Informed Choice Radio Personal Finance Podcast
597 episodes - English - Latest episode: 11 months 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
ICP047 - Transparency of financial advice fees
October 30, 2015 02:00 - 18 minutes - 21 MBThis week in episode 47 of the Informed Choice Podcast, Martin discusses some new research by Which? asking why so many financial advisers appear reluctant to publish their advice fees on their websites. There is also a round up of the latest news from the world of personal finance and investing.
ICP046: Investment Companies with Nick Britton
October 23, 2015 02:00 - 32 minutes - 37.3 MBThis week on the show, Martin talks to Nick Britton, head of training at the Association of Investment Companies, all about Investment Trusts. If you’re an investor, this interview will provide a great introduction to Investment Companies, how they work and the risks involved. There’s also a round-up of the latest personal finance and investing news.
ICP045 - Pension changes, end of commission & important assumptions
October 16, 2015 02:00 - 27 minutes - 50.8 MBThis week in episode 45 of the Informed Choice Podcast, Martin talks to his colleagues Nick and Andrew about pension freedoms, the end of investment commissions and important assumptions for Financial Planning. Back in April we experienced the introduction of new pension freedoms. Have these been a success? What is coming next in the world of pensions? With a new Pensions Green Paper, could we see a change in pensions tax relief? Ongoing commissions on many types of investments are coming...
ICP044 - Auto enrolment with Chris Daems
October 09, 2015 02:30 - 32 minutes - 37 MBThis week in episode 44 of the Informed Choice Podcast, Martin talks to Chris Daems, founder of AE in a Box and one of the leading experts in pension auto enrolment. There’s also a roundup of the latest personal finance and investing news.
ICP043 - Five Things Worrying Investors Right Now
October 02, 2015 02:00 - 27 minutes - 31.5 MBThis week in episode 43 of the Informed Choice Podcast, Martin talks to Dr Peter Westaway, Chief Economist at Vanguard Asset Management about the five things influencing investment market sentiment. There’s also a roundup of the latest personal finance and investing news.
ICP042 - Myth of the baby boomer, retirement questions & untucked shirts
September 25, 2015 02:30 - 28 minutes - 32.3 MBThis week in episode 42 of the Informed Choice Podcast, Martin talks to David Sinclair, Director of the International Longevity Centre, about the myth of the baby boomer. He also shares the three questions you need to ask yourself about retirement and asks whether how you wear your shirt influences your success in life.
ICP041 - High yield bonds & rising interest rates
September 18, 2015 01:30 - 31 minutes - 36.4 MBThis week in episode 41 of the Informed Choice Podcast, Martin talks to Michael Scott, manager of the Schroder Monthly High Income Fund, about what rising interest rates mean for high yield bonds, explains why building societies are better than banks, and tells you what it takes to retire ten years early.
ICP040: Greedy, spoiled, self-absorbed Baby Boomers
September 11, 2015 02:30 - 26 minutes - 30.8 MBThis week in episode 40 of the Informed Choice Podcast, Martin talks about the causes of intergenerational wealth inequality, whether Alzheimer’s disease can be transmitted by medical procedures and why teenagers are better with money decisions than young adults.
ICP039 - Time Perspectives, Longevity & Doing Nothing
September 04, 2015 02:30 - 24 minutes - 28.2 MBThis week in episode 39 of the Informed Choice Podcast, Martin talks about time perspectives for retirement planning, what it means that we’re all living longer, and why nothing is often the best thing to do with your investment portfolio. In the personal finance and investing new roundup this week: –The payment limit for contactless payment cards has been increased. –Chinese authorities have punished 197 people for allegedly spreading online rumours about the recent stock market crash an...
ICP038 - The Great Fall of China
August 28, 2015 02:30 - 29 minutes - 33.2 MBThis week in episode 38 of the Informed Choice Podcast, Martin talks about the Great Fall of China, signs you might be financially unstable and the ostrich effect when it comes to your financial health. He also answers a listener question about investing in Investment Trusts. In the personal finance and investing new roundup this week: -The number of people complaining about packaged bank accounts has risen dramatically. -The government has sold more of its stake in Lloyds Bank. -The nu...
