Explore every episode of the podcast The Pension Confident Podcast
| Title | Pub. Date | Duration | |
|---|---|---|---|
| BONUS EPISODE: How to prepare for a happy retirement - PensionBee Roadshow Manchester | 25 Aug 2024 | 00:10:19 | |
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: podcast@pensionbee.com.
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:
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 makes a happy retirement? Retirement planning in your 20s Retirement planning in your 30s Retirement planning in your 40s Retirement planning in your 50s
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:
Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn. | |||
| TRAILER: What’s coming up on The Pension Confident Podcast | 07 Aug 2024 | 00:00:50 | |
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: podcast@pensionbee.com. 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: Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn.
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| E26: Are you ready for your 100-year life? With Andrew J. Scott, Jennifer Howze and Becky O’Connor | 29 Mar 2024 | 00:31:50 | |
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: podcast@pensionbee.com. 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:
Episode Breakdown: 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 Further reading: To learn more about the 100-year life, check out these articles from PensionBee:
Other useful resources:
Catch up on the latest news, read our transcripts or watch on YouTube:
Follow PensionBee (@PensionBee) on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Andrew J. Scott (@ProfAndrewScott) on X and LinkedIn. | |||
| BONUS EPISODE: What is socially responsible investing? | 13 Mar 2024 | 00:14:12 | |
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: podcast@pensionbee.com.
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:
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.
Catch up on the latest news, read our transcripts or watch on YouTube:
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| E25: How to earn more money with Natalie Campbell MBE, Lynn Anderson Clark and Priyal Kanabar | 25 Feb 2024 | 00:31:16 | |
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: podcast@pensionbee.com.
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:
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:
Other useful resources:
Catch up on the latest news, read our transcripts or watch 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. | |||
| BONUS EPISODE: Relationships and money | 14 Feb 2024 | 00:10:23 | |
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.
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:
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: Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn. | |||
| E24: How to start a business with Emilie Bellet, Jinesh Vohra and Lisa Picardo | 28 Jan 2024 | 00:28:44 | |
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: podcast@pensionbee.com.
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:
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:
Other useful resources:
Catch up on the latest news, read our transcripts or watch 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. | |||
| S3 TRAILER: The Pension Confident Podcast | 07 Jan 2024 | 00:01:19 | |
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: podcast@pensionbee.com. 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 on YouTube
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| E23: Common financial mistakes and how to avoid them with Lynn Beattie, Ola Majekodunmi and Jasper Martens | 13 Dec 2023 | 00:29:34 | |
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:
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:
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:
Other useful resources:
Catch up on the latest news, read our transcripts or watch 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. | |||
| BONUS EPISODE: Pension tips from the experts | 03 Dec 2023 | 00:07:56 | |
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:
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:
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.
Catch up on the latest news, read our transcripts or watch on YouTube: Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn. | |||
| E22: Why is renting so expensive? With Jenny Lamb, David Byers and Becky O’Connor | 28 Nov 2023 | 00:27:51 | |
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:
Renting has been a hot topic of debate throughout the cost of living crisis - and with good reason. The cost of privately renting a home has risen every month since November 2021, with the average price now 12% higher than this time last year. In this episode we take a look at the reasons behind this, what your rights are as a tenant or a landlord, and what needs to change to improve the housing market for everybody. Helping us to do so with their expertise are:
Episode Breakdown*: 02:49 Recent national rental increases 03:35 How much are we spending on rent? 04:18 Housing supply and demand 06:05 Evictions and homelessness* 10:01 The impact on our other finances 11:18 The impact on older renters 13:24 Property as an alternative to a pension 15:54 Your rights as a tenant or landlord 18:36 Where to go if you’re struggling to pay 21:42 The Renters (Reform) Bill 24:50 Affordable housing. * We talk about Section 21 notices in this episode, but wanted to give you a clear explanation of what they are. A Section 21 notice can be used if a landlord wants their tenant to leave a property that they own. A landlord can only serve you this notice if your fixed-term tenancy has come to an end or if you’re in a periodic tenancy, but they don’t need a reason to make you leave. A landlord must give you at least two months’ notice to vacate the property. At the end of that period, if you haven’t left the property, the landlord can start the formal court process to formally evict you. This usually takes a number of weeks and could result in a court order that forces you to leave the property. You can see all the rules around Section 21 notices on gov.uk. If you’ve been served a Section 21 notice, you can see what your rights are on the Citizens Advice website.
Further reading: For more information on the key issues surrounding the home rental market, check out these resources.
Catch up on the latest news, read our transcripts or watch on YouTube: Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow @sheltercharity on X (@Shelter), Instagram, TikTok, Facebook and LinkedIn. Follow Jenny on LinkedIn. | |||
| BONUS EPISODE: Mortgages vs. pensions update | 12 Nov 2023 | 00:11:35 | |
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:
On this special bonus episode of The Pension Confident Podcast, we’re revisiting the popular debate: should you pay more into your mortgage or your pension? Hear from our former Host Peter Komolafe, CEO and Founder of The Humble Penny; Ken Okoroafor, former CMO at HABITO; Abba Newbery and VP Brand and Communications at PensionBee; Rachael Oku as they discuss the pros and cons of investing in property and pensions. Read the episode transcript here.
Episode Breakdown: 01:21 Using your property to fund your retirement 02:46 How long will your pension pot need to last you 05:10 Paying off your mortgage early 07:12 The benefits of pension contributions 09:08 Investing in property
Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast on YouTube
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| E30: Can money buy happiness? With Ken Okoroafor, Kim Stephenson and Emily Tribe | 28 Jul 2024 | 00:29:34 | |
Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.
For many people diligently building their nest egg, the question of money’s link to happiness is a natural one. After all, financial security can reduce a significant source of stress. But can simply having more money guarantee a life filled with joy?
This month on The Pension Confident Podcast we’re talking about the age-old question: can money buy happiness? Join our host, Philippa Lamb, and our expert panel as they discuss the relationship between money and happiness.
