by commercial firms

The UK government page Your State Pension Explained contains more information on what counts as a qualifying year

Read this UK government advice page about making extra National Insurance contributions to your UK state pension

Contact the Future Pension Centre to find out if you would benefit from voluntary NI contributions

The UK government’s International Pension Centre provides advice and information for those who have lived or worked overseas

Emma Maslin, who blogs as The Money Whisperer, wrote this FT column asking self-employed women how good their pensions are

Finally, if you need some further pensions inspiration on social media, you can follow Catherine Morgan on Instagram

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What’s your financial New Year’s resolution in 2021?

Thu, 31 Dec 2020 05:00:00 GMT

2020 was a turbulent year for most people’s finances, but the new year provides the perfect opportunity to set some ‘financial resolutions’. The guests on the first podcast of the New Year, couple Toby and Siobhan, are looking for some ‘fin-spiration’ to get their money working harder in 2021. They’ve paid off their credit cards under lockdown, and are wondering where to direct their spare cash: overpay the mortgage, or put more into pensions or other investments? There’s also one financial to-do that they’re been putting off for a long time: making a will. Money experts Ken Okoroafor from The Humble Penny and Dan Garrett, co-founder of digital will-writing service Farewill, provide some useful tips.

Further reading:

-You can follow Ken Okoroafor on Instagram

-If you’re looking for fresh ideas about what to do with your money in 2021, Claer has asked podcast hosts from the finance and business world to share their financial New Year’s Resolutions for 2021. Covering investing, saving, financial planning and side hustling, you can read insights from Patricia Bright (Caught Off Guard), Emma Gannon (Ctrl Alt Delete), Chris Browning (Popcorn Finance), the FT’s former editor Lionel Barber (What’s Next?) and many more.

-Here’s some further reading for listeners who are considering making a will. The pandemic has forced through legal changes making it much easier for people in England and Wales to make a ‘digital will’ online. Read this FT Money piece to find out how

-For a more general grounding on wills, read this FT article - 10 things you need to know before making a will

-And here’s a useful Money Clinic podcast on credit card debt. Claer finds how to keep credit card spending under control

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Ideas for your finances in 2021

Tue, 22 Dec 2020 05:00:00 GMT

Money Clinic is taking a break until December 31st, so why not delve into our back catalogue of podcasts to find useful discussions on how to manage your money during the pandemic, from starting in investing and shared ownership to the dangers of 'money mules' and moving into a second career. Our next episode focuses on how best to plan your finances in the New Year while Covid-19 continues to affect all our lives.

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Should I quit Wall Street to pursue my passion project?

Tue, 15 Dec 2020 05:00:00 GMT

She earns a six-figure salary working an 80-hour week on Wall Street but 20-something Anna spends her spare moments dreaming about starting her own business. She chats to presenter Claer Barrett about the challenge of resisting “lifestyle creep” - the pressure to spend more as you earn more - in New York City. But how much will she need to save up to support herself if she pursues her passion project? Experts Bola Sokunbi, the founder of Clever Girl Finance, and Emilie Bellet, founder of Vestpod, share stories of how they quit high-flying jobs to launch their own personal finance platforms - and have plenty of tips for listeners who are tempted to go it alone.

Further reading:

-If all this talk of ‘lifestyle creep’ has inspired you to take a closer look at your spending habits, check out this free to read FT column by Claer which is packed with budgeting tips: Simple rules for managing your money

-Clever Girl Finance, the personal finance platform founded by podcast guest Bola Sokunbi, is full of free content, courses and resources covering all kinds of financial issues. You can hear more from Bola on her Clever Girls Know podcast, follow her on Instagram @CleverGirlFinance and check out her book, Clever Girl Finance: Ditch debt, save money and build real wealth

-Emilie Bellet quit her City of London career to found Vestpod, a platform dedicated to empowering women on their investing journey where you can sign up to her free weekly newsletter. Follow Emilie on Twitter and Instagram, and check out the Vestpod Facebook group. She also presents a weekly podcast The Wallet and her first book is called You’re not broke, you’re pre-rich

-Anna's project is Young Money Plans

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The dangers of being a ‘money mule’

Tue, 08 Dec 2020 05:00:00 GMT

If you’re offered the chance to make some easy money during the pandemic, what should you do? Money Clinic was emailed by 19-year-old student Henry who, along with many of his friends, had been contacted on Snapchat and Instagram and asked: ‘Do you want to make money working from home?’ To earn a few hundred pounds, students are being asked to open bank accounts, then receive and transfer money. This may sound innocuous. But as presenter Claer Barrett reveals, acting as a ‘money mule’ is a criminal offence, and could involve money laundering. Reformed fraudster Tony Sales and anti-fraud expert Mike Nathan explain how it works and how to stay safe online.

If you would like to talk to Claer for a future episode, please email the Money Clinic team at money@ft.com with a short description of your dilemma, and how you would like us to help. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.

Further reading:

-If you have been a victim of cyber crime, or want to report a scam attempt, here are the agencies to contact, depending on where you’re based, in the UK, the US or Europe

-Claer’s FT column this week goes into much greater detail about money muling, and how parents can spot the signs

-Claer won a Wincott Award for this 2018 column exposing “Modern Day Bank Robbery”, which highlights the techniques criminals use to steal money from the unwary online

-You can also read Claer’s column: Don’t fall for these 10 financial scams

-And Tony Sales, the reformed criminal we heard from on today’s show, will shortly be releasing his autobiography - The Big Con: How I stole £30m and got away with it, published by Mirror Books

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How to start a side hustle

Tue, 01 Dec 2020 05:00:00 GMT

Finding a side hustle that earns you money alongside your main job is an attractive idea — but it can be hard to achieve as Jonny, this week’s guest, has found out, with his side hustles costing him time rather than earning much extra cash. He’s also looking to volunteer as a side hustle to further his ambition of campaigning on personal finance issues, but how can he find the right balance of money and time? Presenter Claer Barrett hears from experts Abadesi Osunsade, founder of Hustle Crew and presenter of the Techish podcast, and Juliet Tomlinson from the Oxford university’s careers service on “success metrics” and acquiring the right skills.

If you would like to talk to Claer for a future podcast episode, she is very keen to find someone who is resolving to sort out their finances for the new year and could do with some expert help. If that sounds like you, please email the Money Clinic team with a brief description of your story to money@ft.com. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.

Further reading:

-If like Jonny, you’re seeking inspiration from how others are earning money on the side, check out this FT Magazine piece — How lockdown encouraged young people to develop their side hustles

-If your side hustle is successful, there could be tax implications, but this piece from FT Money gives some useful tips about tax returns and the kinds of expenses you might be able to offset

-Abadesi Osunsade is the founder of Hustle Crew, which runs workshops and events for people working within the tech space, and presents the Techish podcast which is focused on the intersection of tech, pop culture and life. Follow Abadesi @Abadesi

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The finances of moving in together

Tue, 24 Nov 2020 05:00:00 GMT

Since they moved in together at the start of the UK lockdown in March, Marijke and Danny’s relationship has gone from strength to strength. Marijke owns the flat they both live in — but Danny has recently come into an inheritance and wants to finance building an extension to their home. How can the cohabiting couple structure this arrangement in a way that will be fair to both of them if they later split up? Presenter Claer Barrett seeks guidance from experts, Michael Gouriet, partner in the family law team at Withers, the legal firm, and Angela Marson, chartered financial planner at Fairstone, the financial advisory business.

Further reading:

-Our guests on this episode were shocked to find out that cohabitation is such a ‘grey area’ of the law in England and Wales.

-This FT Money article by Lucy Warwick-Ching — Is my boyfriend entitled to a share of my flat if we split? — covers many of the legal options couples like Marijke and Danny could consider.

-Of course, talking about money is a big issue for many couples. This FT column by Claer — Six ways to manage money and not fall out with your partner — is packed with practical tips and is currently free to read.

-Michael Gouriet, the legal expert featured on this podcast, has also made a more in-depth podcast series with his firm Withers focusing on the issues arising from cohabitation agreements.

Finally, this column by the FT’s economics correspondent Delphine Strauss — Unmarried couples in the UK pay the price of an outdated system — looks at repeated attempts to reform the laws concerning the rights of cohabiting couples.

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Can a second career save my retirement?

Tue, 17 Nov 2020 05:00:00 GMT

For 61-year old Margaret, and millions of other women, being able to retire with a pension has become an unaffordable dream. She has relied on working as a supply teacher to pay the bills. But she says employers don’t want to hire older workers. After many unsuccessful job applications, Margaret has gone back to university to study creative writing and to seek a new career. Lindsay Cook, the FT’s Money Mentor columnist, suggests how women in Margaret’s situation can maximise their retirement income, and Stuart Lewis, the founder of over-50s online community Rest Less, has plenty of tips for older jobseekers.

Further reading:

-The experts had plenty of practical tips for UK listeners looking to get on top of their retirement planning.

-To track down lost pensions, Lindsay Cook suggested that Margaret uses the government’s Pensions Tracing Service, which is free to use. As we said on the show, please be careful of copycat websites run by commercial firms.

-You can also check how many years’ worth of State Pension contributions you’ve made, and what you could receive in retirement

-Looking for a job in your 50s and 60s can be a very challenging and lonely experience, as Margaret has found. Rest Less is an online community and recruitment website for older workers which is packed with all kinds of tips and advice. Membership is free, and has trebled since the start of lockdown.

-Claer’s latest FT column is full of practical advice for job seekers, drawing on a live video Q&A with Jonathan Black, the FT’s “Dear Jonathan’ columnist and director of the careers service at Oxford University. This contains useful suggestions of how to reach out to contacts for help finding your next position, and the strange theory of why wearing smart shoes in Zoom interviews could boost your performance — even though your feet are out of shot!

-Finally, if you’re considering going back to university in later life, you may be concerned about student loans. In the UK, these operate more like a graduate tax than a conventional loan, as this free to read column by Claer explains.

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A young entrepreneur's story

Tue, 10 Nov 2020 05:00:00 GMT

29-year-old jewellery designer Roseanna Croft is having her mettle tested by the pandemic. Wedding cancellations have dented her sales, and now the second UK lockdown threatens Christmas trading. As a limited company director, she has restricted access to government support and must rely on her own efforts to redesign her business plan. Claer finds creative inspiration for Roseanna from Suli Breaks, the entrepreneur, poet and presenter of the 7even Figures Business Podcast, and financial tips from Andy Chamberlain, head of policy at IPSE (the Association of Independent Professionals and the Self Employed).

Further reading:

-Claer has written extensively about issues facing small business owners during the pandemic, and the problems of accessing government support schemes. Her recent FT column Help for the self-employed won’t save everyone is free to read

-Suli presents the 7even Figures podcast, where he interviews an entrepreneur who has set up a business from scratch, finding out how they grew their passion into a million pound company

-Watch Suli in action on his website and follow him on Twitter @SuliBreaks

-Andy Chamberlain is head of policy at IPSE, and tweets @AndyChamberlain

-The IPSE website has a hub full of advice and information for the self employed and limited company directors detailing the help available during the pandemic

-You can follow Claer on Twitter and Instagram @Claerb

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Should I buy a shared ownership property?

Tue, 03 Nov 2020 05:00:00 GMT

Lucy is on the cusp of buying a shared ownership flat with her partner — but she’s getting cold feet. The shared ownership model enables buyers to take out a mortgage on part of the property, and pay rent on the rest. However, Lucy is worried this could be more expensive than she bargained for, and fears she will never be able to afford to own 100 per cent of her new home. Claer hears from independent property expert Henry Pryor and mortgage broker Andrew Montlake from Coreco.

Further reading:

-Henry Pryor tweets @HenryPryor and has a website packed with tips for property buyers.

-Andrew Montlake tweets @Montysblog and blogs about the mortgage market (which is genuinely more interesting that it sounds!) Read it here.

-Claer’s recent column in FT Money tackled the pitfalls of shared ownership properties, the government’s Help to Buy scheme and a mad-sounding new idea to let young people borrow from their pensions to get on the property ladder.

-This Millennial Money column from Kate Beioley, the FT’s legal correspondent, reveals how being single made it practically impossible for her to pursue the shared ownership route.

You can follow Claer on Twitter and Instagram @Claerb

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Can ESG investing really change the world?

Tue, 27 Oct 2020 05:00:00 GMT

Claer Barrett chats to Harri about the challenges of building an ethical investment portfolio. The 29-year old is saving £1,000 a month into his retirement fund, and has noticed a growing array of ESG options (a label applied to investments that address environment, social and governance considerations). Are they genuinely doing good — or have they just done a good job on their marketing? And does investing ethically mean he has to sacrifice some investment returns? Experts Gillian Tett and Moira O’Neill offer their tips.

Further reading:

--Gillian Tett chairs the FT’s editorial board, and set up Moral Money, the FT’s online hub for all things ESG. Read the latest stories and sign up for the twice-weekly newsletter at FT.com/moralmoney (the newsletter is currently free for the first 30 days). You can follow Gillian on Twitter: @GillianTett.

--Moira O’Neill is an investment columnist in FT Money, and the head of personal finance at Interactive Investor. Read Moira’s latest column about why it’s a myth that only the “young and woke” are interested in ESG investment at ft.com/goodmoneyweek. You can follow Moira on Twitter: @MoiraONeill.

--The dilemmas of ESG investors are explored in a forthcoming book by Alice Ross, the FT’s deputy news editor. You can read an extract from Investing to Save the Planet via this link ft.com/investingtosavetheplanet and it will be published by Penguin Books in November 2020.

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Should I pay off my credit cards or buy a house?

Tue, 20 Oct 2020 04:00:00 GMT

Claer Barrett chats to Josh, a high-earner living in New Jersey who has large credit card bills to settle. The 30-something finance worker has spent $20,000 paying for holidays and unexpected bills on his interest-free cards, but his wife is unaware of how much he now owes. Under lockdown, the couple have impressively managed to save more than $27,000. His wife wants to use their savings towards a deposit on a house, but should Josh come clean and pay off some of his card debt? Experts Robert Armstrong and Sara Williams (aka the Debt Camel) offer their tips.

If you would like to talk to Claer for a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. Follow Claer on Twitter and Instagram @Claerb.

Further reading:

--Sara Williams writes the independent Debt Camel blog, offering no-nonsense advice for people who want to get out of debt. Covering debt problems and debt solutions, she has won praise for answering common questions about debt without jargon, and has been a debt adviser in the UK for more than 15 years.

--Robert Armstrong, the FT’s US Finance editor, recently bought a house in Brooklyn, and is already regretting his purchase, as he explains in this column: Was buying a Brooklyn townhouse just before lockdown the worst trade of my life?

--He has also explored the topic of mounting consumer debt in this FT video: Will Covid-19 light the fuse on a debt bomb?

--If, like Josh, you find it difficult to talk openly to your partner about your finances, check out Claer’s column, Six ways to manage money - and not fall out with your partner (which is free to read).

--Last year, Claer spent a day inside one of the UK’s biggest debt helplines and spoke to advisers about how people of all income levels can and do suffer from debt problems — and heard practical tips on what to do about it.

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Advice for graduate job seekers

Tue, 13 Oct 2020 04:00:00 GMT

Could there be a worse year than 2020 to graduate from university? Lockdown disrupted final exams, not to mention final goodbyes - and graduates face one of the toughest recruitment markets in recent times. Claer Barrett chats to 21-year-old graduate Olly. He’s landed a traineeship with a big City of London firm, but his start date has been delayed until January 2021. Other friends have had job offers withdrawn, ending their hopes of renting a London flat together. Olly also worries how Covid-19 could affect his job security and career progression. Can his love of spreadsheets help him budget for the unexpected? With experts Iona Bain and Jonathan Black.

The pandemic has made everyone feel very differently about their finances — and we’ve changed our podcast to reflect this. Every week, Money Clinic features real life stories from FT readers around the world (on a first name only basis) to help everyone get to grips with common financial dilemmas. If you would like to talk to Claer for a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

Further Reading

If you’re about to start your first job, read this column by Claer (she wrote it when her stepdaughter landed her first job). There are tips on setting a budget, and using workplace perks including the company pension and Save As You Earn schemes to maximise your savings: https://www.ft.com/content/4604c988-a7ad-11e9-984c-fac8325aaa04

If you enjoyed hearing Jonathan Black’s careers advice, check out his regular column in the Financial Times where he answers readers’ dilemmas: https://www.ft.com/dear-jonathan

This column, How do I get my first graduate job in a tough economic climate? contains some useful insights from Jonathan and FT readers: https://www.ft.com/content/42ff5dc4-8976-11ea-a109-483c62d17528

Iona Bain is a freelance writer who shot to fame with her hugely successful Young Money Blog, covering everything from budgeting hacks to the best money apps and non-nonsense advice on pensions and investing: https://www.youngmoneyblog.co.uk/

Iona’s next book Own It! How our generation can invest our way to a better future comes out next year, and is available for pre-order now: https://www.amazon.com/Own-generation-invest-better-future-ebook/dp/B08JVFLFFR

Iona regularly writes in FT Money; one of her most recent pieces covers how she uses the Lifetime Isa for under-40s to invest for the future: https://www.ft.com/content/5d6eb1a8-f403-44c0-8ad6-1648460f7900

You can follow Claer Barrett on Twitter and Instagram @Claerb

You can follow FT Money on Twitter @FTMoney

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How can I get started as an investor?

Tue, 06 Oct 2020 04:00:00 GMT

In this week's episode of the Money Clinic, presenter Claer Barrett chats to Naureen, a 37-year old Londoner who has been saving money under lockdown — and now wants to start investing it in the stock market. Naureen had a wake up call when she received her annual pension statement through the post, and saw that her projected income in retirement would not even cover the basics. She is so keen to learn more about investing she has even started a vision board to inspire good financial habits - but with so much information out there, she doesn’t know where to begin. Experts Jason Butler, the FT columnist and Charlotte Brayton, financial planner at James Hambro & Partners join Claer to give their two pennies worth.

The pandemic has made everyone feel very differently about their finances — and we’ve changed our podcast to reflect this. Every week, we feature real life stories from listeners around the world (on a first names only basis) to help everyone get to grips with common financial dilemmas. If you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.

If you want to read more about the topics covered in this week's episode, check out the following FT articles - some of which are free to read:

If you want to read more about budgeting, here is another free column of Claer’s: https://on.ft.com/2WTh1PP

We also heartily recommend John Kay’s book "The Long and the Short of It - A guide to finance and investment for normally intelligent people who aren’t in the industry".

Finally, Claer’s column for Mental Health Week - Worried about money? You are not alone - is free for anyone to read and share via this link: https://on.ft.com/2ZeMMWk.

Say hello on social media:

You can follow Claer on Twitter and Instagram @Claerb

You can follow Jason Butler on Twitter and Instagram @JBtheWealthMan

You can follow FT Money on Twitter @FTMoney

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The ‘silver squeeze’ on retirement hopes

Fri, 19 Jun 2020 12:30:00 GMT

If you’re thinking of taking early retirement - don’t. That’s the blunt assessment from financial advisers on both sides of the Atlantic, who fear that volatility on the stock markets - not to mention pressures within the jobs market - will be a toxic combination for those in their 50s and 60s who are planning to retire. FT Money Show presenter Claer Barrett and guests discuss the practical steps investors can take to secure a better future.

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Growth vs value investing: the gap widens

Thu, 11 Jun 2020 04:00:00 GMT

Crisis? What crisis? On Monday, investors in the main US stock market index, would have been up on the year as the S&P 500, incredibly, regained the group lost to the coronavirus. FT Money show presenter Claer Barrett talks to special guest Merryn Somerset Webb about how globally, markets are getting their mojo back thanks to huge amounts of government stimulus, and big US tech companies like Amazon and Netflix have prospered under lockdown conditions - showing that yet again, investing for growth has trumped investing for value. But how long can it go on for - and should investors fear a second slump?

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How to give money to your children during the pandemic

Thu, 04 Jun 2020 02:30:00 GMT

There’s nothing like a global pandemic to remind people of their own mortality and coronavirus has sent individuals rushing to get their financial affairs in order. In this week's FT Money show presenter Lucy Warwick-Ching talks to guests - Julia Cox, partner at Charles Russell Speechlys and Ian Dyall, head of estate planning at Tilney - about how best to pass money down the generations. From trusts to family investment companies, or regular gifts out of income - how can you give your children or grandchildren money without being hit by high taxes? We discuss the issues.

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Can I get my money back for cancelled flights?

Thu, 28 May 2020 04:00:00 GMT

FT Money presenter Claer Barrett talks to FT columnists Michael Skapinker and Lindsay Cook about the issues travellers are experiencing, which airlines appear to be the best and worst and how UK listeners can go directly to their credit or debit card provider to request a refund for cancelled flights and holidays.

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Will UK taxes have to rise to pay for the pandemic?

Thu, 21 May 2020 04:00:00 GMT

Will UK taxes go up in the near future? A leaked Treasury document shows the government is pondering some taxing questions. In this week's FT Money Show podcast Claer Barrett and guests discuss what could happen - and when. Plus, financial planning is a topic we know many of you are turning to under lockdown - Michael Martin from Seven Investment Management gives some tips on what to prioritise.

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Shoring up your personal finances

Thu, 14 May 2020 04:00:00 GMT

As the chancellor commits to spending billions more on support packages for workers and companies, FT Money presenter Claer Barrett and experts explain what you could claim. Next up on the show, maths teacher and TV personality Bobby Seagull talks about this year’s National Numeracy Day - an opportunity for people of all ages to boost their numeracy and money management skills.

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Learning about money and rich people's problems

Thu, 07 May 2020 04:00:00 GMT

Claer Barrett and Lucy Warwick-Ching discuss covert and overt ways to interest children in learning about money, and columnist James Max reveals that his biggest problem during the lockdown has been keeping his house clean without his regular cleaner.

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Investing through the crisis

Thu, 30 Apr 2020 04:00:00 GMT

Claer Barrett explores some of the biggest issues facing small investors with investment columnist Merryn Somerset Webb and Fidelity’s Maike Currie.

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What you should do if your company wants to cut your pay

Thu, 23 Apr 2020 04:00:00 GMT

There are lots of pressures on household budgets at the current time, but experts on the FT Money show are here to guide you through it. On this week's podcast we’re going to be talking about worker’s rights if companies want to cut their pay; whether you should take a ‘payment holiday on your mortgage’, and how to get a refund on a holiday you can no longer take - our Money Mentor Lindsay Cook is here to help. And with children at home, we’ve also got ideas to inspire them to learn more about money matters - and there’s even a competition parents can enter for sharing their best ideas.

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Individual Savings Accounts - could these tax free wrappers take over from pensions as our preferred savings vehicle?

Thu, 19 Mar 2020 05:00:00 GMT

Could Isas overtake pensions as the UK's tax-saving vehicle of choice? The tax benefits of pensions have been steadily eroded over the past decade but at the same time, Isas have been coming into their own. Most people approaching retirement today will rely on a combination of pensions and Isa income. In this week's show, FT Money Show presenter Claer Barrett takes a break from covering the coronavirus and what it means for your money, and interviews the FT's Money Mentor columnist about why investors like Isas so much and how these investments compare to pensions.

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UK Budget, coronavirus planning and crashing stockmarkets

Fri, 13 Mar 2020 05:00:08 GMT

It's been a week of shock and awe for UK investors. Wednesday started with an emergency interest rate cut from the BoE. New chancellor Rishi Sunak then delivered a Budget full of emergency "first aid" measures to help workers, the self employed and small businesses survive the crisis - and some very unexpected news for wealthy pension savers. And in the meantime - stock markets around the world continue to experience deep falls as central banks work out how to respond to the coronavirus.

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Campaign for clear pension charges, how the coronavirus has hit stock markets and coal fires

Thu, 05 Mar 2020 05:00:00 GMT

Join our campaign for clear pension charges - FT Money has been exploring the impossibility of comparing the costs of drawdown plans. The FT is calling on the pensions and advise industry to be transparent about charges to help people to shop around. In this week's show, FT Money Show presenter Claer Barrett interviews o the FT's pensions expert about our campaign. Next up, the spread of the coronavirus has given world stock markets a nasty turn - FT Moneys' new investment reporter, Madison Darbyshire, talks about how investors are reacting. And finally, to cheer listeners up a bit - James Max, our Rich People's Problems columnist is here to discuss a burning issue - the government's proposed ban on coal fires.

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Split mortgages, scams, and free money for childcare

Thu, 27 Feb 2020 05:00:00 GMT

Do you want to find out how to do the splits on your mortgage? FT Money Show presenter Claer Barrett is not talking about stretching yourself, but instead, how thousands of borrowers are finding their mortgage lender is flexible enough to give them more than one type of mortgage. Next up, nearly a million people reported scam calls, texts or emails from criminals posing as UK tax authority HMRC last year - we tell you how to protect yourself. And finally, despite the rising cost of childcare, statistics show a million parents are not claiming for the tax free childcare they are entitled to - are you one of them?

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Finance on Instagram: what's not to like?

Thu, 20 Feb 2020 05:00:00 GMT

The "Instagram generation" are more famous for sharing consumption-driven images than being savvy with money - but the social media platform is increasingly providing the "inspo" for young people looking to save money, learn to budget, start investing or get out of debt. Presenter Claer Barrett talks to FT Money writer Katharine Gemmell and FT columnist Jason Butler.

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Pensions tax relief, Winter fuel allowance and Britain's house prices

Thu, 13 Feb 2020 05:00:00 GMT

Is time running out for pensions tax relief? Chancellor Sajid Javid is reported to be considering a major shake-up of pensions at the Budget in a months time. The FT's pensions correspondent Josephine Cumbo talks to FT Money editor Claer Barrett about what form this could take. Next up, we debate the value of the Winter Fuel Allowance for wealthy pensioners. And finally, our resident property guru James Pickford on how the next property cycle could turn out.

