The Pension Confident Podcast – Details, episodes & analysis

Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: [email protected].

In this bonus episode of The Pension Confident Podcast, we’re sharing the best bits from one of our live events - the PensionBee Roadshow. In our Manchester edition, our expert guests shared tips for how you can start preparing for a happy retirement. Tune in to hear from:

• Financial Journalist and Founder of Much More With Less, Faith Archer;
• Financial Expert,  Author and Host of The Conversation of Money, Peter Komolafe;
• Personal Finance Expert and Founder of Pennies to Pounds, Kia Commodore;
• Personal Finance Expert and Founder of Mr MoneyJar, Timi Merriman-Johnson; and
• CMO at PensionBee, Jasper Martens.

Episode breakdown:

00:50 Visualising your retirement savings

01:26 Workplace pensions and Auto-Enrolment

02:42 How to stick to your savings goals

03:40 Three ways to boost your pension savings

04:44 Balancing rising costs and saving for your future

05:41 Learning about investments and pensions

06:59 Understanding where your pension is invested

08:02 Pension Wise

08:24 What is pension drawdown?

09:15 Leaving your pension to loved ones

Further reading, watching and listening:

How to plan for a happy retirement (YouTube)

How to set a good retirement goal (YouTube)

What happens at a Pension Wise appointment? (YouTube)

Different ways to access your pension pot (YouTube)

E18 of The Pension Confident Podcast: How to not run out of money in retirement (Podcast)

E11 of The Pension Confident Podcast: How to prepare for a happy retirement (Podcast)

E5 of The Pension Confident Podcast: What can we do to cope with the cost of living crisis? (Podcast)

How much income do you need in retirement?

How much money do you need to retire in the UK?

Preparing for retirement checklist

What income would a £100,000 pension pot give you?

What is Auto-Enrolment?

What makes a happy retirement?

Pension decumulation

Retirement planning in your 20s 

Retirement planning in your 30s 

Retirement planning in your 40s 

Retirement planning in your 50s 

Pension rules after death

Pension beneficiaries

Other useful resources:

Pension Drawdown Calculator (PensionBee)

Pension Calculator (PensionBee)

Pension Wise (MoneyHelper)

Pension Quality Mark - PQM (Pensions and Lifetime Savings Association)

Retirement Living Standards (Pensions and Lifetime Savings Association)

Catch up on the latest news, read our transcripts or watch on YouTube:

• The Pension Confident Podcast
• The Pension Confident Podcast on YouTube

Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn.

Enjoying the podcast? Then don’t forget to rate and give us a review! As always we’d love to hear your suggestions and feedback. Send us an email: [email protected].

The Pension Confident Podcast is taking a short summer holiday this August, but don’t worry - we’ve got some bonus content coming while you wait for the rest of Series Three!

The next bonus episode will be a fantastic conversation from the PensionBee Roadshow last year, all about how you can save for a happier retirement. Plus, look out for part two of our personal finance tips for parents.

In the meantime, you can go back and listen to all our episodes so far wherever you get your podcasts. We’ve covered so much already from the Bank of Mum and Dad and the real cost of your friendships, to saving to live to age 100 and how to earn more money.

Don’t forget to subscribe to your favourite podcast app so you never miss an episode. Catch up on the latest news, read our transcripts or watch on YouTube:

• The Pension Confident Podcast
• The Pension Confident Podcast on YouTube

Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn.

Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: [email protected].

You might be surprised to learn that living to 100 years of age is no longer a rare feat. The Office for National Statistics (ONS) revealed that almost one-in-seven boys and one-in-five girls born today are expected to reach this milestone in the UK.

The trend is clear: with advancements in technology and healthcare, a centenarian life is becoming the norm. But what does this mean for our everyday lives, especially in terms of work, planning, and even our mindset?

This month on The Pension Confident Podcast we’re discussing the increasing likelihood of the 100-year life. Join our host, Philippa Lamb, and our expert panel as they discuss both the emotional and financial realities of longer living. This month we hear from:

• Economist and best-selling Co-Author of ‘The 100-Year Life’, Andrew J. Scott;
• Editorial Director at Noon, Jennifer Howze; and
• Director (VP) Public Affairs at PensionBee, Becky O’Connor.