Episode Breakdown: 01:23 At different ages, different things matter 04:10 Does money equal happiness? 06:30 The source of money changes the equation 10:10 Understanding your appetite for risk 13:57 Maslow’s hierarchy of needs 16:20 Avoiding lifestyle creep and finding joy 19:10 The marshmallow test 23:13 How can you boost your happiness Further reading: To learn more about where you could put your savings, check out these articles and podcasts from PensionBee:
Other useful resources:
Catch up on the latest news, read our transcripts or watch on YouTube:
Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Humble Penny (@TheHumblePenny) on TikTok, YouTube, Instagram, LinkedIn, Facebook and X. | |||
| E21: Why don’t women invest? With Ayesha Ofori, Anna-Sophie Hartvigsen and Lara Oyesanya FRSA | 29 Oct 2023 | 00:31:28 | |
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:
Did you know that as well as a gender pay gap and a gender pension gap, there’s also a gender investment gap? According to investment website; Boring Money, in the UK there’s nearly £600 billion more in men’s investment accounts than women’s! Only a third of UK women say they feel confident dealing with their finances. But, is a lack of confidence the reason why only 48% of women invest in the stock market compared to 66% of men, or are other factors at play? To help us explore why women are less likely to invest are this month’s expert guests:
Episode Breakdown: 02:00 Why’s it important for women to invest? 03:15 Brief history of financial gender inequality 04:51 Saving vs investing 06:58 Why women are less likely to invest than men 08:46 Are women less likely to take risks? 14:24 Financial education for women 17:26 Pensions are investments 19:34 Who can invest? 22:03 Our guests first investments 26:07 Long-term thinking.
* We mention Boring Money’s research shows a £600 billion gender investment gap worldwide - this figure actually only covers the UK! The figures mentioned for the potential returns of savings vs investments were calculated using Santander’s savings and investments calculator. The results were based on taking medium risk and the ‘realistic’ expectation of growth. However, returns can be higher or lower. These are just examples and aren’t guaranteed.
Further reading: For more information on the key issues affecting women and their finances, check out these resources from PensionBee.
Other useful resources:
Catch up on the latest news, read our transcripts or watch on YouTube:
Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Ayesha on Instagram and LinkedIn. Follow Anna (@hartvigsen_anna) on X, Instagram and LinkedIn. Follow Lara on LinkedIn. | |||
| BONUS EPISODE: Personal finance tips from the experts part two | 17 Oct 2023 | 00:06:10 | |
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:
Sit back and enjoy part two of our roundup featuring some of the best personal finance tips from expert guests of The Pension Confident Podcast. Whether you’re saving to raise a family, or looking to buy a house, have a listen to hear helpful ideas from the likes of:
Episode Breakdown: 00:36 Preparing your finances for kids 01:22 Turning your pension contributions on and off 01:53 Budgeting when you’re self-employed 02:34 ISAs and tax 03:04 Buying a house with someone else 04:19 Financial personality and financial independence 05:05 Monthly budgets 05:30 Risks when withdrawing a Lifetime ISA.
Read the episode transcript here.
Catch up on the latest news, read our transcripts or watch on YouTube:
Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn. | |||
| E20: What to do when someone dies with Simon Levy, Justin Harper and Jaypee Soule | 27 Sep 2023 | 00:32:18 | |
Enjoying the podcast? 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:
As we all know, there are only two certainties in life - death and taxes - and going through the admin when someone dies can be a slow and expensive process. That’s why it’s a good idea to think about where you’d like your own money and personal belongings to go in advance to avoid making it complicated for those you leave behind. In this episode, we discuss all the useful things you can do to make sure you’ve got your own affairs in order - from wills and to life insurance, to pension beneficiaries. We also talk about what's important to address when you’re dealing with somebody else's estate. Helping us to do this are our three expert guests:
Episode Breakdown: 03:16 Executors and beneficiaries 03:51 Keeping things organised for your loved ones 08:25 Lasting powers of attorney 09:54 Letters of wishes 11:21 Prepayment funerals 12:36 Life insurance 13:21 Inheritance tax 15:29 Pension beneficiaries 18:25 Writing a will 22:06 What are the rules of intestacy? 27:18 First steps when a loved one passes away 28:06 Tell Us Once service 29:37 What’s probate? *We talk about what happens to your pension after death in this episode. We want to be clear that we’re referring to defined contribution pensions. Here are a few more things to know:
*We want to be clear that your pension isn’t legally considered part of your estate, so isn’t covered by your will. However, mentioning your pension in your will may help to eliminate any doubt over your wishes, though it’s recommended that you still contact your pension provider to add your beneficiaries to your policy.
Further reading: For more help dealing with the admin when someone passes away, check out these resources from PensionBee.
Other useful resources:
Catch up on the latest news, read our transcripts or watch on YouTube:
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| BONUS EPISODE: Personal finance tips from the experts part one | 03 Sep 2023 | 00:07:52 | |
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:
On this special bonus episode of The Pension Confident Podcast, we’ve rounded up some of the best personal finance tips our guests have shared so far. From the power of compound interest to understanding credit ratings and ISAs. On this episode we’ll hear a range of important financial topics discussed by experts including:
Read the episode transcript here.
Episode Breakdown: 00:44 Tax relief on pension contributions 01:17 Making pension contributions as a limited company 01:51 Compound interest 03:09 Automating your savings 03:51 Saving money when you’re single 04:48 Credit ratings 05:54 Stocks & Shares ISAs 06:43 Understanding different types of ISAs
Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast on YouTube
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| BONUS EPISODE: The best from our guests with Philippa Lamb and Lucy Greenwell | 20 Aug 2023 | 00:19:24 | |
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:
On this special bonus episode of The Pension Confident Podcast, we’re turning the mic around on our Host; Philippa Lamb, to hear her favourite moments from the podcast so far. We’ve had some brilliant guests - from CEOs to campaigners, barristers to financial influencers, along with some of our favourite in-house PensionBee experts. On this episode we’ll hear a range of important financial topics discussed from the likes of:
Read the episode transcript here.
Episode Breakdown: 02:02 Credit card debt and money worries 04:51 Reducing the gender pension gap for our children 06:52 Credit scores and credit invisibility 10:10 Shariah investing 14:25 The financial risk of ‘Common law marriage’
Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast on YouTube
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| TRAILER: What’s coming up on The Pension Confident Podcast | 06 Aug 2023 | 00:00:38 | |
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: podcast@pensionbee.com
We’re taking a short break from our usual schedule in August, but don’t worry - we’ve got some bonus content incoming while you wait for our next episode!
We’ll be back in September discussing how to deal with financial admin when a loved one dies, and how you can prepare your own finances to make it simple for those you leave behind.
Plus, look out for episodes later this year on building your financial confidence, starting your journey in self-employment, and how to recover from financial failures.
Don’t forget to subscribe on your podcast app to get these episodes, and more, as soon as they’re released.
Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast on YouTube
Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn.
