Informed Choice Radio Personal Finance Podcast
597 episodes - English - Latest episode: about 1 year ago - ★★★★★ - 6 ratingsWelcome to Informed Choice Radio, the personal finance podcast all about achieving your financial goals in life. New episodes are published every Friday, featuring expert interviews and practical tips for making the most of your money. Your host for Informed Choice Radio is Martin Bamford; a Chartered Financial Planner, Fellow of the Personal Finance Society and personal finance author. Contact Martin at [email protected] with any comments or questions. You can find show notes and archived episodes at https://icradio.co.uk/episodes/.
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Episodes
ICR097 - Holly Mackay, Ladies Losing Out
July 20, 2016 02:00 - 25 minutes - 28.6 MBWomen face a number of challenges when it comes to money. They tend to earn less, have more career breaks, save less in their pensions and live for longer. In this episode of Informed Choice Radio, I speak to Holly Mackay. Holly is the founder of Boring Money; a website offering practical tips and ideas on savings and investments. After a twenty year career in the finance sector, Holly established Boring Money a year ago to help people with limited financial knowledge and experience ma...
ICR096 - How to stop scammers taking your money
July 15, 2016 02:00 - 26 minutes - 30.2 MBIn this episode of Informed Choice Radio, Martin talks about how to stop the scammers from taking your money. There is also a roundup of the latest personal finance news and an update from the world of Informed Choice. How to stop scammers taking your money It's Scams Awareness Month in July and in this episode Martin talks about how to stop scammers from taking your money. Scams Awareness Month is all about creating a self-supporting network of confident, alert, consumers. People re...
ICR095 - Pete Matthew, Meaningful Money
July 13, 2016 02:00 - 30 minutes - 35.7 MBMoney is fundamentally simple. Or at least it should be. We often get overwhelmed by the complexity of choices, especially when it comes to investing for the future. In this episode of Informed Choice Radio, I speak to Pete Matthew. Pete is founder of Meaningful Money, where he is on a genuine mission to educate, inform and inspire the world about personal finance. He is the creator of more than 300 videos and 160 podcast episodes covering just about every aspect of financial plannin...
ICR094 - They won't let me sell my property fund!
July 08, 2016 02:00 - 27 minutes - 31.7 MBIn this episode of Informed Choice Radio, Martin talks about about the recent spate of property fund suspensions – why won’t they let me sell my property fund?! He also speaks to Nick Peters, a portfolio manager at Fidelity International, about interest rates, the global economic outlook and whether now is the right time to sell out of bonds. There is also a roundup of the latest personal finance news and an update from the world of Informed Choice. They won’t let me sell my property f...
ICR093 - Damien Fahy, Money to the Masses
July 06, 2016 02:00 - 35 minutes - 40.7 MBWhen a financial analyst became a father and realised his work had become pretty soulless, he started sharing his personal finance knowledge online. In this episode of Informed Choice Radio, I speak to Damien Fahy. Damien is creator of Money to the Masses, a blog and podcast offering money advice to everyone. Damien is also the author of the 30 Day Money Plan, Take Control of your Finances In 5 Minutes A Day In this episode of Informed Choice Radio, we talk about the inspiration for Mo...
ICR092 - How Brexit will affect your investments
July 01, 2016 02:00 - 33 minutes - 38.2 MBIn this episode of Informed Choice Radio, Martin talks about how Brexit will affect your investments. How Brexit will affect your investments When the United Kingdom voted to leave the European Union last week, investment markets reacted with sharp losses. The British Pound experienced its biggest one-day selloff in recent history. It fell from $1.50 against the US dollar to around $1.33 in the space of one day. The FTSE 100 index of leading UK company shares opened sharply down last ...
ICR091 - Andrew Scott, The 100 Year Life
June 29, 2016 02:00 - 25 minutes - 29.4 MBDoes the thought of living to celebrate your 100th birthday fill you with dread? Or can you see the potential for a more stimulating future as a result of having so much extra time? In this episode of Informed Choice Radio, Martin speaks to Professor Andrew Scott. Andrew Scott is Professor of Economics at London Business School. He is also a Fellow of All Souls, Oxford University and Fellow of the Centre for Economic Policy Research. He previously held lectur...