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Pensions advice, new overdraft rules and Latin terms in the investment world

Thu, 06 Feb 2020 05:00:00 GMT

Have you been mis-sold pensions advice? FT Money Show presenter Claer Barrett talks to the FT's pensions expert Josephine Cumbo about the suitability of financial advice in relation to retirement planning. Next up on the show we discuss how the new bank overdraft rules could affect you. And finally, does your financial adviser speak your language? FT columnist Moira O'Neill has spoken out against the widespread use of Latin terms in the investment world - should it be allowed to continue ad infinitum?

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Stock picking competition, how to get a pay rise and company pensions

Thu, 30 Jan 2020 05:00:00 GMT

Could your stock picking skills beat the market this year? In this week's FT Money Show podcast presenter Claer Barrett talks to FT Markets reporter Robert Smith about the results of our 2019 contest between readers and FT journalists. Plus we give you details of how to enter this year's competition. Next up, January's nearly over but you still have another 11 months to make good on your New Year's resolutions. If you had resolved to get a pay rise or sort out your pension this year, keep listening as help is at hand.

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The $1.6tn US student debt nightmare

Thu, 23 Jan 2020 16:00:00 GMT

Student debt in the US is crippling millions of Americans. Last year the amount students owed came to a total of $1.6tn - that's 8 per cent of the country's national income. This week we hear from one of the 45m students paying back debts to the government. FT Money Show presenter Lucy Warwick-Ching talks to FT reporter Alice Kantor about why university is so expensive in the US compared to the UK and whether there is anything that can be done about it.

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Pensions tax relief, buy to let and buying a new car

Thu, 16 Jan 2020 05:00:00 GMT

The well-advised wealthy are worrying that pensions benefits could be cut. FT Money Show presenter Claer Barrett asks the FT's pensions expert for the details. Next up we discuss whether it's better to invest in buy to let or a holiday let? And if you're thinking of buying a new car you might change your mind about how you finance it after you listen to this podcast.

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Has Harry Potter been a wizard with his finances

Thu, 09 Jan 2020 05:00:00 GMT

Harry Potter will turn 40 in the year 2020, but has he been a wizard with his finances? Presenter James Pickford speculates on his fictional fortune with Moira O’Neill, head of personal finance at Interactive investor - plus we look at the financial impact of a Dry January, and where to find the best deals on gym membership.

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You’ve made a financial mistake - now what

Wed, 18 Dec 2019 05:00:00 GMT

2019 has been a bumper year for bad investments - the unravelling of Neil Woodford's investment empire has left many nursing heavy losses, others have lost money in mini bonds or have money trapped in property funds. Presenter Claer Barrett talks to experts about what people should do if their investments haven't worked. Plus, as we enter the season of goodwill we tell listeners how to talk to their family about money.

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What you need to know before hiring a nanny

Thu, 12 Dec 2019 05:00:00 GMT

Finding suitable childcare is an issue that we know makes many of the FT Money Show listeners bawl so we've invited someone onto the show to try to make sense of it. Today's lead guest on the FT Money Show, Izabella Kaminska, was so struck by the financial complexity of working out the costs of hiring a nanny - from tax, to organising a pension and accounting for various extras - she decided to write about her experiences. On this week's podcast Izzy talks to presenter Claer Barrett about the true costs of childcare.

Plus, we discuss what makes a person more at risk of being scammed.

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The general election and your finances, the gender pensions gap and our love/hate relationship with cash

Thu, 05 Dec 2019 05:00:00 GMT

The general election and your finances - with a week to go, what changes could the major parties bring in? Presenter Claer Barrett talks to Rachael Griffin, a tax expert at Quilter, about the pledges. Next up on the show if you're self employed, have you got a pension? A third of self-employed women say they are saving nothing into a pension. Blogger Emma Maslin, better known as the Money Whisperer, has lots to say on this topic. And finally - they might say it's vulgar to talk about money, but James Max, our Rich People's Problems columnist is here to explain why he loves cash.

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What happens to our digital assets and online accounts when we die?

Thu, 28 Nov 2019 05:00:00 GMT

Have you ever counted how many online accounts you have? Do you listen to music on Spotify, upload your pictures to the cloud or hold your savings in an online bank account? If the answer is yes to any of these questions you should consider what happens to these assets when you die. On this week's FT Money show presenter Lucy Warwick-Ching delves into the world of digital legacies - from Facebook to cryptocurrencies. She talks to Angharad Lynn of VWV, James Norris of the Digital Legacy Association and Ian Bond of the Law Society about the rise of digital wills and end of life planning companies.

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Investment trusts: family trusts, dividend heroes and compared to other investments

Fri, 22 Nov 2019 05:00:00 GMT

On this week's FT Money show we discuss investment trusts and the different ways investors can use them in their portfolios. Presenter Emma Agyemang, FT Money reporter, talks to Jason Hollands, managing director at Tilney Group and Moira O'Neill of interactive investor about how listeners can invest alongside the wealthiest families. Plus, the dividend heroes - which offer the most consistent income and are they still a good option for investors? And finally, Merryn Somerset Webb tells listeners why she thinks investment trusts have a better chance of lasting a lifetime compared to other assets.

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How to find a financial adviser, general election planning for your finances and the rise of the 40 year mortgage

Thu, 14 Nov 2019 05:00:00 GMT

How to find a financial adviser - a relationship with an adviser you can trust is something that FT readers often tell us is hard to come by. FT Money editor Claer Barrett talks to Damian Fantato, deputy editor of FT Adviser about the solution. Plus, with less than a month to go until the general election, financial advisers tell us they are getting calls from a lot of worried clients - we discuss what's troubling them. And finally, the rise of the 40-year mortgage - Paul Lewis, presenter of BBC Moneybox is here to share his own worries about extra long hours.

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Election planning for your finances, digital tax returns and balancing your budget

Thu, 07 Nov 2019 05:00:00 GMT

Taxing questions ahead of the General Election - as the spending pledges of the major parties add up, how might the tax rules change to pay for it all? Presenter Claer Barrett talks to Nimesh Shah, a partner at Blick Rothenberg to get the answers. Plus, if you’re already dreading your annual tax return, would you prefer it if computers did it for you? Chris Giles, the FT’s economics editor, has been probing the future shift toward personal tax accounts that could deduct what you owe in real time! And finally, Becky O'Connor from Royal London tells listeners about a host of savings tips and tricks that could help you balance your own budget.

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How much do you need to retire on? The answer is more than you think

Thu, 31 Oct 2019 05:00:00 GMT

There's been a series of scary surveys this week about how much we need to save to fund our retirement so Claer Barrett, FT Money editor, has invited Moira O'Neill from Interactive Investor joins onto the podcast to talk us through the numbers. Next up, have you heard of a Susu? Emma Agyemang reveals details about the revival in this decades-old method of saving. And finally, the FT's Rich People's Problems columnist James Max joins us in the studio to discuss the cost of getting a new puppy.

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How to set up your own investment club

Thu, 24 Oct 2019 04:00:00 GMT

FT Money editor Claer Barrett and guests discuss how tens of thousands of UK private investors are meeting in pubs, restaurants and private homes to discuss how to beat the market - with tips for anyone thinking of doing the same.

Plus why the wealthy get married in secret, and how banks could do more to help customers with mental health issues

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Are you facing losses from the closure of the Woodford equity income fund?

Thu, 17 Oct 2019 04:00:00 GMT

Hundreds of thousands of investors with money trapped in the Woodford Equity Income fund found out this week that the fund is to be liquidated, the fund manager would be sacked and that their money would be returned to them eventually. Claer Barrett, FT money editor, talks to guests about how much money investors have lost and how much they are likely to get back and when. Plus we hear from someone who was landed with a £476 fine and a criminal record - just for forgetting to charge her iphone.

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You probably have a pension - but have you got a retirement plan?

Thu, 10 Oct 2019 04:00:00 GMT

It's financial planning week and this year's theme is retirement planning. As part of the initiative, thousands of certified planners are offering a free hour-long session to people wanting help with setting their financial goals. FT Money deputy editor James Pickford talks to the FT's pensions correspondent about retirement planning. Plus we hear from Jackie Lockie, head of financial planning with the CISI, and Patrick Connolly of Chase de Vere, about how best to plan for retirement.

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Students: top tips on how to budget at university

Thu, 03 Oct 2019 04:00:00 GMT

What's the best bank account for students? Who will give you an interest-free overdraft? And how can you get hold of a student railcard? Lucy Warwick-Ching, FT Money digital editor talks to three experts about how to make the most of your money as a student. Plus we hear how your credit rating as a student can affect your ability to get finance long after you've finished studying. And finally Guy Anker of Moneysavingexpert.com tells us why you shouldn't automatically pay off your student loan if you can afford it.

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Would you lend your parents money?

Thu, 26 Sep 2019 04:00:00 GMT

FT journalist Alice Kantor's recent column "Why I refused to lend money to my parents" is one of the FT Money's most-read and most commented columns ever. Claer Barrett, FT Money editor, invites Alice onto the show to talk to her about why she said no to her parents request for a loan. We also hear tips on how listeners can say no to friends and family who ask to borrow money.

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Escape the motherhood penalty, teenage investors and 'best buy' investment lists

Thu, 19 Sep 2019 04:00:00 GMT

Having a baby is one of the best things that could happen in your life - but sadly it could also be the worst thing that could happen to your finances. We discuss the effects of the gender pay gap. Plus FT Money editor Claer Barrett talks to guests about what kind of investor Adrian Mole could have grown into. And what could happen to the 'best buy' lists used by fund supermarkets in the wake of the Woodford scandal?

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Financial Room 101 - what would you most like to banish?

Thu, 12 Sep 2019 04:00:00 GMT

What are the biggest barriers to managing our money? Special guests Martin Wolf, Bobby Seagull and Justin Urquhart Stewart tell presenter Claer Barrett what they would banish to ‘Room 101’ to improve the nation’s finances. This week's podcast comes to you from the FT Money tent at the FT Weekend Festival at Kenwood House.

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Do you have a joint bank account with your partner?

Thu, 05 Sep 2019 04:00:00 GMT

As research shows modern couples are more likely to keep their finances separate, presenter Claer Barrett and guests debate how women in particular are managing their money. Plus, ahead of the new university term we reveal finance tips for students and their parents, and ask what could emerge as the next consumer misselling scandal after PPI.

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Could you profit from a last minute PPI claim?

Fri, 16 Aug 2019 04:00:00 GMT

With a matter of days until the deadline, presenter Claer Barrett discusses the practicalities of making a claim online with the FT's Money Mentor Lindsay Cook. Plus, how to build effective money habits, and the growing NHS pensions row.

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Investing for the under 40s - the pros and cons of the Lifetime Isa

Thu, 08 Aug 2019 05:00:59 GMT

Presenter Claer Barrett and guests explore how under 40s are using the Lifetime Isa to save for a property, or invest for the future. What strategies are younger investors taking? Plus the new rules on automatic compensation when broadband goes down, and the six ways pensions scammers are most likely to try and con you - would you fall for it?

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Your money under a Boris government

Thu, 01 Aug 2019 05:00:17 GMT

As fears of a 'No Deal Brexit' rise, the pound and share prices of UK domestic stocks have tumbled. Some might see this as a buying opportunity - yet others fear there's further to fall. Termed 'The BoJo trade' by investment pundits, Claer Barrett, FT Money editor asks - which side of this trade are you on? Next up on the show - why are some investors moving into defensive stocks? And finally, we hear from our Rich People's columnist, James Max, about the cost of private medical insurance.

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How to enjoy your retirement, and top tips for getting the best deal on your holiday money

Thu, 25 Jul 2019 05:00:20 GMT

If ever there was a word that needed to be retired it's 'retirement'. The kind of images this word conjures up is sunny beaches and no longer having to set an alarm clock, or a stressful feeling about how much longer you will need to work to afford such a lifestyle. This week author Don Ezra talks to FT Money editor Claer Barrett about how best to get to and enjoy what used to be called retirement. Next up, if you're heading off on holiday soon then listen to our top tips on how to get the best deal on your holiday money.

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Inheritance tax rules, confusion over freelance tax payments and investing in fine wines

Thu, 18 Jul 2019 05:00:39 GMT

Inheritance tax rules are due for a shake up - FT Money editor Claer Barrett asks whether efforts to simplify the system can ever shake off its claim to be "Britain's most hated tax"? Next, experts discuss whether the IR35 tax rules are flawed or not. And finally, Alan Livsey, the FT's wine buff talks about an investment that is literally liquid - fine wine.

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Does your state pension add up?

Thu, 11 Jul 2019 14:00:00 GMT

Millions have used a government website to check their state pension, only to find they have missing years of National Insurance contributions.

Presenter Claer Barrett and guests discuss what can be done, plus experts debate the future for inheritance tax and whether the cap on high cost credit should be extended.

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Retirement homes, mobile phone bills and tennis club membership

Thu, 04 Jul 2019 05:00:55 GMT

Retirement property has a reputation for being a rip off, but several large operators claim to have reinvented the model. The FT's Money Mentor columnist Lindsay Cook joins Claer Barrett to discuss the issues. Next up, is your mobile phone a drain on your finances? Guy Anker from MoneySavingExpert tells us how. And finally, listeners hear from the FT's Rich People's Problems experts about the controversy surrounding his local tennis club.

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'Facebank', financial scams and shareholder rights

Thu, 27 Jun 2019 05:02:28 GMT

Facebook plans to shake up the finance world with a new digital currency called Libra - we hear about its pros and cons. Next up, we discover what Moll Flanders, the literary anti-heroine, can tell us about modern day bank fraud. And finally we find out how smaller shareholders can stand up for their rights.

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Mid-life financial MOT, credit card debts and Britain's growing tax gap

Thu, 20 Jun 2019 05:01:52 GMT

Do you find yourself stumped by questions about how much to put towards your mortgage payment versus your investments? It may be time for a midlife financial MOT. Presenter James Pickford talks to FT reporter Lucy Warwick-Ching about why advisers are targeting people in their forties and fifties. Next, we speak to a woman who cleared credit card debt to the tune of £16,000. And finally, we discuss what's behind Britain's growing tax gap.

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The true cost of regulation, how to manage our spending habits and new payment card measures

Thu, 13 Jun 2019 05:00:02 GMT

How much are you really paying in your taxes to regulate the banks? Presenter James Pickford talks to Paul Lewis, Moneybox presenter about how much it costs to make sure the financial services industry doesn't break the rules. Next, we tell you how to keep your money plans on the straight and narrow. And finally, FT Money Mentor Lindsay Cook sings the praises of a payment card measure that is little promoted by banks but can be extremely effective for consumers.

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Neil Woodford, YouTube millionaires and Rich People's Problems

Thu, 06 Jun 2019 05:01:45 GMT

Neil Woodford, the star fund manager who launched his own equity fund five years ago, was forced to halt withdrawals from his Equity Income fund last week - FT Money's deputy editor talks to investment reporter Kate Beioley about what went wrong. Next up, listeners hear how to become a Youtube millionaires, and what your choice of wristwatch says about you.

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Barbie turns 60 - but how big is her pension?

Thu, 30 May 2019 09:41:31 GMT

Barbie has had more than 200 careers over the past 60 years, including an astronaut, news anchor, fashion model and pop star. But what financial challenges does she face as she heads towards the Barbie Retirement Dream Home? Presenter Claer Barrett talks to Moira O'Neill of Interactive Investor and Michael Martin of Seven Investment Management, plus they debate common problems with inheritance tax and how to avoid a holiday rip-off.

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Wealth managers, switching pension providers and where Britain's wealthy live

Thu, 23 May 2019 05:00:47 GMT

How are the UK's wealth managers tackling market turbulence? James Pickford, deputy FT Money editor, talks to Alice Ross about how the private banking industry is reacting to the changing needs of its clients. Plus - we delve into the reasons why some customers are waiting months to have their investments moved from one pension provider to another. And finally, where do Britain's wealthy live?

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National numeracy day - women and maths

Wed, 15 May 2019 05:00:26 GMT

In honour of National Numeracy Day we're looking at why so many women say they're less confident with numbers than men - and why this is a myth we're keen to bust. Bobby Seagull, the FT columnist and possibly Britain's most famous maths teacher joins presenter Claer Barrett to crunch the numbers. Next up Mike Ellicock, chief executive of the National Numeracy charity on the latest numbers quiz. And finally the founder of Boring Money draws some parallels between an aversion to maths and a lack of confidence to invest.

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Equity release, shoddy customer service and the rise in customer complaints

Thu, 09 May 2019 05:00:59 GMT

Would you use your property to supplement your pension? Claer Barrett and guests examine the pros and cons of using equity release. Next, the FT Rich People's Problems columnist James Max talks about bad customer service, and finally, we analyse what people are complaining about.

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The Royal baby, women investors and inside the UK's debt crisis

Thu, 02 May 2019 04:00:00 GMT

As the world awaits the arrival of the Royal Baby, Claer Barrett and guests discuss finding an investment strategy for your child that's fit for a prince or princess. Plus - are women better at saving than men? Dame Helena Morrissey uncovers the statistics. And finally, we discuss what can be done to tackle Britain's debt crisis.

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Merryn Somerset Webb on the rise of ESG investments

Thu, 25 Apr 2019 05:00:37 GMT

Are you investments taking on a green tinge? As climate change protests stop the traffic in London, interest in ethical investing is accelerating fast. FT columnist Merryn Somerset Webb welcomes greater interest from fund managers, but warns it needs to be more than "greenwash" to be effective. Plus Money Mentor Lindsay Cook dissects the problem debts of the wealthy, and as US markets hit a fresh record high. Artemis fund manager Simon Edelsten warns investors about the dangers of hubris.

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Maternity pay, online investors and the value of time

Thu, 18 Apr 2019 05:00:05 GMT

Despite changing attitudes in the workforce there are still bosses who wouldn't give you a job if they thought you were going to have a baby in a few years. Lucy Warwick-Ching talks to Mumsnet about the wide disparity in maternity and paternity policies among employers and gives listeners the chance to have their say. Plus - we hear from an "armchair investor" about the realities of trading from the comfort of your home. And finally Jason Butler tells us how to how to maximise the most of the precious thing we own - our time.

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A mortgage milestone and what Brexit means for investors

Thu, 11 Apr 2019 04:00:00 GMT

FT money deputy editor James Pickford is joined by Jason Hurwood of Nationwide to discuss the move by the UK’s second biggest mortgage lender into equity release, investment writer Kate Beioley says Brexit is prompting investors to hoard cash, and pensions correspondent Josephine Cumbo looks at new research exposing the costs of exiting a pension scheme.

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The collapse of London Capital and Finance, climate change investing and buying a ski apartment

Thu, 04 Apr 2019 05:00:16 GMT

In light of the London Capital and Finance scandal the city watchdog is warning consumers about how some high-risk investments are marketed. Claer Barrett is joined by senior FT journalists Barney Thompson and John Gapper to assess what's gone wrong. Next up, could climate change provide a novelway to start a conversation about investment with your children? And finally our Rich People's Problems columnist discusses whether his ski apartment is good value for money.

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Pension problems in the NHS, auto-enrolment and a new pet insurance product

Thu, 28 Mar 2019 04:00:01 GMT

Diagnosing pension problems in the NHS - an FT investigation has revealed that senior doctors and consultants across the country are turning down extra shifts through fear of landing themselves with punitive tax bills. Josephine Cumbo asks whether the pensions taper is bad for our health. Next up, she interviews Paul Lewis, the Moneybox presenter on auto enrolment schemes. Finally, she delves into the world of pet insurance products - did you know there is a fitness tracker for dogs?

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Financial advice for young people, crowdfunding and why Brexit has ruined my dinner parties

Thu, 28 Mar 2019 03:13:02 GMT

Think you're ready for a financial adviser but you can't find anyone to take your money? FT Money editor Claer Barrett talks to money blogger Iona Bain about why old fashioned advisers don't want young people's money. Next up, podcast guests chat about crowdfunding - how it works, the risks involved - and what a unicorn is! And finally, James Max is causing a stir with his topic of dinner party conversation.

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Retirement planning, Help to buy and ageism in society

Thu, 14 Mar 2019 05:00:00 GMT

Are you ready for retirement? Claer Barrett, FT Money editor, and guests discuss the importance of financial planning - whether you're hoping to retire in 50 years or 50 weeks. Plus, first-time buyers get a boost from Help to Buy, but should the government consider aiming a tax break at the 'last-time buyers' to help more of them downsize? And finally, listeners hear from FT Money's new columnist - Jane Owen, whose debut column 'the invisible woman' rails against ageism in society.

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Isa special: Everything you need to know about Individual Savings Accounts

Thu, 07 Mar 2019 05:00:55 GMT

New research says it's possible for younger investors to build up a million pound Isa portfolio - and in this week's podcast Claer Barrett and guests tell listeners how to do it. Also, Kate Beioley talks about how freelance workers can use flexible Isas to smooth out the lumps and bumps in their income, and Moira O'Neill of interactive investor discusses how to set up a stocks and shares Isa. And last but not least James Max, FT Rich People's Problems columnist reveals what it's like to work at an investment bank.

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Pension freedoms: the unintended consequences revealed

Thu, 28 Feb 2019 04:30:11 GMT

Have you cashed in your retirement savings under the pension freedoms rules? If so, are you one of the many UK pensioners who have found that the freedom to do what you want with your savings is not delivering quite what you had wished for? FT Pensions correspondent Josephine Cumbo debates the issues with fellow guests Steve Webb of Royal London, Claire Walsh of Schroders and Malcolm McLean of Barnett Waddington.

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How to crack your credit score

Thu, 21 Feb 2019 05:00:49 GMT

FT money editor Claer Barrett is joined by Money Mentor Lindsay Cook to discuss cracking your credit score – including why yours might be worse than you think – and Mike Tuckett from Transport for London, who shares some staggering stats about contactless travel. Bobby Seagull, of University Challenge fame also stops by to sound off about football signs.

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The fight for our data, good news for renters and final salary pension problems

Thu, 14 Feb 2019 05:00:13 GMT

From rental fees to who owns your financial data - the FT analyses this week's personal finance news and gives you the lowdown in downloadable form. Claer Barrett, FT Money editor, and guests discuss letting agency fees, 'made up' figures in a fintech advert and pension problems for the older generation.

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Six financial mistakes that women need to avoid

Thu, 07 Feb 2019 05:00:19 GMT

Presenter Claer Barrett and guests discuss what every female needs to know about her finances. From practicing 'financial self defence', getting started in investing and bridging the gender pay and pensions gap, this special edition of the FT Money podcast covers all these issues and more.

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Are you facing a tax bill that is so large you can't pay it?

Thu, 31 Jan 2019 05:00:00 GMT

This special edition of the FT Money show is dedicated to examining the far reaching effects of the loan charge on 100,000 freelance contractors in the UK. Claer Barrett, the FT Money editor, and Emma Agyemang, the FT's tax reporter, talk to individuals facing huge tax bills, and get the inside story from independent tax experts and the politicians who are calling for the law to be changed.

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Finance tips for freelancers, insurance pitfalls and how to write the perfect 'to do list'

Thu, 24 Jan 2019 05:00:00 GMT

FT Money editor Claer Barrett on the latest finance tips for freelancers ahead of the tax deadline. Plus Paul Lewis, the Moneybox presenter reveals the hidden pitfalls of staying with the same home insurance provider year on year. And finally professor Elizabeth Emens on how tips to help you cross off more things on your financial to-do lists.

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Open Banking: what is it and how can you benefit from the new rules

Thu, 17 Jan 2019 04:00:47 GMT

FT Money Digital editor Lucy Warwick-Ching and guests discuss what open banking is, why it was launched and which are the best apps for consumers. Plus we delve into exactly why despite the hype around the launch, just one in four people have heard of open banking.

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A stock picking competition, dealing with post-christmas debt and collecting coins

Thu, 10 Jan 2019 05:00:00 GMT

This week's bumper podcast offers listeners the chance to compete against the FT investment experts. Plus FT Money editor Claer Barrett talks to a man who quit his corporate job and took a huge change of career direction. Also on the show is Lindsay Cook, the FT's Money Mentor, on zero per cent credit card deals. And finally, as the Royal Mint launches a new range of collectible coins, we ask if they are ever a good investment.

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Financial New Year's Resolutions: How to manage your money in 2019

Thu, 03 Jan 2019 05:00:37 GMT

FT Money editor Claer Barrett and guest presenter Bobby Seagull of University Challenge fame present a special New Year's edition of podcast packed with tips and ideas for managing your cash in the year ahead, featuring the "financial resolutions" of a host of FT commentators

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Brexit buying opportunity, the top FTSE risers and fallers and should you take your claim to the small claims court?

Thu, 20 Dec 2018 04:00:46 GMT

FT Money editor Claer Barrett talks to Merryn Somerset Webb about how investors can take advantage of choppy markets. Plus, we highlight the winners and losers of the FTSE 100 stocks and is the small claims court a better bet than the ombudsman service?

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Beyond Brexit, christmas lights for beards and the growing trend presents for teachers

Thu, 13 Dec 2018 04:00:37 GMT

FT Money editor Claer Barrett investing beyond Brexit - what action should you consider to ride out the volatility. Plus as Christmas approaches, what is this year's must have party accessory and will you be buying a present for your child's teacher this year?

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Buying your first property, the pensions dashboard and private banking

Thu, 06 Dec 2018 05:00:00 GMT

Claer Barrett and guests discuss how tough it is for first time buyers to get onto the property ladder if they don't have help from mum and dad. Plus, the pensions dashboard - it's finally arrived, so what should we make of it. And Rich People's Problems columnist James Max tell us why he's happy to pay though the nose for old fashioned banking.

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What do you really think about financial advisers - and what do they say about you?

Thu, 29 Nov 2018 05:00:00 GMT

We've devoted this week's Money Show podcast to examining the changing relationship between financial advisers and their clients. Over the past month, more than 400 of you have bared your financial souls to us, completing FT Money's detailed survey about financial advice - covering what you most want to ask an adviser for help with. Claer Barrett and guests discuss what you love and hate about the advice profession.