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| E19: Can you afford to have kids? With Justine Roberts CBE, Kalpana Fitzpatrick and Jonathan Lister Parsons | 30 Jul 2023 | 00:29:41 | |
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Having children can be one of the most wonderful and rewarding things you’ll ever do, and it’s impossible to put a price on all the joy that kids can bring you. However, there’s no denying the impact that bringing up a family can have on your finances. Having a child can be a huge financial commitment. According to The Times, it’ll take an average of nearly £203,000 to raise a child from birth to the age of 18. And it won’t necessarily stop there, you might find yourself spending on your kids from before they’re born until well into their adult lives. Add to that, the effects on your income that taking parental leave may bring - you might not know where to begin! To talk through all the costs involved with having children and whether raising a family’s currently affordable are our guests:
Episode Breakdown: 02:12 Can you predict how much a baby will cost? 07:48 Statutory Maternity Pay 09:42 The problem with parental leave 11:56 Statutory Adoption Pay and Leave 12:46 The cost of childcare 14:58 Tax-Free Childcare Allowance 15:37 Child Benefit 20:37 Costs as your kids grow up 24:38 Paying for higher education. *We mention maternity pay in this episode and just wanted to be absolutely clear with the figures:
*We also accidentally overstated the amount of Shared Parental Leave that you may be entitled to. We said you’d get a year, but it’s actually up to 50 weeks of leave between parents. *We state that the UK has the highest childcare costs in the Organisation for Economic Co-operation and Development (OECD). Though this has been true as recently as 2022, the UK currently ranks third. However, this number’s ever changing.
Further reading: For more help getting financially prepared for raising a family, check out these resources from PensionBee.
Other useful resources:
Catch up on the latest news, read our transcripts or watch on YouTube: Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow @Mumsnet on X, Instagram, Facebook, TikTok and LinkedIn Follow @KalpanaFitzpatrick on LinkedIn, X, Instagram and TikTok | |||
| E18: How to not run out of money in retirement with Mark Jones, Faith Archer and Martin Parzonka | 25 Jun 2023 | 00:27:50 | |
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:
We’ve spoken in much depth about preparing for retirement on The Pension Confident Podcast, but we’ll all eventually get to a stage where we find it’s time to start taking that money out of our pension pots, rather than putting in. After decades of working and saving into your pension, you’ll be looking forward to the day when it’s finally time to retire and you can start spending your pension cash. But, you might not be sure what the smartest way to withdraw your money is. Furthermore, you might be fearful of it running out. To take us through all the withdrawal options and discuss how we can make our money last in retirement are our expert guests:
Episode Breakdown: 02:32 Predicting how long you’re going to live 05:39 When can you take your pension? 06:38 Annuities 07:36 Pension drawdown 16:45 Making a pension withdrawal plan 19:27 Measuring risk 22:54 Having multiple sources of retirement income 24:25 Resources to aid your pension withdrawal plan.
Further reading: Think about your pension withdrawal plan with the help of these resources from PensionBee.
Other useful resources:
Catch up on the latest news, read our transcripts or watch on YouTube: Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow Faith @MuchMoreWith Less on X, LinkedIn and Facebook. | |||
| E17: Should you save into a pension or an ISA? With Claer Barrett, Damien Fahy, Peter Komolafe and Becky O’Connor | 28 May 2023 | 00:37:43 | |
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:
On this very special edition of The Pension Confident Podcast, we come to you from White City in London with our first recording in front of a live audience! And this time it’s all about the battle of the financial titans; pensions vs. ISAs. With the help of polling data from our listeners, we take a look at how many of us are making the most of these financial products and which should take priority at different stages in our lives. Sharing their insights, and giving their tips on maximising the benefits of both your pensions and ISAs are our expert panel:
* If you’d like to read Claer’s book; What They Don't Tell You About Money, and The Money Basics by Peter, both are available for purchase now!
Episode Breakdown: 03:23 How much are people saving into pensions? 06:18 How ISAs work 11:00 When you can take your pension 13:24 Making the most of pensions and ISAs 15:29 Common mistakes people make with ISAs 21:50 Saving when you’re self-employed 24:37 Priorities when nearing retirement 28:40 Leaving money for loved ones 31:15 Audience Q&A.
Further reading: Make the most of your savings with the help of these articles from PensionBee.
Other useful resources:
Catch up on the latest news, read our transcripts or watch on YouTube:
Follow Claer @ClaerB on X, Instagram, TikTok and LinkedIn, Damien @MoneytotheMasses on X, TikTok, Instagram, Facebook, YouTube and LinkedIn and Peter @ConversationOfMoney on X, Instagram, YouTube, LinkedIn and TikTok. | |||
| E16: What’s impact investing and how can it be used as a force for good? With David Hayman, Anneka Deva and Clare Reilly | 23 Apr 2023 | 00:28:23 | |
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? 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:
Welcome to the latest edition of The Pension Confident Podcast, we hope that listening’s one of the many good things that happen to you today! This time we’re looking at impact investing; what it is, why it’s important and how it can be used to drive environmental and social change whilst saving for your retirement. You might already be vegetarian or buying fairtrade products; volunteering or cutting down on flying. But what if you could make your biggest impact simply by looking into where your money’s invested? It’s called impact investing, and helping us to understand what it is and how it can drive change are:
Episode Breakdown: 01:15 What’s the goal of impact investing? 05:50 Making an impact on environmental and social issues 08:41 How individuals can make an impact with their money 15:58 What demographics are interested in impact investing? 20:12 How much does it cost and what returns will you get? 25:31 What’s next for impact investing?
*A small caveat to say we were close with a stat, but not quite correct. The amount of Financial Advisors who are women is actually 17% rather than the 16% stated.
Further reading: You’ll find plenty of impactful information on the PensionBee website and YouTube channel.
Other useful resources:
Catch up on the latest news, read our transcripts or watch on YouTube:
Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow @MakeMyMoneyMatter on X, YouTube, Instagram, TikTok, LinkedIn and Facebook and @WeAreMoneyMovers on Instagram. | |||
| BONUS EPISODE: Personal finance tips for parents part one | 17 Jul 2024 | 00:11:06 | |
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: podcast@pensionbee.com.
