Episoder

  • With just days to go until the end of the tax year, it’s peak season for British savers and investors to make the most of their ÂŁ20,000 annual Isa allowance before it renews on April 6. Whether you’re a beginner or a more seasoned investor, this episode clearly explains the tax benefits of Isas, how these work in practice and some common investment strategies. Host Claer Barrett breaks down the different types of Isas with FT Money columnist Moira O’Neill and Timi Merriman-Johnson, the financial educator and content creator better known online as Mr MoneyJar. In the edited highlights from an FT webinar, the panel shares tips about everything from getting started and choosing the right platform to asset allocation and ensuring your Isa portfolio is diversified. 


    For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

    If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok. 


    Want more?

    Check out Claer’s column, Why I’m sticking with my passive Isa strategy

    Listen to more episodes, such as How an ISA millionaire chooses stocks, Investment Masterclass: Isa investing is changing, and more. 

    Links:

    https://www.pimfa.co.uk/

    https://www.boringmoney.co.uk/

    https://compareandinvest.co.uk/


    Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.


    Read a transcript of this episode on FT.com


    Hosted on Acast. See acast.com/privacy for more information.

  • Hot on the heels of a UK Budget announcement that promised to boost the childcare offer for working families, host Claer Barrett marks International Women’s Day by speaking to a panel of experts about the true cost of childcare, and how investing in this “essential infrastructure” could boost the UK economy as well as helping to close the gender pay and gender pensions gap.


    On the panel are ‘Flex Appeal’ campaigner Anna Whitehouse, known to her social media audience as Mother Pukka, Joeli Brearley, childcare campaigner and founder of the charity ‘Pregnant Then Screwed’, and Maike Currie, who spearheads Hargreaves Lansdown’s ‘Financially Fearless’ female investing campaign. This episode is a recording of an event organised by FLIC, the FT’s financial literacy and inclusion campaign.


    For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

    For more on FLIC, see www.ftflic.com 

    If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.


    Want more?

    Check out Claer’s column, What women want their financial future to look like.

    Listen to more episodes, such as Mind the gap! What women need to know about investing, Childcare in crisis and more.


    Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.


    Read a transcript of this episode on FT.com


    Hosted on Acast. See acast.com/privacy for more information.

  • Manglende episoder?

    Klik her for at forny feed.

  • Chancellor Jeremy Hunt has delivered a ÂŁ10bn tax-cutting Budget, promising to create a “new generation of investors” — but what does he actually have in store for our personal finances? Host Claer Barrett is joined by an expert panel to discuss tax changes coming in April, with higher-earning working parents set to see the biggest boost. Armed with direct guidance from HMRC, Miranda Green, the FT’s deputy opinion editor and Rafe Uddin, FT politics reporter, talk us through changes to child benefit, and whether plans for a new “UK Isa” and a retail offering of NatWest shares this summer will really boost the fortunes of London’s stock market — and of investors. They’re joined by Carl Emmerson, deputy director of the Institute for Fiscal Studies, who sets out what people on different salary bands can expect to see from the second cut to national insurance — plus what tax policies the opposition Labour party might be thinking up after Hunt shamelessly borrowed some of its biggest ideas. 


    For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

    If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.


    Want more?

    For a full guide to tax changes, read this FT Weekend piece: Will the Budget leave you better off? 

    Listen to more episodes, such as Tax cuts: will they or won’t they?, When is a tax cut not a tax cut? The Autumn Statement digested and more.

    Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.


    Read a transcript of this episode on FT.com


    Hosted on Acast. See acast.com/privacy for more information.

  • Investors are expecting artificial intelligence to power the next tech revolution - but are they right? Positive numbers from AI chipmaker Nvidia have powered a global stock market rally in recent weeks, with valuations of the so-called Magnificent Seven soaring as AI enters the mainstream. In this episode, Claer sits down with “AI maximalist” Ben Rogoff, lead fund manager of the ÂŁ3.5bn Polar Capital Technology Trust. With more than 80 per cent of his fund’s underlying investments aimed at capturing future growth from AI, he explains what’s informing his investment strategy and responds to fears of a valuation bubble. He also shares with Money Clinic listeners why “odd” behaviour from tech leaders could be a sign that change is happening faster than markets think.


    For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

    If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.


    Want more?

    Check out Claer’s column, Overheard in the newsroom: who will be this year’s Budget winners?

    Listen to more investor masterclasses, such as What’s in your global tracker fund?, Four ways to beat the market and more.

    Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.


    Read a transcript of this episode on FT.com


    Hosted on Acast. See acast.com/privacy for more information.