02:20 Rising life expectancy

04:31 Adapting to a multi-stage life

06:03 The emerging adulthood trend

07:59 Saving for retirement

10:01 Portfolio careers in midlife

13:46 Multi-generational households

15:03 How long will people be working for?

18:05 Budgeting your time and money

19:10 State Pension versus Retirement Living Standards

23:29 Investing in your human capital

To learn more about the 100-year life, check out these articles from PensionBee:

• Episode 26 transcript
• Are you ready for your 100-year life?
• Can you live off of the State Pension?
• How much money is enough to save in your pension for your future retirement?
• How you could build a million pound pension
• Is it too late to start a pension?
• 6 reasons why you should delay taking your pension

• British workers increasingly likely to work into their 70s, research suggests (The Guardian)
• One in six over-55s have no pension savings yet (Unbiased)
• Queenagers: research portrait of midlife women (Noon)
• The 100-Year Life – Living and Working in an Age of Longevity

Catch up on the latest news, read our transcripts or watch on YouTube:

• The Pension Confident Podcast
• The Pension Confident Podcast on YouTube

Follow PensionBee (@PensionBee) on X, Threads, Instagram, TikTok, Facebook and LinkedIn.

Follow Andrew J. Scott (@ProfAndrewScott) on X and LinkedIn. 

Follow Jennifer Howze (@jhowze) on X and LinkedIn.

Updated December 2024: PensionBee no longer offers the Impact Plan. To find out about our sustainable pension plans such as our Climate Plan and Shariah Plan, visit pensionbee.com/uk/plans.

Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: [email protected].

In this bonus episode of The Pension Confident Podcast, we dive into the world of Socially Responsible Investing (SRI). We explore how your retirement savings can be a powerful tool for good. Plus, we’ll tackle the big question: can you make money and make a difference to people and the planet? 

From impact investing to ESG ratings, find out how socially responsible investments are defined and how you can get involved. In this episode, we hear from:

• Chief Engagement Officer at PensionBee, Clare Reilly;
• Co-Founder of Islamic Finance Guru, Ibrahim Khan;
• VP Product at PensionBee, Martin Parzonka; and
• Campaign Director for Make My Money Matter, David Hayman.

Episode Breakdown: 

01:36 ESG ratings

03:02 Impact investing

04:18 Shariah-compliant investing

06:26 Profits and principles

08:50 Where’s your pension invested?

12:11 How to invest for change.

Read the episode transcript.

Catch up on the latest news, read our transcripts or watch on YouTube:

• The Pension Confident Podcast
• The Pension Confident Podcast on YouTube

Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn.

Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: [email protected].

While many organisations may talk about equality, research tells us that women are far less likely to secure a pay rise than men - even when they ask for one! Nearly one in every three men who ask for more pay get it, but only one in every five women are successful.

This month on The Pension Confident Podcast, inspired by International Women’s Day, we’re discussing how to earn more money. Join our host, Philippa Lamb, and our expert panel as they discuss how to bridge the gap between your potential and your pay cheque. This month we hear from:

• Social Entrepreneur and Broadcaster, Natalie Campbell MBE;
• CEO and Co-Founder of The Know, Lynn Anderson Clark; and
• Senior Customer Experience Researcher at PensionBee, Priyal Kanabar.

Episode Breakdown: 

01:52 Pay gaps in the workplace

04:27 Early stage careers

07:52 The mentorship relationship

11:10 Job application behaviour

13:17 Job interview tips

16:12 Negotiating for higher pay

18:55 Benchmarking your salary

24:10 Later life careers

Further reading:

To learn more about navigating pay negotiations and improving your financial prospects, check out these articles from PensionBee:

• Episode 25 transcript
• How can we improve financial health amongst women?
• Can financial education platforms help close the gender financial literacy gap?
• How women can boost their pension savings
• Six ways to start talking about money
• How to check your State Pension forecast
• 10 money making ideas for stay-at-home mums
• How to catch up on pension payments

Other useful resources:

• Find and compare gender pay gap data (GOV.UK)
• Explore salaries at the world’s most innovative companies (Otta)
• The Carer’s Pension Gap (PensionBee)
• Queenagers: research portrait of midlife women (Noon)

Catch up on the latest news, read our transcripts or watch on YouTube:

• The Pension Confident Podcast
• The Pension Confident Podcast on YouTube

Follow PensionBee (@PensionBee) on X, Threads, Instagram, TikTok, Facebook and LinkedIn.

