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243 afleveringen, van nieuw naar oud
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Seven Year Itch: The Portfolios That Tempt Us to Switch
4 november 2026 · 39 min
We confess which core allocations tempt us to jump ship, and try to work out whether we’re responding to a real change in our lives or just a strategy that’s had a good run. Lees meer
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Canary in the Data Centre: Is Credit Calling Time on AI?
28 oktober 2026 · 35 min
The cost of insuring against Big Tech defaults has hit record highs, as massive data centre spending eats up free cashflow. Further down the AI food chain, markets are pricing in serious odds that CoreWeave defaults, and treating Oracle more like a junk borrower than a tech giant. Lees meer
Is the credit market spotting cracks the stock market has missed?
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Thank you to Trading 212 for sponsoring this episode.
Claim free fractional shares worth up to £100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link:
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When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
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Get in touch
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Picking Winners: Can Concentration Keep Paying Off? with Stephen Yiu
21 oktober 2026 · 51 min
The Blue Whale Growth Fund has delivered outsized returns since its inception nine years ago. Recently those returns have come from concentrated bets on the picks and shovels behind the AI boom. Lees meer
We talk to Stephen Yiu, Chief Investment Officer, about how he picks stocks, when he decides to sell, and what the recent chip sell-off means for a fund built on AI hardware.
---
Thank you to Trading 212 for sponsoring this episode.
Claim free fractional shares worth up to £100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link:
Sponsored Link. Terms apply - trading212.com/join/RAMIN
When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
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Get in touch
📧 mhr@pensioncraft.com
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Is Now the Time to Bet Big on Small-cap Value?
14 oktober 2026 · 42 min
After a decade in the doghouse, small-cap value has had its best run in years, but almost nobody noticed. So is this a real premium that’s finally paying out, or just a good year for cheap stocks? We ask what actually drives returns and how you can buy them. Lees meer
---
Thank you to Trading 212 for sponsoring this episode.
Claim free fractional shares worth up to £100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link:
Sponsored Link. Terms apply - trading212.com/join/RAMIN
When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
---
Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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The High Life: Would You Rather Live in a High or Low-Yield Country?
7 oktober 2026 · 35 min
A Swiss government bond pays half a percent a year. A British one pays more than five. Easy choice, you'd think. But yields can cut both ways. A low yield can mean the world trusts you with its money, or that your economy has stagnated. And high yields can be a sign of a strong economy, or that bond investors are getting nervous. Lees meer
So, low yields or high ones, which would you rather live with?
---
Thank you to Trading 212 for sponsoring this episode.
Claim free fractional shares worth up to £100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link:
Sponsored Link. Terms apply - trading212.com/join/RAMIN
When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
---
Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Cancel Culture: What Happens When AI Agents Do Your Admin?
30 september 2026 · 37 min
Many companies make their money from friction — forgotten subscriptions, tricky cancellations, loyalty penalties. Now AI agents promise to do all the tedious admin and save you money. So is this the end of the laziness tax? Are we about to see subscription-based moats collapse? Lees meer
---
Thank you to Lightyear for sponsoring this episode.
I opened my 2025/2026 ISA with Lightyear. If you want to try them out as well, use PENSIONCRAFT to get between £10 and £100 in a fractional share or ETF in your General Investment Account.
See full T&Cs at https://lightyear.com/pensioncraft. Investing involves risk. Returns vary and are not guaranteed. ISA rules and promotional terms apply.
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Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Central Bank Dilemma: Would You Vote to Hike Rates?
23 september 2026 · 37 min
Three hikes and a hold in eight days, all in answer to the same energy shock. So why did the Fed, the ECB and the Bank of Japan raise rates, while the Bank of England sat tight, despite facing the worst inflation path of the four? So would you vote to hike? Lees meer
---
Thank you to Lightyear for sponsoring this episode.
I opened my 2025/2026 ISA with Lightyear. If you want to try them out as well, use PENSIONCRAFT to get between £10 and £100 in a fractional share or ETF in your General Investment Account.
