Explorez tous les épisodes du podcast Many Happy Returns
| Titre | Date | Durée | |
|---|---|---|---|
| Boom and Bust: Ranking the Biggest Bubbles in History | 28 Aug 2024 | 00:49:34 | |
Asset bubbles are an occasional, inevitable, and sometimes devastating feature of financial markets, making and breaking fortunes along the way. But what is the greatest bubble of all time? And in today’s Dumb Question of the Week: Are markets rational? --- Thank you to Trading 212 for sponsoring this episode. Claim free fractional shares worth up to £100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link: Sponsored Link. Terms apply - trading212.com/join/RAMIN When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. Terms and fees apply. --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| The Default Pension Trap: What to Consider BEFORE You Switch Pension | 21 Aug 2024 | 00:39:40 | |
Nine out of ten people are invested in their employer’s default pension strategy. However, a hands-off approach might not suit your personal circumstances, goals, or risk appetite. So, what should you consider before switching your pension? And in today’s Dumb Question of the Week: Is it worth filling gaps in your National Insurance record? --- Thank you to Trading 212 for sponsoring this episode. Claim free fractional shares worth up to £100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link: Sponsored Link. Terms apply - trading212.com/join/RAMIN When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. Terms and fees apply. --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Will A Labour Government Be Good For Investors? | 19 Jun 2024 | 00:43:56 | |
Labour is 20 points ahead in the polls and looks set to form the next UK government. But how will their economic, tax and spending plans impact investors? We look at the promises included in Labour’s manifesto and what was left unsaid. And in today’s Dumb Question of the Week: Why are capital gains taxed at a lower rate than income? --- Thank you to Trading 212 for sponsoring this episode. Claim free fractional shares worth up to £100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link: Sponsored Link. Terms apply - trading212.com/join/RAMIN When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. Terms and fees apply. --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Is it dumb to invest in IPOs? | 31 Aug 2022 | 00:44:35 | |
This episode is sponsored by NOA: Click here to get a free month of NOA premium. 2021 was a record year for initial public offerings. More than 3,000 companies listed on global stock markets and raised over $600 billion in the process. Companies such as Coinbase, Roblox and Rivian each pulled in more than 10 billion dollars. Exciting times! But since going public, many companies have seen their stock price plunge, leaving investors to wonder: Are IPOs a good investment? And in today’s Dumb Question of the Week, we ask: Am I missing out by not investing in private companies? Selected links
--- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Investing in China: Year of the Bear? | 24 Aug 2022 | 00:43:57 | |
This episode is sponsored by NOA: Click here to get a free month of NOA premium. Few topics divide opinion more than investing in China. The incredible growth. The ethical dilemmas. The disappointing returns. This week we look at the big economic and political developments in China and whether now is the time to buy Chinese equity. What opportunities and risks confront investors? And how should we think about Chinese stocks in the context of our portfolios? And in today’s Dumb Question of the Week: What happens if Chinese stocks are delisted from the New York Stock Exchange? --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Currency fluctuations: Take the hedge off? | 17 Aug 2022 | 00:42:04 | |
This episode is sponsored by NOA: Click here to get a free month of NOA premium. This year has seen remarkable shifts in currency markets, with the US Dollar reaching a 20 year high and parity with the Euro. We discuss the factors that drive exchange rates and the implications of a strong US dollar on trade, growth and our investments. And in today’s Dumb Question of the Week, we ask: Should you currency hedge your investments? Selected links
--- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Is inflation rigged? | 10 Aug 2022 | 00:40:47 | |
The cost of living always attracts controversy, even before the current surge in prices. Many people believe that the true rate of inflation is consistently far higher than the official stats suggest. But is there any evidence to back up these claims? We discuss the nuances of how inflation is calculated and whether the changes made in the 1980s and 1990s have lowered official inflation numbers, as claimed by websites such as ShadowStats. And what impact does it have on investors? And in today’s Dumb Question of the Week: Why does the Fed look at Core PCE inflation rather than CPI? Doesn’t it care about food and energy prices? Selected links
--- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Baby Buffett: How to invest for children | 03 Aug 2022 | 00:44:52 | |
Kids are sometimes hard-work, often fun, and always expensive. But due to the magic of compounding, a small amount of money invested when they are young can grow into a substantial nest egg for later in life. We discuss how much to set aside, what to put in their portfolio, and how to keep them from blowing the cash as soon as they turn 18. And in today’s Dumb Question of the Week, we ask: Is government debt effectively stealing from future generations? --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Pessimists sound smart. Optimists make money. | 27 Jul 2022 | 00:43:17 | |
Does it pay to be an optimist? Volatile financial markets and flaws in human psychology can cause many investors to be unduly pessimistic. Yet, remaining an optimist - and remaining invested - is the surest way to achieve the unrivalled long-term returns of the stock market. Today, we discuss why optimism about investing is not only desirable but rational. And how to spot biases and alarmist thinking that can lead to destructive behaviour. And in today’s Dumb Question of the Week, we ask: Why hold any bonds at all? Selected links | |||
| The Weirdest ETFs: Moats, Goats and YOLO | 20 Jul 2022 | 00:47:18 | |
VICE. UFO. COW. Welcome to the weird world of niche ETFs. Exchange Traded Funds are an easy way for investors to buy into a basket of stocks. The last few years has seen a proliferation of ETFs that offer investors different indices, themes, and strategies. We discuss which of these funds is worth our time, in what environments they might outperform, and how best to incorporate them in our portfolio. And in today’s Dumb Question of the Week, we ask: What’s the difference between ETFs and ETNs? --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| The Big Shortage: What happens if Russia turns off the gas? | 13 Jul 2022 | 00:42:16 | |
Natural gas is critical to the functioning of the European economy, used in everything from heating homes to powering industry. Russia is the continent's biggest gas supplier, and many analysts fear that President Putin might be about to turn off the gas taps. The impact of such a move could be profound, with the German Economy Minister warning of the potential for a “Lehman Brothers” moment. We look at how likely it is to happen, what the fallout could be, and what could it mean for our investments? And in today’s Dumb Question of the Week, we ask: What is a black swan event? --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Leverage: No margin for error | 06 Jul 2022 | 00:39:17 | |
Leverage is borrowing money to invest. It can boost your returns in good times and amplify your losses when the market turns against you. This week we look at the different types of leveraged investments and how to employ them. We discuss the pros and cons of investing with margin loans, leveraged ETFs, and options. And the surprising evidence for using leverage to reduce retirement risk... And in today’s Dumb Question of the Week: "If your broker sells your stocks in a margin call, can you be left owing more money than you invested?" Selected links
--- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Government bonds just got interesting | 29 Jun 2022 | 00:37:39 | |
Government bonds are considered the steady - perhaps even boring - investment class. But this year has seen the biggest bond crash in a generation, as inflation runs wild and central banks pretend not to panic. As if things weren’t interesting enough, the European Central Bank is concocting a new wheeze to keep bond spreads in check, the Bank of Japan is printing record-breaking amounts of money, and Russia has defaulted on its debt. We try to make sense of all this and wonder whether now might be the time to buy government bonds? And if so, which ones? And in today’s Dumb Question of the Week: Why don't governments issue perpetual bonds? --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Interest Rate Cuts: Coming to a Central Bank Near You? | 12 Jun 2024 | 00:32:10 | |
Central banks in Europe and Canada cut interest rates for the first time since the pandemic, lowering borrowing costs and kicking off the easing cycle. Are the Bank of England and the Federal Reserve about to join them? And in today’s Dumb Question of the Week: Does it matter if inflation stays above 2%? --- Thank you to Trading 212 for sponsoring this episode. Claim free fractional shares worth up to £100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link: Sponsored Link. Terms apply - trading212.com/join/RAMIN When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. Terms and fees apply. --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Market timing: Signs of the top and bottom | 22 Jun 2022 | 00:53:43 | |
