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		<title>Impact Investing</title>
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		<copyright><![CDATA[Matt Latham & Tom McGillycuddy]]></copyright>
		<itunes:keywords> impact investing,climate change,economics,pensions,investing,stock market,SIPP,climate investing,greenwashing,ESG,ESG investing,Ethical investing,beginner investing,Tesla,Elon musk</itunes:keywords>
		<itunes:author><![CDATA[Matt Latham & Tom McGillycuddy from CIRCA5000]]></itunes:author>
		<itunes:subtitle><![CDATA[Weekly insights from Matt & Tom Co-founders of CIRCA5000 on impact investing, ESG, markets and the economy]]></itunes:subtitle>
		<itunes:summary><![CDATA[Weekly insights from Matt &amp; Tom Co-founders of CIRCA5000 on impact investing, markets and the economy.  Impact Investing is a podcast brought to you by CIRCA5000. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		<description><![CDATA[Weekly insights from Matt &amp; Tom Co-founders of CIRCA5000 on impact investing, markets and the economy.  Impact Investing is a podcast brought to you by CIRCA5000. <hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
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			<title>Ep52 - Global Record Heat: Investing to Combat Climate Change</title>
			<itunes:title>Ep52 - Global Record Heat: Investing to Combat Climate Change</itunes:title>
			<pubDate>Thu, 20 Jul 2023 04:00:21 GMT</pubDate>
			<itunes:duration>22:27</itunes:duration>
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			<description><![CDATA[<p>This summer, we have seen record-breaking global temperatures and extreme weather events: floods, the hottest June on record and wildfires. The scale of the climate problem is becoming increasingly clear; governments and investors can no longer ignore it. </p><br><p>In this episode, we’ll discuss why governments have responded slowly to the crisis and the strong link between UK pensions and fossil fuels. </p><br><p>We will also examine the scale of the climate problem and how it fits into thinking about investments and being an impact investor.</p><p>Finally, we’ll discuss the different ways to invest to avoid funding fossil fuels directly or indirectly.&nbsp;</p><p>If you want to learn more about impact investing and how you can make a difference in the fight against climate change, this episode is for you.</p><p><strong>Got something to say? We’d love to hear from you </strong><a href="mailto:podcast@circa5000.com" rel="noopener noreferrer" target="_blank"><strong>podcast@circa5000.com</strong></a><strong>&nbsp;</strong></p><p><strong>Remember, when you invest, your capital is at risk. Nothing in this podcast is financial advice.&nbsp;</strong></p><br><p><strong>Related keywords:&nbsp;</strong></p><p>Invested, temperatures, uk, areas, world, pension, climate, change, climate change, global, hot, companies, borrow, build, record, podcast, degrees, energy, talked, tackling</p><br><p><br></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>This summer, we have seen record-breaking global temperatures and extreme weather events: floods, the hottest June on record and wildfires. The scale of the climate problem is becoming increasingly clear; governments and investors can no longer ignore it. </p><br><p>In this episode, we’ll discuss why governments have responded slowly to the crisis and the strong link between UK pensions and fossil fuels. </p><br><p>We will also examine the scale of the climate problem and how it fits into thinking about investments and being an impact investor.</p><p>Finally, we’ll discuss the different ways to invest to avoid funding fossil fuels directly or indirectly.&nbsp;</p><p>If you want to learn more about impact investing and how you can make a difference in the fight against climate change, this episode is for you.</p><p><strong>Got something to say? We’d love to hear from you </strong><a href="mailto:podcast@circa5000.com" rel="noopener noreferrer" target="_blank"><strong>podcast@circa5000.com</strong></a><strong>&nbsp;</strong></p><p><strong>Remember, when you invest, your capital is at risk. Nothing in this podcast is financial advice.&nbsp;</strong></p><br><p><strong>Related keywords:&nbsp;</strong></p><p>Invested, temperatures, uk, areas, world, pension, climate, change, climate change, global, hot, companies, borrow, build, record, podcast, degrees, energy, talked, tackling</p><br><p><br></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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			<title>Ep51 - Will AI disrupt wealth management? </title>
			<itunes:title>Ep51 - Will AI disrupt wealth management? </itunes:title>
			<pubDate>Wed, 12 Jul 2023 15:08:48 GMT</pubDate>
			<itunes:duration>26:27</itunes:duration>
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			<description><![CDATA[<p>This week we are thinking about how AI could change wealth management </p><br><p>Remember when investing your capital is at risk and nothing in this podcast is financial advice </p><br><p>get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>This week we are thinking about how AI could change wealth management </p><br><p>Remember when investing your capital is at risk and nothing in this podcast is financial advice </p><br><p>get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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			<title>Ep50 - Is ESG now a weaponised term?</title>
			<itunes:title>Ep50 - Is ESG now a weaponised term?</itunes:title>
			<pubDate>Fri, 07 Jul 2023 08:49:13 GMT</pubDate>
			<itunes:duration>27:40</itunes:duration>
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			<description><![CDATA[<p>This week we look at Larry Fink's latest letter to shareholders and how he and Blackrock are stepping back from using the term "ESG".</p><p>We also look at Glencore's CEO threatening to move the company from London to New York - blaming ESG  </p><p>At the same time Anti-ESG funds are not taking off in the US despite the escalation in the war on woke  </p><br><p>Get in touch: </p><p>podcast@circa5000.com </p><br><p>Remember when investing your capital is at risk and nothing in in this podcast is financial advice. </p><br><p><br></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>This week we look at Larry Fink's latest letter to shareholders and how he and Blackrock are stepping back from using the term "ESG".</p><p>We also look at Glencore's CEO threatening to move the company from London to New York - blaming ESG  </p><p>At the same time Anti-ESG funds are not taking off in the US despite the escalation in the war on woke  </p><br><p>Get in touch: </p><p>podcast@circa5000.com </p><br><p>Remember when investing your capital is at risk and nothing in in this podcast is financial advice. </p><br><p><br></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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			<title>Ep49 - Crowdfunding and half year predictions </title>
			<itunes:title>Ep49 - Crowdfunding and half year predictions </itunes:title>
			<pubDate>Tue, 13 Jun 2023 10:15:38 GMT</pubDate>
			<itunes:duration>23:02</itunes:duration>
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			<description><![CDATA[<p>We review the predictions we made for 2023 and see if things are turning out as expected! </p><br><p>Get in touch: podcast@circa5000.com </p><br><p>Crowdfunding: https://circa5000.com/crowdfund</p><br><p>Remember nothing in this podcast is financial advice and when investing your capital is at risk.  Crowdfunding carries specific risks please take 2mins to read about them on crowdcube.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>We review the predictions we made for 2023 and see if things are turning out as expected! </p><br><p>Get in touch: podcast@circa5000.com </p><br><p>Crowdfunding: https://circa5000.com/crowdfund</p><br><p>Remember nothing in this podcast is financial advice and when investing your capital is at risk.  Crowdfunding carries specific risks please take 2mins to read about them on crowdcube.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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			<title>Ep48 - CIRCA5000 ETFs </title>
			<itunes:title>Ep48 - CIRCA5000 ETFs </itunes:title>
			<pubDate>Thu, 08 Jun 2023 09:55:27 GMT</pubDate>
			<itunes:duration>21:03</itunes:duration>
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			<itunes:episode>48</itunes:episode>
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			<description><![CDATA[<p>The CIRCA5000 ETFs are live! </p><br><p>Remember nothing in this podcast is financial advice and when investing your capital is at risk. </p><br><p>Get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>The CIRCA5000 ETFs are live! </p><br><p>Remember nothing in this podcast is financial advice and when investing your capital is at risk. </p><br><p>Get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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			<title><![CDATA[Ep47 - Impact investing & ETFs]]></title>
			<itunes:title><![CDATA[Ep47 - Impact investing & ETFs]]></itunes:title>
			<pubDate>Wed, 31 May 2023 14:25:10 GMT</pubDate>
			<itunes:duration>20:52</itunes:duration>
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			<acast:episodeUrl>ep47-impact-investing-etfs</acast:episodeUrl>
			<acast:settings><![CDATA[FYjHyZbXWHZ7gmX8Pp1rmbKbhgrQiwYShz70Q9/ffXZMTtedvdcRQbP4eiLMjXzCKLPjEYLpGj+NMVKa+5C8pL4u/EOj1Vw4h5MMJYp0lCcFAe0fnxBJy/1ju4Qxy1fh8gO4DvlGA40yms2g0/hOkcrfHIopjTygHFqGwwOPKFIai4SuTvs86Lx3UYCyl6ZsfNVp/xnzW77mJgjo+5p3gOdGeIDkd1aIzOWVIKai1oTeqS/+sUcXWLu9mdFM7kv02F3eYKQ1rlMKrrrS+ruHr0d//sSU8zvqasoXyAqbB48K099NjjOmL8xwrbS/ECnR]]></acast:settings>
			<itunes:episodeType>full</itunes:episodeType>
			<itunes:season>1</itunes:season>
			<itunes:episode>47</itunes:episode>
			<itunes:image href="https://assets.pippa.io/shows/62b19b99ee9c090012a7b1f0/1655992685999-c9fa854a20f282dd3e45025da5ffc747.jpeg"/>
			<description><![CDATA[<p>This week we discuss what makes a good 'impact' ETF and discuss the differences between 'active' and 'passive' funds. </p><br><p>When investing your capital is at risk and nothing in this podcast is financial advice. </p><br><p>Get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>This week we discuss what makes a good 'impact' ETF and discuss the differences between 'active' and 'passive' funds. </p><br><p>When investing your capital is at risk and nothing in this podcast is financial advice. </p><br><p>Get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>EP46 - What next for ETFs?</title>
			<itunes:title>EP46 - What next for ETFs?</itunes:title>
			<pubDate>Fri, 26 May 2023 13:26:09 GMT</pubDate>
			<itunes:duration>20:29</itunes:duration>
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			<link>https://shows.acast.com/circa5000/episodes/ep46-what-next-for-etfs</link>
			<acast:episodeId>6470b373fdb7e300112d4600</acast:episodeId>
			<acast:showId>62b19b99ee9c090012a7b1f0</acast:showId>
			<acast:episodeUrl>ep46-what-next-for-etfs</acast:episodeUrl>
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			<itunes:episodeType>full</itunes:episodeType>
			<itunes:season>1</itunes:season>
			<itunes:episode>46</itunes:episode>
			<itunes:image href="https://assets.pippa.io/shows/62b19b99ee9c090012a7b1f0/1655992685999-c9fa854a20f282dd3e45025da5ffc747.jpeg"/>
			<description><![CDATA[<p>This week we are looking at ETFs and what is next for this rapidly growing and changing area of the investment world. </p><br><p>Nothing in this podcast is financial advice and when investing your capital is at risk. </p><br><p>Get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>This week we are looking at ETFs and what is next for this rapidly growing and changing area of the investment world. </p><br><p>Nothing in this podcast is financial advice and when investing your capital is at risk. </p><br><p>Get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Ep45 - The end of inflation? What now for interest rates?</title>
			<itunes:title>Ep45 - The end of inflation? What now for interest rates?</itunes:title>
			<pubDate>Thu, 18 May 2023 12:16:57 GMT</pubDate>
			<itunes:duration>23:47</itunes:duration>
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			<link>https://shows.acast.com/circa5000/episodes/ep45-the-end-of-inflation-what-now-for-interest-rates</link>
			<acast:episodeId>6466173b0c4d6b0012202239</acast:episodeId>
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			<acast:episodeUrl>ep45-the-end-of-inflation-what-now-for-interest-rates</acast:episodeUrl>