See full T&Cs at https://lightyear.com/pensioncraft. Investing involves risk. Returns vary and are not guaranteed. ISA rules and promotional terms apply.
---
Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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The Madness of Markets, with Alex Edmans
16 september 2026 · 52 min
Markets are meant to be efficient, yet somehow they keep producing meme-stock frenzies, CEO vanity projects, and wild booms and busts. Lees meer
We're joined by Alex Edmans — Professor of Finance at London Business School and author of The Madness of Markets — joins us to discuss why even smart investors lose their heads.
---
Thank you to Lightyear for sponsoring this episode.
I opened my 2025/2026 ISA with Lightyear. If you want to try them out as well, use PENSIONCRAFT to get between £10 and £100 in a fractional share or ETF in your General Investment Account.
See full T&Cs at https://lightyear.com/pensioncraft. Investing involves risk. Returns vary and are not guaranteed. ISA rules and promotional terms apply.
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Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Will AI Hack My Accounts and Steal All My Money?
9 september 2026 · 38 min
The Financial Stability Board says frontier AI is the most immediate threat to the financial system — above sovereign debt, private credit and equity valuations. As AI learns to find and exploit vulnerabilities faster than humans can patch them, are our banks about to be hacked? Lees meer
---
Thank you to Lightyear for sponsoring this episode.
I opened my 2025/2026 ISA with Lightyear. If you want to try them out as well, use PENSIONCRAFT to get between £10 and £100 in a fractional share or ETF in your General Investment Account.
See full T&Cs at https://lightyear.com/pensioncraft. Investing involves risk. Returns vary and are not guaranteed. ISA rules and promotional terms apply.
---
Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Mind Your Step: Before You Build a Bond Ladder
2 september 2026 · 44 min
Bond ladders are a great way to feel in control of your money. A neat row of gilts maturing year after year, each one handing back its capital right on schedule. But before you buy your first rung, it's worth asking what the ladder is for, what you’re giving up for that certainty, and whether something simpler would do. Lees meer
And in today’s Dumb Question of the Week: Has a developed market ever defaulted on its debt?
---
Thank you to Lightyear for sponsoring this episode.
I opened my 2025/2026 ISA with Lightyear. If you want to try them out as well, use PENSIONCRAFT to get between £10 and £100 in a fractional share or ETF in your General Investment Account.
See full T&Cs at https://lightyear.com/pensioncraft. Investing involves risk. Returns vary and are not guaranteed. ISA rules and promotional terms apply.
---
Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
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Join PensionCraft
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▶️ Subscribe on YouTube
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Zero Sum: Investing in a World Without Growth
26 augustus 2026 · 48 min
Humanity has just fallen below replacement fertility for the first time in history. A new paper challenges everything we thought we knew about population decline and economic growth. So what happens to your portfolio when the pie stops growing? Lees meer
And in the Dumb Question of the Week: Did the Black Death make Europe rich?
---
Thank you to Trading 212 for sponsoring this episode.
Claim free fractional shares worth up to £100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link:
Sponsored Link. Terms apply - trading212.com/join/RAMIN
When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
---
Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
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Join PensionCraft
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Defending the Yen: Can Governments Beat Currency Markets?
19 augustus 2026 · 42 min
The Japanese and US governments just spent an estimated $80 billion propping up the yen — and within a fortnight, the market had pocketed half of it. We ask whether politicians can ever actually beat currency traders. Lees meer
And in the Dumb Question of the Week: Why can't the government just pick whatever exchange rate it likes?
---
Thank you to Trading 212 for sponsoring this episode.
Claim free fractional shares worth up to £100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link:
Sponsored Link. Terms apply - trading212.com/join/RAMIN
When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
---
Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
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Join PensionCraft
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Record Profits: The Importance of Beating Earnings
12 augustus 2026 · 39 min
Corporate America has just delivered its best earnings season in years — record beats, record margins, and growth numbers that look almost too good to be true. Which is convenient, because some of them are. Meanwhile, Europe is also delivering the goods. We discuss what's driving the blowout quarter on both sides of the Atlantic. Lees meer
And in today’s Dumb Question of the Week: Why do companies report every three months?