ICR090 - Selling your pension annuity
June 24, 2016 02:00 - 18 minutes - 21.6 MBIn this episode of Informed Choice Radio, Martin talks to Steven Cameron from Aegon about selling your pension annuity and why they have been lobbying the financial services regulator to ensure consumers are well protected. There is also a roundup of the latest personal finance news and an update from the world of Informed Choice. Selling your pension annuity This week, Martin spoke to Steven Cameron at Aegon about the new secondary market for pension annuities which is being introduced...
ICR089 - Kathyrn & Alan Knowles, Life Insurance & Zombies
June 22, 2016 02:00 - 24 minutes - 28.2 MBWhat does The Walking Dead have to do with life insurance? In this episode of Informed Choice Radio, Martin talks to Kathryn and Alan Knowles from the Special Risks Bureau. Kathyrn and Alan specialise in high risk insurance; getting insurance cover at an affordable price for people with health conditions, who engage in hazardous pastimes or have risky jobs. In this interview, we talk about how high risk insurance differs from ordinary insurance, what being a high insurance risk means i...
ICR088 - Cash versus shares
June 17, 2016 02:00 - 18 minutes - 35.5 MBIn this episode of Informed Choice Radio, Martin talks about keeping your money in cash versus investing it in shares. There is also a roundup of the latest personal finance news and an update from the world of Informed Choice. Cash versus shares In this episode of Informed Choice Radio, Martin talks about whether keeping your money in cash beats investing it in shares. Personal finance journalist Paul Lewis has this week published new research showing money held in best buy cash sav...
ICR087 - Chris Budd, Creating Financial Peace of Mind
June 15, 2016 02:00 - 23 minutes - 44.1 MBMoney worries are a big deal. They can cause a great deal of stress, and that stress can harm our general wellbeing. In this episode of Informed Choice Radio, I speak to my friend Chris Budd, a very talented author, business coach and Financial Planner, and we talk about creating financial peace of mind. Chris is the author of the newly published The Financial Wellbeing Book. His book provides a simple and practical guide to planning your daily and long-term finances by understanding y...
ICR086 - Financial Planning Week & Investment Market Outlook
June 10, 2016 02:00 - 29 minutes - 54.1 MBIn this episode of Informed Choice Radio, Martin talks about Financial Planning Week 2016 and we get an investment market outlook from Kevin O'Nolan, a portfolio manager at Fidelity Worldwide Investment. There is also a roundup of the latest personal finance news and an update from the world of Informed Choice. Financial Planning Week & Investment Market Outlook In this episode of Informed Choice Radio, it’s Financial Planning Week 2016 and we get an investment market outlook from Fidel...
ICR085 - Michelle McGagh, Year Of Buying Nothing
June 08, 2016 02:00 - 20 minutes - 37.4 MBWhat happened when a financial journalist Googled ‘getting rid of stuff’ and decided to spend twelve months buying nothing? In this episode of Informed Choice Radio, I speak to the personal finance journalist Michelle McGagh. Six months ago, Michelle embarked on a personal challenge to dramatically reduce her spending and buy nothing other than the essentials. In this interview, we talk about what inspired this challenge, the consequences of stepping out of the consumer rat race, and h...
ICR084 - What happens when your pension scheme goes bust?
June 03, 2016 02:00 - 21 minutes - 39.7 MBIn this episode of Informed Choice Radio, Martin talks about what happens when your defined benefit pension scheme goes bust. There is also a roundup of the latest personal finance news and an update from the world of Informed Choice. What happens when your pension scheme goes bust? Retail giant BHS going into liquidation is clearly bad news for its 11,000 employees, but what about the 20,000 members of its pension scheme? There are around 6,000 defined benefit pension schemes in the ...
ICP083 - What will happen when you retire?
May 27, 2016 02:00 - 21 minutes - 40.1 MBIn this episode of the Informed Choice Podcast, Martin talks about what will happen when you retire. There is also a roundup of the latest personal finance news and an update from the world of Informed Choice. What will happen when you retire? More than half of people expect to continue working during what might have previously been viewed as a traditional retirement. 18% of those who expect to continue working plan to stay in full time employment and one in four plan to work on a pa...