In this bonus episode of The Pension Confident Podcast, we have tips for new parents: from the benefits you could be eligible for, to the impact parenthood could have on your pension. Tune in to hear the best bits from episodes three and 19, as our host, Philippa Lamb and our expert panels discuss nesting, building emergency funds as a new parent and more. We hear from:
Episode Breakdown: 00:37 The reality of Shared Parental Leave 02:22 Statutory rights for adoption 03:13 How to budget for a new baby 04:44 Anticipating early costs and childcare expenses 06:23 Exploring Tax-Free Childcare Allowance and Child Benefit 08:05 Parenthood and the Gender Pension Gap 09:31 Starting a conversation, before starting a family Further reading and listening: To learn more about personal finance tips for new parents, check out these articles and podcasts from PensionBee:
Other useful resources:
Catch up on the latest news, read our transcripts or watch on YouTube:
Follow PensionBee (@PensionBee) on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Mumsnet (@Mumsnet) on X, Instagram, Facebook, TikTok and LinkedIn. Follow Vestpod (@VestPod) on X, Instagram, TikTok, Facebook and LinkedIn. Follow Kalpana (@KalpanaFitzpatrick) on X, LinkedIn, Instagram and TikTok. | |||
| E15: How can we achieve financial inclusion? With Nina Mohanty, Emma Barrow and Matt Loft | 26 Mar 2023 | 00:29:50 | |
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:
A fond welcome to the 15th episode of The Pension Confident Podcast. This time, we’re discussing how financial institutions can be more inclusive of those who might be more vulnerable when it comes to their finances. ‘Levelling up’ seems to be the buzz phrase of the moment. But what does that actually mean in practice? You may have fallen behind financially due to where you live, or maybe the system or service you’re using just simply isn’t designed for someone with your set of circumstances. That could be your ethnicity, religion, gender, age or something else entirely. Helping us to ‘level up’ and discuss how we achieve financial inclusion are:
Episode Breakdown: 01:53 When we’ve felt excluded 04:42 Who’s likely to be financially excluded? 06:37 Those who choose not to use financial services 08:37 Accessibility to technology and in-person banking 14:29 Low credit scores 20:08 Low income and insurance 22:01 What the government and industry should do to help
*We thought it would be helpful to highlight our sources for some of the key stats we mentioned in this episode:
Further reading: Need a little extra help to level up? Then check out these articles from PensionBee.
Other useful resources:
Come and see us live! On Thursday 4 May we’ll be recording our first ever episode in front of a live studio audience and we’d love for you to join us.
Tickets are absolutely free, so if you’d like to attend - just click here.
Catch up on the latest news, read our transcripts or watch on YouTube: Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow Nina @BloomMoney on Instagram, TikTok LinkedIn and Facebook and @FSCS on Facebook, X, Instagram and LinkedIn. | |||
| Come and see The Pension Confident Podcast LIVE! | 14 Mar 2023 | 00:00:52 | |
Come and watch us record a special episode of The Pension Confident Podcast in front of a live studio audience for the very first time!
Date: Thursday 4 May Venue: The Studio in White City Place Time: From 6:30pm Nearest tube: White City (Central line).
Philippa, along with special guests from the world of personal finance will be discussing whether your money’s better off in a pension or in an ISA. Our expert panel will include:
Doors will open at 6:30pm before the podcast recording begins at 7pm. Before the main recording, we’ll also have a warm up set from the Founder of Mr MoneyJar; Timi Merriman-Johnson. Tickets are absolutely free and include complimentary food and drink from Dear Grace, London.
Got a burning question about where to invest your money? Send us an email: podcast@pensionbee.com and your question could be read out on the night! We’d love to see you there.
Catch up on the latest news, read our transcripts or watch on YouTube:
The Pension Confident Podcast on YouTube
Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads 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: podcast@pensionbee.com | |||
| E14: What’s the impact of your relationship status on your finances? With Ellie Austin-Williams, Paul Infield and Becky O’Connor. | 22 Feb 2023 | 00:29:39 | |
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: podcast@pensionbee.com
It’s time to sit back, listen and enjoy another episode of The Pension Confident Podcast. Whether you prefer to do that by yourself, with a partner or maybe even your children is up to you, because this month we talk all about how those relationships can affect your finances. No matter what your relationship status is, each one brings its own financial questions and challenges. Right now, you might be happy just concentrating on yourself. Perhaps you’re cohabiting, or living with a friend or a sibling. You might be married or in a civil partnership. Or maybe you’re separated, divorced, or widowed. From ‘singles tax’, to prenups and wills - taking you through what you might need to think about as you experience these different relationships are:
Episode Breakdown: 03:55 Leaving home 07:02 The ‘singles tax’ 10:16 Financial tips for single people 14:15 Cohabitation and the ‘common law’ marriage 20:42 Prenuptial agreements 22:16 Keeping your financial independence 24:55 Pension Sharing Orders 27:12 What to do when a partner dies
* Just a note to correct some numbers we state on this episode. We say that there are eight million single people living in the UK, when in fact there are actually 28 million. We also say that the Marriage Act was in 1751, but we were a little early and it was actually released in 1753. Further reading: Want to make sure you’ve got all bases covered, no matter what your relationship? Then take a look at these articles from PensionBee.
Other useful resources:
On Thursday 4th May we’ll be recording our first ever episode in front of a live studio audience and we’d love for you to join us. Tickets are absolutely FREE, so if you’d like to attend - just click here.
Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast on YouTube Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow Ellie @ThisGirlTalksMoney on X, Instagram, TikTok and LinkedIn and Paul on LinkedIn. | |||
| E13: How does your financial personality impact your relationship with money? With Timi Merriman-Johnson, Emma Maslin and Brooke Day | 27 Jan 2023 | 00:29:33 | |
It’s a brand new year and we’re back with a brand new series of The Pension Confident Podcast! We kick off Series Two by taking a look at the behaviours that could affect our relationship with money and how we spend it: our financial personalities. According to financial website Investopedia, the five common financial personalities are investors, savers, big spenders, debtors and shoppers. Do you identify with any of these? To discuss what this means for your finances and how you can train yourself to better to manage them are:
Episode Breakdown: 01:13 What are our financial personalities? 05:09 Spenders and shoppers. 08:31 Debtors. 09:30 Investors and savers. 12:15 How to figure out your financial personality. 16:31 How to improve and harness your financial personality. 27:17 Taking stock of matters outside of money.
Further reading: Want to learn more about harnessing your financial personality? Then take a look at these articles from our podcast guest; Emma Maslin and the PensionBee team on The Buzz.