---
Thank you to Trading 212 for sponsoring this episode.
Claim free fractional shares worth up to £100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link:
Sponsored Link. Terms apply - trading212.com/join/RAMIN
When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
---
Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Senior Management: Who Looks After Your Money When You Can't?
5 augustus 2026 · 39 min
Your ability to manage money declines steadily after sixty. Yet your confidence in that ability doesn't decline at all, so mistakes get made with total conviction and go unnoticed, especially by you. What you can do now to protect your portfolio before you reach old age? Lees meer
And in the Dumb Question of the Week: How do you raise this with your parents without it becoming a fight?
---
Thank you to Trading 212 for sponsoring this episode.
Claim free fractional shares worth up to £100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link:
Sponsored Link. Terms apply - trading212.com/join/RAMIN
When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
---
Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
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Join PensionCraft
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Beta Noire: Unsolved Mysteries of the Market
29 juli 2026 · 39 min
Economists have spent half a century building elegant models of how markets work, and the markets have spent half a century ignoring them. We investigate the great unsolved mysteries of investing. Lees meer
And in the Dumb Question of the Week: If nobody can explain why stocks beat bonds, why are we confident they’ll keep doing it?
---
Thank you to Raisin UK for sponsoring this episode.
Receive a £100 welcome bonus when you register for a Raisin UK account using the code JULY100, open a fixed-rate bond with a term of 1 year or longer and deposit a minimum of £25,000 by 31 July 2026.
https://raisin-uk.pxf.io/c/4012142/3930337/12683?sharedid=uk-cmp-bonus-pensioncraft-podcasts-0726
New customers only, terms apply.
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Get in touch
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🎧 many-happy-returns.captivate.fm
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Join PensionCraft
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Gilt Complex: Is Britain in Hock to the Bond Market?
22 juli 2026 · 40 min
Andy Burnham once said Britain had to “get beyond being in hock to the bond market”. That’s easier said than done when gilt yields are 5%, debt interest is running above £100bn a year, and the autumn Budget has no headroom left. Can the UK escape fiscal fatalism? Lees meer
And in the Dumb Question of the Week: What's the oldest bond in the world? And is anyone still getting paid?
---
Thank you to Raisin UK for sponsoring this episode.
Receive a £100 welcome bonus when you register for a Raisin UK account using the code JULY100, open a fixed-rate bond with a term of 1 year or longer and deposit a minimum of £25,000 by 31 July 2026.
https://raisin-uk.pxf.io/c/4012142/3930337/12683?sharedid=uk-cmp-bonus-pensioncraft-podcasts-0726
New customers only, terms apply.
---
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📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
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Join PensionCraft
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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The Declaration of Outperformance: Is America Still Exceptional?
15 juli 2026 · 46 min
Warren Buffett says “never bet against America”. But plenty of people spent the last eighteen months doing exactly that — betting the dollar would be dethroned and the "Sell America" trade would finally pay off. They're still waiting. We ask whether the United States is still exceptional, or just expensive. Lees meer
And in the Dumb Question of the Week: Is the US the best performing stock market ever?
---
Thank you to Raisin UK for sponsoring this episode.
Receive a £100 welcome bonus when you register for a Raisin UK account using the code JULY100, open a fixed-rate bond with a term of 1 year or longer and deposit a minimum of £25,000 by 31 July 2026.
https://raisin-uk.pxf.io/c/4012142/3930337/12683?sharedid=uk-cmp-bonus-pensioncraft-podcasts-0726
New customers only, terms apply.
