The Pension Confident Podcast

If you had some spare cash each month, where would you spend it? Overpaying your mortgage or giving your pension savings a boost? Join our host, Philippa Lamb, and Maike Currie, VP Personal Finance at PensionBee, as they discuss the benefits and considerations of making extra payments on your mortgage vs. topping up your pension pot.   Episode breakdown 00:38 Inflation, interest and mortgage rates 05:59 Pensions and tax relief 12:00 Getting the order of priority right 14:23 So what should you actually do?   Further reading, listening, and watching To learn more about saving for children, check out these articles, podcasts and videos from PensionBee: Episode transcript (Blog) Should you pay more into your mortgage or your pension? (Blog) What to do when interest rates rise (Blog) How does inflation affect pensions? (Blog) Why the Middle East conflict has affected markets, and what it could mean for your investments (Blog) Pensions and tax: the ultimate guide (Article) Self-Assessment: what you need to know (Video) The £100k tax trap: how it works, and what you can do to avoid it (Blog) ISAs vs. mortgage overpayments (Article) How much should I have in my pension? (Blog) Should I take a lump sum from my pension? (Article) Episode 26: Are you ready for your 100-year life? (Podcast) Pension age (Article) Six ways to put together your emergency fund (Blog) What is a workplace pension? (Article) How to combine and consolidate your pensions (Article) What is compounding? (Article)   Other useful resources Interest rates and Bank Rate (Bank of England) Inflation Calculator (PensionBee) Pension Tax Relief Calculator (PensionBee) Mortgage and homes (MoneySaving Expert) State Pension Age Calculator (PensionBee) Check your State Pension Forecast (GOV.UK)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. 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: [email protected].

Do you know what your money is invested in? And do you feel confident you're making the right choices?  Some of us are investing in the 'default' plan, whether that's through a Stocks and Shares ISA or a workplace pension. Others are dabbling in crypto or gold. And many of us aren't even investing at all, preferring the safety of keeping cash tucked away in a savings account. Join our host, Philippa Lamb, and our expert panel as they discuss investing fundamentals: Content Creator 'That Money Guy', Gabriel Nussbaum; Founder and CEO of rainchq, Davinia Tomlinson; and Senior Investment Content Manager at PensionBee, Matt Batsman.   Episode breakdown 02:53 Who's investing today? 04:54 The classic asset mix 07:08 'Reckless caution' and inflation 09:03 Home bias and diversification 11:52 Bonds explained 13:45 Alternative assets and crypto 18:09 Gold, oil and 'flight-to-quality' 19:44 What the panel invests in 23:03 What they panel would never touch 24:25 Biggest investment regrets 28:17 Regulated advice, robo-advisors and AI 30:22 Golden rules to start   Further reading, listening and watching To learn more about investing fundamentals, check out these articles and podcasts from PensionBee: Episode transcript (Blog) Investing 101 with Bobby Seagull MBE (Video) What are Premium Bonds? (Article) What is a Lifetime ISA? (Article) What is a workplace pension scheme? (Article) How to start investing (Article) Why don't women invest? (Podcast) What is the stock market? (Article) What are bonds and how do they work? (Article) How to work out your risk tolerance (Article) How does inflation affect pensions? (Article) How to diversify your pension investments (Blog) Why do people invest in gold? (Article) Why the Middle East conflict has affected markets (Blog) What is a Stocks and Shares ISA? (Article) What is a personal pension? (Article) How does market volatility share your pension pot? (Podcast) What SpaceX's public listing could mean for your pension (Blog) What is socially responsible investing? (Podcast)   Other useful resources Financial Lives 2024 (Financial Conduct Authority) How many people invest in the stock market? (Finder) Bitcoin vs. Ethereum (Just EFT) Is Day Trading Profitable? (Investopedia) Cash is Queen (rainchq) Inflation Calculator (PensionBee) Flight to Quality: Investor strategies explained (Investopedia)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Gabriel (@ThatMoneyGuy) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow rainchq (@rainchq) on Instagram, LinkedIn, Facebook and X.   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: [email protected].

In this bonus episode, we hear from PensionBee customer Joumana as she shares her pension story. From moving to the UK from Lebanon 13 years ago with no idea a personal pension was even an option, to buying back missing National Insurance years and picking an investment plan that matches her appetite for risk as a freelancer. We unpack Joumana's pension journey with pensions expert Dani Skerrett from PensionBee, covering: why the self-employed pension gap exists, and how flexible contributions can help; how to check and fill gaps in your National Insurance record; how your pension is protected by the FSCS; and the Retirement Living Standards, and what they mean for your own retirement goal.   Episode breakdown 01:04 Meet Joumana 08:58 How your pension is protected 13:03 Self-employed pension contributions 17:24 The Retirement Living Standards   Further reading To learn more about the topics discussed in this bonus episode, check out these articles from PensionBee: Episode transcript (Blog) How much should I have in my pension? (Blog) How to check your State Pension forecast (Blog) Is my pension protected by the FSCS? (Article) Pension contribution limits (Article) SIPP vs. defined contribution pension: which is the best for self-employed? (Article) What is the State Pension? (Article)   Other useful resources Check your National Insurance record (GOV.UK) Pension Calculator (PensionBee) Retirement Living Standards (Pensions UK)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.   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: [email protected].