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Black Friday bargains, women's pensions and investment trusts

Thu, 22 Nov 2018 04:00:32 GMT

Claer Barrett and guests discuss Black Friday deals and talk about the campaign to reduce the state pension age for women born in the 1950s. Plus we take another look at investment trusts and whether small companies could bring investors high returns

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Can you learn about money from reading someone's financial diary?

Thu, 15 Nov 2018 06:19:39 GMT

Claer Barrett and guests discuss the phenomenal success of the Money Diaries - an online website that has enabled women around the world to anonymously share their financial spending secrets. Plus we hear from a former banker turned entrepreneur who has set up a company to help women take control of their money.

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Britain's financial 'invisibles', child benefit fines repaid and why Lord Lee is selling some shares

Thu, 08 Nov 2018 04:30:57 GMT

Lucy Warwick-Ching and guests debate what it means to be refused access to credit, why HMRC is repaying fines it levied for unpaid tax, and how a volatile stock market has lead to Lord Lee selling some shares.

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What will the Budget mean for you?

Thu, 01 Nov 2018 04:46:27 GMT

Claer Barrett and guests discuss how the chancellor's budget will hit your pocket. Is the new income tax change really as good as it sounds? And how will it affect you if you're self employed or a landlord. Finally, we unpick the pension contribution rules and spell out how much you can contribute.

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Share incentive schemes and what you really think of financial advisers

Thu, 25 Oct 2018 04:00:00 GMT

FT money editor Claer Barrett is joined by Money Mentor Lindsay Cook to discuss the perks and pitfalls of company share incentive schemes and columnist Jason Butler stops in to talk curbing Christmas shopping enthusiasm. Finally, why FT Money wants to know what you really think of your financial adviser.

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Remortgaging your home, holding cash and getting more women to invest

Thu, 18 Oct 2018 03:30:08 GMT

Claer Barrett and guests discuss why people are using their homes as piggy banks and what they are doing with the extra money. Other topics of debate include why more and more investors are sitting on cash rather than putting their money into the stock market, and how to get more women to engage with their finances.

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How to fight fraud, the oil price and putting the payday lenders out of business

Thu, 11 Oct 2018 04:00:00 GMT

Claer Barrett and guests discuss whether banks are doing enough to help their customers in the fight against fraud. Other topics in this week's show include the oil price and whether it could surpass $100 a barrel, and we hear from the man behind a new tool to help consumers win compensation from high cost lenders.

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Cannabis, stamp duty and gender financial differences

Thu, 04 Oct 2018 04:00:51 GMT

This week's show looks at the rise of cannabis and whether UK investors should be looking to take a position in pot stocks. Plus the rise in stamp duty and why the differences in the way men and women save and spend appear at a very young age.

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Emerging markets, tax avoiders and owning property

Thu, 27 Sep 2018 04:30:00 GMT

Emerging markets turmoil - how should investors react? James Pickford and guests discuss the options. Also, the HMRC crackdown that threatens huge financial difficulties for thousands of low earners. Plus James Max gives his (controversial) view on how many homes one person should have.

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Is property still a good investment?

Thu, 20 Sep 2018 03:30:58 GMT

As the market gets stickier in the run up to Brexit, the FT Money podcast debates where property prices will go next. Plus Merryn Somerset Webb shares her thoughts on the tenth anniversary of the financial crisis.

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Free perks with your bank account, fixed rate mortgages and tech stocks

Thu, 13 Sep 2018 04:29:01 GMT

Does your bank give you a free daily coffee, free cinema tickets, money off meals out or a cheap taxi to the airport? Welcome to the world of premier banking - the FT Money Show reveals more. Plus, as interest rates rise, more homeowners lock into a five year fix, and could soaring valuations of FAANG stocks be coming to an end?

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Electric cars, investing in Fundsmith, and the growing problem debt in the UK

Thu, 06 Sep 2018 04:00:51 GMT

On this week's show FT Money editor Claer Barrett and guests discuss the growing market for electric cars - what they are like to drive and how the finances stack up. And Terry Smith of Fundsmith calls in to tell us about Smithson, a new investment trust investing in global small and mid cap stocks.

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EIS investments, rising debt problems and Child Trust Funds

Thu, 30 Aug 2018 04:57:55 GMT

FT Money editor Claer Barrett and guests discuss the latest trends in EIS investments and the rising number of people getting into problem debt. And child trust funds come of age - we explain how to make the most of your investment.

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Investing in English wine, problems with the pensions dashboard, and cycling your way to a tax break

Thu, 23 Aug 2018 05:00:00 GMT

From sparkling wine to cycling tax breaks, FT Money editor Claer Barrett and guests discuss the FT's latest personal finance stories.Should you be pouring your money into wine or would you be better off investing in Champagne? And Paul Lewis of BBC radio 4's Moneybox is here to ask what's happened to the government's promise of a pensions dashboard.

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Fraud - how can you avoid becoming the next victim?

Thu, 16 Aug 2018 04:53:49 GMT

From banking fraud to pension liberation schemes and property deposit scams, FT Money editor Claer Barrett and guests discuss the latest elaborate swindles and tell you how to avoid them. The techniques that the con artists are using today are worryingly sophisticated - but listening to this special edition of the FT Money podcast should be your first line of defence.

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What would a no-deal Brexit mean for your money?

Thu, 09 Aug 2018 05:00:00 GMT

FT Money editor Clear Barrett Barrett is joined by FT political correspondent Laura Hughes and FT Money reporters Aime Williams and Kate Beioley to discuss the likelihood of a no-deal Brexit and what it would mean for your finances. The team also talks travel money tips and FT columnist Jason Butler explains how to cash in by de-cluttering.

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The maths of Love Island

Thu, 02 Aug 2018 04:19:58 GMT

FT Money editor Clear Barrett Barrett is joined by columnists Bobby Seagull, James Max and Edwin Esosa for a summery podcast that brings some cold hard maths to this year’s hottest show, analyses the sticky economics of jam making and separates good diversity schemes from bad.

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Leasehold property, currency traps and a special subscriber offer for podcast listeners

Thu, 26 Jul 2018 04:29:59 GMT

FT Money editor Claer Barrett and guests on upcoming reforms to property leaseholds and how the latest downturn in sterling means you need to get the best possible rate on your money. We discuss the hidden charges that could sting travellers, and how to avoid these. Also, if you listen to the podcast you could be eligible for a special subscriber discount to the digital edition of the FT.

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Train delays and commuter chaos: what are your rights?

Thu, 19 Jul 2018 04:21:10 GMT

FT Money editor Claer Barrett and guests on what to do if you've been caught up in the train disruption. What are your rights - and what chance do you stand of getting money back if a cancelled train has caused you to miss a flight, or pay to travel by taxi?

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Questions to ask before you retire - do you and your partner want the same things?

Fri, 13 Jul 2018 04:00:31 GMT

FT Money digital editor Lucy Warwick-Ching and guests on the importance of planning for getting the best out of your retirement. Plus, will you still be paying off your mortgage in your seventies?

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Money saving tips, starting a supper club and the trauma of expenses claims

Thu, 05 Jul 2018 04:30:00 GMT

FT Money editor Claer Barrett and guests on the best money saving tips for millennials and how to start a supper club. Also, the FT's Rich People's Problems columnist, James Max, tells us about the biggest expenses claim he's ever submitted

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Online gambling, more tax quirks and property peer-to-peer lending

Thu, 28 Jun 2018 04:00:00 GMT

FT Money editor Claer Barrett and guests on the truth about online gambling and the quirk in the tax system that disadvantages people who read books online. Also, David Stevenson on whether property peer to peer lending is ever a good idea.

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Myths about divorce, investment trusts and the FT's Thrift Off experiment

Thu, 21 Jun 2018 04:21:14 GMT

FT Money editor Claer Barrett and guests discuss the things people don't know about divorce, what has been happening in the world of investment trusts and discuss the FT's competition on how to spend wisely, and save in style.

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Investing in Bitcoin, financial fitness and wealth managers

Thu, 14 Jun 2018 04:00:00 GMT

FT Money editor Claer Barrett and guests discuss the volatile price of cryptocurrencies, how to cut your performance fees by going to the gym and how wealth managers are adapting to the needs of young people.

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Selling property, talking about money and booking holidays online

Thu, 07 Jun 2018 04:00:00 GMT

FT Money editor Claer Barrett and guests discuss why it's never been easier to view homes for sale on your phone, talking about money and how the decline of the high street travel agent has reduced our consumer rights.

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The Millennial smartphone saving revolution

Thu, 31 May 2018 04:00:00 GMT

FT Money reporter Kate Beioley hosts a Millennial Money takeover this week, talking to FT reporters Rianna Croxford, Nicholas Megaw and Camilla Hodgson about the new savings and investing apps that let Millennials manage money from their smart phones. After road-testing the apps, are they helpful hacks or phone-based fads?

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Making partner in your firm, cashing in final salary pensions and investing in oil

Thu, 24 May 2018 04:00:00 GMT

FT Money editor Claer Barrett and guests discuss the risks and rewards of becoming a partner in your firm and delve into the latest statistics on how many people are cashing out of final salary schemes. Plus David Stevenson on investing in oil.

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National Numeracy, gas bills and some free money

Thu, 17 May 2018 11:26:32 GMT

The Financial Times is busting some Rhymes - Bobby Seagull, the maths teacher celebrates National Numeracy day by unleashing his 'maths rap' on the nation with his co-rapper and FT Money editor Claer Barrett. Also on the show - why gas bills are rising and how listeners can win £1000.

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Numeracy skills, saving for retirement and why millennials are not investing for their future

Thu, 10 May 2018 04:00:00 GMT

FT Money editor Claer Barrett and guests discuss Britain's lack of numeracy skills, how much you need to save in retirement and why young people can start investing for their future.

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The future for inheritance tax, buying beach huts and launching a second career in your sixties

Thu, 03 May 2018 04:00:00 GMT

FT Money editor Claer Barrett and guests discuss IHT - Britain's most hated tax, investing in a beach hut and how to launch a second career in your fifties or sixties.

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Animal magic for markets, Woodford’s woes and why investors should care about central banks

Fri, 27 Apr 2018 00:00:00 GMT

Bull, bear, tortoise or hare – now foxes and hedehogs too. Not a new children’s book but a valuable market analogy according to money editor Claer Barrett and guests. Also this week,Merryn Somerset Webb on what the move from QE to QT means for investors, and finally Neil Woodford’s week of woe.

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Valuable vinyl in the attic, the perils of investment cliches and the gambling habits of millennials

Thu, 19 Apr 2018 04:00:00 GMT

FT Money deputy editor James Pickford talks to Ludovic Hunter-Tilney, the FT's pop critic, about his quest to value his large collection of vinyl, CDs and cassettes - and how you might do the same. Miles Johnson, FT capital markets editor, on the dangers of setting too much store by investment's popular wisdom. Finally Kate Beioley of FT Money talks about the growing problem of online gambling, with its easy appeal to phone-toting millennials.

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Canal barges, personal service companies, and cryptocurrencies

Fri, 13 Apr 2018 01:50:56 GMT

FT Money deputy editor James Pickford and guests discuss buying a boat, HMRC's focus on personal service companies and why investing in cryptocurrencies doesn't always pay off.

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Pensions for the self-employed, solar powered properties and financial planning

Fri, 06 Apr 2018 01:00:00 GMT

FT Money editor Claer Barrett and guests discuss the pros and cons of selling energy back to the grid if you have solar panels. Also, we give you ideas to get started on saving into a pension if you're freelance and finally Jason Butler, FT Money's Wealth Man on who to plan financially for life transitions before they happen.

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Investing in pubs, house prices and growing your own vegetables

Thu, 29 Mar 2018 04:00:00 GMT

FT Money deputy editor James Pickford and guests discuss the pros and cons of buying and running your local pub. Also, Richard Donnell of Hometrack tells listeners what's happening to house prices across the UK, and finally James Max, author of Rich People's Problems, on a trend for growing your own vegetables.

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How to find a financial adviser and the questions to ask when you find one

Thu, 22 Mar 2018 04:00:00 GMT

FT Money digital editor Lucy Warwick-Ching and guests discuss when people should pay for advice and how best to get it. The show delves into the different levels of advice available and how to choose the adviser best suited to you.

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The penny pinching chancellor, EIS changes and what's wrong with ombudsmen?

Thu, 15 Mar 2018 04:00:00 GMT

FT Money editor Claer Barrett talks to Sarah Coles, personal finance analyst at Hargreaves Lansdown about the surprise potential demise of 1p and 2p coins, announced in the Spring Statement this week. Claer also talks to investment reporter Kate Beioley about Spring Statement changes to a group of tax-efficient investments. Finally FT Money Mentor Lindsay Cook stops in too to talk what's wrong with industry ombudsmen.

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Female finance, Australian pensions and bank account fraud

Thu, 08 Mar 2018 05:00:00 GMT

In honour of International Women's Day FT Money editor Claer Barrett and guests discuss why women don't invest more. Plus pensions down under - what Brits could learn from the Australian savings habit. And how Britain's shrinking bank branch network is the new front line in the fight against fraud.

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The new Isa season - how to make the most of this year's tax-free allowance

Thu, 01 Mar 2018 05:00:00 GMT

FT Money digital editor Lucy Warwick-Ching and guests discuss Individual Savings Accounts (Isas). This podcast explains the rules, spells out the best investments and dissects the different types of Isas available.

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Navigating the care system - what you need to know before looking for a care home

Thu, 22 Feb 2018 05:00:00 GMT

FT Money editor Claer Barrett talks to Rosie Carr, deputy editor of Investors Chronicle about the rising cost of care homes and how to find a suitable one for your loved ones. They discuss ways to plan ahead so you can afford the fees and perhaps leave something in your estate for your relatives.

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Reusable coffee cups, Scottish income tax bands and compensation

Thu, 15 Feb 2018 05:00:00 GMT

FT Money editor Claer Barrett on the investment case for using reusable coffee cups - how they can save you money as well as saving the planet. Plus, Claer and Moneybox present Paul Lewis get to grips with the new Scottish income tax bands. And finally, the show ends with guests discussing how much risk accident victims should be expected to take when investing their compensation funds.

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The death of the piggy bank - why children are turning to new technology to learn about money

Thu, 08 Feb 2018 05:00:00 GMT

FT Money digital editor Lucy Warwick-Ching on the best financial apps to use to teach children about managing money. Along with a psychologist she also delves into the vital lessons we all need to learn about cash

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House prices, family trusts and the high cost of private members clubs

Thu, 01 Feb 2018 02:59:11 GMT

FT Money editor Claer Barrett and guests debate the real value of property and the demise of family trusts. James Max drops into the studio to discuss his latest Rich People's Problems column on paying thousands of pounds a year in private club memberships.

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Bitcoin, retail shares and the financial risks of being female

Thu, 25 Jan 2018 06:00:00 GMT

FT Money editor Claer Barrett on the perils of investing in Bitcoin. She also takes a closer look at whether people should invest in retail shares and debates the financial risks of being female following the publication of a report that claims that young women today face greater financial insecurity.

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The real meaning of risk for retail investors: John Kay takes new regulations to task

Thu, 18 Jan 2018 04:14:03 GMT

FT Money editor Claer Barrett and guests debate the true meaning of risk for retail investors, and Professor John Kay reveals why he thinks new European legislation will be a hindrance, not a help. Plus Maike Currie questions why the latest investment book features 67 men and only one woman, and consumer finance experts Georgie Frost and Helen Dewdney tackle "Blue Monday

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Young people's finances - attitudes to money, getting teenagers to love maths and the hidden perils of shared ownership

Thu, 11 Jan 2018 05:00:00 GMT

FT Money editor Claer Barrett and guests debate why young people think money is boring and come up with ways to convince them otherwise. Bobby Seagull, the University Challenge semi finalist reveals his unconventional methods for getting teenagers to love maths. Finally, why being single could prevent you from getting on the first rung of the property ladder

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Your finances under a Labour government, new years resolutions and Champagne sales

Fri, 05 Jan 2018 07:23:55 GMT

FT Money editor Claer Barrett on whether you should attempt to hedge your finances against a future Corbyn government. Next she interviews Rich People's Problems columnist James Max on why he won't be wasting his money on a gym membership this January and finally Ed Bowsher tells listeners why more of us are drinking Prosecco.

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Should investors buy Bitcoin?

Thu, 14 Dec 2017 05:00:00 GMT

FT Money presenter Claer Barrett and guests discuss whether or not Bitcoin deserves a place in your investment portfolio and why restaurant service charges leave a bad taste in the mouth. Finally, why we might all be renting used cars in the future instead of buying.

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Private education - spiraling costs, pupil discounts and how to get a scholarship

Thu, 07 Dec 2017 06:00:00 GMT

FT Money digital editor Lucy Warwick-Ching delves in the world of private education and talks to experts including the Good Schools Guide. She and her guests reveal how much it actually costs to send your child to private school as well as tips on how to pay for fees and also some of the tricks to help you get a discount.

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Being fired, Budget reaction and rich people's problems

Thu, 30 Nov 2017 06:00:17 GMT

FT Money Show presenter Claer Barrett quizzes James Max about his experience of being fired and asks him to come up with solutions to your Rich People's Problems questions. Merryn Somerset Webb joins them later to give her views on last week's Budget.

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Autumn Budget: How do the chancellor's measures affect me?

Wed, 22 Nov 2017 16:17:18 GMT

FT Money Show presenter Lucy Warwick-Ching and guests discuss the Budget announcements and what what it means for your pocket.

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Pension savings, stamp duty and Budget predictions

Thu, 16 Nov 2017 05:00:00 GMT

FT Money Show presenter Claer Barrett and guests discuss how much is enough when your saving into a pension, whether stamp duty is suffocating the housing market and what property measures we can expert in next week's Budget.

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Paradise lost - the future for off-shore investing

Thu, 09 Nov 2017 04:30:59 GMT

In this week's FT Money show, presenter Claer Barrett speaks to Holly Mackay of Boring Money and the FT's Vanessa Houlder in the wake of the Paradise Papers, discussing the widespread nature offshore investments and collective investment vehicles. Plus Paul Lewis outlines why the Budget could bring reforms to Universal Credit, and Leonora Walters of the Investors Chronicle explains why discounts on many investment trusts are narrowing.

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UK property prices, self build and pension transfers

Thu, 02 Nov 2017 09:00:00 GMT

FT Money Show presenter Hugo Greenhalgh and guests discuss the rise in property prices, how to build a house, and the Great British pensions cash-in.

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Should I get my teeth whitened?

Wed, 25 Oct 2017 16:00:00 GMT

FT Money Show presenter Claer Barrett and guests discuss the merits of tooth whitening, the FCA's new campaign on investment fraud and the ten nastiest tax problems

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Inflation, Brexit-proofing your portfolio and investing in Germany

Thu, 19 Oct 2017 04:00:00 GMT

FT Money Show presenter Claer Barrett and guests discuss the rise in inflation, the best ways to Brexit-proof your investment portfolio. Finally they discuss how the Germans save and invest and whether we can learn anything from this in the UK.

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Exchange traded funds: are they an accident waiting to happen?

Thu, 12 Oct 2017 02:00:00 GMT

FT Money Show presenter James Pickford and guests discuss ETFs - one of the biggest investment trends of recent years. They also debate the way we measure inflation and analyse what's happening at Barclays Smart Investor platform.

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Should you invest in Art?

Thu, 05 Oct 2017 01:30:00 GMT

As art collectors gather for the Frieze Art Fair in London, we ask if fine art can produce a dazzling investment return, plus Merryn Somerset Webb on the Fidelity fees shake up and Jason Butler talks about why you shouldn't rely on the Bank of Mum and Dad.

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Millennial Money: FT writers give advice to today's 18 year olds

Thu, 28 Sep 2017 05:00:00 GMT

FT Money Show presenter Claer Barrett and guests discuss what millennials need to know about money, whether classic cars are ever a good investment, and if company pension schemes are too pricey.

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Chasing the Chinese Dragon - should investors buy into the China story?

Thu, 21 Sep 2017 00:18:02 GMT

FT Money Show presenter Claer Barrett and guests discuss whether investors should buy into the china story, how to get compensation for cancelled Ryanair flights and how solar panels work in practice.

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Financial scandals, freelancer finances and investing in wine

Wed, 13 Sep 2017 23:49:54 GMT

FT Money Show presenter Claer Barrett talks to Moneybox presenter Paul Lewis about how to spot a financial scam. Also, with more of us working in the so-called 'gig economy' what are the money matters that you need to know about, and finally on the show we discuss the pros and cons of investing in wine.

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What's gone wrong with Barclays newly launched Smart Investor website?

Thu, 07 Sep 2017 00:02:18 GMT

FT Money Show presenter Claer Barrett and guests discuss the ongoing problems at Barclays new Smart Investor website, give financial tips for new university students and debate the benefits of active verses passive fund management.

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The Archers - we take financial advice to Ambridge

Thu, 31 Aug 2017 00:59:31 GMT

FT Money Show presenter Claer Barrett and guests on the financial advice we would love to give the characters on the Archers, the latest Rich People's Problems column on losing a drone, and which small-cap share should be the hero of your portfolio.

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Small shareholders - are big companies finally wising up to their value?

Thu, 24 Aug 2017 00:56:55 GMT

FT Money Show presenter Claer Barrett and guests on how small shareholders can get involved in managing the companies they invest in, why some landlords are not paying enough tax and savings accounts that pay more than the rate of inflation.

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Power of Attorney - a sensible piece of financial planning, or something that could leave you vulnerable to abuse?

Thu, 17 Aug 2017 02:32:48 GMT

FT Money Show presenter Claer Barrett and guests on lasting powers of attorney, whether employers are paying enough into company pensions and asks her guest how long he would spend trying to extract a pound coin if it got stuck in a supermarket trolley.

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The titanium credit card - do you really need one?

Thu, 10 Aug 2017 01:47:40 GMT

FT Money Show presenter Claer Barrett and guests on why rich people should have a titanium credit card, whether the 'black box' technology could result in a car insurance discount and why some people are borrowing against their homes to buy shares.

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Take Aim - and save on inheritance tax

Thu, 03 Aug 2017 01:40:40 GMT

FT Money Show presenter Claer Barrett and guests on why it might be a good time to invest in pharmaceutical giant Astra Zeneca, the advantages of investing in Aim shares and the phenomenon of restart parties designed to save money - and the planet.

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Living until 100

Thu, 27 Jul 2017 02:32:34 GMT

FT Money's wealth correspondent Hugo Greenhalgh is joined by FT Money columnist Lindsay Cook to discuss what living to 100 means for your money. Plus, investment reporter Aime Williams on overpriced tracker funds, and financial expert Ben Yearsley on how to cope with rising school fees.

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The ticking time-bomb of interest-only mortgages

Thu, 20 Jul 2017 00:45:35 GMT

FT Money's wealth correspondent Hugo Greenhalgh is joined by investment reporter Aime Williams to discuss interest-only mortgages. Plus, Lucy Schonegevel of Macmillan Cancer Support on the enormous travel insurance premiums facing former cancer patients, and FT Money deputy editor James Pickford probes the issue of conveyancing fraud.

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Should you invest in Venture Capital Trusts?

Thu, 13 Jul 2017 00:53:32 GMT

FT Money editor Claer Barrett is joined by investment expert Alex Davies to discuss the perks and pitfalls of VCTs. Plus Emma Dunkley, the FT's retail banking correspondent, on why Lloyds is scrapping overdraft charges, and Family Money columnist Lucy Warwick-Ching reveals why HMRC's new tax-free childcare accounts are causing parents to have tantrums.

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HMRC hunts down tax cheats

Thu, 06 Jul 2017 02:15:46 GMT

FT Money Show presenter James Pickford and guests on HMRC taking action against people who evade tax, why some homeowners are staying put in their properties rather than moving up the ladder, and how some people are being forced to pay stamp duty twice.

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Is your fund manager any good?

Thu, 29 Jun 2017 02:13:41 GMT

FT Money Show presenter James Pickford and guests on how a new FCA report into fund management is set to shake up the industry, how to claim for PPI compensation and property funds, a year on from the trauma of frozen withdrawals.

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Inflation - what you need to know

Thu, 22 Jun 2017 05:05:21 GMT

FT Money Show presenter Lucy Warwick-Ching on what's driving inflation up, how to inflation proof your finances and how pensioners can protect their assets in this climate.

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How to make financial sense of the election

Thu, 15 Jun 2017 03:43:45 GMT

FT Money Show presenter Claer Barrett and guests on the aftermath of the general election, profit warnings and why you may not be rich enough to hold a multi-currency bank account.

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Getting married - for tax reasons

Thu, 08 Jun 2017 03:46:38 GMT

FT Money Show presenter Claer Barrett and guests on the tax benefits of getting married, the UK pensions system and quantitative easing.

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BA flight chaos: how to get compensation

Thu, 01 Jun 2017 00:37:52 GMT

In this week's FT Money show, presenter Claer Barrett is joined by BBC Money Box presenter Paul Lewis and guests to discuss the recent chaos for British Airways passengers, the impact of redundancy on family finances and why the Isa should be scrapped.

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Merryn Somerset Webb on the social care U-turn

Thu, 25 May 2017 00:05:25 GMT

In this week's FT Money show, columnist Merryn Somerset Webb tells presenter Claer Barrett why the Conservative party was wrong to u-turn on its manifesto pledge to change how social care is funded. Plus, what kinds of price reductions are buyers able to negotiate in the current property market, and how it's possible to invest in stem cell research.

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Vanguard and the passive revolution

Thu, 18 May 2017 00:07:40 GMT

In this week's FT Money show, presenter Claer Barrett is joined by Money columnist Jason Butler and guests to discuss low-cost fund giant Vanguard's new online investment service, how much MP's pension schemes are worth, and what investors should do if the stock market crashes.

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Property fraud is every landlord's nightmare

Wed, 10 May 2017 23:50:53 GMT

FT Money Show presenter Claer Barrett and guests on the rise in property fraud, whether you should buy a used car and investing in technology.