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			<itunes:episodeType>full</itunes:episodeType>
			<itunes:season>1</itunes:season>
			<itunes:episode>45</itunes:episode>
			<itunes:image href="https://assets.pippa.io/shows/62b19b99ee9c090012a7b1f0/1655992685999-c9fa854a20f282dd3e45025da5ffc747.jpeg"/>
			<description><![CDATA[<p>This week we discuss the ongoing challenges central banks face in tackling inflation across different regions US, Eurozone and UK. </p><p>Will rates continue to rise? Will inflation ever get down to the 2% target?  And what does it all mean for markets, investors and savers? </p><br><p>Remember nothing in this podcast is financial advice and when investing your capital is at risk. </p><br><p>Get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>This week we discuss the ongoing challenges central banks face in tackling inflation across different regions US, Eurozone and UK. </p><p>Will rates continue to rise? Will inflation ever get down to the 2% target?  And what does it all mean for markets, investors and savers? </p><br><p>Remember nothing in this podcast is financial advice and when investing your capital is at risk. </p><br><p>Get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Ep44 - ESG funds boom!</title>
			<itunes:title>Ep44 - ESG funds boom!</itunes:title>
			<pubDate>Wed, 03 May 2023 14:53:27 GMT</pubDate>
			<itunes:duration>22:54</itunes:duration>
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			<link>https://shows.acast.com/circa5000/episodes/ep44-esg-funds-boom</link>
			<acast:episodeId>6452756856fd69001130460e</acast:episodeId>
			<acast:showId>62b19b99ee9c090012a7b1f0</acast:showId>
			<acast:episodeUrl>ep44-esg-funds-boom</acast:episodeUrl>
			<acast:settings><![CDATA[FYjHyZbXWHZ7gmX8Pp1rmbKbhgrQiwYShz70Q9/ffXZMTtedvdcRQbP4eiLMjXzCKLPjEYLpGj+NMVKa+5C8pL4u/EOj1Vw4h5MMJYp0lCcFAe0fnxBJy/1ju4Qxy1fh8gO4DvlGA40yms2g0/hOkcrfHIopjTygHFqGwwOPKFIai4SuTvs86Lx3UYCyl6ZsfNVp/xnzW77mJgjo+5p3gOdGeIDkd1aIzOWVIKai1oRqGGj5QMj1e5ltOCahftBSnWFUSjr3iZTgXnawR/9ECP6GQhY9qYko8MDwjH6VIdIHKUmojLr2ci1InAFVeOD7]]></acast:settings>
			<itunes:episodeType>full</itunes:episodeType>
			<itunes:season>1</itunes:season>
			<itunes:episode>44</itunes:episode>
			<itunes:image href="https://assets.pippa.io/shows/62b19b99ee9c090012a7b1f0/1655992685999-c9fa854a20f282dd3e45025da5ffc747.jpeg"/>
			<description><![CDATA[<p>In this ep we look at how explosion in the number of ESG branded funds has turned into a massive retraction with fund managers rushing to downgrade their own sustainability ratings.  We also look at how ratings agency MSCI is getting stricter on ESG ratings. </p><br><p>Remember when investing your capital is at risk and nothing in this podcast is financial advice. </p><br><p>Get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>In this ep we look at how explosion in the number of ESG branded funds has turned into a massive retraction with fund managers rushing to downgrade their own sustainability ratings.  We also look at how ratings agency MSCI is getting stricter on ESG ratings. </p><br><p>Remember when investing your capital is at risk and nothing in this podcast is financial advice. </p><br><p>Get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Ep43 - UK Pensions: Who Really Benefits?</title>
			<itunes:title>Ep43 - UK Pensions: Who Really Benefits?</itunes:title>
			<pubDate>Wed, 26 Apr 2023 11:45:47 GMT</pubDate>
			<itunes:duration>24:03</itunes:duration>
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			<link>https://shows.acast.com/circa5000/episodes/ep43-uk-pensions-who-really-benefits</link>
			<acast:episodeId>64490cfb52b8d300116a4b11</acast:episodeId>
			<acast:showId>62b19b99ee9c090012a7b1f0</acast:showId>
			<acast:episodeUrl>ep43-uk-pensions-who-really-benefits</acast:episodeUrl>
			<acast:settings><![CDATA[FYjHyZbXWHZ7gmX8Pp1rmbKbhgrQiwYShz70Q9/ffXZMTtedvdcRQbP4eiLMjXzCKLPjEYLpGj+NMVKa+5C8pL4u/EOj1Vw4h5MMJYp0lCcFAe0fnxBJy/1ju4Qxy1fh8gO4DvlGA40yms2g0/hOkcrfHIopjTygHFqGwwOPKFIai4SuTvs86Lx3UYCyl6ZsfNVp/xnzW77mJgjo+5p3gOdGeIDkd1aIzOWVIKai1oT/yqNzccC8wZfblUKmxgcw+P3awU+jOLVoMPaMHM5PAFKEbLTajr7QMeQCmikCOKZb03hYFZRONELMaOY8P5V3]]></acast:settings>
			<itunes:episodeType>full</itunes:episodeType>
			<itunes:season>1</itunes:season>
			<itunes:episode>43</itunes:episode>
			<itunes:image href="https://assets.pippa.io/shows/62b19b99ee9c090012a7b1f0/1655992685999-c9fa854a20f282dd3e45025da5ffc747.jpeg"/>
			<description><![CDATA[<p>In this episode, we will discuss the topic of pensions and their impact on the UK economy and individuals. The conversation will cover the key players involved, including Tony Blair and William Hague's 'New National Purpose' report, and the central question: Are pensions working for people or the UK economy?</p><br><p>The Decline of Defined Benefit (DB) Pensions:</p><p>The episode highlights that DB schemes, which were designed to provide salary-linked pensions to employees, are now closed to new pension savers due to their lack of safety. With exposure to equities decreasing from 61% in 2006 to 19% in 2022, DB schemes are being driven by accounting rather than returns. As a result, DB pensions are effectively dead and are only financing the UK government.</p><br><p>The Limitations of Defined Contribution (DC) Pensions:</p><p>The discussion further points out that DC schemes put more risk on the employee, resulting in a big gap in pension provision. The UK pension system is risk-averse and incoherent. It was noted that the shift to self-responsibility was not matched with a shift in financial education or understanding, posing a real problem for millions of people.</p><br><p>The Impact on UK Markets and Economy:</p><p>The podcast notes that overseas pensions invest 16 times more in venture capital and private equity in the UK than domestic pensions do. Additionally, the value of the UK stock market has decreased from 159% of GDP to 95% between Q3 2000 and Q4 2022. The FTSE 100 is not a place for new and dynamic businesses. The discussion raises a growing concern among business, finance, and political leaders about a wider British malaise where risk-averse pension systems and a moribund market for new equity issues are driving growth and prosperity elsewhere.</p><br><p>Proposed Solutions:</p><p>The episode concludes with proposed solutions to address the problem of pensions not working for people or the UK economy. These include mandating investment in growth equity and infrastructure, consolidating defined-contribution schemes, and providing tax incentives for domestic investments. The conversation highlights that trillions of pounds of UK pension fund assets are not being used to invest in companies, drive growth, or boost the economy. Finally, the discussion clarifies that the episode is not suggesting that individuals should focus their pension on the UK economy.</p><br><p>Nothing in this episode is financial advice and when investing your capital is at risk.</p><br><p>Pension Comp T&amp;Cs: <a href="https://circa5000.com/support/promotional-terms-pension-competition" rel="noopener noreferrer" target="_blank">https://circa5000.com/support/promotional-terms-pension-competition</a></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>In this episode, we will discuss the topic of pensions and their impact on the UK economy and individuals. The conversation will cover the key players involved, including Tony Blair and William Hague's 'New National Purpose' report, and the central question: Are pensions working for people or the UK economy?</p><br><p>The Decline of Defined Benefit (DB) Pensions:</p><p>The episode highlights that DB schemes, which were designed to provide salary-linked pensions to employees, are now closed to new pension savers due to their lack of safety. With exposure to equities decreasing from 61% in 2006 to 19% in 2022, DB schemes are being driven by accounting rather than returns. As a result, DB pensions are effectively dead and are only financing the UK government.</p><br><p>The Limitations of Defined Contribution (DC) Pensions:</p><p>The discussion further points out that DC schemes put more risk on the employee, resulting in a big gap in pension provision. The UK pension system is risk-averse and incoherent. It was noted that the shift to self-responsibility was not matched with a shift in financial education or understanding, posing a real problem for millions of people.</p><br><p>The Impact on UK Markets and Economy:</p><p>The podcast notes that overseas pensions invest 16 times more in venture capital and private equity in the UK than domestic pensions do. Additionally, the value of the UK stock market has decreased from 159% of GDP to 95% between Q3 2000 and Q4 2022. The FTSE 100 is not a place for new and dynamic businesses. The discussion raises a growing concern among business, finance, and political leaders about a wider British malaise where risk-averse pension systems and a moribund market for new equity issues are driving growth and prosperity elsewhere.</p><br><p>Proposed Solutions:</p><p>The episode concludes with proposed solutions to address the problem of pensions not working for people or the UK economy. These include mandating investment in growth equity and infrastructure, consolidating defined-contribution schemes, and providing tax incentives for domestic investments. The conversation highlights that trillions of pounds of UK pension fund assets are not being used to invest in companies, drive growth, or boost the economy. Finally, the discussion clarifies that the episode is not suggesting that individuals should focus their pension on the UK economy.</p><br><p>Nothing in this episode is financial advice and when investing your capital is at risk.</p><br><p>Pension Comp T&amp;Cs: <a href="https://circa5000.com/support/promotional-terms-pension-competition" rel="noopener noreferrer" target="_blank">https://circa5000.com/support/promotional-terms-pension-competition</a></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title><![CDATA[Ep42 - Animal testing in ESG funds & should we invest in mining companies?   ]]></title>
			<itunes:title><![CDATA[Ep42 - Animal testing in ESG funds & should we invest in mining companies?   ]]></itunes:title>
			<pubDate>Wed, 19 Apr 2023 04:00:44 GMT</pubDate>
			<itunes:duration>24:17</itunes:duration>
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			<link>https://shows.acast.com/circa5000/episodes/ep42-animal-testing-esg-and-should-we-invest-in-mining</link>
			<acast:episodeId>643ee57c425b310011b85203</acast:episodeId>
			<acast:showId>62b19b99ee9c090012a7b1f0</acast:showId>
			<acast:episodeUrl>ep42-animal-testing-esg-and-should-we-invest-in-mining</acast:episodeUrl>
			<acast:settings><![CDATA[FYjHyZbXWHZ7gmX8Pp1rmbKbhgrQiwYShz70Q9/ffXZMTtedvdcRQbP4eiLMjXzCKLPjEYLpGj+NMVKa+5C8pL4u/EOj1Vw4h5MMJYp0lCcFAe0fnxBJy/1ju4Qxy1fh8gO4DvlGA40yms2g0/hOkcrfHIopjTygHFqGwwOPKFIai4SuTvs86Lx3UYCyl6ZsfNVp/xnzW77mJgjo+5p3gOdGeIDkd1aIzOWVIKai1oRjCZx8h4HDr+W9LEF4NRa25pF8pzoCkysG7159j5LiEUglm7VLXF8SsqXW030nR0SfCTpbKL6EKG9/uZcXJ5gp]]></acast:settings>
			<itunes:episodeType>full</itunes:episodeType>
			<itunes:season>1</itunes:season>
			<itunes:episode>42</itunes:episode>
			<itunes:image href="https://assets.pippa.io/shows/62b19b99ee9c090012a7b1f0/1655992685999-c9fa854a20f282dd3e45025da5ffc747.jpeg"/>
			<description><![CDATA[<p>This week we talk about companies with animal testing exposure in ESG funds. We also look at whether mining could ever form part of an impact portfolio.</p><br><p>Nothing in this episode is financial advice and when investing your capital is at risk.</p><br><p>Pension Comp T&amp;Cs: <a href="https://circa5000.com/support/promotional-terms-pension-competition" rel="noopener noreferrer" target="_blank">https://circa5000.com/support/promotional-terms-pension-competition</a></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>This week we talk about companies with animal testing exposure in ESG funds. We also look at whether mining could ever form part of an impact portfolio.</p><br><p>Nothing in this episode is financial advice and when investing your capital is at risk.</p><br><p>Pension Comp T&amp;Cs: <a href="https://circa5000.com/support/promotional-terms-pension-competition" rel="noopener noreferrer" target="_blank">https://circa5000.com/support/promotional-terms-pension-competition</a></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Ep41 - The state of the U.K. (U.K. economy special!)</title>
			<itunes:title>Ep41 - The state of the U.K. (U.K. economy special!)</itunes:title>
			<pubDate>Tue, 11 Apr 2023 07:31:18 GMT</pubDate>
			<itunes:duration>29:24</itunes:duration>