ICP037 - Money lessons from the very rich
August 21, 2015 02:30 - 22 minutes - 25.2 MBThis week in episode 37 of the Informed Choice Podcast, Martin talks about the most important money lessons from the rich and why retirees are shunning financial advice. He also answer a listener question about investing his pension pot in a Croatian hotel. Yes, really. New episodes of the Informed Choice Podcast are published every Friday morning. To subscribe, visit www.icfp.co.uk/itunes. We love to receive your questions, views and feedback. Visit www.icfp.co.uk/podcast to leave a voi...
ICP036 - Sharks, pre-pups & 50 Cent
August 14, 2015 01:30 - 19 minutes - 22.2 MBThis week in episode 36 of the Informed Choice Podcast, Martin talks about investment sharks who are after your pension fund, why couples are choosing to put in place 'pre-pup' agreements in case of divorce, and how the rapper 50 Cent tricked us into believing he was living a luxury lifestyle. There's also a roundup of the latest personal finance and investment news. If you have a money question for Martin, you can leave a voicemail by calling 020 8144 2745 or visit our online voicemail sys...
ICP035 - What's so bad about getting old?
August 07, 2015 00:30 - 20 minutes - 23.1 MBIn episode 35 of the Informed Choice Podcast, Martin answers a listener question about whether cautious investors should still be investing in fixed income funds, there's a roundup of the latest personal finance news, and the big topic this week is staying healthy in old age. You can find all of the notes from this episode at www.icfp.co.uk/episode35. Follow Martin on Twitter at www.twitter.com/martinbamford or send him an email at [email protected]. To find out more about Informed Choice,...
ICP034 - Could you cope with an interest rate hike?
July 31, 2015 01:30 - 14 minutes - 17 MBIn episode 34 of the Informed Choice Podcast, Martin shares the latest personal finance news, and talks about coping with higher interest rates and your biggest money regrets. How would your household cope with higher interest rates? There’s been a lot of talk recently about interest rates rising. As the British economy continues to improve, the prospect of a rate rise becomes more likely. According to a new report from credit ratings agency Moody’s, British households will be ...
ICP033 - Principles for an ideal retirement
July 24, 2015 01:30 - 22 minutes - 25.9 MBIn episode 33 of the Informed Choice Podcast, Martin talks about the ten principles for the ideal retirement, a rather expensive new retirement community opening in London, and why investment fund managers are increasing the cash balances in their funds. If you listen to this podcast, please take one minute to leave an honest review on iTunes. Reviews from listeners are so important to help others find the podcast, and we also really want your feedback so we know which elements of the s...
ICP032 - Getting divorced, care fees cross-subsidy & pension freedom progress
July 17, 2015 01:30 - 22 minutes - 26.1 MBIn episode 32 of the Informed Choice Podcast, Martin talks about getting divorced, care fees cross-subsidy, and how well the new pension freedoms are actually doing. If you listen to the Informed Choice Podcast, please take a moment to leave us a review on iTunes at www.icfp.co.uk/itunes. We will read out your review during a future episode. You can follow Informed Choice on Twitter at www.twitter.com/informedchoice and find Martin on Twitter at www.twitter.com/martinbamford. For more inf...
ICP031 - China Syndrome, Postponing Caps & Emergency Budget
July 10, 2015 01:30 - 21 minutes - 25 MBThis week in episode 31 of the Informed Choice Podcast, Martin talks about a stock market plunge in China, why the lifetime cap on residential care fees might be postponed, and of course the emergency Summer Budget.
ICP030 - The cost of a housewife
July 03, 2015 01:30 - 25 minutes - 29.4 MBThis week in episode 30 of the Informed Choice Podcast, Martin talks about what people want from the emergency Budget next week, properly qualified Financial Planners, the cost of a housewife, the Golden Age Index from PwC and what on earth is going on in Greece. According to some new research by SunLife, the public would cut state support for older people in the emergency Budget next week. Why do we favour short-term gratification over long-term reward? Greece owes its various...
ICP029 - You're not rich enough for a private wealth manager
June 26, 2015 01:30 - 17 minutes - 20.3 MBThis week in episode 29 of the Informed Choice Podcast, Martin talks about how private wealth managers are shunning the moderately rich, why Britain's ageing population will ruin the budget surplus plan, and how a new blood test could pick up the early signs of dementia.