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How will the new IHT rules affect you?

Thu, 04 May 2017 00:18:56 GMT

FT Money Show presenter Claer Barrett and guests on the new IHT rules, the bank of mum and dad and how to get a free financial planning session.

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Should the pensions triple lock be scrapped?

Thu, 27 Apr 2017 00:41:51 GMT

FT Money Show presenter Hugo Greenhalgh and guests on whether the pensions triple lock will last past the election, how cashing in your pension could affect your ability to borrow and investing in minibonds.

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How will the general election affect your finances?

Thu, 20 Apr 2017 01:05:43 GMT

FT Money Show presenter Hugo Greenhalgh on the countdown to the general election and why batteries are the next big investment.

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Credit cards - are they really your flexibIe friend?

Thu, 13 Apr 2017 02:32:51 GMT

FT Money Show presenter James Pickford and guests on credit card debt, UK investors and the virtues of simplicity in financial planning.

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Is the Lisa really the best way to save for your property or pension?

Thu, 06 Apr 2017 01:08:58 GMT

FT Money Show presenter Claer Barrett and guests on the lifetime Isa, how investors can play the inflation trade, credit card debt problems and how to avoid sky high charges at the airport.

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One year of the pensions taper tantrum

Thu, 30 Mar 2017 02:26:30 GMT

In this week's FT Money show, presenter Claer Barrett is joined by pensions correspondent Josephine Cumbo and guests to discuss the problems faced by higher earners hit by the pensions taper one year on, how you can set up last minute investments for your children and grandchildren, and why those with mortgages on holiday homes are facing currency charges.

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Is car finance driving you to distraction?

Thu, 23 Mar 2017 03:17:50 GMT

FT Money Show presenter Claer Barrett and guests on the soaring popularity of car leasing deals, online estate agents and the new pound coin.

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Space - the final investment frontier?

Thu, 16 Mar 2017 00:00:00 GMT

FT Money Show presenter Hugo Greenhalgh and guests on how to invest in space, Scottish taxes and the benefits of children's bank accounts

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What will the Budget mean for you? (corrected audio)

Thu, 09 Mar 2017 10:53:20 GMT

FT Money Show presenter Lucy Warwick-Ching and guests discuss the 'slow and steady' Budget announcements and what it means for your pocket.

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Are you ready for the new Isa season?

Thu, 02 Mar 2017 01:30:51 GMT

FT Money Show presenter Claer and guests discuss the growing family of tax free Isas - and how your whole family can use them to invest.

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Final Salary pensions - are they set to become rather less generous?

Thu, 23 Feb 2017 03:21:34 GMT

FT Money Show presenter James Pickford and guests discuss digital innovation, final salary pensions schemes and fund fees.

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Passive Investing - is it causing distortion in the market?

Thu, 16 Feb 2017 02:59:07 GMT

Presenter Claer Barrett and guests discuss passive investing, National insurance and why new businesses are being started by older people.

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Tax - how you can legally cut your bill

Thu, 09 Feb 2017 01:56:48 GMT

FT Wealth correspondent, Hugo Greenhalgh is joined by Lee Goggin of find a wealth manager to discuss how to leave your wealth manager without incurring punitive charges for doing so.

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Can your family finances survive the cost of dementia?

Wed, 01 Feb 2017 16:39:51 GMT

Presenter Claer Barrett is joined by the FT's wealth correspondent to talk about the financial repercussions of a dementia diagnosis, plus columnist Jason Butler on how to get to grips with your finances, and how the rules around binary trading are tightening up.

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Should you invest like Warren Buffett?

Thu, 26 Jan 2017 00:23:31 GMT

In this week's FT Money show, presenter Claer Barrett is joined by Money columnist Merryn Somerset Webb and guests to discuss why Warren Buffett is not really a value investor, whether employee share schemes are ever a good idea and the reasons behind one wealth manager's recent interest in female clients.

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The cost of a good night's sleep - how can insomnia affect your health, and your earnings power?

Thu, 19 Jan 2017 00:42:25 GMT

Presenter Claer Barrett is joined by the writer Daniel Pembrey to discuss sleep clinics for the wealthy, plus Paul Lewis on the "tax trap" for those earning six-figure salaries, and could US small cap stocks be the way to play President Trump's inauguration?

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What financial personality type are you?

Thu, 12 Jan 2017 12:49:29 GMT

Psychologists have identified six common traits that can lead to bad financial decisions - so are you a cash splasher, an ostrich or an anxious investor? Plus, the trading secrets of Car Boot sales, and the rising costs of social care.

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Should you cash in your final salary pension?

Thu, 05 Jan 2017 01:44:24 GMT

FT pensions correspondent Josephine Cumbo joins presenter Claer Barrett to analyse record transfer valuations for final salary pensions. Isa millionaire Lord Lee discusses the state of his portfolio, while Wealth Man columnist Jason Butler asks if money can really buy happiness.

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The investment outlook for 2017

Thu, 15 Dec 2016 00:37:15 GMT

Following a year of political shocks, JP Morgan's Stephanie Flanders and the FT's Jonathan Guthrie discuss what may come next. We also discuss the disappearing £50 note.

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The backlash against Airbnb

Thu, 08 Dec 2016 01:59:16 GMT

Investors who have done well out of Airbnb are being targeted by councils who see the site as a force shrinking the supply of rental properties. Presenter James Pickford and guests Madhu Murgia, David Stevenson and Vanessa Houlder also discuss investment opportunities arising from the US election and the difficulties of using offshore tax structures.

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The 12 Saves of Christmas

Thu, 01 Dec 2016 00:36:15 GMT

Lindsay Cook reveals how to save on champagne, perfume and other high-value items. FT journalists Hugo Greenhalgh and Thomas Hale discuss private jets, which can be surprisingly economical, and letting agents' fees, which have been astonishingly high.

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What will the Autumn Statement mean for your money?

Wed, 23 Nov 2016 15:30:24 GMT

Presenter Claer Barrett is joined by tax and pensions experts Raj Mody of PwC, Christine Ross of Handelsbanken Wealth Management and Nimesh Shah of Blick Rothenberg to discuss the main points of Philip Hammond's first Budget statement

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The best of alternative investments

Thu, 17 Nov 2016 02:11:38 GMT

In this week's FT Money show, presenter James Pickford and guests discuss how to invest in infrastructure as governments boost their spending, which fine wines you should be buying for your Christmas table, and how much you should pay for a Himalayan crocodile handbag.

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Trump wins: what is a private investor to do?

Thu, 10 Nov 2016 00:57:12 GMT

Presenter Claer Barrett and guests discuss what fund managers are advising us to do with our money in light of potential changes in the US economy and foreign policy. Also on the show: the Tesco Bank hack, and former pensions minister Baroness Ros Altmann on the problems with the Lifetime Isa.

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Biometrics, hacking and your money

Thu, 03 Nov 2016 00:52:08 GMT

In this week's edition of the Money Show, Claer Barrett and guests discuss biometrics, sustainable investing and how the dystopian future of hit Netflix show Black Mirror could soon be a reality of our personal finances (sort of).

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Investment trusts come back into fashion

Wed, 26 Oct 2016 23:38:05 GMT

Presenter Claer Barrett and guests discuss the trend for investment trusts to venture into esoteric asset classes as they reinvent themselves, as well as the launch of a new, crowdfunded version of the traditional vehicle that promises accountability and transparent fees.

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The return of inflation

Wed, 19 Oct 2016 23:44:28 GMT

Presenter Claer Barrett and guests discuss how to invest amid rising inflation in Britain, and the place of Asian stocks in a portfolio. We also hear from the Conservative MP who wants the new, Lifetime Isa to be put to rest.

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Household bills - what do your elderly parents pay?

Thu, 13 Oct 2016 00:32:52 GMT

In this week's FT Money show, presenter Claer Barrett and guests discuss "the switcher's charter" as they look at how to get the best deals on your mortgage, bills or bank account, how the chancellor can help first time buyers, and why millennials keep losing their pensions.

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The perils of owning a period property

Thu, 06 Oct 2016 00:12:46 GMT

In this week's FT Money show, presenter Claer Barrett and guests discuss the problems of buying listed buildings, the outlook for pensions from the Tory party conference, and how your budding new romance may soon be hit with a "love tax."

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Desperately seeking income

Thu, 29 Sep 2016 02:17:23 GMT

Central bank monetary stimulus is propelling the prices of traditional income-producing investments ever higher, reducing their yields and sending income-hunters into riskier assets. How to assess whether what your money manager is selling you is safe. Plus: paying tax on our smartphones, and where our donations to medical research really go.

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Dragging pensions out of the Stone Age

Thu, 22 Sep 2016 00:01:52 GMT

In this week's Money Show, presenter Josephine Cumbo discusses the need for digitisation of pensions, how to make your existing pension pot last, and why the retirement industry must become less boring for younger savers.

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Middle classes buy in below stairs services

Thu, 15 Sep 2016 03:54:50 GMT

In this week's FT Money show, presenter Naomi Rovnick and guests discuss the rise of the 'do it for me' economy, absolute return funds, and how to make the most of your workplace cycle to work scheme.

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Is London's property bubble about to burst?

Thu, 08 Sep 2016 00:41:07 GMT

In this week's Money Show, presenter Claer Barrett and guests discuss whether it is time to bail out of London real estate, as well as the future for investing in bond proxies, and why UK economic data has surprised on the upside.

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The pensions tax squeeze

Thu, 01 Sep 2016 01:13:50 GMT

In this week's FT Money show, presenter Claer Barrett is joined by Jason Hollands, managing director of investment adviser Tilney Bestinvest, to discuss how wealthy investors are pushing up demand for tax-efficient Venture Capital Trusts (VCTs) as new rules restrict how much they can save into their pensions. Plus, reaction to Andy Haldane's comments on how he'd pick property over a pension, and the early impact of London's 24 hour tube.

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Teaching your children about money and wealth

Thu, 11 Aug 2016 02:15:44 GMT

The "rich kids of Instagram" phenomenon has unsettled many parents, affluent or not. How can you ensure your children have enough to do what they want, but not so much that they do nothing? Also on the show: zero interest credit card transfers

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Should you cash in your final salary pension?

Wed, 03 Aug 2016 23:11:25 GMT

In this week's FT Money show, presenter Jo Cumbo and guests discuss whether it's time to cash in that precious "gold-plated" company pension.

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Should parents repay a child's student loans?

Thu, 28 Jul 2016 00:48:04 GMT

In this week's FT Money show, presenter Claer Barrett and guests discuss student loans, leasehold properties, and how to talk to your children about your wealth.

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Your Brexit FAQs answered

Wed, 20 Jul 2016 23:38:32 GMT

In this week's Money Show, FT correspondents and outside guests tackle questions we have received from our community of readers and listeners on Brexit and the pound, property and interest rates.

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Investing in fine wine

Thu, 14 Jul 2016 00:22:13 GMT

In this week's Money Show, presenter Claer Barrett and guests discuss fine wine, bond funds, savings accounts and the Bank of England's interest rate decision

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Stuck in property funds

Thu, 07 Jul 2016 05:04:09 GMT

Commercial property funds are pulling up the drawbridge after Brexit. FT Money deputy editor James Pickford discusses your options, as well as looking at the commuter chaos on Southern Rail, and a new tax clampdown on contractors.

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What does Brexit mean for my money?

Thu, 30 Jun 2016 02:49:35 GMT

Much of what will happen after Brexit remains obscure, but in this special post-referendum podcast, FT Money deputy editor James Pickford and guests discuss the ramifications for the future of British investments, property and pensions.

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Flying in first class for a fraction of the cost

Thu, 23 Jun 2016 01:58:51 GMT

Some people are so good at collecting air miles and hotel points that they live a life of luxury for a fraction of the cost, but how easy is this for the average person? FT Money deputy editorJames Pickford and guests also discuss the latest woes in the beleaguered annuities market, and whether or not retail investors should bother with private equity funds.

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Nudging millennials to save for the future

Thu, 16 Jun 2016 00:12:46 GMT

How new micro-investing apps could help young people to invest their spare change. Plus does cash beat shares? Presenter Claer Barrett probes Paul Lewis on his latest research, and we ask how sustainable oil dividends are for investors.

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Where next for buy to let?

Thu, 09 Jun 2016 05:47:39 GMT

Higher costs and tighter mortgage lending mean the sums no longer add up for many landlords. Presenter Claer Barrett and guests discuss the growing attractiveness of property in the north of England, plus John Lee debates how to get your children interested in the stock market, and we ask what would you do with your money if you only had a year to live?

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What women want from investments

Thu, 02 Jun 2016 00:07:26 GMT

Women display reckless caution through their love of cash savings and are missing out hugely on stock market returns. Claer Barrett and guests discuss why women avoid putting their money to work in financial markets, and what they and the (male dominated) asset management industry should do to solve this problem.

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The hidden charges in your pension and investments

Thu, 26 May 2016 03:51:58 GMT

Presenter Claer Barrett and asset management experts discuss the multitude of charges taken out of our investment funds, workplace pensions and SIPPs. The FT's wealth correspondent Hugo Greenhalgh talks about the financial challenges facing Britain's "squeezed middle", who get less government assistance as their cost of living mounts. Columnist Lindsay Cook reveals the difficulties she encountered in helping a friend who has multiple pensions.

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Please (equity) release me?

Thu, 19 May 2016 04:25:07 GMT

Are loans that can eat up the value of your home ever worth it? Claer Barrett and guests discuss the pros and cons.

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How to protect your wealth as the Brexit vote nears

Thu, 12 May 2016 04:18:50 GMT

Should investors bet on Brexit? With a few weeks to go until the referendum, should private investors be prepared for mayhem in the markets – or a “snapback” in UK equities if Britain votes to stay within the EU? Presenter Claer Barrett and David Stevenson, the FT's Adventurous Investor, map out potential trading routes. Plus former UK pensions minister Steve Webb argues for the speedy introduction of a "pensions dashboard" to help savers see if their retirement funds are running on empty.

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How to cut the cost of your wedding (without scrimping on romance)

Thu, 05 May 2016 04:23:52 GMT

Claer Barrett and guests discuss how to prevent a white wedding tipping your finances into the red. Plus the rise of online betting and the row over second homes in St Ives.

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Drawing the state pension: does it pay to delay?

Thu, 28 Apr 2016 05:00:16 GMT

Claer Barrett and guests discuss how you may benefit from waiting to start dipping into the UK state pension, as well as the merits of fund managers and financial advisers spending so much time on the golf course.

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Bidding for returns: is commercial property an alternative to buy-to-let?

Wed, 20 Apr 2016 14:47:47 GMT

Claer Barrett and guests discuss the attractions of investing in commercial property, whether now is the time to invest in oil stocks, and how auto-enrolment pensions don't add up

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What Brexit could mean for your money

Wed, 13 Apr 2016 14:34:44 GMT

Naomi Rovnick and guests discuss the impact of EU membership on UK investors, as well as fund managers' short-termism and how useful the Panama Papers could prove to HMRC

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Soaring classic car prices and the wealth management bandits who target expats

Wed, 06 Apr 2016 13:21:51 GMT

Why runaway classic car price rises could slow down The wealth management bandits who raid expats' savings Asian stocks as income investments

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A year of pension freedoms and the buy-to-let meltdown

Wed, 30 Mar 2016 14:41:21 GMT

Are we investing our pension cash wisely or being scammed?Buy-to-let investors in panic rush to buy before a big tax rise

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Millennials: moaners or martyrs? Janan Ganesh takes on Aime Williams

Wed, 23 Mar 2016 15:11:31 GMT

Claer Barrett and guests discuss whether young people are entitled to moan about money, whether loyalty pays with store cards, and how investors could quantify political risks

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A Budget for the next generation?

Wed, 16 Mar 2016 15:20:00 GMT

George Osborne's Budget delivered a surprise boost for millennials in the form of the Lifetime ISA. But how will it hit other age groups in the wallet? FT Money editor Claer Barrett gets first reactions from Raj Mody, head of pensions at PwC; Christine Ross, head of advice at wealth management firm Heartwoods, and Nimesh Shah, partner and tax specialist at Blick Rothenberg.

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The high price of romance

Wed, 09 Mar 2016 16:54:47 GMT

Claer Barrett and guests discuss the costs of matchmaking and changes to how pensions are taxed in the UK

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How will Brexit affect your investments?

Thu, 03 Mar 2016 07:00:00 GMT

The likely cost to investors of a Brexit. How fund managers' fees can swipe 40% of a retirement pot. Income investing and your Isa.

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Re-emerging markets?

Wed, 24 Feb 2016 15:26:09 GMT

Are emerging market stocks in the bargain bin for good reasons? Or is it time to buy back in? How should emerging markets fit into a balanced portfolio?

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£100k salaries and the 60% tax curse

Tue, 16 Feb 2016 17:02:11 GMT

Why people earning £100k or more are paying a marginal tax rate of 60 per cent. The pitfalls of trying to pick stocks in China. How 'smart beta' is causing dumb investing decisions.

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Young, gifted and broke

Wed, 10 Feb 2016 14:38:06 GMT

Millennial money: how 20-somethings think about finance.The ease of sinking into unmanageable credit card debt. Divorce for £59 online? This could be a costly DIY mistake.

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Protect your pension from the taxman

Wed, 03 Feb 2016 15:05:44 GMT

The lowering of the lifetime pension savings allowance. Should people near retirement continue building pension pots?Investment fund managers buying 'valueless' research: how this hits your pension.

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Dividends in danger

Thu, 28 Jan 2016 12:10:15 GMT

FTSE dividend yields are high, but is this a warning sign?The assault on the buy-to-let sector.Why digital tax returns really are exciting.

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Is oil the contrarian buying opportunity of a generation?

Wed, 20 Jan 2016 15:35:32 GMT

How to pick stocks for an oil price recovery. Why "flatflation" (zero inflation) will hit our finances.Higher-rate pension tax relief - why it could be scrapped.

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How to take a grown-up gap year

Wed, 13 Jan 2016 16:18:13 GMT

Plan and finance the sabbatical or extended beach holiday you've always dreamed of. Why wealth advisers are still really just chasing fees. HMRC cracks down even harder on undisclosed offshore funds.

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How to get a pay rise

Wed, 06 Jan 2016 15:43:59 GMT

A former big company MD tells you how to argue for a raise, while we also advise how to detox your finances for 2016.

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Rates have risen, so what next?

Thu, 17 Dec 2015 12:14:54 GMT

How to invest in an environment of rising US interest ratesWhy European stocks look attractive

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Does your family have designs on your pension?

Thu, 10 Dec 2015 16:38:22 GMT

Pensions freedoms and the risks of adult children financially abusing their parents. Generation rent struggles to get on the housing ladder. Time to buy European stocks for their dividends.

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Lord Lee, the retail investor who turned £150,000 into £4.5m

Wed, 02 Dec 2015 17:34:42 GMT

Baron Lee of Trafford shares his stock-picking strategiesThe best ways to save money on your Christmas shopAre Help-to-Buy ISAs worth it?

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Buy to Let-down - how will new stamp duty rules hit landlords?

Wed, 25 Nov 2015 16:52:44 GMT

FT Money editor Claer Barrett debates the Autumn Statement's property shock with tax experts

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High earners and divorce

Wed, 18 Nov 2015 17:24:53 GMT

Is divorce getting cheaper for high earners? Fund managers pressured to come clean on hidden costs. Fundsmith founder Terry Smith's top investment tips

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Last of the tax loopholes

Wed, 11 Nov 2015 16:42:18 GMT

From stakes in crematoria to leasing dustbin vans...we profile the unusual tax-efficient investments that remain available in the UK, following the government's moves to close multiple loopholes. This episode also discusses how to not get caught by mortgage or insurance deals ending, and Brits' enduring love of buy-to-lets as pension proxies.

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Do you know how much your personal data is worth?

Wed, 04 Nov 2015 17:09:13 GMT

Who is willing to pay for your data?Why MPs have rapped HMRC for its customer service. Which stocks will benefit from resurgent UK consumer spending?

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The nightmare on pension street

Wed, 28 Oct 2015 17:12:07 GMT

As its Halloween, this Money Show discusses pension changes that promise more trick than treat, the "hammer horror" of auction house commissions, and why even companies with the growth profile of zombies can provide juicy dividends.

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How to pay the nanny's pension

Thu, 22 Oct 2015 09:19:04 GMT

How the pension needs of nannies will raise the bills for middle class parents.Investment trusts come under scrutiny. How to invest in the growing spending power of the Chinese consumer.

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Buy-to-let investors feel the heat

Wed, 14 Oct 2015 23:00:00 GMT

FT deputy personal finance editor James Pickford and guests discuss how the government is putting buy-to-let investors under stress, and how young people should plan their finances for a lifetime.

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Student finances, Steve Webb on pensions and a digital dawn for HMRC

Tue, 29 Sep 2015 23:00:00 GMT

The FT's Money Mentor looks at student money worries. Plus Steve Webb, the former pensions minister, answers questions on the new State Pension. And we delve into HMRC's plans for digital filing.

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Do sports stars have a winning financial strategy?

Wed, 23 Sep 2015 23:00:00 GMT

Celebrity sportspeople can earn hundreds of thousands of pounds a week - but how do they make the good times last? Plus veteran investor Terry Smith tells us why he doesn't hold pharma stocks, and FT Money's new columnist Paul Lewis, presenter of Moneybox, tells us why he thinks Premium Bonds are a good bet.

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Is there any such thing as a defensive share?

Wed, 09 Sep 2015 23:00:00 GMT

A trip to the hairdressers inspires FT Money editor Claer Barrett to delve into defensive shares. Plus we analyse the growing pensions drawdown market and take a look at the mini bonds market.

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Other People's Money: John Kay talks exclusively to the FT about his new book

Tue, 01 Sep 2015 23:00:00 GMT

Leading economist and finance industry insider John Kay talks exclusively to the FT's Claer Barrett about what has gone wrong in the dark heart of the finance sector.

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Global stock market volatility and private banks' digital push

Tue, 25 Aug 2015 23:00:00 GMT

Claer Barrett and guests discuss the aftermath of 'Black Monday' in Chinese markets for private investors, and how the digital revolution is finally reaching the world of private banking

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Future of retirement: How much do you need to save?

Wed, 19 Aug 2015 12:25:00 GMT

With a pension savings crisis looming and sweeping changes affecting the rules on how we spend and deploy our retirement savings, it's becoming ever harder to avoid the issue.Judith Evans talks to savers and pensions experts about how best to plan for retirement.

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Rising interest rates, gold bugs and Chinese funds

Tue, 11 Aug 2015 23:00:00 GMT

This week we look at how to prepare for an interest rate rise plus how to make money from gold. And for the more adventurous investor, we examine the prospects for Chinese funds

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Becoming a landlord, liquidity risks of investing and social investments

Tue, 04 Aug 2015 23:00:00 GMT

This week's podcast examines the dilemma of whether you should sell or rent out your home if you're offered a job abroad. Plus, we examine liquidity risks of income drawdown and the tax breaks on social investments.

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Will disputes, alternative assets and holiday swindles

Tue, 28 Jul 2015 23:00:00 GMT

Claer Barrett and guests discuss some unusual investments that warrant investor caution, and the implications of a landmark ruling for those leaving a financial legacy to their families

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Rich rewards from farmland? Plus angel investing and dividends

Wed, 22 Jul 2015 23:00:00 GMT

Investors in farmland reap a rich harvest. Plus we look at the attractions and risks of angel investing and how the dividend tax could deliver a bumper year.

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Female breadwinners, China's meltdown and HMRC's latest crackdown

Tue, 14 Jul 2015 23:00:00 GMT

FT Money looks at the ups and downs of being a female breadwinner. We also discuss what China's market meltdown means for your investments and HMRC's latest crackdown on those it thinks have broken the rules.

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Budget special: Buy-to-let, tax on dividends and inheritance tax

Wed, 08 Jul 2015 14:55:00 GMT

How will the measures in the first Conservative Budget since 1997 affect your finances? Jonathan Eley unpacks the policy details with the help of Nimesh Shah, partner at Blick Rothenberg; Jason Butler, founder of Bloomsbury Wealth, and Claire Evans, partner at Deloitte.

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Self-building, Greek travel and community shares

Tue, 30 Jun 2015 23:00:00 GMT

James Pickford and guests discuss the costs and challenges of building your own home, what those travelling to Greece should carry in their wallets, and the rise of community share offers to fund local projects

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Greek crisis, the sharing economy and pensions advice

Tue, 23 Jun 2015 23:00:00 GMT

Claer Barrett and guests discuss what Greek debt negotiations mean for European investors, making money from spare bedrooms and parking spaces, and what distinguishes guidance from advice for pension savers

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20 years of Aim - we expose the risks - and delve into the £1bn pensions spending spree

Tue, 16 Jun 2015 23:00:00 GMT

As Aim celebrates 20 years on the LSE, Claer Barrett and Professor Paul Marsh assess the risks. And Josephine Cumbo asks what more could be done to help UK pensioners access their pension cash.

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Pre-nups, German rent controls and pension freedoms

Wed, 10 Jun 2015 23:00:00 GMT

As the summer wedding season approaches more of us are insisting on a pre-nup before we walk down the aisle. Are these legally binding? Plus we ask whether London can learn from Berlin in terms of rent controls and discuss pension freedoms

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Merryn Somerset Webb, Lloyds bank shares and anomalies in the tax system

Tue, 02 Jun 2015 23:00:00 GMT

This week Merryn Somerset Webb makes a guest appearance on the show to talk about her column on the path to financial happiness. We also debate what the sell off of Lloyds shares means for investors and delve into anomalies in the tax system

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Right to Buy, future of banks and safety deposit boxes

Tue, 26 May 2015 23:00:00 GMT

This week we delve into the Queens Speech and how it could transform the UK's housing market. Plus what is the future for banks, and should you use a saftey deposit box in light of the Hatton Garden heist

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30th anniversary of FT Money, nanny pensions and investing in wine

Tue, 19 May 2015 23:00:00 GMT

It's the 30th anniversary of FT Money - we look back at three decades of investing. This week, new FT Money editor Claer Barrett also delves into the world of nanny tax and investing in wine

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Post-election housing policies, Brewdog crowdfunding and the new pensions minister

Tue, 12 May 2015 23:00:00 GMT

The FT's James Pickford talks to Knight Frank's Liam Bailey about the housing market post election. This week's show also examines Brewdog's bid to raise £25m from crowdfunding and what the new pensions minister means for your retirement savings

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The election, alternative property and the bond market

Wed, 06 May 2015 23:00:00 GMT

This week we look at the effect of the Election on your finances, alternative ways of getting onto the property ladder and the bond market warnings.