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			<link>https://shows.acast.com/circa5000/episodes/ep41-the-state-of-the-uk</link>
			<acast:episodeId>643462e2be412000114df1cd</acast:episodeId>
			<acast:showId>62b19b99ee9c090012a7b1f0</acast:showId>
			<acast:episodeUrl>ep41-the-state-of-the-uk</acast:episodeUrl>
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			<itunes:episodeType>full</itunes:episodeType>
			<itunes:season>1</itunes:season>
			<itunes:episode>41</itunes:episode>
			<itunes:image href="https://assets.pippa.io/shows/62b19b99ee9c090012a7b1f0/1655992685999-c9fa854a20f282dd3e45025da5ffc747.jpeg"/>
			<description><![CDATA[<p>This week it’s the long awaited U.K. economy special. There’s no way it can live up to the hype but at least we finally got around to recording it.</p><br><p>Remember nothing in this podcast is financial advice and when investing your capital is at risk</p><br><p>Get in touch: podcast@circa5000.com</p><p>Pension Comp T&amp;Cs: <a href="https://circa5000.com/support/promotional-terms-pension-competition" rel="noopener noreferrer" target="_blank">https://circa5000.com/support/promotional-terms-pension-competition</a></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>This week it’s the long awaited U.K. economy special. There’s no way it can live up to the hype but at least we finally got around to recording it.</p><br><p>Remember nothing in this podcast is financial advice and when investing your capital is at risk</p><br><p>Get in touch: podcast@circa5000.com</p><p>Pension Comp T&amp;Cs: <a href="https://circa5000.com/support/promotional-terms-pension-competition" rel="noopener noreferrer" target="_blank">https://circa5000.com/support/promotional-terms-pension-competition</a></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Ep40 - Is ESG missing a D? plus what does OPEC+ reducing oil supply mean for impact investors</title>
			<itunes:title>Ep40 - Is ESG missing a D? plus what does OPEC+ reducing oil supply mean for impact investors</itunes:title>
			<pubDate>Wed, 05 Apr 2023 10:59:18 GMT</pubDate>
			<itunes:duration>20:08</itunes:duration>
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			<itunes:season>1</itunes:season>
			<itunes:episode>40</itunes:episode>
			<itunes:image href="https://assets.pippa.io/shows/62b19b99ee9c090012a7b1f0/1655992685999-c9fa854a20f282dd3e45025da5ffc747.jpeg"/>
			<description><![CDATA[<p>This week we discuss the recent oil price rises as a result of the OPEC+ reducing oil supply by 1m barrels a day. We also ask whether ESG is missing a D?!</p><br><p>This podcast is not financial advice and when investing your capital is at risk</p><br><p>Get in touch: podcast@circa5000.com</p><br><p>Pension Comp T&amp;Cs: <a href="https://circa5000.com/support/promotional-terms-pension-competition" rel="noopener noreferrer" target="_blank">https://circa5000.com/support/promotional-terms-pension-competition</a></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>This week we discuss the recent oil price rises as a result of the OPEC+ reducing oil supply by 1m barrels a day. We also ask whether ESG is missing a D?!</p><br><p>This podcast is not financial advice and when investing your capital is at risk</p><br><p>Get in touch: podcast@circa5000.com</p><br><p>Pension Comp T&amp;Cs: <a href="https://circa5000.com/support/promotional-terms-pension-competition" rel="noopener noreferrer" target="_blank">https://circa5000.com/support/promotional-terms-pension-competition</a></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title><![CDATA[Ep39 - "The ESG Mirage", Is ESG evolving? ]]></title>
			<itunes:title><![CDATA[Ep39 - "The ESG Mirage", Is ESG evolving? ]]></itunes:title>
			<pubDate>Wed, 29 Mar 2023 07:03:05 GMT</pubDate>
			<itunes:duration>26:40</itunes:duration>
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			<itunes:episodeType>full</itunes:episodeType>
			<itunes:season>1</itunes:season>
			<itunes:episode>39</itunes:episode>
			<itunes:image href="https://assets.pippa.io/shows/62b19b99ee9c090012a7b1f0/1655992685999-c9fa854a20f282dd3e45025da5ffc747.jpeg"/>
			<description><![CDATA[<p>This week we discuss whether ESG is moving beyond being just a risk framework and how marketing, press articles and greenwashing is warping what people think of as 'ESG'.</p><br><p>When investing you capital is at risk. Nothing in this podcast is financial advice.</p><br><p>Get in touch: podcast@circa5000.com</p><br><p>Pension comp terms: <a href="https://circa5000.com/support/promotional-terms-pension-competition" rel="noopener noreferrer" target="_blank">https://circa5000.com/support/promotional-terms-pension-competition</a></p><p>ISA comp terms: <a href="https://circa5000.com/support/promotional-terms-isa-matched-giveaway" rel="noopener noreferrer" target="_blank">https://circa5000.com/support/promotional-terms-isa-matched-giveaway</a></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>This week we discuss whether ESG is moving beyond being just a risk framework and how marketing, press articles and greenwashing is warping what people think of as 'ESG'.</p><br><p>When investing you capital is at risk. Nothing in this podcast is financial advice.</p><br><p>Get in touch: podcast@circa5000.com</p><br><p>Pension comp terms: <a href="https://circa5000.com/support/promotional-terms-pension-competition" rel="noopener noreferrer" target="_blank">https://circa5000.com/support/promotional-terms-pension-competition</a></p><p>ISA comp terms: <a href="https://circa5000.com/support/promotional-terms-isa-matched-giveaway" rel="noopener noreferrer" target="_blank">https://circa5000.com/support/promotional-terms-isa-matched-giveaway</a></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title><![CDATA[Ep38 - ISA vs LISA vs Pension & Oil shareholders revolt! ]]></title>
			<itunes:title><![CDATA[Ep38 - ISA vs LISA vs Pension & Oil shareholders revolt! ]]></itunes:title>
			<pubDate>Thu, 23 Mar 2023 09:08:11 GMT</pubDate>
			<itunes:duration>26:00</itunes:duration>
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			<acast:episodeId>641c16fc39603e00121e6922</acast:episodeId>
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			<itunes:episodeType>full</itunes:episodeType>
			<itunes:season>1</itunes:season>
			<itunes:episode>38</itunes:episode>
			<itunes:image href="https://assets.pippa.io/shows/62b19b99ee9c090012a7b1f0/1655992685999-c9fa854a20f282dd3e45025da5ffc747.jpeg"/>
			<description><![CDATA[<p>This week we review how wrong our budget predictions were.  Discuss ISAs vs LISAs vs Pensions and how shareholders of BP and Shell are planning to vote against management to force climate action. </p><br><p>When investing you capital is at risk.  Nothing in this podcast is financial advice. </p><br><p>Get in touch: podcast@circa5000.com </p><br><p>Pension comp terms: <a href="https://circa5000.com/support/promotional-terms-pension-competition" rel="noopener noreferrer" target="_blank">https://circa5000.com/support/promotional-terms-pension-competition</a></p><p>ISA comp terms: <a href="https://circa5000.com/support/promotional-terms-isa-matched-giveaway" rel="noopener noreferrer" target="_blank">https://circa5000.com/support/promotional-terms-isa-matched-giveaway</a></p><p>British bank awards (VOTE!): <a href="https://smartmoneypeople.com/CIRCA-5000-Reviews/products" rel="noopener noreferrer" target="_blank">https://smartmoneypeople.com/CIRCA-5000-Reviews/products</a></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>This week we review how wrong our budget predictions were.  Discuss ISAs vs LISAs vs Pensions and how shareholders of BP and Shell are planning to vote against management to force climate action. </p><br><p>When investing you capital is at risk.  Nothing in this podcast is financial advice. </p><br><p>Get in touch: podcast@circa5000.com </p><br><p>Pension comp terms: <a href="https://circa5000.com/support/promotional-terms-pension-competition" rel="noopener noreferrer" target="_blank">https://circa5000.com/support/promotional-terms-pension-competition</a></p><p>ISA comp terms: <a href="https://circa5000.com/support/promotional-terms-isa-matched-giveaway" rel="noopener noreferrer" target="_blank">https://circa5000.com/support/promotional-terms-isa-matched-giveaway</a></p><p>British bank awards (VOTE!): <a href="https://smartmoneypeople.com/CIRCA-5000-Reviews/products" rel="noopener noreferrer" target="_blank">https://smartmoneypeople.com/CIRCA-5000-Reviews/products</a></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title><![CDATA[Ep37 - UK Budget preview & Silicon Valley Bank ]]></title>
			<itunes:title><![CDATA[Ep37 - UK Budget preview & Silicon Valley Bank ]]></itunes:title>
			<pubDate>Tue, 14 Mar 2023 18:34:03 GMT</pubDate>
			<itunes:duration>26:39</itunes:duration>
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			<itunes:episodeType>full</itunes:episodeType>
			<itunes:season>1</itunes:season>
			<itunes:episode>37</itunes:episode>
			<itunes:image href="https://assets.pippa.io/shows/62b19b99ee9c090012a7b1f0/1655992685999-c9fa854a20f282dd3e45025da5ffc747.jpeg"/>
			<description><![CDATA[<p>We discuss predictions for the UK budget ahead of the announcement by Jeremy Hunt on 15th March. We discuss the impact on climate start ups of the failure of Silicon Valley Bank.</p><br><p>Pension comp terms:</p><p>https://docs.circa5000.com/website_policies/2023-pension-giveaway-t-cs.pdf?utm_source=Iterable&amp;utm_medium=email&amp;utm_campaign=pension-comp</p><br><p>British Business Bank Awards (please vote) </p><p>https://smartmoneypeople.com/CIRCA-5000-Reviews/product/Investment-App/review </p><br><p>Get in touch: podcast@circa5000.com</p><br><p>Remember when investing your capital is at risk and nothing in this podcast is financial advice</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>We discuss predictions for the UK budget ahead of the announcement by Jeremy Hunt on 15th March. We discuss the impact on climate start ups of the failure of Silicon Valley Bank.</p><br><p>Pension comp terms:</p><p>https://docs.circa5000.com/website_policies/2023-pension-giveaway-t-cs.pdf?utm_source=Iterable&amp;utm_medium=email&amp;utm_campaign=pension-comp</p><br><p>British Business Bank Awards (please vote) </p><p>https://smartmoneypeople.com/CIRCA-5000-Reviews/product/Investment-App/review </p><br><p>Get in touch: podcast@circa5000.com</p><br><p>Remember when investing your capital is at risk and nothing in this podcast is financial advice</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title><![CDATA[Ep36 - How have markets started 2023 & Joe Biden enters the ESG wars ]]></title>
			<itunes:title><![CDATA[Ep36 - How have markets started 2023 & Joe Biden enters the ESG wars ]]></itunes:title>
			<pubDate>Thu, 09 Mar 2023 09:39:30 GMT</pubDate>
			<itunes:duration>23:01</itunes:duration>
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			<acast:episodeUrl>ep36</acast:episodeUrl>
			<acast:settings><![CDATA[FYjHyZbXWHZ7gmX8Pp1rmbKbhgrQiwYShz70Q9/ffXZMTtedvdcRQbP4eiLMjXzCKLPjEYLpGj+NMVKa+5C8pL4u/EOj1Vw4h5MMJYp0lCcFAe0fnxBJy/1ju4Qxy1fh8gO4DvlGA40yms2g0/hOkcrfHIopjTygHFqGwwOPKFIai4SuTvs86Lx3UYCyl6ZsfNVp/xnzW77mJgjo+5p3gOdGeIDkd1aIzOWVIKai1oS4bBO51FYKfMPgTRMYgLNkhSrnWOaHq6s4gvlJkk9MCm6VSm/rIsPgltRGaKNz6phPyn5xu1TA0WCVhkidueqU]]></acast:settings>
			<itunes:episodeType>full</itunes:episodeType>
			<itunes:season>1</itunes:season>
			<itunes:episode>36</itunes:episode>
			<itunes:image href="https://assets.pippa.io/shows/62b19b99ee9c090012a7b1f0/1655992685999-c9fa854a20f282dd3e45025da5ffc747.jpeg"/>
			<description><![CDATA[<p>Vote for us in the British Bank Awards: <a href="https://smartmoneypeople.com/british-bank-awards/review" rel="noopener noreferrer" target="_blank">https://smartmoneypeople.com/british-bank-awards/review</a>&nbsp; </p><br><p>This week we talk about the war on ESG in the US and take a look at how markets have started the year.  (Tom also manages to mention Elon Musk - again!) </p><br><p>Remember when investing your capital is at risk and nothing in this podcast is financial advice. </p><br><p>Get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>Vote for us in the British Bank Awards: <a href="https://smartmoneypeople.com/british-bank-awards/review" rel="noopener noreferrer" target="_blank">https://smartmoneypeople.com/british-bank-awards/review</a>&nbsp; </p><br><p>This week we talk about the war on ESG in the US and take a look at how markets have started the year.  (Tom also manages to mention Elon Musk - again!) </p><br><p>Remember when investing your capital is at risk and nothing in this podcast is financial advice. </p><br><p>Get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Ep 35 - 10 Investing myths debunked </title>