This year the S&P 500 has fallen over 23%. With the benefit of hindsight, what were the clues that we had reached the top at the start of 2022? And what could indicate the market has now reached a bottom and is about to resume its upward drift? Accepted wisdom says that what matters is “time in the market, not timing the market.” Is this always true? And how does it affect how we invest? And in today’s Dumb Question of the Week, we ask "When stock prices fall, where does the money go?" Selected links--- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| UK Stocks: No tech please, we're British | 15 Jun 2022 | 00:40:13 | |
The UK stock market has lagged global indices over the past decade and struggled to attract new companies. We look at the reasons for the underperformance and the prospects for the future. We discuss the sector composition of the UK market, with its crucial underweight in technology companies, as well as whether the dividend investing culture at many UK equity funds holds back business investment and growth. And in today's Dumb Question of the Week, we ask "How can a stock be listed on two exchanges and does it matter which one I buy?" --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| This is the new oil... honest. | 08 Jun 2022 | 00:47:09 | |
For decades, oil has held a critical and unique place in the global economy. Many commodities are claimed to be “the new oil” for their importance in the modern world. But are these claims mere soundbites or do they indicate the emergence of new strategic commodities? We discuss the prospects for claims ranging from tech innovations like data and artificial intelligence to natural resources like copper and gas. For each, we ask are these really going to be the "new oil?" And if so, how can we best position ourselves as investors? And in today’s Dumb Question of the Week, we look at “How did the price of oil go negative in 2020?” Selected links
--- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| What is risk? | 01 Jun 2022 | 00:51:25 | |
There are many different risks we have to navigate as investors, from the volatility of markets to collapsing companies to our own behaviour. How we choose to respond to these risks is ultimately what will determine our success in building and preserving our wealth. This week we dig into the different types of investment risk, how best to measure and quantify them, and what strategies we can employ to protect our portfolios. And in the Dumb Question of the Week, we ask "What happens if my broker goes bankrupt?" --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| How earnings season moves stock markets | 25 May 2022 | 00:48:07 | |
The S&P 500 has fallen to the brink of a bear market, with companies severely punished for missing their earnings forecasts. The price-to-earnings multiple has declined and market prospects look uncertain. The question everyone is asking is ‘what comes next?' We look into whether the S&P 500 is now at fair value? What events could trigger a stock market crash? And whether bonds will successfully hedge equity going forward? And in the Dumb Question of the Week, we ask: Why do people still reference the Dow Jones industrial average? Selected links--- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Stablecoin collapse: The horse has bolted | 18 May 2022 | 00:47:16 | |
Stablecoins are a core part of the financial plumbing when it comes to cryptocurrency and digital assets. They promise that if you put a dollar in, you will always be able to get a dollar out. But last week saw Terra, one of the largest stablecoins, lose its peg to the dollar and collapse. Investors are estimated to have lost over $40 billion in value. Ouch. We dig into what happened, what might be the consequences for markets and whether stablecoins present a systemic risk to the economy. And in the Dumb Question of the Week, we ask: What exactly is a Ponzi scheme? --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Stock Market Myths | 11 May 2022 | 00:43:43 | |
Myth-busting popular sayings, cliches and folk wisdom about the stock market and investing. We discuss "sell in May and go away", dividend investing, and "buy the dip." Ramin also let's loose on Technical Analysis and the dependability of vomiting camels. In the Dumb Question of the Week, we ask: Are credit ratings useless? --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Warren Buffett: Is the magic back? | 04 May 2022 | 00:35:36 | |
The Berkshire Hathaway annual meeting is often referred to as the Woodstock of Capitalism, where legendary investors Warren Buffett and Charlie Munger opine on the state of markets and investing. The 2022 meeting took place this weekend, with as many interesting nuggets of wisdom and controversy as ever. We discuss Berkshire ramping up their stock purchases and running down their cash pile, the companies they've bought into, and Buffett's opinions on everything from inflation to bitcoin. And we answer the Dumb Question of the Week: How accurate is the forward Price-to-Earnings ratio, given it relies on analyst forecasts? --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Should you hedge your investments against inflation? | 27 Apr 2022 | 00:43:11 | |