---
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🎧 many-happy-returns.captivate.fm
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Portfolio Positions: Your Starting XI of Asset Classes
8 juli 2026 · 41 min
As the World Cup reaches the quarter finals, we name our starting XI of asset classes. From the goalkeeper who does nothing for eighty-nine minutes to the super-sub you should never mistake for a starter. Lees meer
And in today’s Dumb Question of the Week: Does the World Cup affect stock prices?
---
Thank you to Raisin UK for sponsoring this episode.
Receive a £100 welcome bonus when you register for a Raisin UK account using the code JULY100, open a fixed-rate bond with a term of 1 year or longer and deposit a minimum of £25,000 by 31 July 2026.
https://raisin-uk.pxf.io/c/4012142/3930337/12683?sharedid=uk-cmp-bonus-pensioncraft-podcasts-0726
New customers only, terms apply.
---
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📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
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Join PensionCraft
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
-
Your Career is a High-Yield Bond (And It’s Probably Junk)
1 juli 2026 · 36 min
Your "Human Capital" might be the largest asset you own, and it behaves like a bond. Seeing your career as a volatile asset might change how you think about saving, investing, and employment. Lees meer
And in today’s Dumb Question of the Week: Do I need Income Protection Insurance?
---
Thank you to Raisin UK for sponsoring this episode.
Receive a £100 welcome bonus when you register for a Raisin UK account using the code JULY100, open a fixed-rate bond with a term of 1 year or longer and deposit a minimum of £25,000 by 31 July 2026.
https://raisin-uk.pxf.io/c/4012142/3930337/12683?sharedid=uk-cmp-bonus-pensioncraft-podcasts-0726
New customers only, terms apply.
---
Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Sequence and Sensibility: Is Now a Good Time to Retire?
24 juni 2026 · 42 min
On paper, now looks like a fine time to retire. Annuity rates are generous, gilts finally pay a real return, and even cash earns its keep. But retire into a richly-valued market and a bad first few years can ravage a pot you can't easily rebuild. Lees meer
And in today’s Dumb Question of the Week: Can you un-retire?
---
Thank you to Trading 212 for sponsoring this episode.
Claim free fractional shares worth up to £100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link:
Sponsored Link. Terms apply - trading212.com/join/RAMIN
When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
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Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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How the AI Investment Boom Ends, with Tom Stevenson
17 juni 2026 · 35 min
The AI boom has all the signs of a bubble. An exciting new technology, stretched valuations, extreme concentration, circular financing, and uncertain cash flows. But how does it all end? Tom Stevenson joins us to game it out: a dot-com-style pop? A slow puncture? Or is this time really different? Lees meer
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When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
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Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Paws and Reflect: The Surprising Science of Who Wins at Investing
10 juni 2026 · 47 min
The best investors aren't necessarily the cleverest, the best-paid, or the most daring. In fact the evidence suggests they're closer to the opposite. We look at the backgrounds and temperaments that may outperform. Lees meer
And in the Dumb Question of the Week: Are cats better stockpickers than fund managers?
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When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
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Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Reserve Judgment: How To Run a Central Bank
3 juni 2026 · 44 min
The Powell era is over — a pandemic, two wars, and the worst inflation in four decades. We ask whether JPow did a good job, or just survived it. Now Kevin Warsh inherits the chair. But what actually changes? Lees meer
Beneath the handover lie bigger questions: what a central bank is really for, who it answers to, and whether any of it works the way they claim.
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When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
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Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Space Oddity: Is the Biggest IPO in History a Problem for Index Funds?
27 mei 2026 · 40 min
The largest IPO in history is three weeks away. SpaceX is aiming for a valuation of almost $2 trillion despite reporting massive losses. We ask what happens when our beloved index funds are forced to buy the AI giants, whatever the price? Lees meer
And in the Dumb Question of the Week: Why does an IPO need 23 banks?
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Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Rising Yields: Gilty Until Proven Innocent?