			<itunes:title>Ep 35 - 10 Investing myths debunked </itunes:title>
			<pubDate>Tue, 21 Feb 2023 10:39:58 GMT</pubDate>
			<itunes:duration>23:10</itunes:duration>
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			<link>https://shows.acast.com/circa5000/episodes/ep-35-10-investing-myths-debunked</link>
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			<itunes:episode>35</itunes:episode>
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			<description><![CDATA[<p>In this episode we we run through 10 common investing myths </p><br><p>Remember when investing your capital is at risk and nothing in this podcast is financial advice </p><br><p>Get in touch: podcast@circa5000.com </p><br><p><br></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>In this episode we we run through 10 common investing myths </p><br><p>Remember when investing your capital is at risk and nothing in this podcast is financial advice </p><br><p>Get in touch: podcast@circa5000.com </p><br><p><br></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Ep34 - Impact Investing Updated</title>
			<itunes:title>Ep34 - Impact Investing Updated</itunes:title>
			<pubDate>Tue, 14 Feb 2023 09:29:30 GMT</pubDate>
			<itunes:duration>24:10</itunes:duration>
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			<itunes:episode>34</itunes:episode>
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			<description><![CDATA[<p>This week we are discussing impact investing! </p><br><p>Remember when investing your capital is at risk and nothing in this podcast is financial advice. </p><br><p>Get in touch with your questions podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>This week we are discussing impact investing! </p><br><p>Remember when investing your capital is at risk and nothing in this podcast is financial advice. </p><br><p>Get in touch with your questions podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Ep33 - 10 ISA tips in 10 minutes </title>
			<itunes:title>Ep33 - 10 ISA tips in 10 minutes </itunes:title>
			<pubDate>Tue, 07 Feb 2023 05:00:03 GMT</pubDate>
			<itunes:duration>11:22</itunes:duration>
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			<itunes:episode>33</itunes:episode>
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			<description><![CDATA[<p>A new quickfire episode - we give our 10 ISA tips in 10 minutes! </p><br><p>Nothing in this podcast is financial advice, when investing your capital is at risk. </p><br><p>Send us your questions: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>A new quickfire episode - we give our 10 ISA tips in 10 minutes! </p><br><p>Nothing in this podcast is financial advice, when investing your capital is at risk. </p><br><p>Send us your questions: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title><![CDATA[Ep32- What do cannabis, the metaverse & pet care have in common? Thematic investing reviewed]]></title>
			<itunes:title><![CDATA[Ep32- What do cannabis, the metaverse & pet care have in common? Thematic investing reviewed]]></itunes:title>
			<pubDate>Tue, 31 Jan 2023 05:00:59 GMT</pubDate>
			<itunes:duration>32:36</itunes:duration>
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			<itunes:episode>32</itunes:episode>
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			<description><![CDATA[<p>In this episode we make the case for <em>and </em>against thematic investing.  We look at the different types of funds.  What does a 'bad' thematic fund look like? Can thematic investing be part of a proper investment portfolio and why the industry has got it wrong when it comes to thematic funds. </p><br><p>Remember when investing your capital is at risk and this podcast does not provide financial advice.  We are not making any recommendation to buy, hold, sell or short any fund or stock. </p><br><p>Get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>In this episode we make the case for <em>and </em>against thematic investing.  We look at the different types of funds.  What does a 'bad' thematic fund look like? Can thematic investing be part of a proper investment portfolio and why the industry has got it wrong when it comes to thematic funds. </p><br><p>Remember when investing your capital is at risk and this podcast does not provide financial advice.  We are not making any recommendation to buy, hold, sell or short any fund or stock. </p><br><p>Get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Ep31 - Pensions  - will you have enough money to retire? </title>
			<itunes:title>Ep31 - Pensions  - will you have enough money to retire? </itunes:title>
			<pubDate>Tue, 24 Jan 2023 05:00:02 GMT</pubDate>
			<itunes:duration>33:01</itunes:duration>
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			<itunes:episode>31</itunes:episode>
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			<description><![CDATA[<p>This week we take another look at pensions and the generational shift in what people can expect in retirement.  Pensions have changed - generous defined benefit schemes are almost completely gone and defined contribution schemes put the risk of not having enough in retirement on you, not your employer.  We discuss this, as well as, how inflation affects your retirement plans, whether you should think of your home as a pension, and what you can do to increase your chances of a well funded retirement. </p><br><p>Nothing in this podcast is financial advice and when investing your capital is at risk. If you are unsure about what to do with your pension you should seek professional advice. </p><br><p>Get in touch: podcast@circa5000.com </p><br><p><br></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>This week we take another look at pensions and the generational shift in what people can expect in retirement.  Pensions have changed - generous defined benefit schemes are almost completely gone and defined contribution schemes put the risk of not having enough in retirement on you, not your employer.  We discuss this, as well as, how inflation affects your retirement plans, whether you should think of your home as a pension, and what you can do to increase your chances of a well funded retirement. </p><br><p>Nothing in this podcast is financial advice and when investing your capital is at risk. If you are unsure about what to do with your pension you should seek professional advice. </p><br><p>Get in touch: podcast@circa5000.com </p><br><p><br></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title><![CDATA[Ep30 - What's happened to Tesla? and Electric Vehicles' dirty secret ]]></title>
			<itunes:title><![CDATA[Ep30 - What's happened to Tesla? and Electric Vehicles' dirty secret ]]></itunes:title>
			<pubDate>Tue, 17 Jan 2023 05:00:00 GMT</pubDate>
			<itunes:duration>26:15</itunes:duration>
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			<acast:episodeUrl>whats-happened-to-tesla-and-electric-vehiclesdirty-secret</acast:episodeUrl>
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			<itunes:episode>30</itunes:episode>
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			<description><![CDATA[<p>This week we are looking at what has happened to Tesla - the stock has fallen over 70% and Elon Musk is now the first person in history to lose $200bn. We look at the lessons that can be learnt from this for long term impact investors. We also discuss the dirty supply chains of the electric vehicle industry and Tom promises to end the episode with some good news!</p><br><p>Youtube video we reference: https://youtu.be/CIWvk3gJ_7E </p><br><p>This podcast is not an invitation or recommendation to buy or sell and stock or fund. When investing your capital is at risk. This podcast is not financial advice.</p><br><p>Get in touch:</p><p>podcast@circa5000.com</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>This week we are looking at what has happened to Tesla - the stock has fallen over 70% and Elon Musk is now the first person in history to lose $200bn. We look at the lessons that can be learnt from this for long term impact investors. We also discuss the dirty supply chains of the electric vehicle industry and Tom promises to end the episode with some good news!</p><br><p>Youtube video we reference: https://youtu.be/CIWvk3gJ_7E </p><br><p>This podcast is not an invitation or recommendation to buy or sell and stock or fund. When investing your capital is at risk. This podcast is not financial advice.</p><br><p>Get in touch:</p><p>podcast@circa5000.com</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title><![CDATA[Ep29 - Is ESG woke or broke? Woke-washing, ESG & impact ]]></title>
			<itunes:title><![CDATA[Ep29 - Is ESG woke or broke? Woke-washing, ESG & impact ]]></itunes:title>
			<pubDate>Tue, 10 Jan 2023 05:00:12 GMT</pubDate>
			<itunes:duration>21:55</itunes:duration>
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			<itunes:episode>29</itunes:episode>
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			<description><![CDATA[<p>This week we are talking about the war on woke capitalism.  Why has ESG become such a politicized issue in the US?  Why is ESG being confused with "woke-washing"?  What does this all mean for the future of ESG and impact investing? </p><br><p>Nothing in this podcast is financial advice, when investing your capital is at risk. </p><br><p>Get in touch: </p><p>podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>This week we are talking about the war on woke capitalism.  Why has ESG become such a politicized issue in the US?  Why is ESG being confused with "woke-washing"?  What does this all mean for the future of ESG and impact investing? </p><br><p>Nothing in this podcast is financial advice, when investing your capital is at risk. </p><br><p>Get in touch: </p><p>podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Ep28 - Predictions for 2023</title>
			<itunes:title>Ep28 - Predictions for 2023</itunes:title>
			<pubDate>Sun, 01 Jan 2023 05:00:47 GMT</pubDate>
			<itunes:duration>25:42</itunes:duration>
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			<itunes:episode>28</itunes:episode>
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			<description><![CDATA[<p>Happy New Year!  Here are our predictions for 2023 - accuracy not guaranteed! </p><br><p>Nothing in this podcast is financial advice and when investing your capital is at risk </p><br><p>Get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>Happy New Year!  Here are our predictions for 2023 - accuracy not guaranteed! </p><br><p>Nothing in this podcast is financial advice and when investing your capital is at risk </p><br><p>Get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Ep27 - A review of 2022</title>
			<itunes:title>Ep27 - A review of 2022</itunes:title>
			<pubDate>Tue, 27 Dec 2022 05:00:00 GMT</pubDate>
			<itunes:duration>24:18</itunes:duration>
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			<acast:episodeUrl>ep-27-a-review-of-2022</acast:episodeUrl>
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			<itunes:episode>27</itunes:episode>
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			<description><![CDATA[<p>We take a look back at the major events that shaped financial markets in 2022.  </p><br><p>Nothing in this podcast is financial advice and when investing your capital is at risk </p><br><p>Get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>We take a look back at the major events that shaped financial markets in 2022.  </p><br><p>Nothing in this podcast is financial advice and when investing your capital is at risk </p><br><p>Get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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			<title>Ep26 - Finance tips from ChatGPT (And more things to do with your money in 2023)</title>
			<itunes:title>Ep26 - Finance tips from ChatGPT (And more things to do with your money in 2023)</itunes:title>
			<pubDate>Wed, 21 Dec 2022 05:00:33 GMT</pubDate>
			<itunes:duration>24:11</itunes:duration>
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			<itunes:episode>26</itunes:episode>
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			<description><![CDATA[<p>The second part of our top 10 tips for 2023.  We also look at whether ChatGPT can come up with better tips than us (you decide!) </p><br><p>As always when investing your capital is at risk and nothing in this podcast is financial advice.  </p><br><p>Get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>The second part of our top 10 tips for 2023.  We also look at whether ChatGPT can come up with better tips than us (you decide!) </p><br><p>As always when investing your capital is at risk and nothing in this podcast is financial advice.  </p><br><p>Get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Ep25 - 10 things to do with your money in 2023</title>