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Alliance Trust, final salary pension schemes and investment themes

Tue, 28 Apr 2015 23:00:00 GMT

This week's show looks at the latest events at Alliance Trust and the threats facing final salary pension schemes. Jonathan Eley also interviews the FT's James Mackintosh about the investment trend to 'Sell in May'.

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Payday lenders, mortgage limits & Woodfood's investment trust

Tue, 21 Apr 2015 23:00:00 GMT

Jonathan Eley and guests discuss the plight of payday lenders subject to tighter regulation, lending in the first year after the mortgage market review, and whether enthusiasm for Neil Woodford's small cap investment trust is justified

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Zero inflation, pension tax relief and the electoral roll

Tue, 14 Apr 2015 23:00:00 GMT

Jonathan Eley and guests discuss what the period of zero inflation means for mortgage borrowers, how political parties are planning to raid pension tax relief, and what the electoral roll is used for beyond voting

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Jisas, buy-to-let and new tax reliefs

Tue, 07 Apr 2015 23:00:00 GMT

This week's show looks at how easy it is to transfer a child trust fund into a Junior Isa. Jonathan Eley also questions whether the 'wall' of pension money set to hit the buy-to-let market could actually be just a trickle. And the team examines what new tax reliefs are available to taxpayers and savers.

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Pension cash, fund stewardship and overseas property

Tue, 31 Mar 2015 23:00:00 GMT

This week's show looks at taking cash out of your pension fund and whether fund managers are looking after your money. Jonathan Eley also talks to James Pickford about the outlook for holiday property.

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Pensions guidance, house prices and Alliance Trust

Wed, 25 Mar 2015 00:00:00 GMT

Jonathan Eley and guests discuss what to expect from free guidance on pension options, whether house prices are finally coming off the boil, and the future of the UK's largest investment trusts

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Budget 2015: How your personal finances could be affected

Wed, 18 Mar 2015 16:10:00 GMT

George Osborne's no-giveaway budget has given away a higher personal tax allowance, access to retirement annuities (but a cut to the lifetime pension allowance), and a new Help to Buy ISA for first-time home-buyers. Matthew Vincent discusses how these measures will affect your finances with the help of Nicola Roberts, partner at Deloitte; Nimesh Shah, partner at Blick Rothenberg; and Jason Butler, founder of Bloomsbury Wealth.

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Digital passports, Isa deadline and tax avoidance

Wed, 11 Mar 2015 00:00:00 GMT

This week's show delves into the new digital passport and offers advice on where to put this year's Isa allowance. We also ask who is really to blame for the tax avoidance scandals that have been hitting headlines?

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A stronger pound, crowdfunding and farmland

Wed, 04 Mar 2015 00:00:00 GMT

Jonathan Eley and guests discuss the effect of a stronger pound on holidaymakers, why money is pouring into risky crowdfunding and ways to invest in farmland

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Election implications, renewables and car financing

Thu, 26 Feb 2015 00:00:00 GMT

This week's show looks at how investors are reacting to the uncertainty surrounding the general election. James Pickford also delves into green energy and the mysterious world of car financing

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Pension drawdown, investment behaviour and enterprise investment schemes

Thu, 19 Feb 2015 00:00:00 GMT

Lucy Warwick-Ching and guests discuss Hargreaves Lansdown's cut to drawdown costs, why people are prone to making irrational investment decisions, and the merits of investing in enterprise investment schemes

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Conveyancing, pension scheme deficits and fund fees

Wed, 11 Feb 2015 00:00:00 GMT

Jonathan Eley and guests discuss a new service that promises to speed up home purchases, record private sector pension scheme deficits, and the latest in the debate on fund management fees

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Card compensation, protecting pension savers and property websites

Wed, 28 Jan 2015 00:00:00 GMT

Jonathan Eley and guests discuss compensation for those mis-sold credit card insurance, measures to help pension savers make the right financial decisions, and the new property portal OnTheMarket.com

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Savings rates, equity release and cybersecurity

Wed, 21 Jan 2015 00:00:00 GMT

Jonathan Eley and guests discuss the FCA's criticism of the savings market this week, why equity release is on the rise, and the vulnerability of investments and savings to cyber criminals

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Corporate leadership, tax returns and annuity reforms

Wed, 14 Jan 2015 00:00:00 GMT

James Pickford and guests discuss the importance of company management for investors, tips for taxpayers ahead of the self-assessment deadline, and proposals that would allow annuity holders to sell their products

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Pension reforms, mortgage slowdown and student housing

Thu, 08 Jan 2015 00:00:00 GMT

Jonathan Eley and guests discuss the major pension reforms effective in April, how the mortgage market slowdown is affecting high-value borrowers, and the troubles afflicting student accommodation funds

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Basic bank accounts, investing in Russia and financial advice

Wed, 17 Dec 2014 00:00:00 GMT

Jonathan Eley and guests discuss whether free current accounts are under threat, the investment climates in Japan and Russia, and whether people are receiving better financial advice two years after major reforms

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Investing in Tesco, state pensions and payday lenders

Thu, 11 Dec 2014 00:00:00 GMT

James Pickford and guests discuss how Tesco's woes are affecting investors, why the new single tier state pension does not benefit everyone, and how new regulations will affect the payday lending industry

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Autumn Statement: what it means for your money

Thu, 04 Dec 2014 00:00:00 GMT

Jonathan Eley and guests discuss changes to stamp duty rates for house buyers, inheritance rules for individual savings accounts, and changes for peer-to-peer lending

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Credit cards, buy-to-let investments and pet projects

Wed, 26 Nov 2014 00:00:00 GMT

Jonathan Eley and guests discuss whether an FCA investigation will make it harder to get a credit card, if booming returns for buy-to-let landlords can be sustained, and how investors can profit from pet animals

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State pensions, multi-asset funds and Swiss gold

Wed, 19 Nov 2014 00:00:00 GMT

This week's show discusses forthcoming changes to state pension rules, whether multi-asset funds present solutions for ordinary investors, and how a vote in Switzerland could affect the gold price

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Payday lending, mortgage brokers and Chinese shares

Wed, 12 Nov 2014 00:00:00 GMT

Jonathan Eley and FT colleagues discuss the expected demise of so-called payday lenders, the rise of mortgage brokers and other intermediaries, and the opening up of the Shanghai stock exchange to foreign investors

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Holiday pay ruling, bequeathing money and salary sacrifice

Wed, 05 Nov 2014 00:00:00 GMT

This week's show looks at the impact of this week's court ruling on holiday pay entitlements, why people choose to leave their natural heirs out of their will, and how salary sacrifice can be used to save tax

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Bank closures, junior Isas and European equities

Wed, 29 Oct 2014 00:00:00 GMT

Jonathan Eley and guests discuss whether Lloyds' branch closures spell the end of high street banking, the third birthday of junior individual savings accounts, and where value may lie in European shares

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Low interest mortgages, ethical investing and Equitable Life

Wed, 22 Oct 2014 23:00:00 GMT

This week's show looks at new mortgage deals offering very low interest rates, the performance of ethical investment funds, and Jonathan Eley talks to Equitable Life pension holders who were protesting this week

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UK inflation, HMRC powers and pension freedoms

Tue, 14 Oct 2014 23:00:00 GMT

FT economics editor Chris Giles joins Jonathan Eley to discuss the impact of the latest inflation figures. Also in the show, is the arm of the taxman reaching too far? And why the latest pension freedoms may not prove revolutionary

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Working longer, the Brazilian economy and investing in books

Wed, 08 Oct 2014 23:00:00 GMT

Jonathan Eley and guests discuss the government's wish for us to stay in work longer, whether Brazil's elections may boost emerging markets, and whether money can be made from collecting antique books

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Pension "death tax", mortgage prisoners and asset portfolios

Wed, 01 Oct 2014 23:00:00 GMT

Jonathan Eley and guests discuss who will really benefit from pension funds passing tax free to heirs, how some people are trapped on their current mortgage rate, and whether ready-made asset portfolios are any good

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Mansion taxes, investment psychology and intestacy rules

Wed, 24 Sep 2014 23:00:00 GMT

This week's show looks at how a proposed mansion tax may work and who would be affected, plus how behavioural psychology can aid investors, and how inheritance laws are changing where there is no will

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Pension cash, property p2p and Alibaba

Thu, 18 Sep 2014 23:00:00 GMT

Should you use your pension pot to repay your mortgage? Also in this week's show, is property investment through peer-to-peer lending worth it? And why should investors be cautious about Alibaba's IPO?

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Scottish referendum: what it means for investors and homeowners

Wed, 10 Sep 2014 23:00:00 GMT

Jonathan Eley and guests, Jane Sydenham of wealth manager Rathbones and David Hollingworth of London and Country Mortgages, discuss the potential impact of a "Yes" vote next week for private investors and for the property market.

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Pension exit fees, offline finances and PPI

Wed, 03 Sep 2014 23:00:00 GMT

Jonathan Eley and guests discuss expensive legacy pension schemes, the challenges faced by those who do not manage their finances online, and why PPI compensation isn't yet finished

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Annuities, the bond bull market and football funds

Thu, 21 Aug 2014 14:00:00 GMT

Jonathan Eley and guests discuss why you need to be more careful than ever when choosing an annuity, how long the bond bull market can last and the football fund run by former England boss Terry Venables

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Monetary policy, challenger banks and active funds

Tue, 12 Aug 2014 23:00:00 GMT

Jonathan Eley and guests discuss the Bank of England's latest comments on house prices and wages, challengers to incumbents in retail banking, and whether now is the time to return to actively managed funds

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Mortgage lending, ETFs and poor pension products

Wed, 06 Aug 2014 23:00:00 GMT

In this week's show, James Pickford and guests discuss strange deals in the mortgage market, why exchange-traded funds are in vogue, and how many pensioners are stuck in poor value pension products

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Asset management, corporate bonds and annuities

Wed, 30 Jul 2014 23:00:00 GMT

James Pickford and guests discuss how changes in the asset management industry could benefit investors, the potential risks for corporate bond funds, and the sale of inappropriate annuity products

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Pension reforms, holiday homes and investing in university research

Tue, 22 Jul 2014 23:00:00 GMT

Jonathan Eley and guests discuss new pension rules that will apply from next April, what to bear in mind when buying property overseas, and how investors can access ideas emerging from universities

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Tax avoidance clampdown, employer pensions, and family finances

Wed, 16 Jul 2014 23:00:00 GMT

What's your employer doing with your pension? Jonathan Eley and guests also discuss HMRC's crackdown on tax avoidance scheme investors, and the latest venture aimed at spreading financial risk across generations

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Savings rates, China vs India, and buy-to-let

Wed, 09 Jul 2014 23:00:00 GMT

Jonathan Eley and guests discuss the state of the UK savings market, whether retail investors should look again at China and India, and if buy-to-let landlords will ever have it so good again

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Property funds, investment strategy and Islamic pensions

Wed, 02 Jul 2014 23:00:00 GMT

James Pickford hosts a discussion of the appeal and risks of popular property funds as well as a new sharia-compliant pension product, plus the insights of FT investment editor James Mackintosh on where value lies for investors

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Controlling house prices, minimising tax and star fund managers

Wed, 25 Jun 2014 23:00:00 GMT

In this week's show, Jonathan Eley and guests discuss the Bank of England's measures to cool the UK's housing boom, a range of tax-efficient investments and the risks attached, and the latest fund news from Neil Woodfood and Terry Smith

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New ISAs, pensions advice and IFA liability

Wed, 18 Jun 2014 23:00:00 GMT

James Pickford and guests discuss what forthcoming reforms to ISAs mean for investors, how the pensions industry may provide guidance promised to retirees, and the liability of independent financial advisers for bad investment advice

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Energy prices, expensive divorces and Tesco Bank

Wed, 11 Jun 2014 23:00:00 GMT

In this week’s show, Jonathan Eley and guests discuss why the Big Six energy companies aren’t cutting prices, why divorce is becoming more common - and expensive - and how Tesco’s new current account measures up.

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Dutch-style pensions, P2P lending and Green Deal

Wed, 04 Jun 2014 23:00:00 GMT

Could proposed collective pension plans deliver more income? Jonathan Eley and guests also discuss how peer-to-peer lending may be incorporated in ISAs, and how to claim government money for improving your home's energy efficiency

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TSB flotation, Scottish independence and fracking

Wed, 28 May 2014 23:00:00 GMT

In this week's show, Jonathan Eley and guests discuss the prospects of TSB, the impact of a Scottish independence vote for investors and business, and whether there is money to be made from fracking

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Mortgage market, pension products and small caps

Wed, 21 May 2014 23:00:00 GMT

Are new lending rules slowing mortgage lending? Jonathan Eley and guests also discuss emerging alternatives to annuities, and whether the rally in small company shares is coming to an end.

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Stop-gap annuities, private equity and investor charges

Wed, 14 May 2014 23:00:00 GMT

In this week's show, Jonathan Eley and guests discuss whether new flexible annuity products offer savers value, if investing in private equity is worth it, and the confusing array of charges that investors face

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British banking, building to rent and investing in commodities

Wed, 07 May 2014 23:00:00 GMT

What will a reformed Barclays mean for shareholders and customers? Jonathan Eley and colleagues also discuss whether "build to rent" is taking hold in the UK property market, and the different ways of investing in commodities

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Pensions guidance, Woodford's new venture and frontier markets

Wed, 30 Apr 2014 23:00:00 GMT

Jo Cumbo explains why the government's pensions guidance guarantee is not quite what it seems. Also in the show, David Oakley talks about the prospects of Neil Woodford's new fund, and Jason Hollands of Bestinvest explains the performance of frontier markets

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Mobile payment, the mortgage market and structured products

Wed, 23 Apr 2014 23:00:00 GMT

Jonathan Eley and guests discuss next week's launch of mobile payment service Paym, why getting a mortgage may become more expensive and time-consuming, and the attractions and risks of structured products

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Protection for tenants, investing in UK technology, and index-hugging fund managers

Tue, 15 Apr 2014 23:00:00 GMT

What will redress, if not quite regulation, mean for tenants of rental properties? How can you invest in the UK's best technology companies? And is your fund manager a closet index-hugger?

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Protection for tenants, investing in UK technology, and index-hugging fund managers

Tue, 15 Apr 2014 23:00:00 GMT

What will redress, if not quite regulation, mean for tenants of rental properties? How can you invest in the UK's best technology companies? And is your fund manager a closet index-hugger?

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UK property market, investment charges and international equities

Wed, 09 Apr 2014 23:00:00 GMT

James Pickford and guests discuss the transparency of fees and charges for investment advice, whether a property bubble is emerging, and how to invest in overseas stock markets cost-effectively

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FCA credit card probe, star fund managers and regulated crowdfunding

Wed, 02 Apr 2014 23:00:00 GMT

Why has the regulator ordered a probe into the UK's £150bn credit card? Jonathan Eley and guests also discuss the performance of fund management's galacticos and the new rules governing peer-to-peer lenders and crowdfunding websites

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Budget special: major pension reforms, ISAs and tax avoidance

Thu, 20 Mar 2014 00:00:00 GMT

This week's Budget was nothing short of revolutionary. Jonathan Eley and guests discuss the implications of the Chancellor's reforms for ISA savers, pension holders, and investors in tax avoidance schemes

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Reduced mortgage offers, Invesco leadership and Lloyds capital restructuring

Thu, 13 Mar 2014 00:00:00 GMT

How can pension contributions and student debt affect your mortgage offer? Also in this week's show, FT investment correspondent David Oakley talks about the man taking over at Invesco, and Elaine Moore discusses the impact of Lloyds' restructuring on retail investors

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Isa special - Cash Isas, junior Isas, and where to invest

Thu, 06 Mar 2014 00:00:00 GMT

Why are cash Isa rates so low and yet so popular? This week's Isa special also takes a look at junior Isas, and Tom Stevenson of Fidelity talks about where to invest your allowance

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Mortgage rates, investing in biotech, and with-profits

Thu, 27 Feb 2014 00:00:00 GMT

When mortgage rates rise, how bad will it be? Jonathan Eley and guests also discuss whether the UK biotech sector is set for a boom, and whether with-profits policies are worth retaining

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Bitcoins, falling inflation and male life expectancy

Thu, 20 Feb 2014 00:00:00 GMT

Is it really time to swap your pounds for bitcoins? Also in the show, what falling inflation means for investors and some good news for men who have recently retired.

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Flood insurance, annuity problems and passive investment funds

Fri, 14 Feb 2014 00:00:00 GMT

How are the recent floods going to affect house insurance premiums? Jonathan Eley and guests also discuss problems with the annuity business, as well as the falling cost of investing in passive funds

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PPI and CPP compensation, investing in China, and solar panels for retirement

Thu, 06 Feb 2014 14:45:00 GMT

As banks' total PPI bill nears £20bn, is there anyone else entitled to compensation? Chinese equities have rarely been cheaper but which obstacles remain to investors? And are solar panels really a viable investment for your retirement?

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Emerging market turmoil, investment platforms and renting luxury assets

Thu, 30 Jan 2014 00:00:00 GMT

Are we seeing a re-run of the 1990s? Jonathan Eley discusses EM volatility with the FT's Jonathan Wheatley. Plus, how to choose the right investment platform and whether luxury goods can pay their way

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Workplace pension schemes, real estate investment trusts and equity release

Thu, 23 Jan 2014 14:00:00 GMT

Will the government limit the charges applied to workplace pension schemes – and if so, when? Real estate investment trusts should do what it says on the tin, and the pros and cons of equity release

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Changes to platform pricing, pension system failures and bankruptcy

Thu, 16 Jan 2014 00:00:00 GMT

Jonathan Eley talks to Andy Creak of rPlan about what the latest changes to platform pricing mean for investors, Jo Cumbo discusses why the pension system fails those with modest savings, and Elaine Moore asks if going bankrupt should be easier than it is now, or harder

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Problems with Help to Buy, alternative assets and investment predictions

Thu, 09 Jan 2014 00:00:00 GMT

What can investors expect from 2014? Why isn't the government's Help to Buy scheme available for all properties? And are expensive cars, watches and Chinese art a better bet than stock markets?

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What's the outlook for savers, borrowers and investors in 2014?

Thu, 19 Dec 2013 00:00:00 GMT

FT Money looks back at 2013 and ahead to 2014 with Paul Kavanagh from Killik & Co.

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Bank bonuses, investing in Asia, and foreign property buyers

Thu, 12 Dec 2013 00:00:00 GMT

More scandalous behaviour at Britain's leading banks. Why southeast Asia could be worth looking at for adventurous investors. And why wealthy foreigners are still buying UK property to rent out.

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FT Money Autumn Statement special podcast

Thu, 05 Dec 2013 00:00:00 GMT

Jonathan Eley talks to three experts about what the autumn statement means for you. Christine Ross of SG PB, Claire Evans of Deloitte and Paul Emery of PwC go through the measures

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Price comparison sites, the big debate and Royal Mail

Thu, 28 Nov 2013 00:00:00 GMT

Price comparison websites are to be investigated by the City regulator. Four big investment ideas from some of the country's most eminent economists. And as Royal Mail issues its first results after flotation, we get the latest views on the shares.

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95% mortgages, shareholder perks and boiler room scams

Thu, 21 Nov 2013 00:00:00 GMT

95 per cent mortgages return, with or without a government guarantee. Shareholder perks - nice to have, but how valuable are they? And how to avoid so-called "boiler room" scams.

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Pension charges, IPO investments and stamp duty

Thu, 14 Nov 2013 00:00:00 GMT

Pensioners are being pushed into the wrong annuities. New companies are flooding onto the stock market but should ordinary investors buy their shares? And calls grow for reform of stamp duty on property.

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Co-op restructuring, India's stock market and buy-to-let landlords

Thu, 07 Nov 2013 00:00:00 GMT

What went wrong at the Co-operative Bank, and is the restructuring announced this week a fair deal? India's stock market hits a new high - but are the underlying problems really fixed? And why it's becoming easier to become a buy-to-let landlord.

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Islamic finance, retirement planning and why self-build has failed to gain traction

Thu, 31 Oct 2013 00:00:00 GMT

As London bids to become a centre for Islamic finance, are sharia financial products useful for ordinary savers and investors? The real mid-life crisis: why Britain’s middle-aged are the worst prepared for retirement. And why self-build has struggled to gain traction despite government encouragement

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Property downvaluations, energy prices and the fate of the Co-op

Wed, 23 Oct 2013 23:00:00 GMT

What to do if your lender says the house you want to buy is worth less than the offer you've put in. The furore over energy prices: are we being ripped off, or are politicians to blame for rising prices? And the inglorious fate of the Co-op - an ethical bank taken over by a couple of hedge funds

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The FT talks to Invesco Perpetual's Mark Barnett

Thu, 17 Oct 2013 23:00:00 GMT

Earlier this week the fund industry was stunned to hear that Invesco Perpetual's Neil Woodford is to leave after a 25 year glittering career. Jonathan Eley talks to Mark Barnett, who is taking over Mr Woodford's high income funds.

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Neil Woodfood's departure, social care funding and legacy disputes

Wed, 16 Oct 2013 23:00:00 GMT

If you're one of the tens of thousands of investors who hold funds managed by Neil Woodford, what should you do as he announces his departure? Ministers say no-one should have to sell their house to fund social care. But can we believe them? And the lessons to be learned from the Earl of Cardigan's unsavoury spat with his trustees

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Royal Mail shares, DIY investors and ethical investing

Wed, 09 Oct 2013 23:00:00 GMT

Royal Mail shares start trading this week after unprecedented public interest. Have the changes to the way financial products are sold made any difference to the customer experience? And why many ethical funds are not quite what they seem.

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Workplace pensions, fund charges and Help to Buy

Thu, 03 Oct 2013 16:30:00 GMT

Saving schemes for employees - will the next phase be a success? Passive investment funds - are they still the cheapest option? And why aren't banks signing up to the government's Help to Buy plan?

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Student housing, small caps and changing your bank

Wed, 25 Sep 2013 23:00:00 GMT

Student housing - are traditional terraced properties still a good buy? Small caps - why are they outperforming larger companies. And changing your bank, have you been convinced yet?

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Lloyds sell-off, university costs and manorial rights

Wed, 18 Sep 2013 23:00:00 GMT

The government starts to sell its stake in Lloyds - but will the public get a look in? As higher education costs rise we look at what the future might hold. And why manorial rights could be more than mere bragging rights.

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Royal Mail privatisation, interest rate rises and concerns over annuities

Wed, 11 Sep 2013 23:00:00 GMT

Royal Mail privatisation - could the flotation mean good news for investors? The Bank of England and the markets have radically different views about when interest rates will rise. Who has got it right? And the financial regulator faces fresh calls to intervene in the £15bn-a-year annuity market.

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Vodafone, self-invested pensions and unusual investments

Wed, 04 Sep 2013 23:00:00 GMT

Vodafone's blockbuster deal - what it means for individual shareholders. Why there is less choice these days in self-invested pensions. And the unusual asset classes that have trounced shares, bonds and property

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First time buyers, financial technology and property syndicates

Wed, 28 Aug 2013 23:00:00 GMT

First-time buyers are back - but is it good news or not. How advisers are using computer games to get you to engage with your investments. And property syndicates - should we be clubbing together?

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Gold, gilts and cash versus card payments

Wed, 21 Aug 2013 23:00:00 GMT

Gold is in the headlines again - but is it an insurance against disaster or a volatile fringe asset? Gilts are up - does this mean recovery is on the way? And if banks are right that cash is on its way out - what is going to take its place?

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Self-certification loans, pensions and current account rules

Wed, 14 Aug 2013 23:00:00 GMT

Easier access to mortgages for the self-employed - but should we worry about reckless lending? How we can fix the looming pensions crisis? And the competition hots up in current accounts.

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Interest rates, investing in commercial property and childcare expenses

Wed, 07 Aug 2013 23:00:00 GMT

What the Bank of England’s forward guidance means for you, the options for investing in commercial property and the government’s consultation on reforms to childcare.

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Crowdfunding, tax avoidance and financial advice rules

Wed, 31 Jul 2013 23:00:00 GMT

Celebrities are after your money to back their pet projects - should you trust them? Why the wealthy are growing less interested in avoiding tax. And how the new rules on paying for financial advice aren't quite working out as planned.

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Funding for Lending, peer-to-peer loans and premium bond odds

Wed, 24 Jul 2013 23:00:00 GMT

Funding for Lending one year on - what has the impact been for savers and borrowers? Peer-to-peer lending - higher risks, but also higher rewards. And how the odds of winning the premium bonds just got lighter.

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Annuities, emerging markets and minimising IHT

Wed, 17 Jul 2013 23:00:00 GMT

Relief at last for annuity buyers as gilt yields inch higher. Are emerging markets worth the extra risk? And how to minimise the impact of inheritance tax?

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First-time buyer mortgage, the hidden costs of investing and workplace pension schemes

Wed, 10 Jul 2013 23:00:00 GMT

The 0 per cent mortgage - what's the catch? The hidden costs of investing - how much is your portfolio costing you each year? And what to do if your workplace pension scheme is transferred to an insurance company?