Many different assets are touted as potential inflation hedges but which ones actually work? People often make the case for inflation-linked bonds, gold, commodities... but how do we know how each asset class will respond in a period of high inflation? When does it make sense for us to hedge? What risks are involved and what impact does it have on our long-term investment returns? In today's Dumb Question of the Week, we ask: What does it mean to say the Fed is behind the curve? --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Emerging Markets: Is it time to invest? | 20 Apr 2022 | 00:43:17 | |
Emerging Markets promised investors better returns and broader diversification. But growth has stalled in recent years, with heightened volatility and uncertainty. This week we look at what risks and opportunities are involved with investing in Emerging Markets and what role they should play in our portfolio. We discuss the unique position of China, the impact of tighter Fed monetary policy on developing countries, and the distinction between Emerging and Frontier markets. And in today's Dumb Question of the Week, we ask: How do ETFs actually work? --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Trade Wars: How Will Tariffs on China Impact Your Investments? | 05 Jun 2024 | 00:39:06 | |
Should investors fear the escalating trade war between the world’s two biggest economies? US President Joe Biden recently announced a slew of new tariffs on Chinese imports, including a massive 100% charge on electric vehicles. What comes next? And in today's Dumb Question of the Week: Is China uninvestable? ___ Thank you to Trading 212 for sponsoring this episode. Claim free fractional shares worth up to £100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link: Sponsored Link. Terms apply - trading212.com/join/RAMIN When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. Terms and fees apply. --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Could house prices crash? | 13 Apr 2022 | 00:45:03 | |
House prices in the UK are up by 10% year on year, with similar rises in much of the western world. What has caused this runaway growth in prices? And what could cause it to reverse? We look to interest rates, supply constraints, government policy and wage growth for the answer. Could the market be in for a fall or is it poised just to keep on rising? In the Dumb Question of the Week, we ask: Why does infinite money printing not inevitably lead to high inflation? --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| How much is enough? | 06 Apr 2022 | 00:37:04 | |
How much money do you need to invest to live the life you want? How much can you safely withdraw from a portfolio each year? And how do you ensure you don't run out of money in retirement? What really makes us happy? What role does money play in our happiness and how do we approach investing for our future? And in today's Dumb Question of the Week, we ask: Does passive investing distort markets? --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Meme Reversion | 30 Mar 2022 | 00:39:03 | |
Meme stocks are on the rise again, with GameStop and AMC leading the charge again over the past week. We look back at the crazy month of January 2021 to understand what caused meme stocks to gain over 2,000%, before falling back just as sharply. How did the short squeeze on hedge funds work? What effect did Wall Street Bets and social media have? And what does the future hold for these stocks? In the Dumb Question of the Week, we ask what it means to say something is "priced in" to markets. --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| In the Toilet: Macroeconomic indicators | 23 Mar 2022 | 00:47:48 | |
Which macroeconomic indicators should we look at to understand where markets are heading? How important are labour market indicators such as nonfarm payrolls, initial jobless claims and the unemployment rate? And what impact do housing and credit market indicators - such as the senior loan officers survey - have on markets? How do these different data points influence federal reserve policy and the wider economy? In this week's Dumb Question of the Week, we ask: Does global equity always rise in the long term? And if so, why? Selected links--- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Bear in Mind: Cognitive bias in investing | 16 Mar 2022 | 00:40:08 | |
Cognitive biases can impair investment decisions and cause us to make costly mistakes. We discuss the different biases, how to mitigate their impact, and even how to profit from bias in the market. We discuss loss aversion, the endowment effect, anchoring bias, the bandwagon effect, survivorship bias, and confirmation bias. In the Dumb Question of the Week, we ask: When should you cut your losses on an investment that keeps falling? --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Russian for the Exits | 09 Mar 2022 | 00:45:51 | |