20 mei 2026 · 35 min
With gilt yields at their highest since 1998 — has the bond market finally lost patience with Britain? We ask whether this is really a UK problem, if the Bank of England is pouring petrol on the fire, and whether gilt yields above 5% are a bargain or a trap. Lees meer
And in today’s Dumb Question of the Week: What's the difference between RPI and CPI?
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Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
-
Britain's Slow-Motion House Price Crash
29 april 2026 · 34 min
For two decades, calling a UK house price crash has been a reliable way to look clever and be wrong. But while nominal prices have barely moved, a slow grind is reshaping affordability, rents and the housebuilding sector. Lees meer
And in today’s Dumb Question of the Week: Are short-term fixed-rate mortgages a problem?
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When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
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Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Making Sense of a Weird Market: Record Highs, Sticky Inflation, and Silent Alarms
22 april 2026 · 35 min
Stocks have rallied to record highs while the Iran war is merely paused, oil prices are elevated, and inflation remains sticky. But while equity investors cheer the recovery, is the bond market quietly telling a different story? Lees meer
And in today’s Dumb Question of the Week: What is the crack spread?
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When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
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Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
-
Do Your Own Research: What Real Investment Research Actually Looks Like
15 april 2026 · 46 min
"Do Your Own Research" is one of the most parroted phrases in investing — slapped on every stock tip, TikTok video and crypto tweet. But what does good research actually look like for a retail investor? Lees meer
And in today’s Dumb Question of the Week: Do contrarian investors actually make money?
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When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
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Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Statistical Sleight of Hand: How Good Numbers Hide Bad Investments
8 april 2026 · 40 min
The investing world runs on numbers. We look at the statistical tricks that make bad investments look good, mediocre track records look brilliant, and risks disappear entirely. Lees meer
And in the Dumb Question of the Week: What makes a finding 'statistically significant'?
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When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
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Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
-
Shopping the Drop: Is Anything Actually Cheap?
1 april 2026 · 36 min
After weeks of market turmoil, asset prices across the board are lower than they were. But is anything actually cheap yet? We grab our valuation toolkit and go bargain hunting across stocks, bonds, and commodities to find out what's on sale. Lees meer
And in the Dumb Question of the Week: Does valuation tell you anything?
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When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
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Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
-
Your Portfolio Wasn't Built for This
25 maart 2026 · 46 min
Your portfolio was probably designed for falling interest rates and cheap oil. That is no longer the world we live in. Equity indices have minimal energy exposure. Bonds amplify losses during a rising rate environment. And even gold is down 20% from its peak. So what you can actually do when the big asset classes are struggling? Lees meer
And in the Dumb Question of the Week: What is the Bloomberg Aggregate Bond Index?
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Thank you to Lightyear for sponsoring this episode.
I opened my 2025/2026 ISA with Lightyear. If you want to try them out as well, use PENSIONCRAFT to get between £10 and £100 in a fractional share or ETF in your General Investment Account. See full T&Cs at lightyear.com/pensioncraft. Capital at risk. ISA terms apply. Promotional terms apply.
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Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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The War of Unintended Consequences: Oil, Inflation, and Interest Rates
18 maart 2026 · 45 min
You've seen the oil price soar. But crude is just the start—the Iran conflict is sending shockwaves through natural gas, fertiliser, helium and a host of other commodities we take for granted. What does it all mean for inflation, interest rates, and how you might want to position your portfolio? Lees meer
And in the Dumb Question of the Week: Does the futures curve predict where prices are going in the future?
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Thank you to Lightyear for sponsoring this episode.
I opened my 2025/2026 ISA with Lightyear. If you want to try them out as well, use PENSIONCRAFT to get between £10 and £100 in a fractional share or ETF in your General Investment Account. See full T&Cs at lightyear.com/pensioncraft. Capital at risk. ISA terms apply. Promotional terms apply.
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This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Damien Talks Money: What Investors Click vs. What They Need
11 maart 2026 · 52 min
What does popular finance content reveal about everyday investors? Damien Jordan from Damien Talks Money joins us to explore the gap between the videos people click on and the information they actually need. Lees meer
And in today’s Dumb Question of the Week: Has making finance content changed how you invest?