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Aim shares, investing for the long term and gold prices

Wed, 03 Jul 2013 23:00:00 GMT

Coming soon to your Isa - shares from Aim. Investing for the very long term - what will the world look like in 2050? And the debate about gold - should private investors own it at all?

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Buy-to-let lending, confusion over care cap and what makes up the FTSE 100?

Wed, 26 Jun 2013 23:00:00 GMT

We look at the changing face of buy-to-let lending. We also expose widespread confusion over the care fees cap - we look at what is and what is not included. And we look at the overseas companies on Britain's stock market in the week that two Russian-backed mining firms are removed form the FTSE 100 index

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Banking report, China funds and NS&I

Wed, 19 Jun 2013 23:00:00 GMT

A tumultuous week for banks and bankers - but what does it mean for savers and borrowers? One of Britain's best-known fund managers admits defeat in China. And in an era of low rates and austerity, what exactly is the point of National Savings & Investments

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Pension contributions, house price indices, and long term care

Wed, 12 Jun 2013 23:00:00 GMT

More on how much and when you can contribute to your pension. House prices hit new highes - but how reliable are the indices that measure them? Plus a possible new way to finance long term care.

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New rules on alternatives, FT Money roundtable and how to invest in wine

Wed, 05 Jun 2013 23:00:00 GMT

The FCA rules on promotion of alternative investments - what's in, and what's out. Jim O'Neill on the outlook for emerging markets and China. And how to invest in fine wine

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Tax-free pension cash, behavioural finance and will writing

Wed, 29 May 2013 23:00:00 GMT

Is your company short-changing you out of your pension? How our inbuilt biases get in the way of rational investment decisions. And how to write a proper will

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Bank of Ireland, European companies and investing in classic cars

Wed, 22 May 2013 23:00:00 GMT

Bank of Ireland backs down - but should you be fearful of tracker mortgages? European companies that are defying the continental recession. And calling all petrolheads: how you can make money from classic cars

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New retail bond launches, self-build property and Co-op customers

Wed, 15 May 2013 23:00:00 GMT

Another mini-bond launches, but should you put your money in them? How to build your own house? And what's to become of the co-operative bank?

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Bonds, green investing and the Queen's Speech

Wed, 08 May 2013 23:00:00 GMT

Bonds are awful, says Warren Buffett, but what is the alternative? How green investing has gone mainstream. And all the personal finance news from this week's Queen's Speech.

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Interest only mortgages, structured products and foreign property dreams gone sour

Wed, 01 May 2013 23:00:00 GMT

Why almost half the UK’s 2.6m interest-only borrowers risk being unable to repay mortgages, are structured products a sensible way to manage risk – or simply a distraction? And a cautionary tale of investing in foreign property via self invested personal pension funds.

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Supermarket annuities, charitable donations and funding for lending

Wed, 24 Apr 2013 23:00:00 GMT

Would you buy a pension through a supermarket? How to make your charitable donations work harder for. And how more government support for banks will affect the savings and mortgage markets.

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Letting agents, gold prices and annuities

Wed, 17 Apr 2013 23:00:00 GMT

Proper regulation at last for letting agents. The drastic sell-off in the gold price, and how to navigate the annuity conundrum.

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Becoming a buy-to-let landlord, identity fraud and Post Office bank accounts

Wed, 10 Apr 2013 23:00:00 GMT

Yields of 6 per cent on rental properties are tempting investors into the buy-to-let market. But is this the right time to invest? Chris Norris from the National Landlords Association joins FT Money to discuss this, banks stealing customer data and whether the Post Office can become a challenger to the big banks as it prepares to offer current accounts.

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Savers in Cyprus, UK banks and bond funds

Wed, 03 Apr 2013 23:00:00 GMT

The latest from Cyprus and how it affects UK savers. What is to become of the UK's state-run banks. And the mounting warnings about bonds and bond funds.

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Winners and losers in this year's Budget

Thu, 21 Mar 2013 00:00:00 GMT

John Whiting of the CIOT joins us for our FT Money special podcast on this year's Budget. We look at government help for homeowners, the new £10,000 personal allowance and how investing just got a bit cheaper and a bit easier.

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State pensions, predictions for the Budget and high frequency trading

Thu, 14 Mar 2013 00:00:00 GMT

We cover the debate over women and the state pension and we look at what is expected to be in the Budget. Finally, is computer-driven trading harming your investments?

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Bank shares, payday lenders and women and finance

Thu, 07 Mar 2013 00:00:00 GMT

Is it time to look afresh at bank shares? Day of reckoning for payday lenders, and do women make better investors than men?

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FT Money Special: Individual Savings Accounts

Thu, 28 Feb 2013 00:00:00 GMT

This week FT Money looks at Individual Savings Accounts indepth - from cash Isas to stocks and shares Isas. We look at where you should put your money, and the more unusual products that are eligible for Isas

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New highs for the stock market, stamp duty avoidance schemes and HMRC targets second homeowners

Thu, 21 Feb 2013 00:00:00 GMT

The stock market hits new highs - but can it last much longer? Stamp duty - it's one of the most unpopular taxes in Britain, but it's unwise to try to avoid it. And the taxman wages a new war on second home owners

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Long term care, investing in Africa and bank advice

Thu, 14 Feb 2013 00:00:00 GMT

The future of long-term care - and how to pay for it. How to invest in Africa. And the results of an FSA mystery shopping exercise into bank advice

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Cash Isas, tax efficient investing and pensions

Thu, 07 Feb 2013 00:00:00 GMT

Isas - why you'll have to search high and low for a decent rate on your savings. How you can back growing British businesses, and get great tax breaks too. And some good news and not so good news in pensions

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Bond yields, tax planning and investing in art

Thu, 31 Jan 2013 00:00:00 GMT

Bond yields - what it means for investors. Simple tax planning - why everyone is going back to basics. And how you can invest in one of the best-performing asset classes of the past decade: art.

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Income drawdown, financial education and how divorce can affect your mortgage

Thu, 24 Jan 2013 00:00:00 GMT

New rules for income drawdown, why we need to improve financial education, and how divorce can affect your mortgage.

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Changes to state pension, equity income funds the future of banks

Thu, 17 Jan 2013 00:00:00 GMT

What the changes to the state pension mean for you. Why not all equity income funds are created equal, and what will a visit to your bank branch entail in years to come?

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Retail Price Index news, PPI mis-selling compensation and RDR orphans

Thu, 10 Jan 2013 00:00:00 GMT

We explain what the retail prices index is and why it's important. Then we discuss whether websites can replace financial advice. And end with whether banks are stalling on PPI mis-selling compensation.

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IFA sales tactics, charitable donations and overseas pensions traps

Thu, 13 Dec 2012 00:00:00 GMT

How risky are the funds your IFA has sold you? We also look at ways to give to charity and save tax at the same time. And the overseas pensions traps you should avoid at all costs

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FT Money Autumn Statement special podcast

Thu, 06 Dec 2012 00:00:00 GMT

FT Money talks to John Whiting, tax policy director at the Chartered Institute of Taxation about how the chancellor's Autumn statement will affect you.

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Employee pensions, RDR and investing in racehorses

Thu, 29 Nov 2012 00:00:00 GMT

Should charges be clearer for workplace pensions? RDR is coming - we ask the FSA what it will mean for financial advice. And horse racing - is there a way to profit that doesn't involve a better slip?

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Pension tax relief, demographics and silver

Thu, 22 Nov 2012 00:00:00 GMT

Pensions tax relief under threat, why the stock market can't fix our retirement problems. And how to get exposure to an asset that some think could rise fivefold.

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US election impact on investors, four-bedroom properties, and equity funds

Thu, 01 Nov 2012 17:30:00 GMT

Ellen Kelleher of FTfm looks at how investors can take a position on Obama vs Romney; Lucien Cook, director of residential research at Savills, tells us about the cost of trading up from a three- to a four-bedroom property in different parts of the UK; and with equity fund sales up, we examine whether this really means that investors are feeling confident.

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Barclays/ING, ethical investing and workplace savings

Wed, 10 Oct 2012 23:00:00 GMT

What Barclays' takeover of ING Direct means for savers and borrowers, can ethical investing pay? And ways your employer can help you to save and invest

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State pensions, annuities and farmland values

Wed, 19 Sep 2012 23:00:00 GMT

More tinkering with the state pension: where does it leave those approaching retirement?A major provider pulls out of the annuity market. And has the price of farmland finally peaked after a decade-long boom?

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Bond funds, cash lump sums and the new Barclays CEO

Wed, 29 Aug 2012 23:00:00 GMT

It is time for investors to switch out of bond funds, what to do if you have a cash lump sum and can Antony Jenkins put some zip back into Barclays shares?

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Free banking, safe haven investments and investment trusts

Wed, 22 Aug 2012 23:00:00 GMT

Overdraft charges soar to £900 a year - how to avoid the fees. Where can you go to pick up a "safe" investment? And why you can't always have the investment trusts you want.

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Energy bill, food prices and higher buy-to-let yields

Wed, 15 Aug 2012 23:00:00 GMT

This week's Money Show focuses on whether you should fix with your energy supplier, the factors affecting our supermarket bills and the outlook for buy-to-let

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Prime lending, the gold bubble, and unsuitable Sipps

Wed, 08 Aug 2012 23:00:00 GMT

We examine why some wealthy borrowers are being turned away by some banks. Also, is the tide turning on gold - should you sell up now? And which investments should you hold in your Sipp?

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Falling loan rates, currency funds and PPI

Wed, 01 Aug 2012 23:00:00 GMT

We look at new historic low mortgages for low-risk borrowers. Also, Alice Ross, the FT currencies correspondent talks to the Money team about investing in currency funds. And finally, payment protection insurance - will the cold calls never end?

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Falling mortgage rates, investment trusts and investing in the Olympics

Wed, 25 Jul 2012 23:00:00 GMT

New cuts to mortgage rates - how low can they get? Investing for the long term - why investment trusts should be in your portfolio. And the Olympics - can you make money as an investor

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Shake-up of high street banks, rogue letting agents and pension fees

Wed, 18 Jul 2012 23:00:00 GMT

Co-op buys 632 branches from Lloyds - what will this mean for customers? Why are rogue letting agents allowed to exploit landlords, and how fees are cutting pension values in half.

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New banks, paying for care and rising commercial property yields

Wed, 11 Jul 2012 23:00:00 GMT

Can any of the new banks really hope to challenge the big five providers? How will the 'pay when you die' care proposals really work, and why investors are focusing on yields rather than capital growth.

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Quantitative easing, the retail distribution review and where to get the lowest mortgage rates

Wed, 04 Jul 2012 23:00:00 GMT

We look at how savers will be affected by the new round of quantitative easing and whether new rules will mean fund managers and platforms come clean on costs. Finally, why you'll only find the lowest loan rates at building societies.

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Cashless society, hopeless interest rates and lenders trying to make mortgages easier

Thu, 28 Jun 2012 15:34:00 GMT

Why the RBS computer glitch calls new payment technology into question; how personal pensions can pay just 0.2 per cent on cash, and why some lenders are trying to make the mortgage process easier.

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Pension fraud, Severn Trent retail bond and consent-to-let mortgages

Wed, 20 Jun 2012 23:00:00 GMT

We reveal a big increase in pension fraud as well as a new index linked bond launch from Severn Trent. And why borrowers need their mortgage lender's consent to let out their properties.

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Is your financial adviser truly "independent"?

Wed, 13 Jun 2012 23:00:00 GMT

The FSA publishes its final guidance on the definitions of independent and restricted advice - what does it mean for investors? We look at the fixed-rates savings accounts that are expiring now. And does your bank consider you a "loyal" customer?

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Roundtable discussion: Are emerging markets a safe haven?

Wed, 06 Jun 2012 23:00:00 GMT

Expert commentators discuss emerging and developed markets from the private investors' point of view. Tim Bond, investment strategist at Odey Asset management, James Dowey, chief economist at Neptune and Jerome Booth, research manager at Ashmore Investment Management talk to the FT's Elaine Moore.

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Bank of Cyprus savers, emerging markets, and pension protection

Wed, 06 Jun 2012 23:00:00 GMT

The euro crisis hits Cyprus - but at least UK savers have some protection. Experts ask if emerging market are a safe haven, and we ask the pension minister about state benefits and income drawdown

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Eurozone crisis special - your pensions, savings and mortgages

Wed, 23 May 2012 23:00:00 GMT

Will your pension be reduced and what can you do about it? How safe are your savings - if they're only protected by the European safety scheme? And will your mortgage rise - even if the UK interest rates are cut?

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Europe in crisis - is there anything investors can do to protect their portfolios?

Wed, 16 May 2012 23:00:00 GMT

Should investors move to safe havens or sit tight and try to ride out the storm? We ask Tom Stevenson of Fidelity Worldwide Investments. HSBC backtracks on its home loan process and how will pensions income be hit for the gender rules?

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Alternative investments, absolute return funds and fixed-rate mortgages

Wed, 25 Apr 2012 23:00:00 GMT

The FSA crack down on “death bonds”, why absolute return funds don’t always do what they say on the tin, and why are two-year fixed mortgages the most commonly offered product, when they often don’t represent the best value to borrowers?

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QE and annuities, peer-to-peer lending and investing in water

Thu, 19 Apr 2012 15:00:00 GMT

A Parliamentary committee calls for Government action to address QE’s adverse impact on pensioners; how private investors can speculate on that ultimate commodity, water; and a look at peer-to-peer lending website with Giles Andrews, CEO of Zopa.com.

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Get your tax affairs in order

Wed, 11 Apr 2012 23:00:00 GMT

Could the chancellor's 'surprise' at the use of tax reliefs mean we all have to pay more? And when is the best time to get your tax affairs in order - April 5 or 6? Finally, we look at how big your deposit has to be to get a low mortgage rate

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Last minute Isas, baby boomers and new HSBC mortgage rules

Wed, 28 Mar 2012 23:00:00 GMT

We look at the best of the last minute cash Isa savings rates. There's some good news for baby boomers upset over the 'granny tax', and why some HSBC borrowers have taken to despairing over their mortgage lender's solicitors.

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Budget 2012: Your money

Thu, 22 Mar 2012 00:00:00 GMT

We explain what it all means for you in this special budget edition with John Whiting, tax policy director of the Chartered Institute of Taxation. From 'granny tax' to stamp duty - we look at the measures in depth.

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Transferring cash Isas, 100 year gilts and structured products

Thu, 15 Mar 2012 00:00:00 GMT

In this week's show we look at why it still take 15 days to transfer a cash Isa. Also, will the government's new 100-year gilts be any use to income investors, and should you buy a 6-year FTSE linked investment?

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Rising mortgage rates, Isa season and pension annuity options

Thu, 08 Mar 2012 00:00:00 GMT

We look at why Halifax and Bank of Ireland borrowers should get off the lender's SVR. How to decide on which Isa to go for, and why you need to know about annuity options even if you're not near retirement age

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Pension transfers, mobile phone payments and investing in growth funds

Thu, 01 Mar 2012 00:00:00 GMT

We look at whether you should ever transfer out of an employee pension scheme. Also, who is offering mobile phone payment services, and where should you invest for growth?

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How to benefit from employee share schemes

Thu, 19 Jan 2012 00:00:00 GMT

Will it become easier to share in your employer's profits under new government proposals? We also look at the most profitable buy to let properties and a new care fees solution

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Do FSA fines do any good, Anthony Bolton's outlook for 2012 and could property be a better bet next year?

Fri, 16 Dec 2011 00:00:00 GMT

Financial companies have been fined £63m this year but do these fines work? Anthony Bolton on why China is fair value. And we look at why lenders are launching mroe buy-to-let loans

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A new mortgage guarantee scheme, index trackers and misuse of bridging loans

Thu, 24 Nov 2011 00:00:00 GMT

This week we look at whether the government's new scheme will get the housing market moving. Why advisers are slow to recommend low-cost tracker funds. And the FSA digs deeper into bridging loans.

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Falling pension income, investment charges and what the Virgin/Northern Rock deal means for you

Thu, 17 Nov 2011 00:00:00 GMT

We look at how QE is hitting pensioner's income, whether investments are becoming too costly, and whether Virgin buying Northern Rock could make banking more competitive

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Banks paying negligible interest on savings, European bank shares and standard variable rate mortages

Thu, 10 Nov 2011 00:00:00 GMT

This week, we look at banks that are paying virtually no interest and making it almost impossible to keep track of their best savings deals. Should you buy shares in banks exposed to European sovereign debt? Also, what to do if your bank suddenly hikes its rate on your standard variable rate mortgage?

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Pension charges, tracker funds and solar energy

Thu, 03 Nov 2011 00:00:00 GMT

We look at why pension providers penalise you for changing jobs. Also, how index tracker funds distort share prices. And, is the sun setting on solar energy? We explain how subsidy cuts hit homeowners and investors

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Which Junior Isa should you take out?

Wed, 26 Oct 2011 23:00:00 GMT

Keeping ahead of inflation - how much risk are you taking? We look at which Jisa you should take out for your child. And where £1m plus borrowers can go for a mortgage.

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An inflation special for the Money Show

Wed, 19 Oct 2011 23:00:00 GMT

How to inflation-proof your pension and inflation-beating savings accounts. Dividends are on the rise this year, but where can you find the highest yielders? And we look at tips to cut your energy costs.

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Getting the right advice about energy deals

Wed, 12 Oct 2011 23:00:00 GMT

Energy prices are still on the rise – but are you being given the right advice about the best deals? Why government reforms mean some face huge cuts to their pension income, and can an iPhone app help smooth tenant and landlord relations?

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How sustainable are 1.99% mortgage deals?

Wed, 05 Oct 2011 23:00:00 GMT

Mortgage rates set to fall further - how low can they go? Advisers say absolute return funds aren't right for their clients, so who are they suitable for? And Islamic banks are paying out 4% returns.

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Is gold losing its shine?

Wed, 28 Sep 2011 23:00:00 GMT

We ask what this week's price swings say about gold's safe haven status. Are pension savers geting a fair deal? We assess new moves to improve your income choices. And is a 'Best buy' savings account really the best?

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Should you invest in ETFs after UBS?

Wed, 21 Sep 2011 23:00:00 GMT

How high are the charges on your pension. We name the plans that have lost 39 per cent. And, we look at whether exchange traded funds are only for rogues. Finally, why gold savings accounts are not what they seem.

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Which shares pay dividend yields of 7%?

Wed, 14 Sep 2011 23:00:00 GMT

We look at how to get higher income from shares and whether dividend yields of 7 or 8 per cent are sustainable. How your bank will respond to the Vickers report and more news on the state pension age

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How to inflation-proof your savings

Wed, 07 Sep 2011 23:00:00 GMT

How to protect your savings now that National Savings Certificates have sold out. When should you retire now annuity rates are at a record low? And where can you get a 100 per cent mortgage now?

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Take your money out of so-called dog funds

Wed, 31 Aug 2011 23:00:00 GMT

Banks pay out £215m in compensation for missold PPI policies. Why billions are still invested in so-called dog funds. And mortgage rates - how you could save money paying the redemption charge and switching lender

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Would you buy shares in this market?

Wed, 24 Aug 2011 23:00:00 GMT

We reveal who is buying shares at the moment and what they're buying. What can you buy for your pension? We look for investments to protect your pension income. And should you buy into student property?

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Interest rates cut on SAYE schemes

Wed, 17 Aug 2011 23:00:00 GMT

What would continuing low interest rates mean for mortgages and savings? Why a rise in stock markets in the next five years would make structured products look attractive now. And what a cut in the interest rates on SAYE plans will mean for you

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The riots and your rights

Wed, 10 Aug 2011 23:00:00 GMT

What property and business owners need to know about their insurance claims. Market turmoil and your investments, and which shares can bounce back after a week of disorder

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Should you board the flight to safety?

Thu, 04 Aug 2011 14:41:00 GMT

As the debt crisis deepens, we seek safe havens for your cash.Go East, not West - why investors now want assets in strong Asian currencies. And is it time to leave your bank? We ask whether service is as important as an interest rate.Presented by Matthew Vincent. Produced by Rob Minto

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Get yourself in a fix

Thu, 28 Jul 2011 13:30:00 GMT

In this week’s show: The cheapest five-year mortgage in history has just been launched; should you get out of your fixed income? Find out what a Greek or US default would mean for your bond fund; and, investors fixated with gold – why you shouldn’t think of silver as a poor second.

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UK mortgage rates fall again

Thu, 21 Jul 2011 14:27:00 GMT

Also, savers are still being transfered into high-charging pensions - we ask chair of Consumer Focus, Christine Farnish, when will mis-selling ever end?And, would anyone buy a risky bond fund right now - even if it claims to be strategic?Presented by Matthew Vincent with Tanya Powley, Jo Cumbo and Alice Ross.

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Pension income shrinks again

Thu, 14 Jul 2011 14:03:00 GMT

This week there was more bad news for people approaching retirement as new data showed a further decline in annuity rates - so what can you do about it?Murdoch drops his Sky bid and plans to buy back shares - but would you invest in media now? And, homeowners opt to improve rather than move - but would you splash out on an outdoor swimming pool?

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Where is the best place for your cash?

Wed, 06 Jul 2011 23:00:00 GMT

Banks are pulling their best savings deals - so where should you put your money now? Investment trusts are producing better returns than unit trusts. And offset mortgages are proving more efficient for higher-rate taxpayers

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Why the OFT wants card fees outlawed

Wed, 29 Jun 2011 23:00:00 GMT

The OFT has ordered airlines, such as Ryanair, to stop hiding card surcharges. We look at why investors are not reclaiming tax on foreign share dividends, and how UK banks would be affected by a Greek debt default.

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Do wealth managers run portfolios to suit you, or them?

Wed, 15 Jun 2011 23:00:00 GMT

Your money is in their hands - do you trust your wealth manager? Their best ever mortgage deals - but only if you are a loyal customer. And why you only have to choose a pension for a few years at a time

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The cost of care

Wed, 08 Jun 2011 23:00:00 GMT

When is a guarantee not a guarantee - we read the latest warnings on structured products. The cost of care - we add up the fees for residential and nursing homes. And how your customer profile affects the cost of borrowing.

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Will Britain become a nation of renters?

Wed, 01 Jun 2011 23:00:00 GMT

We look at the latest threats in the property market. Do you buy high and sell low? We ask whether behavioural finance can help you make investment decisions. How can you protect yourself in retirement?

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It is time to go cashless?

Wed, 25 May 2011 23:00:00 GMT

A pension offer you can refuse; why two-year fixed mortgages are a waste of time; and an end to cash - will phones be all you need in your pocket?Presented by Matthew Vincent, with guest Ray Boulger of John Charcol.

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Brits face a French tax on holiday homes

Wed, 18 May 2011 23:00:00 GMT

Banks face more complaints about selling insurance - is this the next PPI? Brits could be taxed on their French properties and can anyone face reading the small print before investing?

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PPI: who stands to get compensation?

Thu, 12 May 2011 14:00:00 GMT

The pitfalls of pension flexibility - why it's not a good idea to transfer a company scheme into flexible drawdown; The big PPI payday - how to get compensation; and how expensive are "switch-to-fix" mortgage deals? Presented by Matthew Vincent, with guest James Daley, editor of Which? Money.

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Is it time to buy in the Spanish property market?

Thu, 05 May 2011 23:00:00 GMT

What action should victims of hackers take? Where are investors moving their cash in the search for income? And is it time to buy in the Spanish property market?

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Bank accounts fit for a king or queen

Wed, 27 Apr 2011 23:00:00 GMT

Is the Royalties account, or any other fee-based banking service, a bit too rich for middle-class tastes? What would US fund investors make of British fund charges? And why now is the time to move out to the country

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What the PPI ruling means for consumers

Wed, 20 Apr 2011 23:00:00 GMT

Billions of insurance refunds - why you could claim back your payment premiums. 24 per cent annual returns - why farmland is now a fast-growing investment. And cautious funds that offer high yields

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Which shares are fund managers buying?

Wed, 13 Apr 2011 23:00:00 GMT

Under-capitalised and uncompetitive - but will your bank be any better if the latest reform proposals are implemented? Unloved and undervalued - but which bargain shares are Uk fund managers snapping up? And are Exchange traded-tracker funds as risky as regulators make out?

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When will value investing start paying off?

Wed, 06 Apr 2011 23:00:00 GMT

We look at whether banks' special rates for loyal customers are good value or not. When will value investing start paying off? And how many fund managers have you heard of?

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Buying a house could get easier

Wed, 30 Mar 2011 23:00:00 GMT

Are pension providers ready for new rules? Performance fees on investment funds are on the rise - but should you pay them? And, buying a house could get easier - after pre-contracts are introduced

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How was the Budget for you?

Thu, 24 Mar 2011 00:00:00 GMT

Will you get the benefit of higher personal tax allowances? Will an inheritance tax break make you more charitable? And has investing in smaller companies become more attractive?

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What will the Budget hold?

Thu, 17 Mar 2011 00:00:00 GMT

How your finances are affected by the events in Japan. Looking ahead to next week's Budget, and choosing this year's cash Isa

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Are the new high-street retail bonds any good?

Thu, 10 Mar 2011 00:00:00 GMT

Fund managers are cutting charges ahead of a ban on commission, but are IFAs behaving? John Lewis is paying high interest but should you take out their retail bond? And UK mortgage rates are still edging up.

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What a ruling on gender means for your money

Thu, 03 Mar 2011 00:00:00 GMT

What will it do to your pension? We have good news for women but bad for men. Why do some index tracker funds go off the beaten track? And where can you talk to a bank manager these days?

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How to save for university fees

Thu, 24 Feb 2011 00:00:00 GMT

Looking for a cheap remortgage? Why it pays to go off the beaten track. Saving for university fees? Why you need to take on a degree of risk. And planning a new life overseas? Where you need to buy a house.

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What can you do about rising inflation?

Thu, 17 Feb 2011 00:00:00 GMT

Rising inflation - what can you do about it? We look at high street and offbeat investment products. Popular Isas - where are they now? We track the performance of old technology and property funds. And how much can first-time buyers borrow?