Other useful resources:
Catch up on the latest news, read our transcripts or watch on YouTube: Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow Timi @MrMoneyJar on X, Instagram, TikTok, YouTube and LinkedIn and Emma @TheMoneyWhisperer on Facebook, X, Instagram and LinkedIn. Enjoying the podcast? Then don’t forget to give us a review! As always we’d love to hear your suggestions and feedback. Send us an email: | |||
| S2 TRAILER: The Pension Confident Podcast | 19 Dec 2022 | 00:00:38 | |
The Pension Confident Podcast’s been tackling the key questions surrounding pensions and the wider finance industry for over a year now, and we’re excited to announce that we’ll be back in 2023 with a brand new series to help you make the most of your finances. We’ll be discussing a whole new batch of personal finance topics such as: How your financial personality plays into helping you achieve your money goals and what impact your relationship status can have on your finances. Join Philippa Lamb each month where she’ll be joined by the best brains from across the financial industry, along with experts from the PensionBee team to help you get the best out of your pension. While you wait for Series Two to land, check out our dedicated podcast page on the PensionBee website for all the latest updates, watch our previous series on YouTube or have a read through the transcripts of all of our episodes so far on The Buzz! Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. | |||
| E12: Financial jargon, what does it all mean? With Vix Leyton and Jasper Martens | 09 Dec 2022 | 00:26:14 | |
With Christmas around the corner, our present to you is tackling an issue we all encounter in our pension policies and beyond: financial jargon. From interest rates and income tax, to dividends and bonds, sometimes it feels like the language of personal finance is specifically designed to confuse us. So this month, we try to decipher some of the trickiest terms with the help of:
Episode Breakdown: 01:13 Our least favourite pieces of financial jargon 03:37 Jargon from the cost of living crisis 09:49 Financial Services industry acronyms 12:37 Pension industry jargon 17:29 Pension policy jargon 20:54 How can we further tackle the jargon? *In this episode we briefly mention UK income tax bands, here are the full figures: The current basic rate of 20% applies if you earn between £12,571 and £50,270 per year, the higher rate of 40% applies to everyone who earns between £50,271 and £150,000, and the additional rate of 45% applies to all who earn £151,000 and over. However, as a result of the Autumn Statement on 17 November 2022, the higher and additional tax thresholds will change in the 2023/24 tax year. From April 2023, the higher rate of 40% will apply to those earning between £50,271 and £125,140, and the additional rate of 45% will apply to anyone earning over £125,140. You can find more information on the gov.uk website. We also spoke about inflation in relation to the triple lock on State Pensions. We wanted to add that in the Chancellor’s Autumn Statement, it was confirmed that the State Pension will rise by 10.1% in April 2023 in line with the rate of inflation that was set in September 2022. This means that the full State Pension will increase from £185.15 per week and £9,627.80 per year to £203.85 per week and £10,600 per year.
Jargon list: If you’re stuck on a particular term, here’s a list of some of the jargon we mentioned and a time stamp to help you find it. 03:51 Income tax 04:42 Inflation, RPI and CPI 06:28 Interest rates and the base rate 09:54 FTSE 10:30 IPO 11:43 ISA and LISA 12:53 State Pension triple lock 14:54 Risk 17:30 Annuity 18:32 Drawdown 20:19 Guaranteed Annuity Rate
Further reading: Unfortunately, there’s simply too much financial jargon to cover it all in one episode! To get to grips with even more of the baffling language and details in your pension policies, check out our Pensions Explained pages:
Other useful resources:
Catch up on the latest news, read our episode transcripts or watch on YouTube:
Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow Vix on X, Instagram, TikTok and LinkedIn. Enjoying the podcast? Then don’t forget to give us a review! As always, we’d love to hear your stories and feedback. Send us an email: | |||
| E11: How to prepare for a happy retirement with Faith Archer, Mark Smith and Priyal Kanabar | 24 Nov 2022 | 00:29:32 | |
We’re living longer than we used to, meaning that most of us can look forward to around at least 20 years of retirement. But what does retirement look like to you? Rather than stopping work completely, it might mean working part-time, volunteering, or even starting up your own business!
In this month’s Pension Confident Podcast, we look at visualising your ideal retirement with the financial and lifestyle steps you can take to make it a reality. Philippa Lamb takes the helm as usual and is joined by:
Episode breakdown: 01:23 Guests’ retirement ambitions *Just a note to say that in this episode we mention the State Pension, but don’t clarify how much that is. The current full State Pension is £185.15 per week or £9,627.80 per year. This will rise to £203.85 per week or £10,600 per year in April 2023 as confirmed by the Chancellor’s Autumn Statement. The State Pension age is currently 66, but will rise to 67 by 2028. We also mention that the earliest you can take money out of most private and workplace pensions is currently from age 55, but this will rise to 57 by 2028. For more information, please visit Pensions Explained on our website.
Further reading: For more tips on achieving your dream retirement, check out our latest articles on The Buzz.
Other useful resources:
Catch up on the latest news, read our episode transcripts or watch on YouTube: Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow Faith at @MuchMoreWithLess on X, LinkedIn and Facebook and Mark on LinkedIn. Enjoying the podcast? Then don’t forget to give us a review! As always, we’d love to hear your stories and feedback. Send us an email: | |||
| E10: What are the effects of debt and what can you do if you find yourself in it? With Chris Lees, Lynn Beattie and Tess Nicholson | 26 Oct 2022 | 00:30:56 | |
In 2022, we saw four different Chancellors, a ‘Mini-Budget’ and a major U-turn on some of those measures. All the while, cost of living increases from food shops to forecourts are still impacting us all. On top of this, everyday life events can impact our finances. So, what effect does this have on us, and what can we do if we find ourselves in debt? On this month’s episode, we hear listeners’ stories about their own debt struggles and discussion from:
Episode Breakdown: The causes of debt The effects of debt on your mental health The help available if you’re struggling financially Listeners’ debt stories Lynn Beattie’s personal debt recovery story *If you’re struggling with your mental health because of concerns about debt or anything else and need to talk to someone, call SAMARITANS on 116 123 - they are open 24 hours a day, 365 days a year. You can also text the word ‘SHOUT’ to 85258 and speak to a volunteer, anonymously. If you’re concerned for the immediate safety of yourself or someone else, then always call 999. For non-emergencies, call 111, or speak to your GP who can refer you to your local NHS Mental Health Trust.