ICP082 - Sell in May
May 14, 2016 12:38 - 19 minutes - 36.8 MBIn this episode of the Informed Choice Podcast, Martin talks about selling an investment portfolio in May and staying away from the equity markets until after a horse race has finished. There is also a roundup of the latest personal finance news and an update from the world of Informed Choice. Sell in May You might have heard investors and commentators talk about the old adage ‘Sell in May and go away, come back on St Leger Day’. This is based on a theory that November to April is ha...
ICP081 - And the winner is...
May 06, 2016 02:00 - 20 minutes - 23.8 MBIn this episode of the Informed Choice Podcast, Martin talks about a big night at the Toast of Surrey Business Awards 2016 and Nick appearing on BBC Radio 4's Money Box Live. There is also a roundup of the latest personal finance news and an update from the world of Informed Choice. And the winner is... In a bit of a catch-up episode of the podcast, after missing an episode last Friday, Martin shares highlights from Informed Choice over the past fortnight. Informed Choice won the top...
ICP080 - Clandon Wood Natural Burial
April 26, 2016 02:00 - 27 minutes - 51.4 MBIn this special episode of the Informed Choice Podcast, Martin interviews Simon Ferrar and Adrian Shaw of Clandon Wood about Naturial Burial. Clandon Wood is a 31 acre natural burial site in the Surrey Hills, named Cemetery of the Year in 2014. It’s a nature reserve for natural burials. Their website at clandonwood.com explains, the creation of a self-sustaining, wildlife environment is the answer to the enduring question: how do we find enough space to accommodate human burials responsibl...
ICP079 - Mortgage freedom day & cost of living
April 24, 2016 17:14 - 19 minutes - 37.2 MBIn this episode of the Informed Choice Podcast, Martin talks about mortgage freedom day and the cost of living. There is also a roundup of the latest personal finance news and an update from the world of Informed Choice. Mortgage freedom day & cost of living The UK’s Mortgage Freedom Day is calculated as the date when the average new mortgage borrower – covering both first-time buyers and home movers taking out a mortgage in the final quarter of last year – will have paid off their annual...
ICP078 - Generation Austerity & Young Money
April 15, 2016 15:34 - 30 minutes - 56.7 MBIn this episode of the podcast, Martin talks to Sophie Robson, Public & Regulatory Affairs Consultant at MRM London about Generation Austerity and her latest Young Money Report. There is also a roundup of the latest personal finance news and an update from the world of Informed Choice. Generation Austerity & Young Money In this episode of the Informed Choice Podcast, Martin talks to Sophie Robson, Public & Regulatory Affairs Consultant at MRM London about Generation Austerity and her late...
ICP077- Things you need to know in the new tax year
April 08, 2016 09:56 - 28 minutes - 53.7 MBIn this episode of the Informed Choice Podcast, Martin talks about the personal finance things you need to know in the new tax year. There is also a roundup of the latest personal finance news and an update from the world of Informed Choice. Things you need to know in the new tax year The new tax year started on 6th April 2016, bringing with it some changes to tax rates and allowances, as well as some investment and pension changes. As promised in the podcast, here are the facts and fig...
ICP076 - Listener personal finance questions
March 31, 2016 02:00 - 27 minutes - 50.8 MBIn this episode of the Informed Choice Podcast, Martin answers listener personal finance questions. If you’re new to the Informed Choice Podcast, this might not be the best episode to start with. Most of our podcast episodes are a different format this; either our weekly episodes on a Friday which take a deep dive into a particular topic, or our mid-week expert interviews. Listener personal finance questions -Do I need a financial planner or a stockbroker? I need some help managing my mo...
ICP075 - Latest long term care & dementia research
March 25, 2016 02:00 - 23 minutes - 44.7 MBIn this episode of the Informed Choice Podcast, Martin talks about the latest research in the world of long-term care and dementia. There is also a roundup of the latest personal finance news and an update from the world of Informed Choice. Latest long term care & dementia research In this episode of the Informed Choice Podcast, Martin talks about a few subjects related to long-term care. This is a specialist advice area for Martin and it is becoming increasingly important with our agein...