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Good news for buy-to-let investors

Thu, 10 Feb 2011 00:00:00 GMT

Lenders return to the buy-to-let property market. How has your with-profits pension performed? We look at the latest figures. And, what investment strategy should you be using to pick stocks?

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New gender rules could cut your pension

Thu, 03 Feb 2011 00:00:00 GMT

Another 'Cautious fund' is launching, despite recent warnings from the FSA. There is a new set of rules from Europe - and this time it could cut your pension. And we explain how to avoid the 40 per cent rate.

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Can social lending be an alternative to bank savings?

Thu, 27 Jan 2011 00:00:00 GMT

Could you be banned from buying risky investments? Should you protect your portfolio from inflation or stagflation? And would you lend money to people you don't know?

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Which fund names can you trust?

Thu, 20 Jan 2011 00:00:00 GMT

Mortgage rates start to rise but where can you get the best deal on your savings? Barclays is fined for selling "cautious" funds - so which funds can you trust? And are developed markets now a more exciting place to be?

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Fix your mortgage while you can

Thu, 13 Jan 2011 00:00:00 GMT

Fears of a rate rise are growing, so is it time to fix your mortgage? Watch out for emerging risks in Emerging Markets. And where is the best place to put your savings.

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Why Britons are rushing to sell their holiday homes

Thu, 06 Jan 2011 00:00:00 GMT

Why some people are selling their second homes in the sun. A New Year means new pension rules - we explain what you can do now, and after April. And with 17 months to repay at zero per cent interest, are credit cards becoming more attractive?

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Protect yourself against inflation

Thu, 16 Dec 2010 00:00:00 GMT

Inflation is on the rise - so how can investors protect themselves? Tax-efficient schemes for investors could be under threat by the Revenue - so should you buy them now? And what a stronger pound could mean for your holidays

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Overseas buyers snap up prime central London

Thu, 09 Dec 2010 00:00:00 GMT

Investors are being offered more control over their pensions - so what are the top tips from experts? The government has announced yet another crackdown on inheritance tax - but should you really be worried? And, we look at the latest housing trends

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Wealthy borrowers turn to bridging loans

Thu, 02 Dec 2010 00:00:00 GMT

Investors will no longer be banned from transferring out of their final salary schemes. Borrowers are turning to bridging loans but what are the best deals? And where in the world is the best place to retire?

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Which are the safest banks for your money?

Thu, 25 Nov 2010 00:00:00 GMT

As the Eurozone debt crisis continues, which are the safest banks for your money? Could your pension contributions result in a nasty tax bills? We explain how you could be affected. And how to beat the VAT rise and grab yourself a post-Christmas bargain?

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An Irish bail out - what would it mean for your savings?

Thu, 18 Nov 2010 00:00:00 GMT

How would an Irish bail out affect private investors in the UK? Can private investors ever get market timing right? And interest only mortgages - where can you still get an affordable loan?

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Fears of inflation are looming again

Thu, 11 Nov 2010 00:00:00 GMT

How can investors inflation proof their assets? Millions of savers are coming off fixed-rate deals this year - but are there any good new products out there? And, if you're looking for a ski chalet, we discuss the best places to buy

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Rogue letting agents are on the rise

Thu, 04 Nov 2010 00:00:00 GMT

Santander is continuing its dominance of the UK high street - are savers benefiting? We offer tips to tenants and landlords. And, how to make your home more energy efficient, before the government cuts incentives

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Prime property is back in demand

Wed, 27 Oct 2010 23:00:00 GMT

The government is introducing Junior Isas but savers are finding it hard to get a good deal in the current market. Where are the property buyers coming from? And is silver the new gold?

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What can you do about the spending review?

Wed, 20 Oct 2010 23:00:00 GMT

This week's government spending review could hit your pocket hard. Some good news for homeowners looking to remortgage. And, if you want to save more than £50,000 a year for retirement we look at the best pension alternatives.

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The government restricts pension tax relief

Wed, 13 Oct 2010 23:00:00 GMT

The government announced a big reduction in the amount that people can save into their pension and still get tax relief. Investors are being urged to put money market funds in their Sipps and Isas. And if you are bitten by the gold bug, how should you invest?

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Investing for your children, bond safety and mortgage restrictions

Thu, 07 Oct 2010 13:00:00 GMT

This week the Money Show looks at strategies to avoid the child benefit cuts, and other investment vehicles for children’s funds, whether bond investors should seek safer havens and whether new mortgage lending rules will hit the wealthy

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Isa transfers, house prices and the latest financial apps

Wed, 29 Sep 2010 23:00:00 GMT

How to get a decent rate on your cash Isa, the latest on house prices and are the newest financial mobile applications any good?

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Tax bills, pensions and buy-to-let

Thu, 23 Sep 2010 12:00:00 GMT

Is it worth transferring your personal pension? We look at the exit charges that can make all the difference. Plus - high-earners' tax bills, and how to get a buy-to-let mortgage.

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What has the Investors Chronicle learned from 150 years of writing about shares?

Wed, 15 Sep 2010 23:00:00 GMT

Why are high street banks so keen to talk about investment bonds? Can property buyers think about new-build again? Plus the IC at 150.

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Unravelling the tax bill debacle

Wed, 08 Sep 2010 23:00:00 GMT

The latest news on the tax bill debacle, whether investing in corporate bonds funds is still a good idea, and where are the best places overseas to draw your pensions?

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Good funds hiding bad: why rating investment funds is harder than you think

Thu, 02 Sep 2010 11:00:00 GMT

Which high street banks get the most customer complaints? Bad funds are merged into good ones, so how can we tell how they are performing? And why it pays to be in a detached house.

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Are absolute return funds living up to their name?

Thu, 26 Aug 2010 11:00:00 GMT

Interest rates could rise sharply if inflation gets out of control - so how can savers find the best deals? Not all absolute return funds are making absolute returns - we look at why. And could being too near to a shop or a pub prevent you getting a mortgage?

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Inflation-proofed savings accounts are back

Wed, 18 Aug 2010 23:00:00 GMT

Cheap tracker mortgages - why there's no need to get them while stocks last. Inflation proofed savings are here again. And cautious managed funds - why it turns out that data providers can't get their facts right

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What's going on in the property market?

Thu, 12 Aug 2010 22:59:00 GMT

How can house sales be increasing when mortgage approvals and house prices are falling? When is a cautious managed fund not a cautious managed fund? And what should parents of students be doing: renting or buying universtity digs?

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Banks are reporting bumper profits again

Wed, 04 Aug 2010 23:00:00 GMT

Do banks shareholders have much to shout about? Banks have also been cutting their mortgage rates, but will applicants for interest only loans get a look in? And even when you're on your holiday, can you bank determine how good a time you have?

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Will you 'love' the new Metro Bank?

Wed, 28 Jul 2010 23:00:00 GMT

We examine new proposals for lower pension contributions and a longer working life. Will you learn to love your bank? Metro Bank reckons you will. And will your holiday-home become less tax efficient?

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How to inflation proof your savings

Wed, 21 Jul 2010 23:00:00 GMT

Where to put your money now index linked certificates have disappeared. What should you do with your pension fund, while the government consults on new annuity rules? And where will you find an investment property offering a rental yield of more than 6 per cent?

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Will you ever get another big mortgage?

Wed, 14 Jul 2010 23:00:00 GMT

Will you get a large loan if you have to prove you can afford it? Will you see your pension get smaller, if its index linked to the CPI rather than the RPI. And will you get a windfall, if private equity investors do a deal with your building society?

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Investors turn their backs on private banks

Wed, 07 Jul 2010 23:00:00 GMT

Why private banks lost investors more than 60 per cent last year. Why some "low-cost" funds can land you with a much higher tax bill. And why should you pay fees to spend your own money on holiday?

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Investors are piling back into buy-to-let

Wed, 30 Jun 2010 23:00:00 GMT

Investors are piling back into buy-to-let - but are there good deals out there? With-profits providers have been slammed for treating customers poorly - but what can you do about it? And, we look at the best savings deals

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It was the "unavoidable Budget"- but will most investors avoid CGT?

Wed, 23 Jun 2010 23:00:00 GMT

Income tax allowances have gone up, but tax bands have come down -so are we paying more or less? And pension tax relief will get simper - but will it be any better for higher earners?

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Budget Special: Capital gains tax, income tax and pensions

Mon, 21 Jun 2010 23:00:00 GMT

Capital gains tax has gone up - but not as much as expected. Income tax has effectively come down - but not for as many as expected. And pension red tape is being cut down - but not just yet

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The end of the FSA: what does it mean for consumers?

Thu, 17 Jun 2010 11:00:00 GMT

It may be all over for the FSA, but what does it mean for consumers? BP investors are set to lose their dividends, so where else can they go for income? And are offshore pension plans a suitable option?

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Is BP contaminating your portfolio?

Wed, 09 Jun 2010 23:00:00 GMT

We assess the oil spill's effect on BPs share price and dividend. Who needs a financial adviser? We find even more investors going it alone. And who's moving into new-build property?

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Are there any safe haven investments any more?

Wed, 02 Jun 2010 23:00:00 GMT

Is pension tax relief for the chop in the emergency budget? If so what should you do now? Are there any safe haven investments any more? And what's the point of an independent financial adviser?

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Emerging markets roundtable - part four

Thu, 27 May 2010 23:00:00 GMT

The final episode of four podcasts in the FT Money/Neptune emerging markets series. Listen to Jim O'Neill of Goldman Sachs, Tim Bond of Barclays Capital and James Dowey of Neptune

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Buy to let lending is back

Wed, 26 May 2010 23:00:00 GMT

Can two new mortgage providers revive the buy to let market? Child trust funds are no more. But what are the alternatives? And capital gains tax is going up.

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Concerns over capital gains tax rise

Sun, 23 May 2010 23:00:00 GMT

David Giampaolo, chief executive of Pi Capital, an investor network group for wealthy people, talks to Lucy Warwick-Ching about why it could be risky to put CGT up

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Emerging markets roundtable - part three

Wed, 19 May 2010 23:00:00 GMT

The third of four podcasts in the FT Money/Neptune emerging markets series. Listen to Jim O'Neill of Goldman Sachs, Tim Bond of Barclays Capital and James Dowey of Neptune

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Interest rates are at record lows but inflation is ticking up

Wed, 19 May 2010 23:00:00 GMT

Inflation is ticking up so what can savers do? How would a reduction in tax relief affect your retirement? Why we're all still waiting for the government's pension policy. And where can you find an asset that has risen more than 20 per cent this year?

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Emerging markets roundtable - part two

Thu, 13 May 2010 23:00:00 GMT

The first of four podcasts in the FT Money/Neptune emerging markets series. Listen to Jim O'Neill of Goldman Sachs, Tim Bond of Barclays Capital and James Dowey of Neptune

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FT Money Show coalition government special

Wed, 12 May 2010 23:00:00 GMT

Capital gains tax is going up in an emergency Budget - so how long have you got? What do the new tax policies mean for house prices? And what will happen to tax relief on pension contributions?

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How will a hung parliament affect your finances?

Thu, 06 May 2010 23:00:00 GMT

A hung parliament sends sterling and the stockmarket falling - but how will it affect your finances long term? Could the Greek debt crisis spread to the UK? And to become a truly global investor

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Emerging markets roundtable - part one

Wed, 05 May 2010 23:00:00 GMT

The first of four podcasts in the FT Money/Neptune emerging markets series. Listen to Jim O'Neill of Goldman Sachs, Tim Bond of Barclays Capital and James Dowey of Neptune discuss the growth potential of these markets

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What do the three political parties have to say about tax?

Wed, 28 Apr 2010 23:00:00 GMT

Banks are under fire for not dealing with customer complaints properly - but is there anything you can do about it? Property recovery funds have failed to get investors excited - so how should you invest in the property market? And we take a look at the three main political parties views on tax.

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Which pension policies will get your vote?

Wed, 21 Apr 2010 23:00:00 GMT

Airlines return to the skies - but they're flying in the face of the law when it comes to compensating passengers. Which pension policies will get your election vote? And is the feeling mutual? We ask whether savers with mutual societies should protest about executive pay.

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What do the election manifestos say about property?

Wed, 14 Apr 2010 23:00:00 GMT

The election manifestos are hot off the press - but will they leave you hot under the collar about taxes on property? The Tories plan an early sale of government stakes in the banks. And as the euro exchange rate bounces around like a beach ball, what can holidaymakers and investors do to get a better deal?

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Dividends are back - so where to find the best stocks?

Wed, 07 Apr 2010 23:00:00 GMT

New Isa deals are already out - and 50 per cent taxpayers are being urged to take one out now. Dividends are back - so where to find the best income stocks? And how to invest in the most tax efficient way

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ISAs, gold and stamp duty

Wed, 31 Mar 2010 23:00:00 GMT

Are complaints about ISA transfers justified? Has much further can gold fever go? And is there any way to avoid the 5 per cent stamp duty?

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Budget special: stamp duty, ISAs and high-income tax planning

Thu, 25 Mar 2010 00:00:00 GMT

It's a stamp duty holiday - but who qualifies? Plus, ISAs and tax planning

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The Budget is days away but what will it contain?

Thu, 18 Mar 2010 04:00:00 GMT

Is there still time to avoid possible Budget tax rises? Can you claim more tax back? And is the sun rising on Japan?

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Can you get a better mortgage deal from a building society?

Thu, 11 Mar 2010 05:00:00 GMT

State-funded banks are offering less competitive mortgage rates - so can you get a better deal at a building society? Buying privatised companies has proven a better bet than the FTSE since the 1980s - so what deals should you consider now? And where's the best place to put your EIS money?

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What does a weak pound mean for your investments?

Thu, 04 Mar 2010 05:00:00 GMT

The base rate has been at 0.5 per cent for a year now - so is there any point locking up your cash? The dollar strengthens against the pound, and the euro weakens - but what does it mean for your investments? And if you want to borrow a few million, what will the bank accept as security?

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Adventurous Investor: Investing in Aim companies

Fri, 26 Feb 2010 05:00:00 GMT

David Stevenson, the FT's Adventurous Investor, talks to David O’Hara of Blackthorn Focus about Aim-quoted companies and the way they treat their shareholders

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Northern Rock lifts its 100 per cent guarantee

Thu, 25 Feb 2010 05:00:00 GMT

Northern Rock lifts its 100 per cent guarantee for savers - so where is the best place to get a cash Isa now? And employers are stopping payments to employee pension schemes

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Investing in farmland: why it's a good move for tax planning purposes

Thu, 18 Feb 2010 05:00:00 GMT

Wealthy taxpayers are under greater scrutiny by the Revenue - so how can they protect themselves? Investing in farmland is looking like a good move for tax planning purposes - but how can you buy it? And should you be actively managing your cash investments? Our research shows that cash has done better than other studies suggest.

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Adventurous Investor: Demographics and market timing

Thu, 11 Feb 2010 05:00:00 GMT

David Stevenson, the FT's Adventurous Investor, talks to Tim Bond and Michael Dicks about investing in demographics and timing your asset switches

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Anthony Bolton reveals details of his new China fund

Thu, 11 Feb 2010 05:00:00 GMT

Will it matter to investors that Anthony Bolton's new China fund is an investment trust? Private investors' lost more than a billion pounds worth of dividends last year - so where can you turn for a reliable income? And why are mortgage lenders treating reluctant landlords differently from professional landlords?

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Are cash Isas worth bothering with?

Thu, 04 Feb 2010 05:00:00 GMT

Will you still have to buy a pension annuity after the election? Shouldn't higher earners seeking tax relief turn to VCTs? And are cash Isas worth getting, if you only save tax on 0.1 per cent interest?

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What's the point of with-profits?

Thu, 28 Jan 2010 05:00:00 GMT

What's the future for your high-street building society? What's the point of with-profits funds as another provider freezes its bonus rates? And we look at the hot spots for property

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How to profit from emerging markets

Thu, 21 Jan 2010 05:00:00 GMT

Inflation is back - how will it affect your investments? What's the best way to profit from emerging markets? And 50 per cent tax is coming. What can high earners do to reduce the impact?

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Changes to the minimum retirement age

Thu, 14 Jan 2010 05:00:00 GMT

Retiring later - how changes to the retirement age will affect your pension planning. Buy to let boost - can higher rents make property a good investment again? And tax deadlines loom

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Have bonds fallen out of favour?

Thu, 07 Jan 2010 05:00:00 GMT

It's the January sales! But should you be rushing down to your bank for a bargain? Corporate bonds, gilts or neither? Have bonds fallen out of favour? And we look at the new entrants to the savings market.

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Where to put your money in 2010

Wed, 06 Jan 2010 05:00:00 GMT

Equties or bonds? Gold or gilts? Lucy Warwick-Ching speaks to Kevin Gardiner, head of investment strategy Europe at Barclays Wealth about where to put your money

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Time to take profits on shares?

Thu, 17 Dec 2009 05:00:00 GMT

Some good cheer on pensions - why you might be able to retire earlier than you thought. Why private investors think it's time to take profit, and how much has your house price gone up by?

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Winners and losers from the pre-Budget report

Thu, 10 Dec 2009 05:00:00 GMT

National insurance goes up again but not just for the rich. Bankers' bonuses are taxed but all high earners lose more pension tax relief and how green was the budget?

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Invest more tax efficiently ahead of the PBR

Thu, 03 Dec 2009 05:00:00 GMT

Mortgage lenders are reducing their fixed-rate products - but should you stick with trackers? More investors want to put their money in property, but where should they invest? And we look at last minute ideas to invest more tax efficiently

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It's decision time for Lloyds shareholders

Thu, 26 Nov 2009 05:00:00 GMT

We explain the rights and wrongs of the rights issue. Bank customers compensation claims are crushed by the Supreme Court - but who are the real winners and losers? And would you trust a currency trader to reduce the size of your mortgage?

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Signs of life in the buy to let market

Thu, 19 Nov 2009 05:00:00 GMT

Inflation is making a come back - but should savers really care? Signs of life in the buy to let market but should you be cautious? And do financial advisers owe you a rebate of trail commission?

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House prices rise again

Thu, 12 Nov 2009 05:00:00 GMT

House prices rise again - so is now the time to invest in residential property? Pension deficits are getting worse - what can you do to protect your retirement income? And can you still rely on share dividends?

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Adventurous investor: Dylan Grice interview

Fri, 06 Nov 2009 05:00:00 GMT

David Stevenson interviews Dylan Grice, strategist at Société Générale, on stockmarket bubbles, China and geo-politics

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The big bank sell-off

Thu, 05 Nov 2009 05:00:00 GMT

What will happen to Lloyds and RBS customers? Lloyds shareholders are asked to invest another £13bn - but should you pay up? And who's the most trustworthy source of advice on IHT?

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Can the government curb credit card limits?

Thu, 29 Oct 2009 14:00:00 GMT

Are you due compensation on structured products? The government gets tough on credit card companies, but will it save you money? Plus who is behind the new best-buy savings bond?

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Time to take profits on your share deals

Thu, 22 Oct 2009 04:00:00 GMT

Can you afford your next mortgage? From next year, you'll have to prove it. Is is time to take profits on your share deals? And how much warning must your bank give of cuts to your savings rate?

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Wealthy individuals underwhelmed by advice

Wed, 21 Oct 2009 04:00:00 GMT

David Giampaolo, chief executive of Pi Capital, an investor network group for wealthy people, talks to Lucy Warwick-Ching about how the super rich have fared over the past year.

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Should savers fear inflation or deflation more?

Thu, 15 Oct 2009 04:00:00 GMT

Lehman Brothers' collapse claims another victim one year on. What should savers fear more: inflation or deflation? And we look into the future of private banking and financial advice

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Are you investing in the right pension fund?

Thu, 08 Oct 2009 04:00:00 GMT

Pension savers will have to wait another year to recieve income in retirement if the conservatives win. Are you investing in the right pension fund? And is cheap share-dealing a false ecomomy?

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Make money from the falling pound

Thu, 24 Sep 2009 04:00:00 GMT

The pound falls further against the euro - but is this good news for investors? Isa savings limits are rising and as the stock-market rally continues is it worth holding onto a with-profits endowment?

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More signs of life in the housing market

Thu, 17 Sep 2009 04:00:00 GMT

Signs of life in the housing market - but is the buying activity anywhere near you? Get more into your pension - why it pays to contribute more. And the return of the 5 per cent savings account

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Banks finally cut penalty fees

Thu, 10 Sep 2009 04:00:00 GMT

A new opportunity for the over 50s to pump more money into tax-free savings, how to make money from the stockmarket rallys and good news for those in debt as one fo the biggest banks finally cuts the penalty fees it charges customers

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The taxman closes in on wealthy savers

Thu, 03 Sep 2009 04:00:00 GMT

Good news for borrowers as HSBC launches a mortgage with a rate of just 1.99 per cent but are other lenders likely to follow? The taxman closes in on wealthy savers. And the stockmarket has come off its recent high.

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Trapped in an overseas holiday home?

Thu, 27 Aug 2009 04:00:00 GMT

Trapped in an overseas holiday home - why Brits who bought in Europe and Dubai face massive losses. Catch them while you can - fixed rate bonds paying up to 5 per cent are disappearing fast. And endowment mortgages are back, as lenders crack down on interest-only deals

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Update: Cutting through the pensions jargon

Wed, 26 Aug 2009 04:00:00 GMT

Mike Morrison, head of pension development at Axa Winterthur Wealth Management talks to Lucy Warwick-Ching about some of the more confusing pension terms

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What do building society mergers mean for savings?

Thu, 13 Aug 2009 04:00:00 GMT

More building societies look set to merge - so what does this mean for your savings? If you thought you'd have to wait until 68 to retire, think again. And bonuses are back - but what about mortgages based on bonus income?

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Is it time to buy into recovery?

Thu, 06 Aug 2009 04:00:00 GMT

The base rate is held again - but is it becoming easier to get a decent return on cash savings? Is it time to buy bank shares? And is China now the place to go for a property investment.

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Tax amnesty for offshore investors

Thu, 30 Jul 2009 04:00:00 GMT

The Revenue announces a tax amnesty for offshore investors, new research shows up the pensions industry and can you trust a financial adviser to recommend a savings account?

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Value investing versus 'buy and hold', Part 2

Fri, 24 Jul 2009 04:00:00 GMT

David Stevenson, the FT's Adventurous Investor, asks professors Paul Marsh and Elroy Dimson about the risk/reward trade off for shareholders and Rob Arnott explains why "buy and hold" doesn't work if the price is wrong.

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Should you invest in coastal property?

Thu, 23 Jul 2009 04:00:00 GMT

Can auctioning your cash to the highest bidder earn you a better deal? Is it worth paying more for a coastal property? Plus - could you get a better mortgage deal from China?

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Update: Don't be caught out by hidden charges on Sipps

Mon, 20 Jul 2009 04:00:00 GMT

Some Sipp providers supplement their fees by taking a slice of the interest paid to customers on their cash holdings. Lucy Warwick-Ching talks to Martin Tilley at Dentons Pension Management about why this is an issue for consumers.

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Value investing versus 'buy and hold', Part 1

Fri, 17 Jul 2009 04:00:00 GMT

David Stevenson, the FT's Adventurous Investor, asks City analysts James Montier, Albert Edwards and Tim Bond about the best strategies for long-term shareholders

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FT Money Show: mortgage payments, company pension provision and gilt investments

Thu, 16 Jul 2009 04:00:00 GMT

Are government bonds a safe home for your money? When can it make sense not to pay off your mortgage? And how some companies are cutting pension contributions to employees.

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Safer banking, philanthropy and property hotspots

Thu, 09 Jul 2009 04:00:00 GMT

What will the new banking regulations mean for you? How has the financial crisis affected philanthropy? Property hotspots - where is the housing market heating up?

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Update: Retirees obliged to subside retired parents

Wed, 08 Jul 2009 04:00:00 GMT

Lucy Warwick-Ching talks to Martin Palmer at Friends Provident about the cost of funding increased longevity

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FT Money show July 3

Fri, 03 Jul 2009 04:00:00 GMT

The Bank of England base rate remains at 0.5 per cent, so why has the average rate on a five-year fixed rate home loan hit 6 per cent; with signs that the American downturn may be coming to an end, can US equities expect a smooth ride; and with rental yields falling, is buy-to-let really worth it?

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FT Money show, 25 June 2009

Thu, 25 Jun 2009 04:00:00 GMT

Will the new rules for financial advisers mean a better deal for clients; should investors join fund managers in the return to commercial property; and what opportunities can savvy buyers find in beleaguered funds of hedge funds?

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FT Money Show update, 29 May 2009

Fri, 29 May 2009 04:00:00 GMT

David Stevenson talks to US investment commentator John Mauldin about strategies for the long term

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FT Money show, 29 May 2009

Fri, 29 May 2009 04:00:00 GMT

Pension funds are recovering, but will it make a difference to you retirement? Is there a safe way to get back into equities? And good news / bad news on the property market.

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FT Pensions Money Show special, 28 May 2008

Thu, 28 May 2009 04:00:00 GMT

Will you receive enough from your state pension, company scheme or personal savings to cover your retirement; and how much longer will you have to work if your pension fund has shrunk? Find out more about the pensions timebomb in this special edition of the FT Money Show and see the multimedia feature, www.ft.com/pensionscrisis

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FT Money Show update, 28 May 2009

Thu, 28 May 2009 04:00:00 GMT

Adrian Webb of eSure tells Lucy Warwick-Ching of ways to avoid being the victim of motor insurance fraud

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FT Money show, 22 May 2009

Fri, 22 May 2009 04:00:00 GMT

Nearly two-thirds of people will need to work beyond their planned retirement, so what does that mean for your pension planning? Can corporate bonds grow your capital? And the 95 per cent mortgage is back, backed by bank of mum and dad.