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Thank you to Lightyear for sponsoring this episode.
I opened my 2025/2026 ISA with Lightyear. If you want to try them out as well, use PENSIONCRAFT to get between £10 and £100 in a fractional share or ETF in your General Investment Account. See full T&Cs at lightyear.com/pensioncraft. Capital at risk. ISA terms apply. Promotional terms apply.
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Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Capital Preservation: The Art of Not Losing Money, with Jasmine Yeo from Ruffer
4 maart 2026 · 49 min
No one likes to lose money. And some funds are designed to deliver a positive return whether markets go up, down, or sideways. Sounds easy. It isn't. Lees meer
We’re joined by Jasmine Yeo, fund manager at Ruffer, to discuss the art of capital preservation.
And in today’s Dumb Question of the Week: If markets usually go up, why spend so much time thinking about what could go wrong?
---
Thank you to Lightyear for sponsoring this episode.
I opened my 2025/2026 ISA with Lightyear. If you want to try them out as well, use PENSIONCRAFT to get between £10 and £100 in a fractional share or ETF in your General Investment Account. See full T&Cs at lightyear.com/pensioncraft. Capital at risk. ISA terms apply. Promotional terms apply.
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Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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The Tariffs Are Dead. Long Live the Tariffs.
25 februari 2026 · 30 min
The US Supreme Court struck down Trump's tariffs in a landmark 6-3 ruling, and Trump responded by immediately imposing new ones under a different law. We look at what the ruling actually means and whether any of this changes the outlook for investors. Lees meer
And in today’s Dumb Question of the Week: What is the "spaghetti bowl" effect?
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When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
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Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Crypto Winter 2.0: Be Careful What You Wish For?
18 februari 2026 · 41 min
Bitcoin has had everything going for it: a crypto-friendly president, ETF approval, congressional legislation, institutional adoption, a strategic reserve executive order. And yet the price has halved from its all-time high. So what’s going on? Lees meer
And in today’s Dumb Question of the Week: What happens when it costs more to mine a bitcoin than it’s actually worth?
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When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
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Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Kiss Your SaaS Goodbye: The AI Threat to Software Stocks
11 februari 2026 · 49 min
A trillion dollars was wiped off software stocks after Anthropic released an AI legal tool. Suddenly the market is asking: if AI agents can do the work, why pay for the software? The "SaaSpocalypse" has dragged everything from Microsoft to Salesforce down double digits, leaving Wall Street split on whether this is an existential risk or a massive overreaction. Lees meer
And in today’s Dumb Question of the Week: What is a moat?
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When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
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Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Gold & Silver Crash: Is Bullion’s Bull Run Over?
4 februari 2026 · 44 min
After an incredible run, gold and silver just suffered their worst day in over forty years. Gold fell 11%. Silver dropped 30%. So what caused the crash? Lees meer
And in today’s Dumb Question of the Week: Why do we spend billions digging gold out of a hole, just to put it back in a different hole?
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When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
---
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This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Vanguard Goes Global: Is Home Bias a Mistake?
28 januari 2026 · 39 min
After a decade of UK underperformance, Vanguard is going global. The UK’s most popular fund range is dialling back the domestic tilt, and launching a purely market-cap weighted alternative. We look at what's changing, whether you need to do anything, and if home bias is actually a mistake. Lees meer
And in today’s Dumb Question of the Week: Why are multi-asset funds limited to stocks and bonds?
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Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Does Europe Have the Financial Firepower to Stand Up to Trump?
21 januari 2026 · 40 min
President Trump is threatening tariffs on eight NATO allies to force a deal on Greenland. Europe says it isn’t for sale. So what happens when an immovable object meets an unpredictable force? Tit-for-tat counter-tariffs, an untested “trade bazooka,” or the nuclear option: leveraging $8 trillion in US assets. Lees meer
And in today’s Dumb Question of the Week: Can a Treasury auction fail?