  • Most people know that you need a good credit score to be able to borrow money, but how to start building one is a mystery. First aired in June 2022, in this episode of Money Clinic, host and FT consumer editor Claer Barrett sits down with listener Emma, 22, who has never been in debt before, aside from her student loans. Emma has heard that getting a credit card could increase her chances of taking out a mortgage in the future, but before she applies for one, what does she need to consider? In this episode, Claer gives Emma’s credit score an MOT with help from Katie Watts, a consumer expert at moneysavingexpert.com, and debt adviser Sara Williams, who runs the Debt Camel blog. Together, they explain the hidden world of credit scores, credit files and tips on how to use credit responsibly, as well as offer tips on how to improve your credit score — and why this might be worth doing.


    For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

    If you would like to be a guest on a future episode of Money Clinic, email us at [email protected] or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.


    Want more?

    Check out Claer’s column, A dating app with credit scores: what’s not to love?

    Listen to more episodes, such as Credit scores: when a small debt becomes a big problem, Should I pay off my student loan early?, and more. 


    Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.



    Hosted on Acast. See acast.com/privacy for more information.

  • This bonus season, will the UK’s top earners invest their payouts tax-efficiently into pensions and Isas, or use them to pay down debts? In this episode, Money Clinic host Claer Barrett and FT communities editor Lucy Warwick-Ching discuss key findings from nearly 3,000 responses to the FT’s annual anonymous bonus survey. They are joined by Nimesh Shah, the tax expert and CEO of advisory firm Blick Rothenberg, and financial planner Adam Walkom, partner at Permanent Wealth Partners and author of Plan For Happy. Even if you’re not lucky enough to receive a bonus this year, learning what other FT readers plan to do with theirs provides some valuable – if enviable – financial insights. 


    Read Claer and Lucy’s full breakdown of this year’s FT readers’ bonus survey, Pay out or doughnut? FT readers’ bonus secrets

    For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

    Follow Claer on social media @Claerb and contact the Money Clinic team via [email protected]


    Want more?

    Check out Claer’s column, A dating app with credit scores: what’s not to love?

    Listen to more episodes on bonuses and tax, such as Should I save, spend or invest my bonus?, When is a tax cut not a tax cut? The Autumn Statement digested, and more.


    Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.


    Read a transcript of this episode on FT.com


    Hosted on Acast. See acast.com/privacy for more information.

  • The viral ‘finfluencer’ Clare Seal, better known by her handle, My Frugal Year, to her almost 120,000 Instagram followers, is known for her compassionate approach to managing debt. Having cleared ÂŁ27,000 of credit card debt, the author and financial coach sat down with host Claer Barrett to share practical tips on how to start repaying debt, manage the cost of parenthood and address feelings of shame surrounding indebtedness.


    If you need to speak to someone about your debts, please seek advice from free debt advice charities such as the National Debt Line and Step Change. 

    This episode contains a mention of suicide. If you are in need of urgent mental health support, please contact your local emergency services or reach out to a mental health helpline, such as the Samaritans.

    For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

    Follow Claer on social media @Claerb and contact the Money Clinic team via [email protected]


    Want more?

    Check out Claer’s column, A dating app with credit scores: what’s not to love?

    Listen to more episodes on financial planning, such as How to Sort Your Financial Life Out in 2024, Credit Card Clinic: How to get on top of your debts in 2024, and more.


    Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.


    Read a transcript of this episode on FT.com


    Hosted on Acast. See acast.com/privacy for more information.

  • Will taxes rise or fall in next month’s Spring Budget? Host Claer Barrett visits the recently appointed financial secretary to the Treasury, Nigel Huddleston. He addresses the topic of tax cuts as well as listener concerns about static personal allowance thresholds, reduced entitlements to child benefit and ISA withdrawal penalties. 


    Back in the studio, FT’s Whitehall editor and Political Fix podcast host Lucy Fisher joins Claer to scratch beneath the surface of the minister’s comments on progressive tax policy in light of the IMF’s latest warning to chancellor Jeremy Hunt not to lower taxes. The two also discuss the national insurance reduction, the future of Lifetime ISAs and the importance of appealing to younger voters in the run-up to the election.


    Read the full news story here. 

    For tips on how to organise your money, sign up to email series Sort Your Financial Life Out With Claer Barrett at FT.com/moneycourse

    Follow Claer on social media @Claerb and contact the Money Clinic team via [email protected]


    Want more? 

    Check out economics editor Sam Fleming’s article, IMF warns Jeremy Hunt against tax cuts in call to shore up UK public finances

    Listen to more episodes on tax, such as When is a tax cut not a tax cut? The Autumn Statement digested, Understanding economics: why it matters for your money, and more.


    Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.


    Read a transcript of this episode on FT.com


    Hosted on Acast. See acast.com/privacy for more information.