ICP074 - The Voice of New Retirement
March 22, 2016 02:00 - 28 minutes - 53.1 MBIn this special episode of the Informed Choice Podcast, Martin chats to Alistair McQueen about Aviva’s Voice of New Retirement Report. The Voice of New Retirement In this interview, Martin asks Alistair about the background to the report and why it was commissioned. They talk about Aviva’s Happiness Index; what does it measure and how do happiness levels change in retirement? New retirees increasingly feel more in control of their lives. What does vision have to do with this and what ro...
ICP073 - Budget for the next generation
March 18, 2016 02:00 - 31 minutes - 60 MBIn this episode of the Informed Choice Podcast, Martin talks about a Budget for the next generation. Budget for the next generation This episode of the Informed Choice Podcast is a Budget special, recapping the main personal finance and investing measures announced earlier this week in the Budget. Martin breaks this down into the five main areas of the economy, pensions, taxation, savings and business. He also covers some of the miscellaneous Budget measures announced this week. This wa...
ICP072 - Sexually transmitted dementia
March 11, 2016 02:30 - 27 minutes - 30.9 MBIn this episode of the Informed Choice Podcast, Martin talks about sexually transmitted dementia and staying healthy in retirement. There is also a roundup of the latest personal finance news and an update from the world of Informed Choice. Sexually transmitted dementia Could Alzheimer's disease be sexually transmitted? A worldwide team of scientists are warning that microbes including the STD chlamydia could be the major cause of dementia. This refers to an editorial in the Journal of ...
ICP071 - Creating Financial Peace of Mind
March 09, 2016 02:30 - 12 minutes - 13.8 MBIn this special episode of the Informed Choice Podcast, we bring you a talk by Chris Budd about creating financial peace of mind. Chris delivered this talk at the Cranleigh Literature Festival on Friday 4th March ahead of the publication of his new book, The Financial Wellbeing Book. Creating Financial Peace of Mind In his important talk about creating financial peace of mind, Chris Budd shares the five main areas of well-being, with a focus on financial well-being. He helps us redefine ...
ICP070 - Rethinking the state pension age
March 04, 2016 02:30 - 26 minutes - 48.7 MBIn this episode of the Informed Choice Podcast, Martin talks about rethinking the state pension age. There is also a roundup of the latest personal finance news and an update from the world of Informed Choice. Rethinking the state pension age How old will you be before you get your state pension? The government has launched a review into the state pension age and system. The review will be chaired by Sir John Cridland, the former head of the Low Pay Commission, and will assess whether...
ICP069 - Interview with Keith Richards, Personal Finance Society
March 01, 2016 02:00 - 13 minutes - 25.2 MBIn this bonus episode of the Informed Choice Podcast, Nick chats to Keith Richards, Chief Executive of the Personal Finance Society, about Chartered Financial Planner status. Keith Richards has over 30 years experience within financial services operating at executive level across both manufacturing and distribution. He has an established media profile and is a visible figurehead within the intermediary sector, regularly called upon for comment on UK financial services matters both home and...
ICP068 - Lifetime & Annual Allowance Changes in April 2016
February 26, 2016 02:00 - 28 minutes - 54.4 MBBig changes are being made to the pensions lifetime allowance and annual allowance in April 2016. In this episode of the Informed Choice Podcast, Martin talks about these important changes for pension savers and what you can do about them. There is also a roundup of the latest personal finance new and an update from the world of Informed Choice. Lifetime allowance and annual allowance changes in April 2016 The lifetime allowance is a limit on the total amount of pension benefit that can b...
ICP067 - Justin Harper, LV, Cost of a Child Report
February 24, 2016 02:00 - 11 minutes - 21.5 MBIn this bonus episode of the Informed Choice Podcast, Martin chats to Justin Harper, Life & Health Specialist at LV, the UK's largest friendly society, about the 13th annual LV Cost of a Child report. The report has found that the cost of raising a child is at an all-time high, increasing by more than £2,500 in the last year alone. Some of the key figures from their research included -The average annual cost of raising a child now takes up more than a third of the average UK household’s n...
ICP066 - What happens to investments if the UK leaves Europe?