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Investing in Crazy Times: Should You Carry on as Normal?
14 januari 2026 · 38 min
The US has captured Venezuela’s president, the White House is openly threatening to invade a NATO ally, and the Fed Chair is under politically-motivated criminal investigation. Apart from that, everything's fine. But should you actually change anything about your portfolio? Or is "carrying on as normal" always the answer? Lees meer
And in today’s Dumb Question of the Week: Is any asset risk-free?
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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Investing vs. Gambling: How to Tell the Difference
7 januari 2026 · 43 min
Where does investing end and gambling begin? Lees meer
From Premium Bonds to meme stocks to deep-out-of-the-money options, today’s markets are full of bets that look a lot like lottery tickets. The line between rational risk-taking and pure chance has never been blurrier. So what really separates a calculated investment from a coin flip?
And in today’s Dumb Question of the Week: Are boring stocks better?
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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2026 Watchlist: Trends That Could Shape the Year Ahead
31 december 2025 · 46 min
2026 is here, and markets are shifting in surprising ways. From jobless growth to energy gluts, we look at the trends that could shape the global economy over the coming year. Lees meer
And in today’s Dumb Question of the Week: Are we still on track for the Roaring 20s?
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Thank you to Trading 212 for sponsoring this episode.
Claim free fractional shares worth up to £100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link:
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When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
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Get in touch
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🎧 many-happy-returns.captivate.fm
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Join PensionCraft
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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10 Investing Facts That Can't be True (But Are)
24 december 2025 · 33 min
We challenge your assumptions about stocks, property, economic growth and more, with ten facts that seem impossible—but aren't. Stocks beat cash, right? GDP growth helps returns, doesn't it? And war tanks the stock market... right? Lees meer
And in today’s Dumb Question of the Week: What can Christmas Trees teach us about the futures market?
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Thank you to Trading 212 for sponsoring this episode.
Claim free fractional shares worth up to £100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link:
Sponsored Link. Terms apply - trading212.com/join/RAMIN
When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
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Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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The Naughty List: Assets That Misbehaved in 2025
17 december 2025 · 49 min
Which assets made The Naughty List this year? Some of 2025's most confident calls turned into cautionary tales—from momentum trades that stalled to consensus positions that backfired. Lees meer
And in today’s Dumb Question of the Week: Is any asset immune to interest rates?
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Thank you to Trading 212 for sponsoring this episode.
Claim free fractional shares worth up to £100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link:
Sponsored Link. Terms apply - trading212.com/join/RAMIN
When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
---
Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
---
Join PensionCraft
🌐 Become a member at pensioncraft.com
▶️ Subscribe on YouTube
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
-
The 2025 Stress Test: The Banks Are Safe... Are You?
10 december 2025 · 37 min
The Bank of England has just released the results of its 2025 stress test. In their nightmare scenario, inflation surges, house prices tumble, markets tank… and all seven major UK banks still pass. So the financial system might survive a crash. But would you? Lees meer
And in today’s Dumb Question of the Week: Are British banks too big?
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Thank you to Trading 212 for sponsoring this episode.
Claim free fractional shares worth up to £100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link:
Sponsored Link. Terms apply - trading212.com/join/RAMIN
When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
---
Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
---
Join PensionCraft
🌐 Become a member at pensioncraft.com
▶️ Subscribe on YouTube
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
-
Devil in the Details: Is the Budget Worse Than Imagined for Investors?
3 december 2025 · 40 min
Buried in the Budget’s “boring” fine print is a sweeping overhaul of ISAs, new stealth taxes, and rule changes designed to squeeze anyone living off their assets. So, what’s really changing and what can you do to protect your money? Lees meer
And in today’s Dumb Question of the Week: Is now the time to emigrate?
---
Thank you to Trading 212 for sponsoring this episode.
Claim free fractional shares worth up to £100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use the following link:
Sponsored Link. Terms apply - trading212.com/join/RAMIN
When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Free shares can be fractional. 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Terms and fees apply.