  • The broadcaster and investment commentator, Justin Urquhart-Stewart, is well-known to millions for wearing bright red braces during his many TV appearances explaining the ups and downs of the investment world. The co-founder and former director of Seven Investment Management sat down with host Claer Barrett to recount his decades-long City career, during which time the ability for retail investors to put their capital to work has become measurably easier - and cheaper. 


    For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

    Follow Claer on social media @Claerb and contact the Money Clinic team via [email protected]


    Want more?

    Check out Claer’s column, Why do we think we can beat the market?

    Listen to more investment masterclasses, like How and ISA millionaire chooses stocks, Four ways to beat the market and more.


    Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.


    Read a transcript of this episode on FT.com


    Hosted on Acast. See acast.com/privacy for more information.

  • Niamh is 24 but she wants to make sure she’s in a financially stable position when she is older. How should she go about saving and investing for her long-term future? Presenter Claer Barrett is joined by Holly Mackay, founder of Boring Money, and financial planner Michael Martin, founder of Cannizaro, who discuss the pros and cons of private and workplace pensions, Lifetime Isas, mortgage overpayments and index investing.


    Want more?

    Check out Claer’s column: Why do we think we can beat the market?

    For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

    Follow Claer on social media @Claerb and contact the Money Clinic team via [email protected]


    Presented by Claer Barrett. Produced by Philippa Goodrich and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.


    Read a transcript of this episode on FT.com


    Hosted on Acast. See acast.com/privacy for more information.

  • Introducing Untold, a new podcast from the special investigations team at the Financial Times. In its first series, The Retreat, host Madison Marriage examines the world of the Goenka network, which promotes a type of intensive meditation known as Vipassana. Thousands of people go on Goenka retreats every year. People rave about them. But some people go to these meditation retreats, and they suffer. They might feel a deep sense of terror, or a break with reality. And on the other side, they’re not themselves anymore. Untold: The Retreat launches Jan. 24.


    Subscribe and listen on: Apple Podcasts, Spotify or wherever you get your podcasts.


    Hosted on Acast. See acast.com/privacy for more information.

  • Mortgage lenders are cutting their rates. That’s good news for anyone thinking of buying or remortgaging a property. Presenter Claer Barrett and a panel of experts answer questions from listeners looking to switch, lock in a new rate, or wondering whether to go from fixed to variable rate deals. With Andrew Montlake, managing director of Coreco mortgage brokers, mortgage advisor Dan Knott, aka Dan Does Mortgages, and Rachael Sinclair, managing director for mortgages at Nationwide.


    For more tips on how to save for a mortgage sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse


    Follow Claer on social media @Claerb and contact the Money Clinic team via [email protected]


    Want more?

    Read Claer’s column: Why it pays to be picky about mortgage brokers

    Barclays and Santader announce cuts to UK mortgage rates

    How far will UK mortgage rates fall?


    Presented by Claer Barrett. Produced by Philippa Goodrich and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.


    Read a transcript of this episode on FT.com


    Hosted on Acast. See acast.com/privacy for more information.

  • First aired in September 2022, Claer Barrett takes to the supermarket aisles to find the best tips for keeping the cost of the weekly food shop to a minimum. She hears from Laura Gaga aka Reduction Raider on how and where to find yellow sticker bargains, while Richard Walker, managing director of Iceland supermarkets, explains why his chain has introduced interest-free buy-now-pay-later loans for struggling customers.


    Follow Laura Gaga on instagram @reduction_raider1

    And if you would like to get in touch with us about your experiences of renting property, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok. 

    Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. 



    Hosted on Acast. See acast.com/privacy for more information.

  • ‘If you can tell a good story,’ says Morgan Housel, ‘you’ll get people to line up and listen to you.’ In this episode of Money Clinic, Morgan shares some of those stories with host Claer Barrett and challenges us to think differently about our attitude to wealth and wealth creation. 


    To sign up for Claer's Sort Your Financial Life Out money series, visit FT.com/moneycourse

    More information on Morgan Housel and his books: https://www.morganhousel.com/

    Follow Claer on social media @Claerb and contact the Money Clinic team via [email protected]


    Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.


    Read a transcript of this episode on FT.com


    Hosted on Acast. See acast.com/privacy for more information.

  • With the bills rolling in after Christmas, this week’s episode is devoted to helping listeners tackle their credit card debts on a practical and emotional level - no matter how big or small they might be. Host Claer Barrett hears from experienced debt adviser Sara Williams of the popular Debt Camel blog and Instagram account, Helen Saxon, deputy editor of Money Saving Expert, and Dr Pamela Roberts, a shopping addiction specialist at the Priory Clinic. They give tips on balance transfers and on how to resist the urge to splurge. 


    To sign up for Claer's Sort Your Financial Life Out money series, visit FT.com/moneycourse


    Links: 

    Business Debtline here  

    Citizens Advice here 

    Stepchange here

    Debt Camel Blog here

    For the MSE Credit card eligibility calculator, go here 


    To listen to the Money Clinic episode about shopping addiction, go here

    Follow Claer on social media @Claerb and contact the Money Clinic team via [email protected]

    Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design by Simon Panayi, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.