ICP028 - Experiences make you happier than material possessions
June 19, 2015 01:30 - 20 minutes - 24 MBThis week in episode 28 of the Informed Choice Podcast, Martin talks about a return to inflation in the UK, interest rates expectations in the US and why experiences make you happier than material possessions. He answers a listener question about taking tax-free cash from a pension pot, but leaving the taxable bit behind. And he talks about why the Financial Conduct Authority (FCA) has banned the sale of a complex investment instrument called CoCos for retail investors.
ICP027 - Silver splitters, worst case scenario retirement & Lasting Powers of Attorney
June 12, 2015 01:30 - 17 minutes - 20.5 MBThis week in episode 27 of the Informed Choice Podcast, Martin talks silver splitters, retirement as a worst case scenario, and the importance of Lasting Powers of Attorney.
ICP026 - Female fund managers, bad financial decisions & wearing suits
June 05, 2015 01:30 - 17 minutes - 19.7 MBThis week in episode 26 of the Informed Choice Podcast, Martin talks about the worrying lack of female fund managers, why your genes cause you to make bad financial decisions and why he doesn't wear a suit and tie to client meetings.
ICP025 - Wow! Financial Advisers with Michelle Hoskin
May 29, 2015 01:30 - 32 minutes - 37 MBThis week in episode 25 of the Informed Choice Podcast, Martin chats to Michelle Hoskin, founder of Standards International, about what it means to be a Wow! Financial Adviser. As founder of Standards International, Michelle is best known in the world of financial services for the concept of Wow! Martin talks to Michelle about the areas where Wow! can be applied by financial advisers, how the Financial Planning profession differs overseas and what people looking for an adviser should consi...
ICP024 - Interview with Paul Claireaux, Author & Financial Educator
May 22, 2015 01:30 - 46 minutes - 53.2 MBThis week in episode 24 of the Informed Choice Podcast, Martin interviews author and financial educator Paul Claireaux. Paul's first book, "Who can you trust about money?" offers an explanation of how financial experts can mislead us and also how we can mislead ourselves when it comes to money. Martin chats to Paul about his new financial freedom workshops which are aimed at younger people. They also talk about books, with Paul suggesting a comprehensive reading list for ...
ICP023 - Election Results, Forgotten Subscriptions & Bond Bubbles
May 15, 2015 01:30 - 24 minutes - 27.6 MBThis week in episode 23 of the Informed Choice Podcast, we talk about election results, forgotten subscriptions and bond bubbles. Martin starts the podcast this week by talking about his filming weekend with the GB TREC Team and the election results last week. New research has found that people in Britain are wasting £338 million each month in unused subscription fees. Are you one of them and what steps can you take to avoid wasting money through forgotten subscriptions? ...
ICP022 - Pension liberation interview with Angela Brooks
May 08, 2015 01:30 - 35 minutes - 40.3 MBIn the Informed Choice Podcast this week, Martin interviews Angela Brooks of Pension Life about pension liberation scams. With significant financial and human costs involved, what is pension liberation, how to the scammers target their victims and what steps can you take to keep your pension pot safe? We also hear from Justin King of MFP Wealth Management to get some practical tips on keeping your money safe. Martin asks whether financial advice should be compulsory at retirement, and explai...
ICP021 - General Election Special
May 01, 2015 01:30 - 32 minutes - 37.2 MBThis week in episode 21 of the Informed Choice Podcast, it’s a General Election 2015 special! With less than a week to go before Britain decides who should govern the country, Martin speaks to Nick Peters, Co-Manager of the Fidelity Multi Asset Income Fund to get his thoughts on what this election is likely to mean for investment markets. He also interviews Dee Searle, a client of Informed Choice who you might remember from episode 17 of the podcast. Dee is standing as parliamentary candi...
ICP020 - MoneyFit Week, Property Scams & Tesco Shares
April 24, 2015 01:30 - 21 minutes - 24.1 MBThis week in episode 20 of the Informed Choice Podcast, Martin answers five personal finance questions from the Unbiased.co.uk MoneyFit Week campaign. He asks whether you would invest in a property scheme offering 50% annual returns. And he explains why the record pre-tax losses announced by Tesco this week are important for all investors. If you have a personal finance or investing question you would like Martin to answer in a future episode of the Informed Choice Podcast, you can record a...