February 21, 2016 19:06 - 23 minutes - 42.8 MBIn this episode of the Informed Choice Podcast, Martin talks about what could happen to investment markets if the UK votes to leave the European Union in the referendum this June. There is also a roundup of the latest personal finance new and an update from the world of Informed Choice. What happens to investments if the UK leaves Europe? David Cameron has finally announced a referendum on whether Britain should remain in the European Union will be held on Thursday 23rd June. This follow...
ICP065 - Love and Money
February 12, 2016 02:00 - 21 minutes - 39.8 MBIn this episode of the Informed Choice Podcast, Martin talks about love and money. There is also a roundup of the latest personal finance news and an update from the world of Informed Choice. Love and Money With Valentine’s Day coming up, this episode of the podcast is all about love and money. Martin starts by sharing some tips for martial bliss with money. Talking about money in your marriage is really important. Understanding how each spouse feels about money, what they want it to a...
ICP064 - Rethinking the emergency fund
February 05, 2016 02:00 - 27 minutes - 51.7 MBIn this episode of the Informed Choice Podcast, Martin talks about rethinking the emergency fund. There's also a roundup of the latest personal finance news and an update from the world of Informed Choice. Rethinking the emergency fund All Financial Planners talk about the importance of a cash emergency fund. This is a pot of cash put aside to cover any financial surprises in your life. But why is an emergency fund so important? How much do you need to save? Where should you keep it? ...
ICP063 - Investment market predictions for 2016
January 29, 2016 02:00 - 24 minutes - 45.5 MBIn this episode of the Informed Choice Podcast, Martin talks about what the name of your road means for house prices, some investment market predictions for 2016, and there’s a roundup of the latest personal finance news. In the personal finance news roundup this week: -The final sale of the government’s stake in Lloyds Banking group has been postponed. -The UK economy grew by 0.5 per cent in the final quarter of last year. -A row is growing over the controversial tax deal between Google...
ICP062 - Why investors need to hold their nerve
January 22, 2016 02:00 - 29 minutes - 55.6 MBIn this episode of the Informed Choice Podcast, Martin talks about stock market volatility. There's also a roundup of the latest personal finance and investing news. It's been a pretty terrible start to the year for investors. The FTSE 100 officially entered bear market territory, falling by 20% from its peak last April. Investors are worried about a slowdown in China's economy and the very low price of oil. Why should you, as an investor, hold your nerve at a time like this? Martin expl...
ICP061 - Property as a pension, our ageing population & moving everything to cash
January 15, 2016 02:00 - 29 minutes - 33.9 MBIn this episode of the Informed Choice Podcast, Martin answers a listener question about moving the entire value of her pension pot to cash ahead of retirement. He takes a look at a new survey from Barings which suggests property is growing in popularity as a retirement income option. And he talks about an open letter from 40 charities to Prime Minister David Cameron calling on the government to take more seriously the issue of our ageing population.
ICP060 - Investing & intergalactic travel: insanely complicated & sometimes resulting in panic
January 13, 2016 09:52 - 7 minutes - 13.3 MBIn this special episode of the Informed Choice Podcast, Martin explains why investors should avoid panic, despite current investment market events and doom-mongering. Talking about a note from the RBS credit team predicting a 20% fall in global equity markets in 2016, Martin explains the importance of portfolio diversification, taking the long-term view, the fallacy of market timing and some words of wisdom from Warren Buffett. Subscribe to the Informed Choice Podcast at www.icfp.co.uk/itun...
ICP059 - Women are much better than men at doing this
January 08, 2016 02:00 - 27 minutes - 52.4 MBIn this episode of the Informed Choice Podcast, Martin talks about what makes women much better investors than men and what the latest retirement income survey figures tell us about the income decisions people are making in later life. There's also a roundup of the latest personal finance and investing news.
ICP058 - How to make your personal finance resolutions stick in 2016
January 01, 2016 12:00 - 45 minutes - 52.2 MBIn this episode of the Informed Choice Podcast, Martin reviews progress at Informed Choice in 2015 before looking ahead to 2016, sharing his business and personal goals, and explaining how we can best make personal finance resolutions stick.