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FT Money show, 15 May 2009

Fri, 15 May 2009 04:00:00 GMT

Britain's worst savings accounts; the outlook for equities following the recent market rally; and reliable property investments that pay out up to 8 per cent a year

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FT Money show, 7 May 2009

Thu, 07 May 2009 04:00:00 GMT

What use is an ISA that pays 0.1 per cent interest? Is the emerging market equities rally sustainable? Plus good news and bad news on second homes

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FT Money Show, 30 April 2009

Thu, 30 Apr 2009 04:00:00 GMT

How to get as much as possible into your pension before budget changes bite; reasons to be wary of high share dividends; and where to go to escape next year's 50 per cent tax

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FT Money Show update, 29 March 2009

Wed, 29 Apr 2009 04:00:00 GMT

David Kuo, director of The Motley Fool talks to Lucy Warwick-Ching about why some high-yielding shares may not be sustainable and what investors should look out for.

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FT Money Show, 23 April 2009

Thu, 23 Apr 2009 04:00:00 GMT

Are there ways to avoid the Budget tax rises; will new rules for pension tax relief affect how much you can save for retirement; and will you still be able to get a decent interest rate on Isas?

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FT Budget Money Show special, 22 April 2009

Wed, 22 Apr 2009 04:00:00 GMT

What the new 50 per cent tax rate will mean for high earners; how the increased ISA allowance will affect savers, and more on the 2009 Budget announcements

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FT Money Show, 16 April 2009

Thu, 16 Apr 2009 04:00:00 GMT

Will next week's budget bring any glimmers of hope for savers or mortgage-holders; and also, new rules may make it easier for pension-holders to invest in commercial property but is now the best time to do so?

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FT Money Show, 8 April 2009

Thu, 09 Apr 2009 04:00:00 GMT

Why savings and mortage deals are changing despite the Bank of England's decision to hold the base rate; how to invest in the green recovery; and could this be the last chance to get 40 per cent tax relief on your pension contributions?

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FT Money Show, 3 April 2009

Thu, 02 Apr 2009 04:00:00 GMT

After Dunfermline, how safe are other building societies? Should you accept incentives to transfer your money out of your pension scheme? Plus, your guide to last minute savings this tax year

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FT Money Show, 26 March 2009

Thu, 26 Mar 2009 04:00:00 GMT

CPI is up but RPI is down, so what do the inflation figures mean for your savings? And how do you tell when the stock market is turning? Matthew Vincent, the FT's personal finance editor, puts these and other questions to guests including Anthony Bolton, Britain's best fund manager.

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FT Money Show update, 24 March 2009

Tue, 24 Mar 2009 04:00:00 GMT

Alice Ross talks to Ian Armitage of HgCapital, a private equity group with $2.4bn of funds under management, about private equity investment trusts.

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FT Money Show, 20 March 2009

Thu, 19 Mar 2009 04:00:00 GMT

Could Lord Turner's bank regulation proposals make it harder to get a mortgage? And also, which cyclical stocks are on the road to recovery?

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FT Money Show, 12 March 2009

Thu, 12 Mar 2009 04:00:00 GMT

Gordon Brown hints at future tax breaks for savers - but what can you do in the next three weeks? How safe is your money when it's not in a bank? Plus, a reader's question answered: how to invest money for your grandchildren?

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FT Money Show update, 11 March 2009

Wed, 11 Mar 2009 04:00:00 GMT

Matthew Vincent talks to Colin Dickie at Barclays Wealth about the risks and returns of structured products

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FT Money Show update, 9 March 2009

Mon, 09 Mar 2009 04:00:00 GMT

A listener's question answered: How to invest money for your grandchildren?

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FT Money Show

Thu, 05 Mar 2009 05:00:00 GMT

How the Bank rate cut and quantitative easing affect you; improving your pension deal; and smart inheritance tax planning

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FT Money Show

Fri, 27 Feb 2009 05:00:00 GMT

What Northern Rock extra lending means; is it time to invest in India? and judging the safety of SIPPS

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FT Money Show update, 23 Feb 2009

Mon, 23 Feb 2009 05:00:00 GMT

How will Northern Rock's increased lending affect borrowers?

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FT Money show, 20 February 2009

Fri, 20 Feb 2009 05:00:00 GMT

As savings rates fall further, we have some top tips on squeezing the most from your cash

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FT Money Show update, 18 Feb 2009

Wed, 18 Feb 2009 05:00:00 GMT

What should you do with your shares in Lloyds TSB and other banks?

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FT Money Show, 13 February 2009

Fri, 13 Feb 2009 05:00:00 GMT

How to keep your cash up with inflation

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FT Money Show, 6 February 2009

Fri, 06 Feb 2009 05:00:00 GMT

Another UK rate cut, but why aren't new mortgages going lower?

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FT Money Show, 30 January 2009

Fri, 30 Jan 2009 05:00:00 GMT

A warning on the employer threat to company pensions

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FT Money Show update, 29 Jan 2009

Thu, 29 Jan 2009 05:00:00 GMT

A pension freeze - could employers stop contributing to company pensions?

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FT Money Show Update, 28 Jan 2009

Wed, 28 Jan 2009 05:00:00 GMT

Unemployment insurance premiums are on the rise, and the criteria for eligibility are being tightened. Josephine Cumbo finds out why from the Association of British Insurers

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FT Money Show Update, 27 Jan 2009

Tue, 27 Jan 2009 05:00:00 GMT

With instant access savings accounts so low, a new internet site offers to auction your precious cash to the bidder with the best rates. Will it work? and is it safe?

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FT Money Show, 23 January 2009

Fri, 23 Jan 2009 05:00:00 GMT

What the second bank bail-out means for savings, mortgages and shares

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FT Money Show, 16 January 2009

Fri, 16 Jan 2009 05:00:00 GMT

Are financial companies tackling soaring complaints?

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FT Money Show, 8 January 2009

Thu, 08 Jan 2009 05:00:00 GMT

UK interest rates are cut to their lowest, but will your mortgage be cheaper?

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FT Money Show: End of Year Special

Thu, 18 Dec 2008 05:00:00 GMT

The FT Money Show team reflect on the highs and lows of personal finance in a tumultuous 2008, and look ahead to the prospects in a difficult 2009 for mortgages, savings and shares.

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FT Money Show, 12 December 2008

Thu, 11 Dec 2008 05:00:00 GMT

Loan rates fall, but can you get the headline deals?

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FT Money Show, 5 December 2008

Thu, 04 Dec 2008 05:00:00 GMT

How low can rates go? Will your lender pass on the Bank of England cut?

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FT Money Show on pre-Budget report

Thu, 27 Nov 2008 05:00:00 GMT

Could salary sacrifice mean less to pay for high earners?

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FT Money Show, PBR special, 24 November 2008

Mon, 24 Nov 2008 05:00:00 GMT

Who are the winners and losers from the new measures announced by Alistair Darling in today's pre-Budget report? Matthew Vincent talks to three tax experts about the tax increases for high earners, pension contributions, tax credits and the benefits available to small businesses

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FT Money Show, 20 November 2008

Fri, 21 Nov 2008 05:00:00 GMT

Why millions may not have enough equity to remortgage their home

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FT Money Show, 13 November 2008

Thu, 13 Nov 2008 05:00:00 GMT

Why there are now opportunities to cut your inheritance bill? After the interest rate cut, can you still get a cheap tracker-rate mortgage? Plus, some good news amid the bad news about investing in funds.

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FT Money Show, 6 November 2008

Thu, 06 Nov 2008 05:00:00 GMT

Will the base rate cut really be good news for borrowers?

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FT Money Show, 30 October 2008

Thu, 30 Oct 2008 04:00:00 GMT

Can you help your home hold its value in the property crash?

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FT Money Show, 23 October 2008

Thu, 23 Oct 2008 04:00:00 GMT

Frozen in Iceland: what are the chances of getting your offshore savings back?

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FT Money Show, 16 October 2008

Thu, 16 Oct 2008 04:00:00 GMT

As the dust settles, how the UK bank bail-out affects you

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FT Money Show, 9 October 2008

Thu, 09 Oct 2008 04:00:00 GMT

What the bank rescue package means for savings, mortgages and investments

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FT Money show, 2 October 2008

Thu, 02 Oct 2008 04:00:00 GMT

With confidence in banks so low that they won't lend to each other, what hope do borrowers in the UK have of getting an affordable mortgage? Is this the end of the line for buy-to-let morgages? Plus: How badly have pension funds been hit by falling equity markets and what should investors do?

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FT Money show, 25 September 2008

Thu, 25 Sep 2008 04:00:00 GMT

Where can investors find safety in the financial storm? Mortgage rates rise again - and it's not just first time buyers being priced out of the market. Plus: good news and bad news on tax free savings

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Money Show 18 September

Thu, 18 Sep 2008 04:00:00 GMT

A special edition of the money show, focusing on the effects of the financial crisis on savers, mortgage-holders and shareholders.

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Money Show 11 September 2008

Thu, 11 Sep 2008 04:00:00 GMT

Have UK shares bounced off the bottom?

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Money Show 4 September 2008

Thu, 04 Sep 2008 04:00:00 GMT

With house price indices diverging, which is the most reliable? Plus - one analyst calls the end of the equities bear market, and how to safeguard your inheritance

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Money Show 28 August 2008

Thu, 28 Aug 2008 04:00:00 GMT

Did you know that if your bank loses your data, you might be entitled to compensation just for the stress?

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Money Show 21 August 2008

Thu, 21 Aug 2008 04:00:00 GMT

Should you transfer your 'contracted out' pension fund?

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Money Show 14 August 2008

Thu, 14 Aug 2008 04:00:00 GMT

Should investors start reinvesting in the US?

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Money Show 7 August 2008

Thu, 07 Aug 2008 04:00:00 GMT

Could stamp duty concessions kickstart the housing market?

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Money Show 31 July 2008

Thu, 31 Jul 2008 04:00:00 GMT

Summer is heating up savings rates again

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Money Show 24 July 2008

Thu, 24 Jul 2008 04:00:00 GMT

Has the housing market hit rock bottom?

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Money Show 18 July 2008

Fri, 18 Jul 2008 04:00:00 GMT

The winners and losers from the Santander bid for Alliance and Leicester

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Money Show 11 July 2008

Thu, 10 Jul 2008 04:00:00 GMT

As expected the Bank of England has held base rates at 5%, so why are mortgage rates still moving all over the place?

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Money Show 4 July 2008

Fri, 04 Jul 2008 04:00:00 GMT

The rights and wrongs of bank's share issues: should you part with more cash?

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Money Show 27 June 2008

Fri, 27 Jun 2008 04:00:00 GMT

Housing market - with mortgage rates rising out of step with base rates, can it still be cheaper to buy than rent?

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FT Money show, 20 June 2008

Fri, 20 Jun 2008 04:00:00 GMT

This week: Savings rates of 7 per cent - but is it any good if inflation is rising? Investing in India - still a good idea? How a postcode lottery is shaking up the pensions market; plus building society mergers.

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FT Money show, 13 June 2008

Fri, 13 Jun 2008 04:00:00 GMT

Inflation - how much of a threat is it to fund investors, and what are fund managers doing about it?

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FT Money show, 6 June 2008

Fri, 06 Jun 2008 04:00:00 GMT

In this week's show: Bradford & Bingley - is the buy-to-let lender an investment in ruins or an investment opportunity? Mortgage rates - why the best deals are to be found not on the high street but in the oak-panelled halls of the private banks; why a so-called variable annuity can actually give you more certainty in retirement; and good and bad news on managing your credit card bills.

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FT Money show, 30 May 2008

Fri, 30 May 2008 04:00:00 GMT

In this week's show: Happy Tax Freedom Day - the day we stop working for the government and start for ourselves - but could it be earlier in the year? Coping with redundancy; Driven to drink - how to trade wine futures; and good news and bad news on savings rates.

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FT Money show, 23 May 2008

Fri, 23 May 2008 04:00:00 GMT

In this week's show: unfair bank charges - will compensation ever come? Emerging markets: is it easier or safer to invest in them through UK blue chips? Volatile markets - why it's better to be in than out; and good news and bad news on cash-backs that cut the cost of travel

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FT Money show, 16 May 2008

Fri, 16 May 2008 04:00:00 GMT

In this week's show: inflation is up but income tax is down - what do this week's announcements mean for borrowers and savers; House prices aren't all falling - we look at areas on the up; Pension investors - the unlikely winners in the credit crunch? And good news and bad news on making payments in euros.

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FT Money show, 9 May 2008

Fri, 09 May 2008 04:00:00 GMT

Why borrowers are struggling to find standard variable rate mortgages with no fee; a positive return every month and 10% a year - Nicola Horlick on a fund manager's secrets; how to avoid 40% inheritance tax; and some good news and bad news on regular saving.

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FT Money show, 2 May 2008

Fri, 02 May 2008 04:00:00 GMT

Why aren't savings rates going down? How to be a private currency trader; Asian equity markets - are they a good diversification strategy? Plus good news and bad news on Peps and Isas.

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FT Money show, 25 April 2008

Fri, 25 Apr 2008 04:00:00 GMT

This week: 50 billion from the Bank of England, but will it make any difference to mortgages? Putting property into your pension - is it still a good idea? Why we are so bad at making decisions, and what we can do about it - a behavioural psychologist explains. Plus the good news and bad news on using credit cards abroad.

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FT Money show, 18 April 2008 - Mortgage special

Fri, 18 Apr 2008 04:00:00 GMT

In this week's show: long-term fixed rates - will government action make them cheaper? Buy-to-let mortgages - are they still a good idea as house prices fall? European property - can you hedge against costly euro mortgages?

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FT Money show, 11 April 2008

Fri, 11 Apr 2008 04:00:00 GMT

In this week's show: Mortgages - who benefits from the rate cut? Water - is it really 'blue gold' for investors? Commercial property - legal threats over fund lock-ins

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FT Money show, 4 April 2008

Fri, 04 Apr 2008 04:00:00 GMT

In this week's show: housing market - how the mortgage squeeze is cutting asking prices; Agricultural commodities - what's the best way to invest as prices fall? Emerging markets - why New Star is launching a new India fund

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FT Money show, 28 March 2008

Fri, 28 Mar 2008 04:00:00 GMT

In this week's show: UK mortgage upheaval - are people looking for alternative property investments abroad? The good news and bad news on equity ISAs. Plus, a long view of the markets.

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FT Money show, 21 March 2008

Fri, 21 Mar 2008 04:00:00 GMT

In this week's show: Bank shares or bank account - should you take the risk, or take 6 per cent? Executive pensions - how to switch plans and keep benefits? Emerging markets funds - can they keep on growing?

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FT Money show 14 March 2008

Fri, 14 Mar 2008 04:00:00 GMT

In this week's Budget 2008 special: Enterprise investment schemes - why they're even more tax efficient? Stamp duty and mortgages - where was the help for homebuyers? 'Sin' taxes on tobacco and alcohol - how it helps with life insurance?

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FT Money show, 7 March 2008

Fri, 07 Mar 2008 05:00:00 GMT

In this week's show: Income investments - which are most tax-efficient in an Isa? Free financial advice - what will the new government proposals offer? Inflation-proof savings - why an RPI-linked Isa is a market-beater

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FT Money show, 29 February 2008

Fri, 29 Feb 2008 05:00:00 GMT

No description

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FT Money show, 22 February 2008

Fri, 22 Feb 2008 05:00:00 GMT

Guaranteed savings: why Northern Rock is safer than foreign banks; Tax-efficient investments - what Enterprise Investment Schemes offer; Star fund managers - who performs the best in volatile markets

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FT Money show, 15 February 2008

Fri, 15 Feb 2008 05:00:00 GMT

This week: tax rules and U-turns - the latest on tax planning for investors in individual savings accounts (Isas), and for non-doms with offshore trusts; commodities - how to profit from falling oil, gold and crop prices; and overseas banks - where to find savings rates of 6.5 per cent

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FT Money show, 8 February 2008

Fri, 08 Feb 2008 05:00:00 GMT

This week: Another interest-rate cut - why it's not all bad news for savers, or good news for all borrowers; Investment funds - how to profit from shipping, food and pop music; and green investments - what are the prospects for clean energy?

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FT Money show, 1 February 2008

Fri, 01 Feb 2008 05:00:00 GMT

In this week's show: Savings rates - guess who is offering 6.99 per cent with instant access? Buy-to-let property - can rising yields offset slow price growth? And pension investments - do volatile markets put retirement at risk?

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FT Money show, 25 January 2008

Fri, 25 Jan 2008 05:00:00 GMT

In this week's show: Market falls and recession fears: how they affect your finances; Exchange-traded tracker funds: is now the time to invest? Tax planning: what the new rules mean for offshore trusts.

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FT Money show, 18 January 2008

Fri, 18 Jan 2008 05:00:00 GMT

In this week's show: Commercial property - the professional vultures are swooping on cheap assets but what should private investors do? Is it too late to join the gold rush? Tips on making self assessment less painful; The good and bad news of 0 per cent credit cards.

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FT Money show, 11 January 2008

Fri, 11 Jan 2008 05:00:00 GMT

In this week's show: savings and loan deals: the best of the bank 'sales'; shares and currencies: the effects of a weaker pound; venture capital: the changes to the risks and rewards.

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FT Money show, 21 December 2007

Fri, 21 Dec 2007 05:00:00 GMT

In this week's show: market predictions for 2008: forecasts for shares and house prices; commercial property funds - discounts and buying opportunities; plus smarter ways to switch gas and electricity suppliers

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FT Money show, 14 December 2007

Fri, 14 Dec 2007 05:00:00 GMT

In this week's show: Markets outlook: is the rally over, and what will 2008 bring? Savings rates: how to get 8 per cent, even as rates fall; Mortgage insurance: a new scheme to protect homeowners

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FT Money show, 7 December 2007

Fri, 07 Dec 2007 05:00:00 GMT

In this week's show: Cash deposits: should you move into cash, in spite of the rate cut? Actively-managed funds: are they a better bet than 'quant' funds? Wealth secrets: how to learn them through social networking

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FT Money show, 30 November 2007

Fri, 30 Nov 2007 05:00:00 GMT

In this week's show: insuring against falling house prices: what homeowners can do now; Getting out of commercial property: should fund investors sell up? Plus: investing in a Sipp: is a 'full' pension or a low-cost plan better?

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FT Money Show 23 November 2007

Fri, 23 Nov 2007 05:00:00 GMT

In this week's show: Residential property: why buyers are resorting to 'gazundering' again. Tax-efficient investments: which is better - a pension or an Isa? Lower-cost funds: how investors benefit from a GBP300m VAT rebate.

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FT Money Show 16 November 2007

Fri, 16 Nov 2007 05:00:00 GMT

In this week's show: The credit crunch hits Christmas: why card issuers are behaving like Ebenezer Scrooge with their credit limits. The gold rush: forget the yellow stuff - platinum is exciting some investors right now. The end of private equity? Is a lack of cheap borrowing facilities limiting the opportunities for private investors? Plus good news and bad news for cash-back deals.

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FT Money show, 9 November 2007

Fri, 09 Nov 2007 05:00:00 GMT

In this week's show: Bank shares: should investors sell or hold, as the credit crisis rolls on? Exchange traded funds: how new funds do more than track an index. Emerging markets: Dr Mark Mobius goes in search of small caps

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FT Money show, 2 November 2007

Fri, 02 Nov 2007 04:00:00 GMT

In this week's show: Will the chancellor do a U-turn on capital gains tax changes? Should private investors buy into agricultural commodities? Is buy-to-let still a good investment as the housing market slows?

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FT Money show. 26 Oct 2007

Fri, 26 Oct 2007 04:00:00 GMT

This week: pension planning: How a flexible annuity can deliver a higher income; inheritance tax: What to leave to your children - and how; Sharedealing and spread-betting: How the European 'Mifid' regulations will affect you, when they come into force in November

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FT Money Show, 19 Oct 2007

Fri, 19 Oct 2007 04:00:00 GMT

This week: is it time to get out of commercial property, as property prices and fund values fall? will the regulatory shake-up of financial advice give you a better deal? and some good and bad news on mortgage rates.

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FT Money Show, 12 Oct 2007

Fri, 12 Oct 2007 04:00:00 GMT

This week: Pre-budget report special - what chancellor Darling's changes to inheritance tax and capital gains tax will mean for you.

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FT Money Show, 5 Oct 2007

Fri, 05 Oct 2007 04:00:00 GMT

This week: ethical funds - how to check if you might be invested in Burma; mixed news on cashback cards; and a guide to timing investments in collective funds.

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FT Money Show, 28 September 2007

Fri, 28 Sep 2007 04:00:00 GMT

This week: should you rely on private medical insurance or NHS provision? mixed news on credit cards; and the pros and cons of split capital invesment trusts.

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FT Money Show, 21 September 2007

Fri, 21 Sep 2007 04:00:00 GMT

This week: a guide to low-cost trackers in uncertain markets; planning tips for your tax return; and mixed news for First Direct customers.

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FT Money show, 14 September 2007

Fri, 14 Sep 2007 04:00:00 GMT

In this week's show: the best use of cash when savings rates top 7 per cent; How your postcode can affect your pension income. Plus where to find car insurance quotes you can trust

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FT Money show, 7 September 2007

Fri, 07 Sep 2007 04:00:00 GMT

In this week's show: why banks are taking a closer look at who they are lending to; new ways to profit from oil prices, as shares remain volatile; plus how writing a will can save you tax - and benefit your pet

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FT Money show, 31 August 2007

Fri, 31 Aug 2007 04:00:00 GMT

This week: what???s the best place to invest a child trust fund? How parents and investors can buy into student property, plus why late payment of tax bills is now even more costly

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FT Money show, 24 August 2007

Fri, 24 Aug 2007 04:00:00 GMT

This week: is releasing equity from your home really a good idea? The latest developments on the expansion of home information packs; How new regulations will affect smaller financial advisers

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FT Money Show, 17 Aug 2007

Fri, 17 Aug 2007 04:00:00 GMT

This week:tips on how to make and save money; which way mortgage rates are heading; and how you can pass on assets to future generations without passing on exorbitant tax and good news - bad news.

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FT Money Show, 10 Aug 2007

Fri, 10 Aug 2007 04:00:00 GMT

This week: is this really the end of mortgage exit fees? how paying on a card abroad can cost you dear; the rise in insurance premiums after the recent floods; and will investment boards stick to their pledges to buy back shares?

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FT Money show, 3 August 2007

Fri, 03 Aug 2007 04:00:00 GMT

In this week's show: Do hedge funds really protect against market volatility? Why the OFT is taking banks to court over charges; and is now the time to snap up a place in the sun?

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FT Money show, 27 July 2007

Fri, 27 Jul 2007 04:00:00 GMT

In this week's show: Is the UK's love affair with commercial property over? Do widening investment trust discounts signal a buying opportunity? plus save tax and ease your conscience with charitable giving

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FT Money show, 20 July 2007

Fri, 20 Jul 2007 04:00:00 GMT

This week the Money Show clears up the confusion about self-invested personal pensions or SIPPS; examines the pros and cons of 25-year mortgages; asks if consumers should be investing in pharmaceutical stocks; and looks at the impact of the strong pound on investing in the US.

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FT Money show, 13 July 2007

Fri, 13 Jul 2007 04:00:00 GMT

This week: How green is your wallet? We look at the eco credentials of bank accounts and credit cards; and the price of property funds.

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FT Money show, 6 July 2007

Fri, 06 Jul 2007 04:00:00 GMT

This week: how to protect your property against flood damage. Is the bottom falling out of the buy-to-let market? Plus divorce at the supermarket - is there anything that Tescos won't sell?

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FT Money show, 29 June 2007

Fri, 29 Jun 2007 04:00:00 GMT

This week: how to get a piece of the private equity action. The Chinese bubble - what would a stock market correction mean for emerging market funds? Plus the latest money news, including the pros and cons of switching current accounts.

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FT Money show, 22 June 2007

Fri, 22 Jun 2007 04:00:00 GMT

Matthew Vincent, editor of Investors Chronicle, presents the long and short of long-short funds. Can investing in climate change make a difference to the planet and your pocket? And how giving up smoking can cut the cost of your insurance.

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FT Money show, 15 June 2007

Fri, 15 Jun 2007 04:00:00 GMT

Robert Budden, the FT's personal finance editor, and Matthew Vincent, edior of Investors Chronicle on whether bonds now are a good buy; Do 100 per cent mortgages make sense; The Zopa lending model unravelled.

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FT Money show, 8 June 2007

Fri, 08 Jun 2007 04:00:00 GMT

This week: Protecting your home for less, looking after your profits plus advice on how to insure your art collection.

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FT Money show, 1 June 2007

Fri, 01 Jun 2007 04:00:00 GMT

This week: Cheaper mobile calls from abroad, lower-cost pensions, and shareholder perks

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FT Money show, 25 May 2007

Fri, 25 May 2007 04:00:00 GMT

With mortgage rates rising, are buy-to-let properties still a good investment? How green is your car insurance? A look at carbon neutral cover. Plus commission rates and your pension: advice on income drawdown.

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FT Money show, 18 May 2007

Fri, 18 May 2007 04:00:00 GMT

In this week's show: how to get more bang from your holiday buck; are interest rate hikes hurting the property market? And, 10 years on, should you hold onto shares in former building societies?

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FT Money show, 11 May 2007

Fri, 11 May 2007 04:00:00 GMT

This week: when interest rates rise why do savings rates lag so far behind? How much should your investment in ISAs have grown? And are the yields from bond funds and commercial property funds still attractive?

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FT Money show, 04 May 2007

Fri, 04 May 2007 04:00:00 GMT

This week: the true cost of estate agents' free home information packs; Should you switch energy supplier? Why stockbrokers are turning to spread betting. Plus split capital investment trusts demystified.

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FT Money show, 20 April 2007

Fri, 20 Apr 2007 04:00:00 GMT

In the first FT Money programme: why rattling windows, amongst other things, could cost you money; one of the UK's most successful fund managers launches a new product - at the age of 78; and listeners and readers questions on building society windfalls.

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