---
Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
---
Join PensionCraft
🌐 Become a member at pensioncraft.com
▶️ Subscribe on YouTube
---
Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
-
The Physics of Financial Markets
26 november 2025 · 40 min
Do the hard laws of thermodynamics apply to your money? What can avalanches, boiling water, and quantum mechanics teach us about markets? We explore where physics meets finance—and what it reveals about volatility, crashes and portfolio decay. Lees meer
And in today’s Dumb Question of the Week: What should you study if you want to work in finance?
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Today’s podcast is sponsored by Freetrade, the commission-free investing platform.
New Freetrade offers:
2% cashback when you transfer £10,000+ in pensions (ends 31 Dec 2025)
1% cashback for new ISA customers transferring £10,000+ (ends 31 Dec 2025)
Plus, get a free share worth £10 - £100 when you sign up via a referral link!
Freetrade makes investing simple and affordable, with award-winning service and transparent pricing. Learn more at freetrade.io/pensioncraft
Capital at risk. ISA & SIPP eligibility, tax rules, and T&Cs apply. Cashback capped at £1,000. Annual subscription required for SIPP offer.
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Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
---
Join PensionCraft
🌐 Become a member at pensioncraft.com
▶️ Subscribe on YouTube
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Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
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How to Pick Your Perfect Portfolio, with Tyler from Portfolio Charts
19 november 2025 · 54 min
Designing an investment portfolio that matches your goals is hard. Sticking with it through thick and thin is even harder. Today, we’re delighted to be joined by the creator of Portfolio Charts to consider risk, return, drawdowns and—crucially—your own behaviour, so you can find something that truly fits you. Lees meer
And in today’s Dumb Question of the Week: Does rebalancing improve returns?
---
Today’s podcast is sponsored by Freetrade, the commission-free investing platform.
New Freetrade offers:
2% cashback when you transfer £10,000+ in pensions (ends 31 Dec 2025)
1% cashback for new ISA customers transferring £10,000+ (ends 31 Dec 2025)
Plus, get a free share worth £10 - £100 when you sign up via a referral link!
Freetrade makes investing simple and affordable, with award-winning service and transparent pricing. Learn more at freetrade.io/pensioncraft
Capital at risk. ISA & SIPP eligibility, tax rules, and T&Cs apply. Cashback capped at £1,000. Annual subscription required for SIPP offer.
---
Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
---
Join PensionCraft
🌐 Become a member at pensioncraft.com
▶️ Subscribe on YouTube
---
Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns
-
FIRE Drill: Is Financial Independence Still Possible?
12 november 2025 · 52 min
You've done the maths. You've cut the lattes. You've maxed the ISA. And you're still decades away from financial freedom. So how are some people retiring in their 30s and 40s while the rest of us are stuck on the hamster wheel? Lees meer
And in today’s Dumb Question of the Week: How much will I spend in retirement?
---
Today’s podcast is sponsored by Freetrade, the commission-free investing platform.
New Freetrade offers:
2% cashback when you transfer £10,000+ in pensions (ends 31 Dec 2025)
1% cashback for new ISA customers transferring £10,000+ (ends 31 Dec 2025)
Plus, get a free share worth £10 - £100 when you sign up via a referral link!
Freetrade makes investing simple and affordable, with award-winning service and transparent pricing. Learn more at freetrade.io/pensioncraft
Capital at risk. ISA & SIPP eligibility, tax rules, and T&Cs apply. Cashback capped at £1,000. Annual subscription required for SIPP offer.
---
Get in touch
📧 mhr@pensioncraft.com
🎧 many-happy-returns.captivate.fm
---
Join PensionCraft
🌐 Become a member at pensioncraft.com
▶️ Subscribe on YouTube
---
Disclaimer
This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.
Music ID: ZVMI9V6X4SOWSHY0
Copyright 2026 Many Happy Returns