ICP019 - Sexy men make you take greater investment risks
April 17, 2015 03:30 - 22 minutes - 25.6 MBIn episode 19 of the Informed Choice Podcast, Martin answers a listener question about what sounds like a very dodgy investment scam being offered to her dad. Why do sexy men make average looking men take greater risks with their money? There's now over 157,000 Certified Financial Planner professionals globally, a cause for celebration. Martin explains why Japan has joined UK in the Noflation Club. For links to everything discussed in this episode of the Informed Choice Podcast, please che...
ICP018 - Pension reform winners & losers with Rachel Vahey
April 10, 2015 02:30 - 36 minutes - 42 MBIn the latest episode of the Informed Choice Podcast, Martin talks to independent pensions consultant Rachel Vahey about the new pension freedoms introduced this week; who will be the winners and losers from these reforms? He also discusses why there has been a sudden fall in life expectancy for female pensioners and why Abenomics might finally be working in Japan.
ICP017 - Carl Richards & Dee Searle
April 03, 2015 01:30 - 31 minutes - 36 MBThis week in episode seventeen of the Informed Choice Podcast, Martin interviews Certified Financial Planner and financial sketch artist Carl Richards about the publication of his new book, The One Page Financial Plan. Listen to the episode for a chance to win a copy of the book. There's also a short interview with one of our clients, Dee Searle, who is hoping to become Tottenham's first Green Party MP. To find out more about the Informed Choice Podcast, please visit www.icfp.co.uk/podcast.
ICP016 - Noflation, Secret Inheritance & End of Tax Year Tips
March 27, 2015 01:00 - 27 minutes - 31.8 MBNoflation has landed in the UK! Martin talks to James Griffin from Fidelity Worldwide Investment to find out what CPI inflation at zero means for the economy and markets. There's a listener question asking how to tell friends about a six-figure inheritance. Martin shares five tips for effective end of tax year planning, to help you avoid wasting tax this year. He also talks about what a good Financial Planner does for you. Subscribe to get the Informed Choice Podcast automatically every Frid...
ICP015 - Budget 2015, State of Retirement & Investment Risk Genetics
March 20, 2015 01:30 - 24 minutes - 27.7 MBIn this episode of the Informed Choice Podcast, Martin reviews the pre-election Budget, delivered by George Osborne on Wednesday 18th March 2015. There's an interview with Steve Lewis of LV= about their latest State of Retirement Report. Martin also looks at new research which suggests a genetic link to our investment risk profiles.
ICP014 - Pension fleecing day, FTSE 100 record high & finding your purpose
March 06, 2015 05:00 - 23 minutes - 27.1 MBIn episode 14 of the Informed Choice Podcast, Martin explains why pension freedom day on 6th April 2015 could be pension fleecing day. He answers a listener question about the future direction of the FTSE 100 index, which set a new record high last week. What is your true purpose in life? Martin has 13 questions to help you figure it out. He also talks about why it can make sense to spend your ISAs and your house first, and then your pension pot.
ICP013 - Boosting financial knowledge for higher investment returns
February 27, 2015 01:30 - 26 minutes - 30.3 MBIn the latest episode of the Informed Choice Podcast, Martin reveals the details of a study which proves his catchphrase; "When it comes to money, the more you know, the faster it can grow!" There's also news on his recent BBC Radio Money Box appearance, talking about crowdfunding. He answers a listener question about buying an annuity in retirement, sets a challenge for reviewing time and money, and takes a look at the latest five star review on iTunes. Find the show notes for this episode ...
ICP012 - Foreign Sounding Fund Managers, Women & Dementia, & Investment Outlooks
February 20, 2015 01:00 - 27 minutes - 31.1 MBIn this episode of the Informed Choice Podcast, Martin examines new research which suggests investors are less likely to invest with fund managers who have foreign sounding names. Bizarre? Almost certainly, but the research backs it up. He also talks about a new report suggesting dementia is now the biggest killer of women in the UK, and the latest attitudes of investment advisers when it comes to where to invest in 2015. There's also an update on what Martin's been reading and listening to ...
ICP011 - Abraham Okusanya, Retirement Misconceptions & a Listener Question!