How will sanctions on Russia affect markets? Western governments have imposed unprecedented economic sanctions on Russia for its invasion of Ukraine. Central bank reserves have been frozen. Banks have been cut out of the SWIFT payment network. And Russian stocks have been shorn from equity indices. We look at what impact these moves will have on markets and how investors might respond. Is inflation going to keep rising? Might there be hidden systemic risks lurking? And might markets fall further? In the Dumb Question of the Week, we ask why central banks target an inflation rate of 2%? --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Satellite Navigation: Portfolio part 2 | 02 Mar 2022 | 00:47:04 | |
Should you add satellite investments to your core investment portfolio? To prevent meddling with the core investment portfolio, many investors set aside a small amount of money to invest in risky satellite investments. Ramin talks us through some of the assets he has on his 'Market Crash Shopping List' and when he might consider adding them to his portfolio. We look at actively managed investment trusts, leveraged funds, Chinese stocks, high-yield credit, REITs, cryptocurrency and more. In today's Dumb Question of the Week, we ask: What does it mean to say cryptocurrency is "unregulated"? --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Core Strength: Portfolio part 1 | 23 Feb 2022 | 00:43:53 | |
A popular approach to investing is to construct a core portfolio of long-term investments. But what investments should go into this core? We consider the case for stocks, bonds, cash and gold, and how they complement each other. We also discuss what to look for in an index fund, when to rebalance and what risks are involved in long-term investing. In the Dumb Question of the Week, we ask: Who actually decides what companies are included in the S&P 500 index? Selected links--- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| It's not ESG being green | 16 Feb 2022 | 00:35:06 | |
Can ESG funds save the planet while delivering strong investment returns? ESG funds claim to be able to keep the environment - and your conscience - clean. And all while delivering better returns than the broad market. We dig into how ESG indexes are constructed, what returns we can expect, and whether the environmental claims actually stack up. We also consider alternative investments which might be better placed to achieve the same goals. In the Dumb Question of the Week, we ask: Why would anyone buy bonds with a negative yield? Aren't you guaranteed to lose money? --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Tech Shares on the Titanic | 09 Feb 2022 | 00:32:37 | |
Big Tech companies have had a wild earnings season. Meta - the parent company of Facebook - suffered the largest-ever one-day loss in market value for a US company. The very next day, Amazon notched the largest-ever one-day gain in history. What is going on to cause such dramatic price moves? And what does the future hold for companies such as Apple, Amazon, Google, Facebook, Tesla and Microsoft? In the Dumb Question of the Week, we ask why companies care about their stock price? And how does the company benefit from a higher price? --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Building a Multi-Factor Stock Portfolio, with Ed Croft | 29 May 2024 | 00:49:45 | |
The evidence suggests that certain types of stock tend to beat the market in the long run. Patient investors can reap higher returns by tilting towards stocks that are cheap, high-quality or rising in price. But how easy is it to identify undervalued companies? And what risks are involved in building a DIY portfolio? This week we speak to Ed Croft, the co-founder of Stockopedia, about multi-factor investing and a quantitative approach to stock selection. --- New users of Stockopedia get a special 25% discount on any annual plan if they use this link https://stk.pe/pensioncraft or enter our promo code 'PC25' at the checkout. (This affiliate link may provide PensionCraft with a small commission) --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Factor Fiction? | 02 Feb 2022 | 00:26:41 | |
Ramin and Michael look at whether investing in factors such as value, momentum or quality can boost returns. Which stocks do these funds buy? What are the risks? And how might we incorporate them in our portfolios? And in the Dumb Question of the Week, we ask: Do CEO's deserve their high pay and does it lead to better performance? --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Bubble or Nothing? | 26 Jan 2022 | 00:33:04 | |
Are we in an asset bubble? Stocks, property and many other investments look expensive at the moment. Ramin guides us through different ways of looking at valuations to see just how expensive. If we are in a bubble, what could cause it to pop? And how can we protect ourselves as investors? And in today's Dumb Question of the Week, we ask: Is China communist or capitalist? --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Buffeted by Inflation | 19 Jan 2022 | 00:38:13 | |