Further reading: For more information on the issues raised in this episode, follow these useful links from the PensionBee website:
Other useful resources:
Catch up on the latest news, read our episode transcripts or watch on YouTube: Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow @MoneyandMentalHealth on Facebook, X and LinkedIn and Lynn @MrsMummyPenny on X, TikTok, Instagram, LinkedIn and Facebook. Enjoying the podcast? Then don’t forget to give us a review! As always, we’d love to hear your stories and feedback. Send us an email: | |||
| E9: How to reduce the risk of money worries affecting your mental health with Lila Pleban, Dennis Relojo-Howell and Tess Nicholson | 27 Sep 2022 | 00:25:50 | |
According to research from the Money and Mental Health Policy Institute, 46% of people who’re struggling with household debts also suffer from a mental health problem. So, how can we reduce the risk of money worries impacting our mental health? Philippa Lamb is joined by:
Episode breakdown: Personal experiences from Dennis, Lila and Tess Who might be most affected by money worries What you can do to protect yourself What the government should do to alleviate the problem *If you’re struggling right now and need to talk to someone, call SAMARITANS on 116 123 - they are open 24 hours a day, 365 days a year. You can also text the word ‘SHOUT’ to 85258 and speak to a volunteer, anonymously. If you’re concerned for the immediate safety of yourself or someone else, then always call 999. For non-emergencies, call 111, or speak to your GP who can refer you to your local NHS Mental Health Trust.
Further reading: Read more about the relationship between your finances and mental health on our website:
Other useful resources:
Catch up on the latest news, read our episode transcripts or watch on YouTube: Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow @FSCS on Facebook, X, Instagram and LinkedIn and Dennis @Psychreg on X, Instagram, Facebook, LinkedIn and YouTube. Enjoying the podcast? Then don’t forget to give us a review! We’re keen to hear your feedback. Contact us on: | |||
| E8: How to teach kids about money with Laura Miller, Will Carmichael and Emma Maslin | 21 Jul 2022 | 00:24:16 | |
According to the Money & Pensions Service, almost 40% of adults in the UK don’t feel confident managing their money, yet we’re expected to be financially literate and confident enough to educate our children. From picking a suitable savings account, to choosing when you can afford to retire, there’s a lot to learn when it comes to making the ‘right’ decisions with our money. So, when and how should we learn about money? Business and Finance journalist Laura Miller steps in for Philippa Lamb this month, and is joined by:
*In this episode we mention that financial education isn’t taught until secondary school. We’d like to clarify that this is only the case in England, and that in Scotland, Wales, and Northern Ireland, children do receive financial education as part of the primary school curriculum.
Further reading: Read more on teaching kids about finance on our website:
Other useful resources:
Catch up on the latest news, read our episode transcripts or watch on YouTube: Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow Emma @TheMoneyWhisperer on Facebook, X, Instagram and LinkedIn and Will @NatWestRoosterMoney on X, LinkedIn, Instagram and Facebook. Enjoying the podcast? Then don’t forget to give us a review! Send your thoughts and ideas to: | |||
| E29: Pensions vs. cash - which is best? With Holly Mackay and Martin Parzonka | 30 Jun 2024 | 00:30:46 | |
Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.
Since the start of 2022, the Bank of England has raised the base interest rate 13 times. So it’s no surprise that savers are reconsidering where to put their money. Cash savings are easily accessible but may lose value due to inflation. Meanwhile, pensions offer potential long-term growth but lock away funds until retirement. This month on The Pension Confident Podcast we’re talking about the pros and cons of pensions and cash - how can you make the most of both? Join our host, Philippa Lamb, and our expert panel as they discuss building an emergency fund, making the most of your cash savings and saving for retirement.
Episode Breakdown: 01:36 How does inflation eat away at our money? 02:52 Shopping around for the best rate 07:44 Building an emergency fund 10:51 State benefits that are impacted by savings 11:57 What are the rules on cash savings? 16:39 Small steps to save for your future 18:26 Are pensions ‘hot’? 22:36 The case for personal pension saving Further reading: To learn more about where you could put your savings, check out these articles and podcasts from PensionBee:
Catch up on the latest news, read our transcripts or watch on YouTube:
Follow PensionBee (@PensionBee) on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Boring Money (@boringmoney) on X, Instagram, TikTok, Facebook and LinkedIn. | |||
| E7: How to stay safe from fraud and financial scams with Michelle Cracknell CBE, Lisa Markey and Jonathan Lister Parsons | 20 Jun 2022 | 00:25:26 | |
According to the Office for National Statistics; in the year to March 2021, there were more than four million offences recorded for fraud alone! Action Fraud says that criminals walked off with more than £2.3 billion. Now you might think you're too savvy to be caught out. But are you confident you know how to spot a scam? Giving their tips on the signs to look out for and how you can stop yourself from getting scammed are:
Further reading: Read more on what you can do to avoid being scammed on our website.
Other useful resources:
Catch up on the latest news, read our episode transcripts or watch on YouTube: Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow Michelle and Lisa on LinkedIn. Enjoying the podcast? Then don’t forget to give us a review! Send your thoughts and ideas to: | |||
| E6: What are Shariah investments? With Ibrahim Khan and Martin Parzonka | 24 May 2022 | 00:25:20 | |
Recent data from Reuters estimates the global market for Shariah funds has grown by more than 300% in the last decade. So, there’s increasing demand for Islamic investments but how are they different from other investments? Joining us to discuss what the details of Shariah investments and whether even non-Muslims might benefit from halal pensions are:
Further reading: Read more about Shariah investing on the PensionBee website:
Other useful resources:
Catch up on the latest news, read our episode transcripts or watch on YouTube: Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow Ibrahim @IslamicFinanceGuru on X, Instagram, TikTok, LinkedIn, Facebook and YouTube. Enjoying the podcast? Then don’t forget to give us a review! Drop us an email with your feedback and ideas at: | |||
| E5: The cost of living crisis with Lynn Beattie, Scott Mowbray and Clare Reilly | 26 Apr 2022 | 00:25:28 | |
The Office for National Statistics reported that the price of consumer goods are increasing at the highest rate in almost 30 years. With people having to choose between heating their homes and buying their groceries, what can we do to cope with the current cost living crisis? What are the causes, when will it all be over and how does your pension fit into all of this? Our guests this month are:
*Please note that figures mentioned at the beginning of this episode are estimated based on the performance of the MSCI World (GBP) provided by State Street Global Advisors as at 31 March 2022. Figures are subject to rounding.
Further support: If you’re struggling, support is available. Here are some charities we highlighted in the podcast.
Further reading: Read more about the cost of living crisis and latest tax changes on the PensionBee website.