ICP057 - How to invest a defined contribution pension
December 24, 2015 16:59 - 18 minutes - 21.2 MBIn this episode of the Informed Choice Podcast, Martin answers a listener question about the best way to invest a defined contribution pension. There's also a roundup of the latest news from the world of personal finance and investing. You can find more episodes of the Informed Choice Podcast at www.icfp.co.uk/podcast. This week, Martin would like to hear about your New Year's Resolutions. You can email him at [email protected], get in touch via Twitter at www.twitter.com/martinbamford or ...
ICP056: Pretending to be rich
December 18, 2015 02:00 - 23 minutes - 43.3 MBThis week in episode 56 of the Informed Choice Podcast, Martin talks about selling your pension annuity, pretending to be rich, and some of the things that could go wrong for investment markets in 2016. There’s also a roundup of the latest news from the world of personal finance and investing. In the personal finance and investing new roundup this week: Price inflation in the UK is back in positive territory, with the Consumer Prices Index, CPI, measure of price inflation rising to 0.1% i...
ICP055: Andrew Tully, Retirement Advantage
December 16, 2015 02:00 - 22 minutes - 41.4 MBIn this special episode of the Informed Choice Podcast, Martin chats to Andrew Tully about a Retirement Sentiment Index. Andrew is Pensions Technical Director at Retirement Advantage, a specialist pensions provider which dates back to 1852. Retirement Advantage recently published a new Retirement Sentiment Index which asked over 50s what they want from retirement income. In this interview, Martin talks to Andrew about retirement expectations, how retirement has changed and how to best pr...
ICP054 - Really understanding investment risk
December 11, 2015 02:00 - 24 minutes - 46.6 MBThis week in episode 54 of the Informed Choice Podcast, Martin talks about really understanding investment risk, a growing imbalance between the wealth of the generations and dressing smarter for success. Find show notes and more at icfp.co.uk/podcast. There’s also a roundup of the latest news from the world of personal finance and investing. -The Financial Conduct Authority (FCA) published a name-and-shame list of banks and building societies offering low interest rates to savers. -A t...
ICP053 - Building a Professional Adviser Practice (Bonus Episode)
December 10, 2015 15:45 - 36 minutes - 68.1 MBHello and welcome to a special bonus episode of the Informed Choice Podcast. In this episode, you will hear Informed Choice executive director Nick Bamford delivering a presentation live at the Personal Finance Society 2015 National Financial Planning Symposium. This presentation was recorded live at the International Conference Centre in Edinburgh on 26th November 2015. The title of Nick’s talk is Building a professional adviser practice - three components of success. Within this presen...
ICP052 - How to cope with an unexpected windfall
December 04, 2015 02:00 - 26 minutes - 30.3 MBThis week in episode 52 of the Informed Choice Podcast, Martin talks about how to cope with an unexpected windfall and the level of investment returns we might expect in 2016. There’s also a roundup of the latest news from the world of personal finance and investing. -Supermarket chain Morrisons has fallen out of the FTSE 100 index of leading UK company shares. -Facebook founder Mark Zuckerberg are giving away 99% of their shares in the social media company to good causes. -Housebuilding...
ICP051 - Autumn Statement 2015 Special
November 27, 2015 02:00 - 32 minutes - 60.2 MBThis week in episode 51 of the Informed Choice Podcast, Martin examines the Autumn Statement 2015. There’s also a roundup of the latest personal finance and investing news.
ICP050: Behind the scenes & guest interview highlights
November 20, 2015 02:00 - 31 minutes - 36.5 MBThis week in episode 50 of the Informed Choice Podcast, Martin takes a behind the scenes look at producing the podcast and shares some highlights from previous guest interviews. There’s also a roundup of the latest personal finance and investing news.
ICP049: When a fund manager leaves
November 13, 2015 02:00 - 15 minutes - 18.3 MBThis week in episode 49 of the Informed Choice Podcast, Martin talks about what investors should do when a fund manager leaves. There’s also a roundup of the latest personal finance and investing news.
ICP048 - Staying fit & healthy in later life
November 06, 2015 02:00 - 16 minutes - 19.3 MBThis week in episode 48 of the Informed Choice Podcast, Martin talks about the importance of staying fit and healthy in later life. There’s also a roundup of the latest personal finance and investing news.