In the first ever episode of Many Happy Returns, Ramin and Michael discuss the current surge in inflation. How bad is it? How long will it last? And how might it affect our stock, bond and gold investments? In our regular Dumb Question of the Week, we ask: Is legendary stockpicker Warren Buffett’s success is down to skill or luck? --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Bond Battle: Individual Bonds or Bond Funds? | 22 May 2024 | 00:44:06 | |
As interest rates have risen, more and more people are interested in buying bonds. Individual government bonds can be a useful tool to lock in a high rate. But do individual bonds really make more sense than bond funds? --- Get a FREE share 🎁 worth between £10 and £100, exclusively for Many Happy Return's listeners. Ready to claim your FREE share? 1️⃣ Open a Freetrade account via Freetrade.io/pensioncraft 2️⃣ Fund your account with at least £50 3️⃣ Freetrade will drop the free share into your account within 7-10 days! Thanks to Freetrade for sponsoring this episode. Capital at risk. The probability is weighted, so more expensive shares will be rarer. T&Cs apply. --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Building a Bulletproof Retirement Portfolio, with Tyler from Portfolio Charts | 15 May 2024 | 01:00:31 | |
Designing a retirement portfolio is one of the thorniest problems in investing. The mix of assets you choose dramatically affects how much you can safely spend during retirement. Withdraw too much from your pot, and you risk running out of money. We’re joined by the creator of Portfolio Charts to examine optimal asset allocation. Tyler has modelled retirement scenarios around the world, identifying portfolios that help you sleep well at night and make the most of your money. Selected links
--- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Earnings Season: Can US Stocks Deliver the Goods? | 08 May 2024 | 00:34:53 | |
With valuations stretched, American stocks need to deliver the goods this earnings season. Companies must grow their profits and defend their margins or risk the end of the S&P 500 bull market. And in today’s Dumb Question of the Week: What is a ‘blackout period’? --- Get a FREE share 🎁 worth between £10 and £100, exclusively for Many Happy Return's listeners. Ready to claim your FREE share? 1️⃣ Open a Freetrade account via Freetrade.io/pensioncraft 2️⃣ Fund your account with at least £50 3️⃣ Freetrade will drop the free share into your account within 7-10 days! Thanks to Freetrade for sponsoring this episode. Capital at risk. The probability is weighted, so more expensive shares will be rarer. T&Cs apply. --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Payout Puzzle: Does Dividend Investing Make Sense? | 01 May 2024 | 00:39:16 | |
Many investors favour stocks that pay a high dividend, opting to live off the cash they generate. Even stingy US tech companies have started to pay dividends. But does a strategy focussed on income make sense? And in today’s Dumb Question of the Week: What is ‘Shareholder Yield’? --- Get a FREE share 🎁worth between £10 and £100, exclusively for Many Happy Return's listeners. Ready to claim your FREE share? 1️⃣ Open a Freetrade account via Freetrade.io/pensioncraft 2️⃣ Fund your account with at least £50 3️⃣ Freetrade will drop the free share into your account within 7-10 days! Thanks to Freetrade for sponsoring this episode. Capital at risk. The probability is weighted, so more expensive shares will be rarer. T&Cs apply. --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Should you de-risk your portfolio before retirement? | 24 Apr 2024 | 00:40:52 | |
A stock market crash early in retirement can leave you struggling to live off your investments. We discuss de-risking our portfolios and how to manage ‘sequence of returns’ risk. And in today’s Dumb Question of the Week: Is a stock market crash good for long-term returns? Thanks to Freetrade for sponsoring this episode. Sign up at Freetrade.io/pensioncraft to get a free share worth between £10 and £100. When you invest, your capital is at risk. The probability is weighted, so more expensive shares will be rarer. T&Cs apply. --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Is The Bank of England Broken? | 17 Apr 2024 | 00:39:35 | |
The Bank of England has been criticised for its failure to foresee high inflation. A damning new report takes aim at the central bank’s forecasting process and urges a major overhaul. And in today’s Dumb Question of the Week: What is 'quantitative tightening'? Thanks to Freetrade for sponsoring this episode. Sign up at Freetrade.io/pensioncraft to get a free share worth between £10 and £100. When you invest, your capital is at risk. The probability is weighted, so more expensive shares will be rarer. T&Cs apply. --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Volatility Trading: Making Money from Market Swings | 14 Aug 2024 | 00:43:14 | |