			<itunes:title>Ep25 - 10 things to do with your money in 2023</itunes:title>
			<pubDate>Tue, 13 Dec 2022 18:13:18 GMT</pubDate>
			<itunes:duration>20:56</itunes:duration>
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			<acast:episodeUrl>10-things-to-do-with-your-money-in-2023</acast:episodeUrl>
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			<itunes:season>1</itunes:season>
			<itunes:episode>25</itunes:episode>
			<itunes:image href="https://assets.pippa.io/shows/62b19b99ee9c090012a7b1f0/1655992685999-c9fa854a20f282dd3e45025da5ffc747.jpeg"/>
			<description><![CDATA[<p>We give (the first 5 of) our top 10 tips for what to do with your money in 2023. </p><br><p>Remember nothing in this podcast is financial advice and when investing your capital is at risk. </p><br><p>podcast@circa5000.com to get in touch </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>We give (the first 5 of) our top 10 tips for what to do with your money in 2023. </p><br><p>Remember nothing in this podcast is financial advice and when investing your capital is at risk. </p><br><p>podcast@circa5000.com to get in touch </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title><![CDATA[Ep24 - ESG inflows in the "year of pain"]]></title>
			<itunes:title><![CDATA[Ep24 - ESG inflows in the "year of pain"]]></itunes:title>
			<pubDate>Thu, 01 Dec 2022 19:18:36 GMT</pubDate>
			<itunes:duration>27:37</itunes:duration>
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			<itunes:episode>24</itunes:episode>
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			<description><![CDATA[<p>We take a brief look at what's happened to markets in 2022 with FT declaring it the 'year of pain'. We look at what has caused an negative year for both stocks and bonds and why greener funds have seen big inflows this year when non-ESG funds experienced outflows.</p><br><p>Remember when investing your capital is at risk and nothing in this podcast is financial advice.</p><br><p>Get in touch: podcast@circa5000.com</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>We take a brief look at what's happened to markets in 2022 with FT declaring it the 'year of pain'. We look at what has caused an negative year for both stocks and bonds and why greener funds have seen big inflows this year when non-ESG funds experienced outflows.</p><br><p>Remember when investing your capital is at risk and nothing in this podcast is financial advice.</p><br><p>Get in touch: podcast@circa5000.com</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title><![CDATA[Ep23 - Q&A - Is Elon Musk an impact hero? Can crypto be an impact investment? And more....]]></title>
			<itunes:title><![CDATA[Ep23 - Q&A - Is Elon Musk an impact hero? Can crypto be an impact investment? And more....]]></itunes:title>
			<pubDate>Wed, 23 Nov 2022 05:00:00 GMT</pubDate>
			<itunes:duration>28:49</itunes:duration>
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			<itunes:season>1</itunes:season>
			<itunes:episode>23</itunes:episode>
			<itunes:image href="https://assets.pippa.io/shows/62b19b99ee9c090012a7b1f0/1655992685999-c9fa854a20f282dd3e45025da5ffc747.jpeg"/>
			<description><![CDATA[<p>We're back for another Q&amp;A episode. We (attempt to) answer: What happened at COP? The lowest CO2 emitting world cup - is it real? What's the deal with the UK windfall tax? Is Elon Musk an impact hero or villain? and Can crypto be included in an impact investment portfolio?</p><br><p>As always please remember nothing in this podcast is financial advice and when investing your capital is at risk.</p><br><p>Get in touch podcast@circa5000.com</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>We're back for another Q&amp;A episode. We (attempt to) answer: What happened at COP? The lowest CO2 emitting world cup - is it real? What's the deal with the UK windfall tax? Is Elon Musk an impact hero or villain? and Can crypto be included in an impact investment portfolio?</p><br><p>As always please remember nothing in this podcast is financial advice and when investing your capital is at risk.</p><br><p>Get in touch podcast@circa5000.com</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Ep22 - Autumn Statement Reaction - Recession from Russia? Black hole from Britain? </title>
			<itunes:title>Ep22 - Autumn Statement Reaction - Recession from Russia? Black hole from Britain? </itunes:title>
			<pubDate>Thu, 17 Nov 2022 17:21:14 GMT</pubDate>
			<itunes:duration>27:59</itunes:duration>
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			<acast:episodeUrl>episode-22</acast:episodeUrl>
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			<itunes:episodeType>full</itunes:episodeType>
			<itunes:season>1</itunes:season>
			<itunes:episode>22</itunes:episode>
			<itunes:image href="https://assets.pippa.io/shows/62b19b99ee9c090012a7b1f0/1655992685999-c9fa854a20f282dd3e45025da5ffc747.jpeg"/>
			<description><![CDATA[<p>On the day of the Autumn Statement we take a look at the challenge Chancellor Jeremy Hunt faces in balancing growth, inflation and economic stability. We then watch the Autumn Statement and return with our reactions.</p><br><p>Remember when investing your capital is at risk - nothing in this podcast is financial or tax advice.  </p><br><p>Get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>On the day of the Autumn Statement we take a look at the challenge Chancellor Jeremy Hunt faces in balancing growth, inflation and economic stability. We then watch the Autumn Statement and return with our reactions.</p><br><p>Remember when investing your capital is at risk - nothing in this podcast is financial or tax advice.  </p><br><p>Get in touch: podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title><![CDATA[Ep21 - Will Rowe, Founder & CEO Octopus Hydrogen]]></title>
			<itunes:title><![CDATA[Ep21 - Will Rowe, Founder & CEO Octopus Hydrogen]]></itunes:title>
			<pubDate>Wed, 16 Nov 2022 00:15:19 GMT</pubDate>
			<itunes:duration>26:12</itunes:duration>
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			<link>https://shows.acast.com/circa5000/episodes/21-special-guest-will-rowe-founder-ceo-octopus-hydrogen</link>
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			<acast:episodeUrl>21-special-guest-will-rowe-founder-ceo-octopus-hydrogen</acast:episodeUrl>
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			<itunes:episode>21</itunes:episode>
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			<description><![CDATA[<p>Tom and Matt learn all about green hydrogen from Will Rowe, Founder and CEO of Octopus Hydrogen! </p><br><p>Book mentioned in the ep: The Hydrogen Economy https://tinyurl.com/y43427xw </p><br><p>Nothing in this episode is financial advice and when investing your capital is at risk </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>Tom and Matt learn all about green hydrogen from Will Rowe, Founder and CEO of Octopus Hydrogen! </p><br><p>Book mentioned in the ep: The Hydrogen Economy https://tinyurl.com/y43427xw </p><br><p>Nothing in this episode is financial advice and when investing your capital is at risk </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Ep20 - Copa-Cola, COP27 - 1.5 Dead or Alive? </title>
			<itunes:title>Ep20 - Copa-Cola, COP27 - 1.5 Dead or Alive? </itunes:title>
			<pubDate>Wed, 09 Nov 2022 11:02:47 GMT</pubDate>
			<itunes:duration>27:22</itunes:duration>
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			<acast:episodeUrl>episode-20-copa-cola-cop27-15-dead-or-alive</acast:episodeUrl>
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			<itunes:season>1</itunes:season>
			<itunes:episode>20</itunes:episode>
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			<description><![CDATA[<p>This week we discuss COP27 and what it means for impact investors and the climate.  Is the hope of restricting global temperature rises to 1.5 degrees dead or alive? </p><br><p>When investing your capital is at risk and nothing in this podcast is financial advice. </p><br><p>email: podcast@circa5000.com to get in touch. </p><p><br></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>This week we discuss COP27 and what it means for impact investors and the climate.  Is the hope of restricting global temperature rises to 1.5 degrees dead or alive? </p><br><p>When investing your capital is at risk and nothing in this podcast is financial advice. </p><br><p>email: podcast@circa5000.com to get in touch. </p><p><br></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title><![CDATA[Ep19 - What's with all the greenwashing?  Is ESG useless? ]]></title>
			<itunes:title><![CDATA[Ep19 - What's with all the greenwashing?  Is ESG useless? ]]></itunes:title>
			<pubDate>Thu, 03 Nov 2022 11:42:21 GMT</pubDate>
			<itunes:duration>24:05</itunes:duration>
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			<itunes:episode>19</itunes:episode>
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			<description><![CDATA[<p><strong>What’s with all the greenwashing? Is ESG useless?</strong></p><br><p>This week we are talking about greenwashing. We look at what it is and some recent examples. We focus in on the investment industry and what regulators and consumers are doing to try cut through the greenwashing. We go on to discuss ESG and whether it has any use at all!</p><br><p>Remember when investing your capital is at risk and nothing in this podcast is financial advice.</p><br><p>For more about CIRCA5000 see www.circa5000.com</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p><strong>What’s with all the greenwashing? Is ESG useless?</strong></p><br><p>This week we are talking about greenwashing. We look at what it is and some recent examples. We focus in on the investment industry and what regulators and consumers are doing to try cut through the greenwashing. We go on to discuss ESG and whether it has any use at all!</p><br><p>Remember when investing your capital is at risk and nothing in this podcast is financial advice.</p><br><p>For more about CIRCA5000 see www.circa5000.com</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Ep18 - Rishi Sunak - No Money, Mo Problems! </title>
			<itunes:title>Ep18 - Rishi Sunak - No Money, Mo Problems! </itunes:title>
			<pubDate>Tue, 25 Oct 2022 17:16:19 GMT</pubDate>
			<itunes:duration>21:58</itunes:duration>
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			<itunes:episode>18</itunes:episode>
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			<description><![CDATA[<p>Tom returns for Episode 18!  We're recording on the day that Rishi Sunak becomes the UK's latest Prime Minister.  We look back at how we got here and what the options for the new PM are when balancing growth, inflation and economic stability. </p><br><p>Rishi Sunak comes to power with the same (if not more) problems that the previous two Prime Ministers but with some lasting damage from the failed 'mini-budget'. </p><br><p>We look at the problems facing the UK in a global context and how the UK is specifically affected in some key areas.  We also ask is now the time for the UK to start Impact Investing in its own economy and what this all means for you as a long term impact investor. </p><br><p>Remember when investing your capital is at risk and nothing in this podcast is financial advice. </p><br><p>For more about CIRCA5000 see www.circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>Tom returns for Episode 18!  We're recording on the day that Rishi Sunak becomes the UK's latest Prime Minister.  We look back at how we got here and what the options for the new PM are when balancing growth, inflation and economic stability. </p><br><p>Rishi Sunak comes to power with the same (if not more) problems that the previous two Prime Ministers but with some lasting damage from the failed 'mini-budget'. </p><br><p>We look at the problems facing the UK in a global context and how the UK is specifically affected in some key areas.  We also ask is now the time for the UK to start Impact Investing in its own economy and what this all means for you as a long term impact investor. </p><br><p>Remember when investing your capital is at risk and nothing in this podcast is financial advice. </p><br><p>For more about CIRCA5000 see www.circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Ep17 - Jonathan Bland (A.K.A The Pension Geek)</title>