Other useful resources:
Catch up on the latest news, read our episode transcripts or watch on YouTube: Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow Lynn @MrsMummyPenny on X, TikTok, Instagram, LinkedIn and Facebook and Scott @SnoopApp on X, Instagram, Facebook and LinkedIn. Enjoying the podcast? Then don’t forget to give us a review! Your feedback and ideas are always appreciated, send us an email to: | |||
| E4: Should you pay more into your mortgage or pension? With Abba Newbery, Ken Okoroafor and Rachael Oku | 24 Mar 2022 | 00:21:20 | |
Data from the Office for National Statistics suggests that one in four people think of their property as a way of funding retirement. The property market has seen huge growth over the decades, rising way above inflation. But does investing in property at the expense of your pension really make more sense financially? We look into the mortgage versus pension debate with the help of:
*Just a couple of extra points around pensions and beneficiaries that we didn’t mention on the podcast:
Further reading: Read more on what to think about when weighing up the advantages of pensions or property on our website:
Other useful resources:
Catch up on the latest news, read our episode transcripts or watch on YouTube: Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow Abba on X and LinkedIn and Ken @TheHumblePenny on X, TikTok, Instagram, Facebook, YouTube and LinkedIn. Don’t forget to leave us a review and send your feedback and ideas to: | |||
| E3: How do we tackle the gender pension gap? With Sam Brodbeck, Emilie Bellet and Romi Savova | 24 Feb 2022 | 00:26:44 | |
PensionBee research tells us that women face real obstacles when it comes to creating a comfortable retirement. In fact, the average disparity between men and women’s pensions is 38% and has grown to almost 60% in some parts of the UK. So, how did we get here? What’s standing in the way of women saving enough for their retirement? And what can we do about this problem? Joining us to answer these questions are:
Further reading: Learn more about the gender pension gap with our engaging articles.
Catch up on the latest news, read our episode transcripts or watch on YouTube: Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow Sam on X and LinkedIn and Emilie Bellet @VestPod on Instagram, X, TikTok, Facebook, YouTube and LinkedIn. Enjoying the podcast? Then don’t forget to give us a review! Shoot us any questions or feedback to: | |||
| E2: How to keep your self-employed pension on track with Emma Jones CBE and Martin Parzonka | 24 Jan 2022 | 00:21:19 | |
According to government data, over 4.1 million people now work for themselves. However, statistics suggest that less than a quarter of self-employed people are actively saving towards their retirement. We explore what you need to know when it comes to your self-employed pension, with the help of:
*In case it wasn't clear enough on the podcast, we'd like to clarify that tax-relievable personal contributions are limited to the lower of personal earnings and the annual allowance (£40k). Employer contributions, such as those made from your limited company, may be more than your earnings but are limited by the annual allowance (£40k).
Further reading: You can find out more about managing your self-employed pension and all the tax facts through the handy links below:
Other useful resources:
Catch up on the latest news, read our episode transcripts or watch on YouTube: Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow Emma on LinkedIn and @EnterpriseNation on X, Instagram, Facebook. Enjoying the podcast? Then don’t forget to give us a review! For feedback and suggestions, feel free to email us: | |||
| E1: How to make a positive impact with your pension with Damien Fahy and Clare Reilly | 29 Nov 2021 | 00:34:44 | |
In the first episode of The Pension Confident Podcast we ask the question: can you really help tackle climate change with your pension’s investment choices? We also discuss how you may be able to get the equivalent of a £30,000 annual pension income by investing as little as £80 a month. Joining us in the studio are:
Catch up on the latest news, read our episode transcripts or watch on YouTube: Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn. Follow Damien @MoneytotheMasses on X, TikTok, Instagram, Facebook, YouTube and LinkedIn. Enjoying the podcast? Then don’t forget to give us a review! Got any feedback or ideas for future episodes? Send us an email to:
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| Introducing The Pension Confident Podcast | 12 Nov 2021 | 00:00:57 | |
We get it, pensions can be complicated. That’s why PensionBee's on a mission to make them simple. Every month Philippa Lamb is joined by experts from the PensionBee team and some of the best brains in personal finance to discuss the biggest topics impacting your pension. Would you like to know the ins and outs of investing in your mortgage versus saving towards a pension? Or perhaps you want to know the best way to prepare yourself for a happy retirement? Subscribe today to keep up-to-date with all you need to know about the world of pensions and personal finance on The Pension Confident Podcast!
Catch up on the latest news, read our episode transcripts or watch on YouTube: Follow @PensionBee on X, Instagram, TikTok, Facebook, Threads and LinkedIn.
Enjoying the podcast? Then don’t forget to give us a review! Send feedback and ideas for future episodes to: | |||
| BONUS EPISODE: Personal finance tips from the experts part four | 19 Jun 2024 | 00:10:45 | |
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: podcast@pensionbee.com Listen to part four of our personal finance tips and hear from our expert guests as they discuss switching current accounts, sharing parental leave and why you should be talking about money with your loved ones. Listen to parts one, two and three. In this bonus episode, you’ll hear helpful tips from:
Episode Breakdown: 00:25 The benefits of switching current accounts 02:03 Saving vs. investing your money 04:24 Investment accounts and fees 05:58 Parental leave and pensions 07:31 Separating personal and business finances 09:14 Talking about money with loved ones.
Catch up on the latest news, read our transcripts or watch on YouTube: Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn. | |||
| E28: The Bank of Mum and Dad - what’s the impact on your pension? With Mark Bogard, Timi Merriman-Johnson and Becky O’Connor | 31 May 2024 | 00:29:41 | |
Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.
For many young people, the only way to afford university or to get a foot on the property ladder is with financial support from family members. According to a report by The Institute for Fiscal Studies (IFS), almost a third of young people receive at least one transfer during their 20s and early 30s - most commonly from a parent.
This month on The Pension Confident Podcast we’re discussing the hot topic of ‘the Bank of Mum and Dad’. Join our host, Philippa Lamb, and our expert panel as they discuss how to talk about money with family, setting healthy boundaries, and strategies for safeguarding your financial future.