With the kids back at school, is now the time to start saving or investing for their future? Join our host, Philippa Lamb, and Maike Currie, VP Personal Finance at PensionBee, as they break down the key differences between a Junior ISA and a Junior SIPP, how each is taxed, and which one might be right for your family.   Episode breakdown 00:51 Junior ISAs and Junior SIPPs at a glance 02:29 How Junior ISAs and Junior SIPPs are taxed 06:07 Cash Junior ISA versus Stocks and Shares Junior ISA 08:04 How to decide between a Junior ISA or Junior SIPP   Further reading, listening, and watching To learn more about saving for children, check out these articles, podcasts and videos from PensionBee: Episode transcript (Blog) E8: How to teach kids about money (Podcast) E28: The Bank of Mum and Dad - what's the impact on your pension? (Podcast) E42: Should you pay for your kids to go to university? (Podcast) 5 tax allowances to make your savings and investments more tax-efficient in 2026/27 (Blog) 7 of the best ways of giving money to grandchildren (Blog) Buying a property: the basics - PensionBee's Milestone Moments (Video) How to diversify your pension investments (Blog) How to make your child a millionaire (Blog) What is a Junior ISA? (Article) What is compounding? (Article) Should I pay into a pension or an ISA? (Article)   Other useful resources Junior Individual Savings Accounts (ISA) (GOV.UK) Junior pensions: what is a junior SIPP and how does it work? (Unbiased)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.   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: [email protected].

We're over halfway through Series 5, and it's already covered a lot of ground: whether marriage makes financial sense, what to do if you're 50 years old with nothing saved for retirement, how to stop lifestyle creep swallowing your pay rise, and plenty more. So our Host, Philippa Lamb, pulled Series Producer, Lucy Greenwell, out from behind the glass to argue over their favourite moments from the 33 guests who've joined the podcast so far this year.   Episode breakdown 01:42 Best episode for first-time listeners 04:20 Most surprising number 08:16 Funniest episode 10:40 Best money tip 13:44 Most shocking moment   Catch up on all of Series 5 of The Pension Confident Podcast today!   Explainer Episodes Bonus episode: What does the 2026/27 tax year mean for your finances? With Maike Currie Bonus episode: How much can you contribute into your pension each year? With Maike Currie Bonus episode: Should you buy Premium Bonds or save into a Cash ISA? With Maike Currie Bonus episode: How does market volatility shape your pension pot? With Maike Currie   Customer Episodes Bonus episode: "I stopped paying into my pension for 20 years" With Rachael Oku and PensionBee customer, Tara-Jane Bonus episode: "I work as a handyman to top up my pension income" With Rachael Oku and PensionBee customer, Tony Bonus episode: "I switched my pension so it complies with my faith" With Rachael Oku and PensionBee customer, Sanna Bonus episode: "A life-changing diagnosis refocused me on my beneficiaries" With Dani Skerrett and PensionBee customer, David Bonus episode: "As soon as I left that job, the pension stopped" With Dani Skerrett and PensionBee customer, Becca Bonus episode: "I've often said that I retired when nobody wanted me anymore" With Dani Skerrett and PensionBee customer, Nigel Bonus episode: "I put my money where my mouth is" With Veronica Morozova and PensionBee customer, Sally Bonus episode: "There's no point being the richest person in the graveyard" With Veronica Morozova and PensionBee customer, Andy   Full Episodes E46: How to bounce back from redundancy with Jimmy McLoughlin OBE, Eleanor Mills, and Emma Ferenc-Bachelor E47: The 'Singles Tax' - how much is it costing you? With Bobby Seagull MBE, Emma Barnes, and Valentina Adaldo E48: Are you ready for the 'great wealth transfer'? With Niaz Azad, Annaliese Barber, and Dan Stean E49: Can you still make money as a Buy-to-Let landlord? With Anna Pearce and Michael Annis E50: Starting a pension from £0 at 50 years old with Hannah Martin, Simonne Gnessen and Sarah Durber E51: How to resist lifestyle creep with Clare Seal, Edoardo Moreni, and Alex Langley E52: Is it worth getting married? With Mike Donkor, Philippa Dolan, and Jasper Martens   And there's plenty more where that came from. We'll be back in September with three new episodes: 7 September - Bonus episode: Should you save into a Junior ISA or a Junior SIPP? With Maike Currie 17 September - Bonus episode: "Discussing money is a taboo subject" With Dani Skerrett and PensionBee customer, Joumana 27 September - E53: What might be missing from your investment portfolio? With Gabriel Nussbaum, Davinia Tomlinson, and Matt Batsman You don't want to miss it! So make sure you're subscribed to The Pension Confident Podcast today and catch every episode as soon as it airs.   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.   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: [email protected].