    Read a transcript of this episode on FT.com


    Hosted on Acast. See acast.com/privacy for more information.

  • If you’re looking for inspiration for managing your money more effectively in 2024, this episode is for you! Claer Barrett is joined in the FT studio by popular financial experts Bola Sol, Timi Merriman-Johnson aka Mr MoneyJar, and Damien Jordan. Between them they offer a wealth of tips for navigating next year’s expected financial challenges and share their own money stories and strategies.


    To sign up for Claer's Sort Your Financial Life Out money course, visit FT.com/moneycourse

    If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem and how you would like us to help. 

    You can follow Claer on X and Instagram @Claerb


    Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design by Simon Panayi, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.


    Read a transcript of this episode on FT.com


    Hosted on Acast. See acast.com/privacy for more information.

  • Algy Hall has four strategies for seeking out stocks that will outperform the index, highlighted in his new book Four Ways to Beat the Market. They are: quality, value, income, and momentum. Each one homes in on a very different kind of company – from the undisputed champion to the comeback kid, and from the slow-but-steady to the on-a-roll. Presenter Claer Barrett gets Algy to explain the thinking behind each strategy. The two also reminisce about their time working together as financial journalists at the Investors’ Chronicle, and Algy reveals his unusual polymathic side-gig.


    If you would like to sign up to the FT’s new money newsletter course Sort Your Financial Life Out with Claer Barrett, please click here

    Find out more about Algy’s book Four Ways to Beat the Market here

    You can listen to the previous Investment Masterclass with Lord John Lee, which Claer mentions in this week’s episode, here.

    If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help. 

    You can follow Claer on X and Instagram @Claerb


    Presented by Claer Barrett. Produced by Laurence Knight and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.


    Read a transcript of this episode on FT.com


    Hosted on Acast. See acast.com/privacy for more information.

  • Lord John Lee of Trafford was the first person in the UK to reach ÂŁ1mn invested in his stocks and shares ISA. He has a clear strategy based around choosing UK smallcap companies that pay dividends. This is another chance to hear him in conversation with presenter Claer Barrett, explaining his investment strategy and how he chooses stocks.


    To sign up for Claer's Sort Your Financial Life Out email series, visit this link 


    Want more?

    My Isa has suffered - but I’m still a firm believer

    How to make ISAs even nicer

    Investment masterclass: ISA investing is changing


    If you would like to talk to Claer on a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help.  

    Say hello on social media: you can follow Claer on Twitter and Instagram @Claerb 

    Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. 


    Read a transcript of this episode on FT.com


    Hosted on Acast. See acast.com/privacy for more information.

  • Global equity funds are a mainstay in most investors’ portfolios, but few peer under the bonnet to examine the gigantic, global companies included in these investments. Host Claer Barrett speaks to veteran investor and FT columnist Simon Edelsten about the ‘Magnificent Seven’ US tech stocks that comprise up to a quarter of the weighting in some global trackers. Can their impressive performance in 2023 continue? Simon considers the potential impact of big global trends including higher inflation, AI and climate change, and answers questions from listeners. 


    Free articles

    Microsoft will have observer role on Open AI's new board

    Tech turkeys and picking AI winners


    If you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help. 

    Follow Claer on X, formerly Twitter, and Instagram @Claerb

    Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.


    Read a transcript of this episode on FT.com


    Hosted on Acast. See acast.com/privacy for more information.

  • Tax cuts were the centrepiece of the Autumn Statement last week – with national insurance bills set to drop in January for 27mn UK workers – but these savings stand to be wiped out by ‘stealth taxes’. Host Claer Barrett crunches through the numbers and explores the Autumn Statement’s impact on pensions, Isas and other investments, with Katie Martin, the FT’s markets editor and co-presenter of the Unhedged podcast, Sam Fleming, the FT’s economics editor, and Rafe Uddin, the FT’s UK politics reporter. 

    Clips: UK Parliament TV


    Free links:

    Tell Sid all you like - but he might not buy NatWest

    The Autumn Statement and your money

    Q&A: How will the Autumn Statement affect me?


    For related FT podcasts:

    UK equity markets have had a torrid time, as our recent Investment Masterclass with UK fund manager Nick Train explores, listen here

    Hear Claer and FT editors chat to Political Fix podcast host Lucy Fisher about the speed of tax cuts and the likely timing of the next general election, here 

    If you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help. 

    Follow Claer on X and Instagram @Claerb

    Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Sean Kovacs McGarrity, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.


    Read a transcript of this episode on FT.com


    Hosted on Acast. See acast.com/privacy for more information.