Episode Breakdown: 01:46 The Bank of Mum and Dad in practice. 05:10 Planning for predictable financial support. 08:13 Helping financially while your child’s studying. 10:43 Funding your child’s big adult milestones. 14:14 Implications of dipping into your savings. 17:31 Ongoing bankrolling and protecting your financial security. 20:35 Treating children equally or equitably? 22:55 Making sure you’re on the same page. 24:51 A living versus willed inheritance. Further reading: To learn more about financial relationships with family, check out these articles and podcasts from PensionBee:
Other useful resources:
Catch up on the latest news, read our transcripts or watch on YouTube:
Follow PensionBee (@PensionBee) on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow the Family Building Society (@FamilyBSoc) on X, Facebook and LinkedIn. Follow Timi (@mrmoneyjar) on X, Instagram, TikTok, Facebook and LinkedIn. | |||
| BONUS EPISODE: How to manage your money and mental health | 15 May 2024 | 00:15:27 | |
Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.
It’s Mental Health Awareness Week so in this bonus episode of The Pension Confident Podcast, we’re revisiting a really important topic - how to manage your money and your mental health. Tune in to hear the best bits from episode nine and hear from Philippa Lamb and our expert panel as they discuss how to talk about money, mental health and more. We hear from:
Episode Breakdown: 01:10 Personal experiences from the guests 04:12 Financial support from the FSCS 05:20 Early warnings signs of money and mental health struggles 06:45 How are money and mental health linked? 07:44 Money worries in retirement 09:26 How to manage money worries 10:25 Where to turn for financial support 11:39 Tips for keeping on top of your finances 12:32 Tips for managing your mental health 13:20 How to talk about money worries.
*If you’re struggling right now and need to talk to someone, call SAMARITANS on 116 123 - they are open 24 hours a day, 365 days a year. You can also text the word ‘SHOUT’ to 85258 and speak to a volunteer, anonymously. If you’re concerned for the immediate safety of yourself or someone else, then always call 999. For non-emergencies, call 111, or speak to your GP who can refer you to your local NHS Mental Health Trust. Further reading:To learn more about money and mental health, check out these articles and podcasts from PensionBee:
Other useful resources:
Catch up on the latest news, read our transcripts or watch on YouTube:
Follow PensionBee (@PensionBee) on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow the Financial Services Compensation Scheme (@FSCS) on Facebook, X, Instagram and LinkedIn. Follow Dennis Relojo-Howell (@Psychreg) on X, Instagram, Facebook, LinkedIn and YouTube. | |||
| E27: The cost of friendship with Dr. Tara Quinn-Cirillo, Niaz Azad and Brooke Day | 28 Apr 2024 | 00:30:00 | |
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: podcast@pensionbee.com.
We all know friendship is priceless, but navigating social circles where some people are a lot better off than others may be a minefield. According to Intuit, Gen Z would rather discuss sex, politics and infertility struggles than their salaries, debt, and bad investments.
So how can you maintain strong friendships while navigating different bank balances and spending habits? This month on The Pension Confident Podcast we’re looking at the costs associated with friendship. Join our host, Philippa Lamb, and our expert panel as they discuss how to talk about money with friends, overcoming envy and more. This month we hear from:
Episode Breakdown: 01:29 How to discuss money fairly 06:10 Navigating a financial divide 11:20 How friendship expenses can snowball 16:28 Overcoming envy 18:58 As you and your friends get older 22:31 When life throws you curveballs 25:38 Lending money to friends 27:57 Knowing when to let go. Further reading: To learn more about the cost of friendship, check out these articles from PensionBee:
Other useful resources:
Catch up on the latest news, read our transcripts or watch on YouTube:
Follow PensionBee (@PensionBee) on X, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Millennial Money UK (@MillMoneyUK) on X, Instagram, Facebook and LinkedIn. Follow Dr. Tara Quinn-Cirillo (@CirilloDr) on X, Instagram, Facebook and LinkedIn. | |||
| BONUS EPISODE: Personal finance tips from the experts part three | 10 Apr 2024 | 00:05:50 | |
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: podcast@pensionbee.com
Part three of our personal finance tips is here! In this bonus episode,our expert guests discuss budgeting, what to know before you get started with investing, plus they share a property mistake you may have made too. Get started on your financial spring cleaning and hear helpful tips from:
Episode Breakdown: 00:45 Monthly subscriptions 01:20 Saving little and often 02:13 Saving for your kids 02:49 Getting started with investing 03:50 Investing in property 04:56 The benefits of life insurance.
Catch up on the latest news, read our transcripts or watch on YouTube:
Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn. | |||
| BONUS EPISODE: Personal finance tips for parents part two | 18 Sep 2024 | 00:10:56 | |
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: podcast@pensionbee.com.
In this bonus episode of The Pension Confident Podcast, we return with part two of our financial crash course for parents. If you haven’t heard part one yet don’t worry, you can go back and find it on our feed. Tune in to hear the best bits from episodes eight and 23, as our host, Philippa Lamb and our expert guests cover everything from pocket money economics to talking to your children about how debt works. We hear from:
Episode Breakdown: 01:03 Understanding compound interest 02:22 Pocket money economics 04:05 Teaching kids about debt 05:29 Juggling a family and finances 06:39 Differentiating between rich and wealthy 08:24 How kids can teach us about money Further reading and listening: To learn more about personal finance tips for new parents, check out these articles and podcasts from PensionBee:
Catch up on the latest news, read our transcripts or watch on YouTube:
Follow PensionBee (@PensionBee) on X, YouTube, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Emma Maslin (@MoneyWhisperer_) on X, Threads, Instagram, Facebook and LinkedIn. Follow Laura Miller (@thatlaurawrites) on X and LinkedIn. Follow NatWest Rooster Money (@rooster_money) on X, YouTube, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Lynn Beattie (@MrsMummypennyUK) on YouTube, Instagram, Facebook and LinkedIn. | |||
| E31: How can I improve my credit score? With John Webb, Clare Seal and Luis Mejia | 29 Sep 2024 | 00:30:34 | |
Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.
Most people have heard of the term ‘credit score’ but often that’s as far as it goes. What is your credit score, how is it calculated and why does it even matter?
This month on The Pension Confident Podcast we’re talking about the dark-art of how to improve your credit score. Join our host, Philippa Lamb, and our expert panel as they discuss the ins and outs of our financial history and the impact it can have on our financial future.
Episode Breakdown: 01:08 What is a credit score and why does it matter?
Further reading: To learn more about some of the themes discussed, check out these articles and podcasts from PensionBee:
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Catch up on the latest news, read our transcripts or watch on YouTube:
Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Clare Seal (@clare.seal) on Instagram, LinkedIn and X. Follow Experian (@Experian_UK) on X, YouTube, Instagram, TikTok, Facebook and LinkedIn. Follow John Webb on LinkedIn.
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