			<itunes:title>Ep17 - Jonathan Bland (A.K.A The Pension Geek)</itunes:title>
			<pubDate>Thu, 20 Oct 2022 09:37:24 GMT</pubDate>
			<itunes:duration>30:39</itunes:duration>
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			<acast:episodeUrl>17-special-guest-jonathan-bland-aka-the-pension-geek</acast:episodeUrl>
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			<itunes:episode>17</itunes:episode>
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			<description><![CDATA[<p>This week we welcome our first ever guest on the podcast - Jonathan Bland of Pension Geeks!  We hear the story of Pension Geeks and Pension Awareness Day.  We also talk about what the current economic climate means for pensions and how to deal with the 'Shoe box of Shame'! </p><br><p>Find out more at: </p><p>https://pensiongeeks.com/ </p><p>https://pensionawarenessday.com/ </p><br><p>Remember nothing in this podcast is financial advice and when investing your capital is at risk. </p><br><p>www.circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>This week we welcome our first ever guest on the podcast - Jonathan Bland of Pension Geeks!  We hear the story of Pension Geeks and Pension Awareness Day.  We also talk about what the current economic climate means for pensions and how to deal with the 'Shoe box of Shame'! </p><br><p>Find out more at: </p><p>https://pensiongeeks.com/ </p><p>https://pensionawarenessday.com/ </p><br><p>Remember nothing in this podcast is financial advice and when investing your capital is at risk. </p><br><p>www.circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Ep16 - Is it best to not invest? Divestment vs. Engagement </title>
			<itunes:title>Ep16 - Is it best to not invest? Divestment vs. Engagement </itunes:title>
			<pubDate>Thu, 13 Oct 2022 04:00:59 GMT</pubDate>
			<itunes:duration>19:17</itunes:duration>
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			<link>https://shows.acast.com/circa5000/episodes/episode-16-divest-like-the-best-or-engage-like-a-sage-divest</link>
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			<itunes:episode>16</itunes:episode>
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			<description><![CDATA[<p>Divestment on the rise - hitting $40tn in 2022 - driven by people campaigning organizations they are connected with e.g. universities, faith organizations, pension schemes.  But Bill Gates argues that “Divestment, to date, probably has reduced about zero tonnes of emissions".  </p><br><p>This week we are talking about divestment - the process of opting to not invest in areas such as fossil fuels.  We look at whether divestment is the best approach for impact investors or whether sticking with the big polluters and engaging with them to change is the best approach. </p><br><p>As always nothing in this podcast is financial advice and when investing your capital is at risk. </p><br><p>Go to www.circa5000.com to learn more about impact investing. </p><p>You can contact us at podcast@circa5000.com </p><br><p><br></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>Divestment on the rise - hitting $40tn in 2022 - driven by people campaigning organizations they are connected with e.g. universities, faith organizations, pension schemes.  But Bill Gates argues that “Divestment, to date, probably has reduced about zero tonnes of emissions".  </p><br><p>This week we are talking about divestment - the process of opting to not invest in areas such as fossil fuels.  We look at whether divestment is the best approach for impact investors or whether sticking with the big polluters and engaging with them to change is the best approach. </p><br><p>As always nothing in this podcast is financial advice and when investing your capital is at risk. </p><br><p>Go to www.circa5000.com to learn more about impact investing. </p><p>You can contact us at podcast@circa5000.com </p><br><p><br></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Ep15 - Bonus Episode - Blue Earth Summit Podcast - Matt and Tom Interview</title>
			<itunes:title>Ep15 - Bonus Episode - Blue Earth Summit Podcast - Matt and Tom Interview</itunes:title>
			<pubDate>Mon, 10 Oct 2022 20:26:25 GMT</pubDate>
			<itunes:duration>26:36</itunes:duration>
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			<acast:episodeUrl>bonus-episode</acast:episodeUrl>
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			<itunes:episode>15</itunes:episode>
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			<description><![CDATA[<p>In this Bonus Episode we share our interview with the Blue Earth Summit Podcast. </p><br><p>Remember nothing in this podcast is financial advice and when investing your capital is at risk</p><br><p>Their show notes: </p><p><strong>Summary&nbsp;</strong></p><br><p>Tom McGillycuddy and Matt Latham, Co-Founders of CIRCA5000 tell us how and why we should consider investing in sustainable businesses.&nbsp;</p><br><p><strong>Description</strong></p><br><p>“If you were trying to find the perfect company to invest in, you’d never make a single decision. There are always trade offs.”</p><br><p>Tom McGillycuddy and Matt Latham are Co-Founders of CIRCA5000, an impact investing app based in the UK. The pair created the app to make it easier for people to put their money into sustainable businesses, without it costing the earth and say they’re banking on a future that humanity features in.</p><br><p>The pair tell host Laura Nesbitt why everyone should care where they’re investing their money, they share their top tips on how beginner investors can get started and explain why CIRCA5000 gaining B Corp status was a huge milestone for their company.&nbsp;</p><br><p><strong>Links&nbsp;</strong></p><br><p>Follow CIRCA5000 on <a href="https://twitter.com/CIRCA5000" rel="noopener noreferrer" target="_blank">Twitter</a>.</p><p>Find out more at<a href="http://www.blueearthsummit.com/" rel="noopener noreferrer" target="_blank"> </a><a href="http://www.blueearthsummit.com" rel="noopener noreferrer" target="_blank">www.blueearthsummit.com</a>&nbsp;</p><p>Follow Blue Earth Summit on<a href="https://twitter.com/blueearthsummit" rel="noopener noreferrer" target="_blank"> Twitter</a>&nbsp;</p><p>Follow Blue Earth Summit on<a href="https://www.instagram.com/blueearthsummit%20" rel="noopener noreferrer" target="_blank"> Instagram</a></p><p>Follow Laura on<a href="https://www.instagram.com/lauraemmakate" rel="noopener noreferrer" target="_blank"> Instagram</a></p><br><p><strong>What is the Blue Earth Summit?</strong></p><p>Blue Earth Summit is a movement. A dynamic mix of communities, redefining how we work and driven by a love for the outdoors. A new way to connect and regenerate our connection to our blue earth.</p><p>With our eclectic Bristol venue partners the Marble Factory and The Wave, October 2022 will see an extended programme over three days. Two days of inspirational content in central Bristol followed by a final day of activity-led networking at one of Europe’s premier sporting venues.</p><p><a href="https://blueearthsummit.com/tickets/" rel="noopener noreferrer" target="_blank">Buy tickets here</a>."</p><br><p><br></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>In this Bonus Episode we share our interview with the Blue Earth Summit Podcast. </p><br><p>Remember nothing in this podcast is financial advice and when investing your capital is at risk</p><br><p>Their show notes: </p><p><strong>Summary&nbsp;</strong></p><br><p>Tom McGillycuddy and Matt Latham, Co-Founders of CIRCA5000 tell us how and why we should consider investing in sustainable businesses.&nbsp;</p><br><p><strong>Description</strong></p><br><p>“If you were trying to find the perfect company to invest in, you’d never make a single decision. There are always trade offs.”</p><br><p>Tom McGillycuddy and Matt Latham are Co-Founders of CIRCA5000, an impact investing app based in the UK. The pair created the app to make it easier for people to put their money into sustainable businesses, without it costing the earth and say they’re banking on a future that humanity features in.</p><br><p>The pair tell host Laura Nesbitt why everyone should care where they’re investing their money, they share their top tips on how beginner investors can get started and explain why CIRCA5000 gaining B Corp status was a huge milestone for their company.&nbsp;</p><br><p><strong>Links&nbsp;</strong></p><br><p>Follow CIRCA5000 on <a href="https://twitter.com/CIRCA5000" rel="noopener noreferrer" target="_blank">Twitter</a>.</p><p>Find out more at<a href="http://www.blueearthsummit.com/" rel="noopener noreferrer" target="_blank"> </a><a href="http://www.blueearthsummit.com" rel="noopener noreferrer" target="_blank">www.blueearthsummit.com</a>&nbsp;</p><p>Follow Blue Earth Summit on<a href="https://twitter.com/blueearthsummit" rel="noopener noreferrer" target="_blank"> Twitter</a>&nbsp;</p><p>Follow Blue Earth Summit on<a href="https://www.instagram.com/blueearthsummit%20" rel="noopener noreferrer" target="_blank"> Instagram</a></p><p>Follow Laura on<a href="https://www.instagram.com/lauraemmakate" rel="noopener noreferrer" target="_blank"> Instagram</a></p><br><p><strong>What is the Blue Earth Summit?</strong></p><p>Blue Earth Summit is a movement. A dynamic mix of communities, redefining how we work and driven by a love for the outdoors. A new way to connect and regenerate our connection to our blue earth.</p><p>With our eclectic Bristol venue partners the Marble Factory and The Wave, October 2022 will see an extended programme over three days. Two days of inspirational content in central Bristol followed by a final day of activity-led networking at one of Europe’s premier sporting venues.</p><p><a href="https://blueearthsummit.com/tickets/" rel="noopener noreferrer" target="_blank">Buy tickets here</a>."</p><br><p><br></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title><![CDATA[Ep14 - Q&A - Growth! Growth! Growth! Is economic growth the only way to save the world? and other questions...]]></title>
			<itunes:title><![CDATA[Ep14 - Q&A - Growth! Growth! Growth! Is economic growth the only way to save the world? and other questions...]]></itunes:title>
			<pubDate>Thu, 06 Oct 2022 13:28:16 GMT</pubDate>
			<itunes:duration>22:43</itunes:duration>
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			<itunes:episode>14</itunes:episode>
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			<description><![CDATA[<p>We are back with another Q&amp;A episode, we (attempt to) answer:</p><p>Is economic growth the only way to save the world?</p><p>With interest rates rising should I invest or pay down my mortgage?</p><p>When will markets calm down?</p><p>How do I work out what size pension I need to retire? </p><p>What happened to UK pension funds last week? </p><p>Are there any reasons to be positive right now? </p><br><p>As always nothing in this podcast is financial advice.  When investing your capital is at risk. </p><br><p>If you have questions or feedback you can get in touch podcast@circa5000.com.  Thanks for listening!</p><br><p><br></p><p><br></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>We are back with another Q&amp;A episode, we (attempt to) answer:</p><p>Is economic growth the only way to save the world?</p><p>With interest rates rising should I invest or pay down my mortgage?</p><p>When will markets calm down?</p><p>How do I work out what size pension I need to retire? </p><p>What happened to UK pension funds last week? </p><p>Are there any reasons to be positive right now? </p><br><p>As always nothing in this podcast is financial advice.  When investing your capital is at risk. </p><br><p>If you have questions or feedback you can get in touch podcast@circa5000.com.  Thanks for listening!</p><br><p><br></p><p><br></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Ep13 - Sterling takes a pounding</title>
			<itunes:title>Ep13 - Sterling takes a pounding</itunes:title>
			<pubDate>Wed, 28 Sep 2022 09:00:42 GMT</pubDate>
			<itunes:duration>18:52</itunes:duration>
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			<itunes:episodeType>full</itunes:episodeType>
			<itunes:season>1</itunes:season>
			<itunes:episode>13</itunes:episode>
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			<description><![CDATA[<p>After the recent mini budget in the UK sent the pound tumbling we take a look at what this means for long term impact investors.</p><br><p>podcast@circa5000.com</p><br><p>This podcast is not financial advice - when investing your capital is at risk. </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>After the recent mini budget in the UK sent the pound tumbling we take a look at what this means for long term impact investors.</p><br><p>podcast@circa5000.com</p><br><p>This podcast is not financial advice - when investing your capital is at risk. </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Ep12 - THE PENSIONS SPECIAL! </title>
			<itunes:title>Ep12 - THE PENSIONS SPECIAL! </itunes:title>
			<pubDate>Thu, 22 Sep 2022 04:00:58 GMT</pubDate>
			<itunes:duration>20:00</itunes:duration>
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			<itunes:episode>12</itunes:episode>
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			<description><![CDATA[<p>This week is the pensions special! We look at the scale of the 'missing pensions' problem in the UK. Talk about the benefits of pensions for long term saving and investing. Discuss the practical steps you can take to take control of your pension and find any missing money owed to you.  How you should think about pensions as a tool for making a positive impact.  We also shamelessly plug the CIRCA5000 tracing and transfer services. </p><br><p>When investing your capital is at risk.  Nothing in this podcast should be considered financial advice.  </p><br><p>As always you can get in touch at podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>This week is the pensions special! We look at the scale of the 'missing pensions' problem in the UK. Talk about the benefits of pensions for long term saving and investing. Discuss the practical steps you can take to take control of your pension and find any missing money owed to you.  How you should think about pensions as a tool for making a positive impact.  We also shamelessly plug the CIRCA5000 tracing and transfer services. </p><br><p>When investing your capital is at risk.  Nothing in this podcast should be considered financial advice.  </p><br><p>As always you can get in touch at podcast@circa5000.com </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title><![CDATA[Ep11 - Q&A - "Will Liz Truss make me rich?" ...and other questions!]]></title>
			<itunes:title><![CDATA[Ep11 - Q&A - "Will Liz Truss make me rich?" ...and other questions!]]></itunes:title>
			<pubDate>Thu, 15 Sep 2022 04:00:12 GMT</pubDate>
			<itunes:duration>24:11</itunes:duration>
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			<itunes:season>1</itunes:season>
			<itunes:episode>11</itunes:episode>
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			<description><![CDATA[<p>We are back after a break for holidays!  </p><br><p>This week we answer some of your questions: </p><p>How can I spot greenwashing? </p><p>Why is liquidity important if I'm a long term investor? </p><p>How can I tell if an investment is risky? </p><p>Should I stop paying into my pension during the cost of living crisis? </p><p>Will the new Prime Minister affect my investment portfolio? </p><br><p>As always you can get in touch podcast@circa5000.com </p><p>When investing your capital is at risk, nothing in this podcast is financial advice. </p><p><br></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>We are back after a break for holidays!  </p><br><p>This week we answer some of your questions: </p><p>How can I spot greenwashing? </p><p>Why is liquidity important if I'm a long term investor? </p><p>How can I tell if an investment is risky? </p><p>Should I stop paying into my pension during the cost of living crisis? </p><p>Will the new Prime Minister affect my investment portfolio? </p><br><p>As always you can get in touch podcast@circa5000.com </p><p>When investing your capital is at risk, nothing in this podcast is financial advice. </p><p><br></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Ep10 - The best time to start investing </title>
			<itunes:title>Ep10 - The best time to start investing </itunes:title>
			<pubDate>Thu, 25 Aug 2022 04:00:21 GMT</pubDate>
			<itunes:duration>25:24</itunes:duration>
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			<itunes:season>1</itunes:season>
			<itunes:episode>10</itunes:episode>
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			<description><![CDATA[<p>This week we try to answer the question "When's the best time to start investing?"</p><br><p>We first look at the reasons people don't invest:</p><p>There are other priorities e.g. debt / cost of living,&nbsp;Think they don't have enough money / you need a lot to invest, Worried that timing is wrong and investments will fall in value, They don’t understand how / think they need expertise.</p><br><p>We discuss where new (and old) investors can make mistakes and how thinking long term is the key to successful investing regardless of when you choose to start.</p><br><p>Remember you can get in touch at podcast@circa5000.com</p><br><p>This podcast is not financial advice - when investing your capital is at risk.</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>This week we try to answer the question "When's the best time to start investing?"</p><br><p>We first look at the reasons people don't invest:</p><p>There are other priorities e.g. debt / cost of living,&nbsp;Think they don't have enough money / you need a lot to invest, Worried that timing is wrong and investments will fall in value, They don’t understand how / think they need expertise.</p><br><p>We discuss where new (and old) investors can make mistakes and how thinking long term is the key to successful investing regardless of when you choose to start.</p><br><p>Remember you can get in touch at podcast@circa5000.com</p><br><p>This podcast is not financial advice - when investing your capital is at risk.</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title><![CDATA[Ep9 - It's not all about climate change]]></title>
			<itunes:title><![CDATA[Ep9 - It's not all about climate change]]></itunes:title>
			<pubDate>Thu, 18 Aug 2022 04:00:56 GMT</pubDate>
			<itunes:duration>23:47</itunes:duration>
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			<itunes:episode>9</itunes:episode>
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			<description><![CDATA[<p>This week we talk about the other side of impact investing.  The people side of investing for both people and planet. </p><p>We lift the lid on two work in progress themes we are developing in the areas of Health and Wellbeing and Social &amp; Economic Empowerment. </p><p>We we look at both the investment case and impact case for investing in both areas, the types of companies that might fall into these investment themes and how to judge an investment's positive impact vs potential negative outcomes. </p><br><p>As always please get in touch on podcast@circa5000.com </p><br><p>Nothing in this podcast is financial advice and when investing your capital is at risk. </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>This week we talk about the other side of impact investing.  The people side of investing for both people and planet. </p><p>We lift the lid on two work in progress themes we are developing in the areas of Health and Wellbeing and Social &amp; Economic Empowerment. </p><p>We we look at both the investment case and impact case for investing in both areas, the types of companies that might fall into these investment themes and how to judge an investment's positive impact vs potential negative outcomes. </p><br><p>As always please get in touch on podcast@circa5000.com </p><br><p>Nothing in this podcast is financial advice and when investing your capital is at risk. </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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		<item>
			<title>Ep8 - The most powerful man in the world (Part 2)</title>
			<itunes:title>Ep8 - The most powerful man in the world (Part 2)</itunes:title>
			<pubDate>Thu, 11 Aug 2022 04:03:29 GMT</pubDate>
			<itunes:duration>33:50</itunes:duration>
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			<description><![CDATA[<p>In Part 2 - we look at the Inflation Reduction Bill again - now it has passed the Senate vote.  What it means for climate change and faith in politics.  We also discuss the influence of Joe Manchin again and how his relationship to big oil has set the course of US policy on climate.  </p><p>In light of this we discuss a BBC documentary series called 'Big Oil vs the World' which looks at the history of big oil companies using their influence in politics, science and the media to deny, cast doubt on and delay action against climate change over the past 50 years.</p><p>We then reflect on the positives we can take and how recent and historic events could be viewed in the context of long term impact investing. </p><br><p>Nothing in this podcast is financial advice - when investing your capital is at risk. </p><br><p>Email: podcast@circa5000.com</p><p> </p><p><br></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>In Part 2 - we look at the Inflation Reduction Bill again - now it has passed the Senate vote.  What it means for climate change and faith in politics.  We also discuss the influence of Joe Manchin again and how his relationship to big oil has set the course of US policy on climate.  </p><p>In light of this we discuss a BBC documentary series called 'Big Oil vs the World' which looks at the history of big oil companies using their influence in politics, science and the media to deny, cast doubt on and delay action against climate change over the past 50 years.</p><p>We then reflect on the positives we can take and how recent and historic events could be viewed in the context of long term impact investing. </p><br><p>Nothing in this podcast is financial advice - when investing your capital is at risk. </p><br><p>Email: podcast@circa5000.com</p><p> </p><p><br></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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		<item>
			<title>Ep7 - The most powerful man in the world (Part 1)</title>
			<itunes:title>Ep7 - The most powerful man in the world (Part 1)</itunes:title>
			<pubDate>Thu, 04 Aug 2022 04:01:34 GMT</pubDate>
			<itunes:duration>23:40</itunes:duration>
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			<description><![CDATA[<p>This week has been a good week for Big Oil and the Climate… </p><br><p>In this episode we discuss record breaking profit for oil companies, we also talk about the Inflation Reduction Act - the largest package of funding for climate change initiatives in US history that also promises to solve inflation. </p><br><p>We look at the history of the bill - and how the climate spend has been negotiated down due to the nature of the US political system and we reveal who we think is currently ‘the most powerful man in the world’! </p><br><p>We dig in to the good, the not so good about the bill and what we actually think it will do to bring down carbon emissions - and put this into context of the 51bn tCo2 net zero target. </p><br><p>This is part 1 of a 2 part episode, next time we will look at why and how Big Oil tries to maintain its position in a world facing an increasingly urgent need to transition to cleaner sources of energy.  And we will put the Inflation Reduction Act and the politics into context for you - as a long term impact investor. </p><br><p>As always this podcast is not financial advice and when investing your capital is at risk. </p><br><p>Get in touch: podcast@circa5000.com</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>This week has been a good week for Big Oil and the Climate… </p><br><p>In this episode we discuss record breaking profit for oil companies, we also talk about the Inflation Reduction Act - the largest package of funding for climate change initiatives in US history that also promises to solve inflation. </p><br><p>We look at the history of the bill - and how the climate spend has been negotiated down due to the nature of the US political system and we reveal who we think is currently ‘the most powerful man in the world’! </p><br><p>We dig in to the good, the not so good about the bill and what we actually think it will do to bring down carbon emissions - and put this into context of the 51bn tCo2 net zero target. </p><br><p>This is part 1 of a 2 part episode, next time we will look at why and how Big Oil tries to maintain its position in a world facing an increasingly urgent need to transition to cleaner sources of energy.  And we will put the Inflation Reduction Act and the politics into context for you - as a long term impact investor. </p><br><p>As always this podcast is not financial advice and when investing your capital is at risk. </p><br><p>Get in touch: podcast@circa5000.com</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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		<item>
			<title><![CDATA[Ep6 - Inflation, dinosaurs, fossil fuels & nuclear]]></title>
			<itunes:title><![CDATA[Ep6 - Inflation, dinosaurs, fossil fuels & nuclear]]></itunes:title>
			<pubDate>Tue, 26 Jul 2022 19:23:32 GMT</pubDate>
			<itunes:duration>34:30</itunes:duration>
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			<itunes:episode>6</itunes:episode>
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			<description><![CDATA[<p>Its Episode 6! We've gone all in and moved to the Liverpool Podcast Studios to improve sound quality - hopefully our new found professionalism shines through.</p><br><p>We start off by discussing the front page of The Economist which declares that 'ESG' is 'Three letters that won't save the world'.</p><p>The article is discussed on this episode of The Economist podcast: https://open.spotify.com/episode/4jK2OdWmluRGXdYb69KCaa?si=333b81cd420d4839</p><br><p>We also discuss whether inflation means it's time to give up on trying to have a positive impact when investing, inspired / provoked by this video:</p><p>https://view.vzaar.com/2139561046/player?GAOn=true</p><br><p>We then discuss inflation - which is dominating markets and financial news.</p><p>We look at what inflation is. What is causing high inflation. What it means for energy security, nuclear and what high oil prices mean for impact investors.</p><br><p>We end by summarising what we think high inflation means for long term impact investors.</p><br><p>As always we'd love to hear from you: podcast@circa5000.com</p><br><p>When investing your capital is at risk and this podcast is not financial advice.</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>Its Episode 6! We've gone all in and moved to the Liverpool Podcast Studios to improve sound quality - hopefully our new found professionalism shines through.</p><br><p>We start off by discussing the front page of The Economist which declares that 'ESG' is 'Three letters that won't save the world'.</p><p>The article is discussed on this episode of The Economist podcast: https://open.spotify.com/episode/4jK2OdWmluRGXdYb69KCaa?si=333b81cd420d4839</p><br><p>We also discuss whether inflation means it's time to give up on trying to have a positive impact when investing, inspired / provoked by this video:</p><p>https://view.vzaar.com/2139561046/player?GAOn=true</p><br><p>We then discuss inflation - which is dominating markets and financial news.</p><p>We look at what inflation is. What is causing high inflation. What it means for energy security, nuclear and what high oil prices mean for impact investors.</p><br><p>We end by summarising what we think high inflation means for long term impact investors.</p><br><p>As always we'd love to hear from you: podcast@circa5000.com</p><br><p>When investing your capital is at risk and this podcast is not financial advice.</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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		<item>
			<title>Ep5 - HEATWAVE SPECIAL! (Investing for a cooler future...)</title>
			<itunes:title>Ep5 - HEATWAVE SPECIAL! (Investing for a cooler future...)</itunes:title>
			<pubDate>Tue, 19 Jul 2022 11:13:55 GMT</pubDate>
			<itunes:duration>22:17</itunes:duration>
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			<itunes:episode>5</itunes:episode>
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			<description><![CDATA[<p>Welcome to Episode 5 - A.K.A The Heatwave Special!!</p><p>In this episode, as UK temperatures reach new record highs we ask 'can impact investing create a cooler future?' </p><p>We run through a quick reminder of what the purpose of impact investing is.  We discuss the scale of the climate problem and the cost to solve it. </p><p>We then look at the obvious, and not so obvious, areas that you could invest in as an individual.  And what the actual impact you have is when you invest your money. </p><p>As always - email podcast@circa5000.com with feedback / questions. </p><br><p>When investing your capital is at risk and this podcast is not financial advice. </p><br><p>Books we reference: </p><p>Bill Gates - How to Avoid a Climate Disaster </p><p>Rowan Hooper - How to spend a Trillion Dollars </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>Welcome to Episode 5 - A.K.A The Heatwave Special!!</p><p>In this episode, as UK temperatures reach new record highs we ask 'can impact investing create a cooler future?' </p><p>We run through a quick reminder of what the purpose of impact investing is.  We discuss the scale of the climate problem and the cost to solve it. </p><p>We then look at the obvious, and not so obvious, areas that you could invest in as an individual.  And what the actual impact you have is when you invest your money. </p><p>As always - email podcast@circa5000.com with feedback / questions. </p><br><p>When investing your capital is at risk and this podcast is not financial advice. </p><br><p>Books we reference: </p><p>Bill Gates - How to Avoid a Climate Disaster </p><p>Rowan Hooper - How to spend a Trillion Dollars </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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		<item>
			<title>Ep4 - Can you be a passive impact investor?</title>
			<itunes:title>Ep4 - Can you be a passive impact investor?</itunes:title>
			<pubDate>Thu, 14 Jul 2022 15:27:02 GMT</pubDate>
			<itunes:duration>26:08</itunes:duration>
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			<itunes:episode>4</itunes:episode>
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			<description><![CDATA[<p>In this episode we discuss whether it is possible to be a 'passive' impact investor. </p><p>We take a deeper look at ETFs as a way of impact investing.  We explain the 'nuts and bolts' of using ETFs to invest for yourself.  </p><p>We look at the difference between 'passive' and 'active' investing as an impact investor. </p><p>And examine the difference between ESG vs Impact ETFs</p><p>We also look at how you can be an activist investor through both actively and passively investing. </p><br><p>Remember this podcast is not financial advice.  Investment products including ETFs carry risk and when investing your capital is at risk. </p><br><p>If you have any questions or feedback please email podcast@circa5000.com</p><br><p><br></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>In this episode we discuss whether it is possible to be a 'passive' impact investor. </p><p>We take a deeper look at ETFs as a way of impact investing.  We explain the 'nuts and bolts' of using ETFs to invest for yourself.  </p><p>We look at the difference between 'passive' and 'active' investing as an impact investor. </p><p>And examine the difference between ESG vs Impact ETFs</p><p>We also look at how you can be an activist investor through both actively and passively investing. </p><br><p>Remember this podcast is not financial advice.  Investment products including ETFs carry risk and when investing your capital is at risk. </p><br><p>If you have any questions or feedback please email podcast@circa5000.com</p><br><p><br></p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Ep3 - Impact Investing</title>
			<itunes:title>Ep3 - Impact Investing</itunes:title>
			<pubDate>Tue, 05 Jul 2022 11:09:04 GMT</pubDate>
			<itunes:duration>28:28</itunes:duration>
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			<description><![CDATA[<p>In another unplanned / unscripted and unedited episode we discuss: </p><br><p>What is impact investing</p><p>What is the argument for making money and having a positive impact at the same time</p><p>ESG - and why it isn't impact investing </p><p>Greenwashing </p><p>And how you should think about balancing impact with what you need personally from your investments e.g. risk, access etc </p><br><p>As always we'd love to hear from you at podcast@circa5000.com </p><br><p>This podcast is not financial advice and when investing your capital is at risk </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>In another unplanned / unscripted and unedited episode we discuss: </p><br><p>What is impact investing</p><p>What is the argument for making money and having a positive impact at the same time</p><p>ESG - and why it isn't impact investing </p><p>Greenwashing </p><p>And how you should think about balancing impact with what you need personally from your investments e.g. risk, access etc </p><br><p>As always we'd love to hear from you at podcast@circa5000.com </p><br><p>This podcast is not financial advice and when investing your capital is at risk </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
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			<title>Ep2 - The 4 things you need to know about investing</title>
			<itunes:title>Ep2 - The 4 things you need to know about investing</itunes:title>
			<pubDate>Tue, 28 Jun 2022 17:30:12 GMT</pubDate>
			<itunes:duration>23:52</itunes:duration>
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			<itunes:season>1</itunes:season>
			<itunes:episode>2</itunes:episode>
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			<description><![CDATA[<p>In this episode we discuss in more detail the four key parts of investing (as we see it)... </p><br><p>1) Think long term </p><p>2) Invest regularly </p><p>3) Diversify </p><p>4) Make an impact </p><br><p>Please share your thoughts / feedback / comments to podcast@circa5000.com</p><br><p>Thanks, </p><p>Matt &amp; Tom </p><br><p>This podcast is not financial advice and when investing your capital is at risk. </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>In this episode we discuss in more detail the four key parts of investing (as we see it)... </p><br><p>1) Think long term </p><p>2) Invest regularly </p><p>3) Diversify </p><p>4) Make an impact </p><br><p>Please share your thoughts / feedback / comments to podcast@circa5000.com</p><br><p>Thanks, </p><p>Matt &amp; Tom </p><br><p>This podcast is not financial advice and when investing your capital is at risk. </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Episode 1 - Intro</title>
			<itunes:title>Episode 1 - Intro</itunes:title>
			<pubDate>Tue, 28 Jun 2022 16:11:49 GMT</pubDate>
			<itunes:duration>7:02</itunes:duration>
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			<itunes:episode>1</itunes:episode>
			<itunes:image href="https://assets.pippa.io/shows/62b19b99ee9c090012a7b1f0/1655992685999-c9fa854a20f282dd3e45025da5ffc747.jpeg"/>
			<description><![CDATA[<p>We thought we would give an introduction to the podcast and invite you to send your feedback both positive and negative to podcast@circa5000.com! </p><br><p>Let us know what you would like to cover in future episodes or if you would like us to pack it in.  Our marketing team would like us to make it clear that they have had no part in this low quality production!  (Except for Jen that we roped in to recording the intro / outro) </p><br><p>Thanks, </p><p>Matt &amp; Tom </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[<p>We thought we would give an introduction to the podcast and invite you to send your feedback both positive and negative to podcast@circa5000.com! </p><br><p>Let us know what you would like to cover in future episodes or if you would like us to pack it in.  Our marketing team would like us to make it clear that they have had no part in this low quality production!  (Except for Jen that we roped in to recording the intro / outro) </p><br><p>Thanks, </p><p>Matt &amp; Tom </p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
		</item>
		<item>
			<title>Trailer</title>
			<itunes:title>Trailer</itunes:title>
			<pubDate>Tue, 28 Jun 2022 15:12:05 GMT</pubDate>
			<itunes:duration>0:35</itunes:duration>
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			<itunes:episodeType>trailer</itunes:episodeType>
			<itunes:season>1</itunes:season>
			<itunes:episode>1</itunes:episode>
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			<description><![CDATA[Impact Investing from CIRCA5000 - podcast trailer<hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></description>
			<itunes:summary><![CDATA[Impact Investing from CIRCA5000 - podcast trailer<hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>]]></itunes:summary>
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		<itunes:category text="Business">
			<itunes:category text="Investing"/>
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    	<itunes:category text="Education"/>
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