February 13, 2015 01:00 - 33 minutes - 38.3 MBIn epsiode 11 of the Informed Choice Podcast, Martin interviews Abraham Okusanya about his new white paper, Pound Cost Ravaging. He also talks about five misconceptions about retirement and answers a question from listener Angela about care fees planning for her elderly parents. As usual, there's an update on the books Martin has been reading and some new podcast discoveries. He's also been giving blood and walking to work every day.
ICP010 - Risks to wealth creation, withdrawing pension cash & pound cost ravaging
February 06, 2015 01:00 - 17 minutes - 20 MBIn the latest episode of the Informed Choice Podcast, Martin talks about the five big risks to wealth creation in the year ahead. He also looks at the reasons why you might not want to withdraw money from your pension pot once the new pension freedom rules are introduced in April. Finally, he looks at a new report about 'pound cost ravaging' and how to best forecast a safe withdrawal rate from portfolios. Also in this episode, Martin reveals his result from the Unbiased Media Awards this wee...
ICP009 - BBC Cost of Care Calculator, MAS Retirement Directory & Fund Inflows
January 30, 2015 01:00 - 19 minutes - 21.9 MBIn this episode of the Informed Choice Podcast, Martin test drives the new BBC cost of care calculator. He talks about the new retirement advice directory from the Money Advice Service and looks at the latest statistics for investment fund inflows for 2014, which show a growing popularity of index tracker funds. Martin also plays a short clip of an interview between Abraham Okusanya and Justin King, about the book Ready, Steady, Retire! Martin gives a short recap of his week so far, the book...
ICP008 - European Central Bank Big Bazooka
January 23, 2015 01:30 - 9 minutes - 11.1 MBThe European Central Bank (ECB) has fired its BIG BAZOOKA, with at least 1.1 trillion euros of quantitative easing due to be injected into the ailing eurozone economy this year and next. What does it mean? Martin explains.
ICP007 - Pensioner Bonds, Inflation & Genetic Testing
January 16, 2015 05:00 - 22 minutes - 25.8 MBIn the latest edition of the Informed Choice Podcast, Martin talks about the new 65+ Guaranteed Growth Bonds from National Savings & Investments, asks why price inflation is falling so quickly and reveals the results of his DNA test from personal genome service 23andme.
ICP006 - Simonne Gnessen & Falling Oil Price
December 19, 2014 00:01 - 31 minutes - 35.5 MBIn this episode of the Informed Choice Podcast, Martin interviews Simonne Gnessen of Wise Monkey Financial Coaching and also talks about the falling oil price - what does it mean for investors?
ICP005 - Retirement Income & Value of Advice
December 12, 2014 11:06 - 19 minutes - 22.8 MBIn this episode of the Informed Choice Podcast, Martin talks about why pension providers continue to fail consumers reaching retirement and attempts to quantify the value of a good financial adviser. He also talks about his week, why he missed out on a Christmas lunch yesterday and how his dad trumped him with a bigger radio appearance.
ICP004 - Autumn Statement Special
December 04, 2014 15:37 - 20 minutes - 23.1 MBIn this episode of the Informed Choice Podcast, Martin takes a closer look at the main Finanical Planning and investing measures contained in the Autumn Statement. He also recaps his week, talks about being a media IFA and the charity race he sponsored on Sunday.
ICP003 - Justin King, Equity Exposure & Growing Old Without Children
November 28, 2014 01:00 - 37 minutes - 69.7 MBIn this episode of the Informed Choice Podcast, Martin talks to Justin King about Financial Life Planning and their new book - Ready, Steady, Retire! We look at whether you should reduce or increase equity exposure in retirement, and some of the challenges faced by growing old without children.
ICP002 - Financial Planning Week, Under 30s & Inflation Figures
November 20, 2014 21:07 - 35 minutes - 66.5 MBIn this episode of The Informed Choice Podcast, Martin interviews Sue Whitbread from the Institute of Financial Planning and talks to her about Financial Planning Week 2014. He examines an article in The Telegraph by Alex Proud which claims that, if you're under 30, you're screwed. He also takes a closer look at the latest price inflation figures. There's also a round-up of his week, the books he's been reading and an invitation to pose your Financial Planning or investing questions to be an...
ICP001 - Introductions & higher risk investing
November 14, 2014 16:57 - 14 minutes - 27.7 MBThis week on the Informed Choice Podcast was all about making introductions and talking about higher risk investing.