Follow Natalie Campbell (@NatDCampbell) on X, Instagram, TikTok and LinkedIn. 

Follow The Know (@theknowmedia) on X, Instagram, TikTok, Facebook and LinkedIn.

Enjoying our award-winning podcast? Then don’t forget to rate and give us a review! As always we’d love to hear your suggestions and feedback.

[email protected] 

On this special bonus episode of The Pension Confident Podcast, we look at different relationships and the impact they can have on your finances. Whether you live with a friend, are married or going through a separation, these tips are for you.

From property and prenups to credit scores, find out what they all mean for your current relationship status. In this episode, we hear from:

• This Girl Talks Money Founder, Ellie Austin-Williams;
• Director (VP) Public Relations at PensionBee, Becky O’Connor;
• Barrister, Mediator and Family Arbitrator, and a Spokesperson for free legal assistance charity, Advocate, Paul Infield;
• Personal Finance Expert and Founder of Mrs MummyPenny, Lynn Beattie;
• Founder of financial literacy platform All Things Money, Ola Majekodunmi;
• CMO at PensionBee, Jasper Martens;
• Financial Times Consumer Editor, Claer Barrett; and
• Head of Communications at the Financial Services Compensation Scheme (FSCS), Emma Barrow.

Episode Breakdown:

00:58 Moving in with someone who owns a property

03:05 Pensions and divorce

05:29 Prenups and postnups

07:05 Why it’s important to talk about money

07:58 Pension beneficiaries

09:03 Credit scores and relationships.

Read the episode transcript.

Catch up on the latest news, read our transcripts or watch on YouTube:

• The Pension Confident Podcast
• The Pension Confident Podcast on YouTube

Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn.

Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: [email protected].

January is a time when many of us will naturally be thinking about various hopes and intentions for the year ahead. But what if your ambition is to launch your own business? 

Starting a side hustle during a cost-of-living crisis isn’t for the faint of heart. After all, in the UK one in five new businesses fold in their first year, and over half of start-ups don’t make it past five years. But that doesn't mean it's impossible.

Join our host, Philippa Lamb, and three fearless entrepreneurs as they discuss real-world tactics for bootstrapping your dream business. This month we hear from:

• Founder and CEO of Vestpod, Emilie Bellet;
• Founder and CEO of Sprive, Jinesh Vohra; and
• CCO at PensionBee, but also Founder of childrenswear business Little Circle, Lisa Picardo.

Episode Breakdown: 

01:50 The idea and first steps

09:08 Networking with the competition

11:48 Business planning

15:26 The pros and cons of co-founders

18:04 Managing your money effectively

22:04 Sole trader versus limited company

24:54 Common mistakes and expert advice

Further reading:

To learn more about starting your own company, check out these articles from PensionBee:

• Episode 24 transcript
• The pros and cons of self-employment
• What you should know about being your own boss
• Are the self-employed saving enough for retirement?
• How to manage your money when you’re self-employed
• Pension contributions from your limited company
• Six ways to reduce your tax bill as a limited company
• Sole trader vs limited company: how do the tax savings stack up?

Other useful resources: 

• Set up a business (GOV.UK)
• Online graphic design tool for businesses (Canva)
• Find the best accountant for your small business (Unbiased)
• Startup School for Seniors
• The Business Model Canvas (Strategyzer)

Catch up on the latest news, read our transcripts or watch on YouTube:

• The Pension Confident Podcast
• The Pension Confident Podcast on YouTube

Follow PensionBee (@PensionBee) on X, Threads, Instagram, TikTok, Facebook and LinkedIn.

Follow Sprive (@SpriveApp) on X, Instagram, TikTok, Facebook and LinkedIn. 

Follow Vestpod (@Vestpod) on X, Instagram, TikTok, Facebook and LinkedIn.

Enjoying our award-winning podcast? Then don’t forget to rate and give us a review! As always we’d love to hear your suggestions and feedback.

Send us an email: [email protected]. 

Happy New Year from all of us at The Pension Confident Podcast, we hope you had a great break! We’re back for our third series where we’ll be discussing even more personal finance questions plus, we’ll be sharing lots of bonus content throughout the year too.

The next episode will be live at the end of January and it’s all about starting your own business. Later on in the year we’ll be looking at the monetary cost of friendship and how you can financially prepare to live to 100.