Volatility comes with the territory when owning risky assets, yet investors still seek ways to hedge against it—or even profit from it. So, how can you capitalise on market turbulence, and is it worth the effort? And in today’s Dumb Question of the Week: What is the MOVE index? --- Thank you to Trading 212 for sponsoring this episode. Claim free fractional shares worth up to £100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link: Sponsored Link. Terms apply - trading212.com/join/RAMIN When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. Terms and fees apply. --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| How To Invest a Lump Sum in 2024 | 10 Apr 2024 | 00:37:16 | |
Investing a lump sum is a big decision that comes with great responsibility. Should you be conservative with your newfound wealth? Should you pile into markets straight away or drip feed slowly over time? And in today’s Dumb Question of the Week: What does FSCS protection cover? Thanks to Freetrade for sponsoring this episode. Sign up at Freetrade.io/pensioncraft to get a free share worth between £10 and £100. When you invest, your capital is at risk. The probability is weighted, so more expensive shares will be rarer. T&Cs apply. --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Are Investors Rational? Lessons From the Late Daniel Kahneman | 03 Apr 2024 | 00:41:14 | |
Daniel Kahneman was the pioneer of behavioural economics and won a Nobel Prize for his work on cognitive biases. By explaining how a litany of psychological missteps skew our decisions, few people have had more influence on investing. We discuss how Kahneman improved our investing judgement and taught us to manage risk intelligently. And in today’s Dumb Question of the Week: Are stock analysts’ price targets worth anything? Thanks to Freetrade for sponsoring this episode. Get a free share worth between £100 and £2,100 when you open & top up, or transfer an ISA and/or SIPP. Head over to: Freetrade.io/transfer. New and existing customers. Min £10k transfer or top up. Annual subscription required. Capital at risk. ISA and SIPP eligibility, tax rules and T&Cs apply. Free share value varies on the amount topped up or transferred. The value of your investments can go down as well as up and you may get back less than you invest. Tax treatment depends on personal circumstances and current rules may change. At present, Freetrade only supports Uncrystallised Fund Pension Lump Sums (UFPLS) for customers who wish to withdraw funds from their SIPP after their 55th birthday. We strongly encourage you to seek financial advice before making any withdrawals from your SIPP. --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Bad Apple: The Trustbusters Target Big Tech | 27 Mar 2024 | 00:41:23 | |
US regulators have swung for the fences, accusing Apple of running an illegal smartphone monopoly. But will the legal cases facing big tech firms hurt stock prices? Thanks to Freetrade for sponsoring this episode. Get a free share worth between £100 and £2,100 when you open & top up, or transfer an ISA and/or SIPP. Head over to: Freetrade.io/transfer. New and existing customers. Min £10k transfer or top up. Annual subscription required. Capital at risk. ISA and SIPP eligibility, tax rules and T&Cs apply. Free share value varies on the amount topped up or transferred. The value of your investments can go down as well as up and you may get back less than you invest. Tax treatment depends on personal circumstances and current rules may change. At present, Freetrade only supports Uncrystallised Fund Pension Lump Sums (UFPLS) for customers who wish to withdraw funds from their SIPP after their 55th birthday. We strongly encourage you to seek financial advice before making any withdrawals from your SIPP. --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||
| Bubble Trouble: Are Investors Right to be Worried? | 20 Mar 2024 | 00:41:39 | |
Stock markets have hit all-time highs in recent weeks, with bitcoin and gold joining the party. Inevitably, people ask, “Is this a bubble?!” And in today’s Dumb Question of the Week: What’s the difference between investing and speculation? Thanks to Freetrade for sponsoring this episode. Get a free share worth between £100 and £2,100 when you open & top up, or transfer an ISA and/or SIPP. Head over to Freetrade.io/transfer. New and existing customers. Min £10k investment. Annual subscription required. Limited time offer. Capital at risk. ISA and SIPP eligibility, tax rules and T&Cs apply. Free share value varies on the amount topped up or transferred. Ends 5 April 2024. --- Get in touch 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become a member at pensioncraft.com ▶️ Subscribe on YouTube --- Disclaimer This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice. Copyright 2026 Many Happy Returns | |||