Don’t forget to subscribe to your favourite podcast app so you never miss an episode.

Catch up on the latest news, read our transcripts or watch on YouTube:

The Pension Confident Podcast

The Pension Confident Podcast on YouTube

Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn.

We’re thrilled to announce that the series has won two Lovie Awards! We were recognised in both the ‘Best Series’ and ‘Best Branded Podcast or Segment’ categories. A big thank you to everyone who voted for us!

If you didn’t get the chance to vote, why not tell us what you think by giving us a review and a rating? As always, you can send your suggestions and feedback to:

[email protected]. 

With Christmas around the corner it can be easy to go overboard. Before you know it, you may have spent a little too much and live to regret it come January.

We’ve all been there, and we all make other financial mistakes. Sometimes they’re small, like lending a friend a tenner, knowing you’re unlikely to see it again. However, sometimes they can have a much bigger impact. It could be that you’ve bought a property that doesn’t fit the bill, or perhaps you’ve let your debts spiral out of control? 

Even the money experts make mistakes and to talk us through theirs, and what we can all learn from our financial failures are: 

• Personal Finance Expert and Founder of Mrs MummyPenny; Lynn Beattie,
• Founder of financial literacy platform, All Things Money; Ola Majekodunmi, and
• CMO at PensionBee; Jasper Martens. 

Episode Breakdown: 

01:41 Team PensionBee’s financial mistakes 

02:46 Shopping mistakes

08:44 Black Friday and other ‘sales’

11:45 Not paying attention to your finances

12:22 Recurring payments and monthly subscriptions

15:18 Switching bank accounts

18:18 Pension apathy

24:24 Property mistakes

26:52 The effect of relationships on financial decisions.

Further reading:

To help you avoid making some of the financial mistakes we talk about in this episode, check out these articles from PensionBee:

• Episode 23 transcript
• Common money mistakes and how to avoid them
• How to check your pension contributions
• How to save for retirement when ‘future you’ feels like a stranger
• Rethinking your pension savings during the cost of living crisis
• Avoid these pension mistakes in your 40s
• Six ways to start talking about money
• Five steps to plotting your personal finance roadmap

Other useful resources: 

• Camelcamelcamel price tracker
• Idealo price comparison website
• Current account switch guarantee
• Switching mobile phone provider (Ofcom)

Catch up on the latest news, read our transcripts or watch on YouTube:

• The Pension Confident Podcast
• The Pension Confident Podcast on YouTube

Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn.

Follow Ola (@allthingsmoney_) on X, Instagram, TikTok, Facebook and LinkedIn.

Follow Lynn (@mrsmummypennyuk) on X, Instagram, TikTok, Facebook and LinkedIn.

We’re thrilled to announce that the series has won two Lovie Awards! We were recognised in both the ‘Best Series’ and ‘Best Branded Podcast or Segment’ categories. A big thank you to everyone who voted for us! 

If you didn’t get the chance to vote, why not tell us what you think by giving us a review and a rating? As always, you can send your suggestions and feedback to:

[email protected] 

On this special bonus episode of The Pension Confident Podcast, we’ve rounded up some of the best pension tips our guests have shared so far.

From choosing the best time to withdraw from your pension to making the most of tax relief, hear important pension topics discussed by experts including: 

• PensionBee’s CEO; Romi Savova;
• Financial Times Consumer Editor; Claer Barrett;
• PensionBee’s Chief Engagement Officer; Clare Reilly;
• Money to the Masses Founder; Damien Fahy,
• PensionBee’s Head of Product; Martin Parzonka;
• Pensions and Lifetime Savings Association Head of Media Relations; Mark Smith;
• PensionBee’s VP Brand and Communications; Rachael Oku;
• This Girl Talks Money Founder; Ellie Austin-Williams; and
• PensionBee’s Director (VP) Public Relations; Becky O’Connor. 

Episode Breakdown:

00:42 Getting started with your pension

01:51 Parental leave and pensions

02:52 Pension beneficiaries and tax

03:22 Your pension and the cost of living crisis

03:49 Taking your pension

04:36 Moving your pension pots

05:23 Pensions vs. ISAs.

 Read the episode transcript.

Catch up on the latest news, read our transcripts or watch on YouTube:

• The Pension Confident Podcast
• The Pension Confident Podcast on YouTube

Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn.