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Over the past decade, British pensions have undergone significant transformations. With the introduction of Auto-Enrolment, advances in technology, and more flexible regulations, it’s become easier for individuals to plan and manage their retirement savings.
As the new government took office, the Chancellor introduced yet more changes to pensions in the Autumn Budget. So, what can we expect moving forward?
Join our host, Philippa Lamb, and our expert panel as they look back at the biggest pension changes over the past decade and how you can plan for a happy retirement in an everchanging world.
Founder and Editor of Money to the Masses, Damien Fahy; Money Advice Editor at The Telegraph, Sam Brodbeck; and PensionBee’s Founder and CEO, Romi Savova. Episode Breakdown:01:01 PensionBee’s origin story
03:30 Billions of pounds lost in missing pensions
05:25 Why do people disengage?
08:28 The revolving door of pensions changes
10:04 The big pension changes that have shaped the past decade
12:00 Introduction of Auto-Enrolment
14:41 Pension Freedoms reforms
16:33 Where your money is, exactly
20:20 Understanding market ups and downs
22:52 How do UK pensions compare internationally?
Further reading and listening:To learn more about changes in the pensions industry, check out these articles and podcasts from PensionBee:
Episode transcript What does the Autumn Budget 2024 mean for your pension? (Podcast) E26: Are you ready for your 100-year life? (Podcast) E18: How to not run out of money in retirement (Podcast) E12: Financial jargon, what does it all mean? (Podcast) E11: How to prepare for a happy retirement (Podcast) Preparing for retirement checklist Understanding market volatility and how it can impact your pension What does the Autumn Budget 2024 mean for your pension? What is Auto-Enrolment? What is a defined benefit pension? What is a defined contribution pension? Other useful resources: How do I find lost pensions? (Gretel) Life expectancy calculator (Office for National Statistics) Pension Calculator (PensionBee) Pension Tracing Service (GOV.UK) The Retirement Living Standards (Pensions and Lifetime Savings Association) Trillions: How a Band of Wall Street Renegades Invented the Index Fund and Changed Finance Forever by Robin Wigglesworth (Book)Catch up on the latest news, read our transcripts or watch on YouTube:
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Follow Money to the Masses (@moneytothemasses) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.
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Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: [email protected].
In this bonus episode of The Pension Confident Podcast, we bring you part one of our myth-busting series on common financial mistakes and how to avoid them!
Tune in to hear the best bits from episodes 19, 23, 27, 29 and 31. Our host, Philippa Lamb, and our expert guests cover everything from why people become reliant on credit cards to how credit scores actually work. We hear from:
Founder of All Things Money, Ola Majekodunmi; PensionBee’s Head of Brand and Communications, Brooke Day; Co-Founder of Millennial Money UK, Niaz Azad; Mumsnet CEO, Justine Roberts CBE; Founder and CEO of Boring Money, Holly Mackay; PensionBee’s VP Product, Martin Parzonka; and Consumer Affairs Manager at Experian, John Webb.Episode Breakdown:
00:35 The pressure of borrowing for education
02:06 Keeping up with the Joneses
03:57 The astronomical cost of childcare
05:25 High charges that come with debt
06:39 What does a ‘credit score’ mean?
09:30 The risk of ‘financial association’
Further reading and listening:To learn more about avoiding financial mistakes with borrowing money and credit scores, check out these articles and podcasts from PensionBee:
Episode transcript E19: Can you afford to have kids? (Podcast) E23: Common financial mistakes and how to avoid them (Podcast) E27: What’s the cost of friendship? (Podcast) E29: Pensions vs. cash - which is best? (Podcast) E31: How can I improve my credit score? (Podcast) How can I improve my credit score? How do you pay off a credit card? How important is financial independence? Is it better to pay off your student loan or top up your pension? Should you pay off your child’s student loan? The effects of debt and how we can break the cycle What is the impact of debt on mental health? Other useful resources: Credit score basics: everything you need to know (Experian) Get free debt advice (StepChange) Help with debt (Citizens Advice) How to check your credit report for free (Money Saving Expert) Student grants, bursaries and scholarships (Save The Student)Catch up on the latest news, read our transcripts or watch on YouTube:
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Follow Ola (@allthingsmoney_) on X, Instagram, TikTok, Facebook and LinkedIn.
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Follow @Mumsnet on X, Instagram, Facebook, TikTok and LinkedIn.
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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].
This month on The Pension Confident Podcast we’re shining a light on an important topic - financial abuse. It’s a part of economic abuse, a legally recognised form of domestic abuse and it can happen to anyone. Join our host, Philippa Lamb, and our expert panel as they discuss what to do if you or someone you know is being financially abused, how to spot the signs and what support is available.
Research and Policy Officer at Hourglass; and PensionBee’s VP of Second Line Compliance, Jaypee Soule.Episode breakdown:
01:00 What is financial abuse and who does it impact?
06:59 The underreporting of financial abuse
09:22 What are the effects of financial abuse?
11:28 Who is committing financial abuse?
14:06 How do financial services protect against financial abuse?
16:48 How to keep yourself and your funds safe from financial abuse
18:53 What are the signs of financial abuse to look out for?
20:40 How are financial abuse cases recorded?
21:38 What support is available for victims of financial abuse?
24:04 The importance of financial awareness
26:13 Understanding powers of attorney
Further reading:To learn more about some of the themes discussed, check out these articles and podcasts from PensionBee:
E33: How to spot the signs of financial abuse (Podcast transcript) E10: What are the effects of debt and what can you do if you find yourself in it? (Podcast) E7: How to stay safe from fraud and financial scams (Podcast) Bonus episode: How to avoid financial scams (Podcast) 8-step guide to help you stay safe online Power of attorney Anti-Scams LegislationOther useful resources:
Keeping you and your loved ones safe from economic abuse. (Hourglass) How to identify financial abuse in a relationship (Very Well Mind) Financial abuse: spotting the signs and leaving safely (Money Helper) Hourglass. Safer ageing. Stopping abuse. Financial abuse: what is it? (Age UK) Economic abuse (Refuge) Surviving Economic Abuse Women’s Aid One Love Foundation Office of the Public GuardianCatch up on the latest news, read our transcripts or watch on YouTube:
The Pension Confident Podcast The Pension Confident Podcast on YouTubeFollow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.
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Follow Danny Tatlow on LinkedIn.
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Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: [email protected].
In this special bonus episode of The Pension Confident Podcast, we cover some of the key announcements in the government’s Autumn Budget and what they could mean for you and your finances.
Tune in as our host, Philippa Lamb and PensionBee’s Spokesperson, Annabelle Williams, cover the changes made to:
employer National Insurance contributions; Inheritance Tax; capital gains tax; and Stamp Duty.
Episode Breakdown:01:33 Initial thoughts on the Autumn Budget
02:42 Employers National Insurance contributions
04:23 Inheritance Tax and pensions
09:07 Changes to capital gains tax
11:06 Stamp Duty
12:33 Impact on working people
13:15 What are ‘stealth taxes’?
Further reading and listening:To learn more about financial scams and protecting yourself and your money, check out these articles and podcasts from PensionBee:
Episode transcript What does the Autumn Budget 2024 mean for your pension? What does the first UK female Chancellor mean for my pension savings? Inheritance Tax guide What’s a workplace pension? Pension death benefits Defined contribution pensions How pensions can cut your tax bill Pension tax relief Should I pay into a pension or an ISA? What is Auto-Enrolment? Why has renting got so expensive? E17: Should you save into a pension or an ISA? (Podcast) E22: Why is renting so expensive? (Podcast) E32: How to understand your pension balance (Podcast)Other useful resources:
Autumn Budget 2024 (HM Treasury) How Inheritance Tax works (GOV.UK) National Insurance rates and categories (GOV.UK) Stealth Taxes: What are they, how they work (Investopedia) National Minimum Wage and National Living Wage rates (GOV.UK) Stamp Duty Land Tax (GOV.UK)Catch up on the latest news, read our transcripts or watch on YouTube:
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Follow Annabelle Williams on LinkedIn.
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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 our busy lives, it’s easy to overlook those annual statements from your pension provider. But knowing how much you have saved is essential for planning a comfortable retirement.
This month on The Pension Confident Podcast we’re talking about how to understand your pension balance. Join our host, Philippa Lamb, and our expert panel as they break down everything from making sense of those annual statements to hunting down lost pension pots.
Behavioural Economist and Director at Fairer Finance, Tim Hogg; Financial Journalist and Founder of Much More With Less, Faith Archer; and PensionBee’s Senior Team Leader, Alex Langley. Episode Breakdown:01:03 What is a pension balance?
02:50 How to check how much you have in your pension?
04:40 What happens if you’ve lost your pensions?
06:44 Avoiding pension procrastination
10:20 How can you check if you’re on track for retirement?
13:40 The ‘fresh start’ effect
16:40 The Retirement Living Standards
20:31 Overcoming ‘present focus’
22:12 How can you improve your pension balance?
26:35 Saving for a longer life
Further reading:To learn more about where you could put your savings, check out these articles and podcasts from PensionBee:
Episode 32 transcript E29: Pensions vs. cash - which is best? E26: Are you ready for your 100-year life? E18: How to not run out of money in retirement E11: How to prepare for a happy retirement How are pensions invested? How can I find my pensions? How to diversify your pension investments How to look after your financial wellbeing in 2024 How to understand your pension balance Understanding market volatility and how it can impact your pension What is a defined benefit pension? What is a defined contribution pension? What is a pension statement? When will my pension balance recover? Other useful resources: How do I find lost pensions? (Gretel) Inflation Calculator (PensionBee) Life expectancy calculator (Office for National Statistics) Pension Calculator (PensionBee) Pension Tracing Service (GOV.UK) Temporal focus: Thinking about the past, present, and future (Science Direct) The Retirement Living Standards (Pensions and Lifetime Savings Association) What is the fresh start effect? (The Behavioral Scientist)Catch up on the latest news, read our transcripts or watch on YouTube:
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Follow Fairer Finance (@fairerfinance) on Instagram, LinkedIn, Facebook and X.
Follow Faith Archer (@MuchMoreWith Less) on LinkedIn, Facebook and X.
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Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: [email protected].
In this bonus episode of The Pension Confident Podcast, we’re revisiting an important topic - financial scams. According to research by UK Finance, £1.17 billion was stolen through fraud in 2023. So what are the red flags we all need to watch for when it comes to our finances?
Tune in to hear the best bits from episode seven, as our host, Philippa Lamb and our expert guests shared their top tips to avoid financial scams and what to do if you think you’ve been a victim. We hear from:
Former Chief Executive of The Pensions Advisory Service and Independent Non-Executive Director at PensionBee, Michelle Cracknell CBE; Former Head of Security and Counter Fraud at Open Banking, Lisa Markey; and PensionBee’s CTO, Jonathan Lister Parsons.
Episode Breakdown:01:37 Personal stories from the guests
03:38 The different types of financial scams
05:29 Scams and vulnerable people
06:35 Pension scams
11:15 How to spot the signs of financial fraud
12:44 What to do if you think you might be a victim
Further reading and listening:To learn more about financial scams and protecting yourself and your money, check out these articles and podcasts from PensionBee:
Episode transcript E7: of The Pension Confident Podcast: How to stay safe from fraud and financial scams (Podcast) How to spot a pension scam 4 pension scams to watch out for What is pension liberation? Early pension release rulesOther useful resources:
Scams Awareness Campaign (Citizens Advice) Annual Fraud Report 2024 (UK Finance) 'Scam Man and Robbin' game The Money and Pensions Service Financial Conduct Authority (FCA) Types of pension scams (FCA) Protect yourself from scams (FCA) Reporting fraud and cyber crime (Action Fraud)Catch up on the latest news, read our transcripts or watch on YouTube:
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Follow Michelle and Lisa on LinkedIn.
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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].
Most people have heard of the term ‘credit score’ but often that’s as far as it goes. What is your credit score, how is it calculated and why does it even matter?
This month on The Pension Confident Podcast we’re talking about the dark-art of how to improve your credit score. Join our host, Philippa Lamb, and our expert panel as they discuss the ins and outs of our financial history and the impact it can have on our financial future.
Consumer Affairs Manager at Experian, John Webb; Author, Columnist and Content Creator, Clare Seal; and PensionBee’s VP Data, Luis Mejia.Episode Breakdown:
01:08 What is a credit score and why does it matter?
05:28 Credit score jargon explained
11:13 How is a credit score calculated?
16:28 How do I know if my credit score is good or bad?
19:36 Spotting and correcting errors in your credit report
20:38 Understanding your credit score
22:05 How to improve your credit score
26:37 Busting credit score mythsFurther reading:
To learn more about some of the themes discussed, check out these articles and podcasts from PensionBee:
Episode 31 transcript E10: What are the effects of debt and what can you do if you find yourself in it? (Podcast) E15: How can we achieve financial inclusion? (Podcast) E23: Common financial mistakes and how to avoid them (Podcast) How can I improve my credit score? Retirement planning in your 20s The importance of financial inclusion What to do with inheritance money Can a guarantor be retired? How to talk about moneyOther useful resources:
What is a credit score? How is it calculated and what affects it? (Loqbox) Why credit scores matter in retirement (Expedia) Getting to grips with your credit report and score (TransUnion) Credit report errors can ruin your credit score - are your records correct? (Which?) Getting your credit score from a bank (Investopedia)Catch up on the latest news, read our transcripts or watch on YouTube:
The Pension Confident Podcast The Pension Confident Podcast on YouTubeFollow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.
Follow Clare Seal (@clare.seal) on Instagram, LinkedIn and X.
Follow Experian (@Experian_UK) on X, YouTube, Instagram, TikTok, Facebook and LinkedIn.
Follow John Webb on LinkedIn.
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Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: [email protected].
In this bonus episode of The Pension Confident Podcast, we return with part two of our financial crash course for parents. If you haven’t heard part one yet don’t worry, you can go back and find it on our feed.
Tune in to hear the best bits from episodes eight and 23, as our host, Philippa Lamb and our expert guests cover everything from pocket money economics to talking to your children about how debt works. We hear from:
Certified Money Coach, Mentor, and Founder of The Money Whisperer, Emma Maslin; Personal Finance Journalist, Laura Miller; Co-Founder and CEO of NatWest Rooster Money, Will Carmichael; and Personal Finance Expert and Founder of Mrs MummyPenny, Lynn Beattie.Episode Breakdown:
01:03 Understanding compound interest
02:22 Pocket money economics
04:05 Teaching kids about debt
05:29 Juggling a family and finances
06:39 Differentiating between rich and wealthy
08:24 How kids can teach us about money
Further reading and listening:To learn more about personal finance tips for new parents, check out these articles and podcasts from PensionBee:
Episode transcript 5 steps to plotting your personal finance roadmap E8 of The Pension Confident Podcast: How to teach kids about money (Podcast) E14 of The Pension Confident Podcast: What’s the impact of your relationship status on your finances? (Podcast) E19 of The Pension Confident Podcast: Can you afford to have kids? (Podcast) How to teach kids about money Money saving tips for families Should I teach my children about money? Teaching kids about money: How can we improve financial literacy among children? What is compound interest? What is compound interest? - Pensions 101 (Video) Other useful resources: Child Benefit (Gov.uk) How do you tell kids you cannot afford something? (StepChange) How much pocket money should I give? (Rooster Money) How to teach kids about money (MoneyHelper) Mumsnet (Mumsnet) New apps are teaching children how to manage their money (The Economist) Tax-Free Childcare (Gov.uk)Catch up on the latest news, read our transcripts or watch on YouTube:
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Follow Emma Maslin (@MoneyWhisperer_) on X, Threads, Instagram, Facebook and LinkedIn.
Follow Laura Miller (@thatlaurawrites) on X and LinkedIn.
Follow NatWest Rooster Money (@rooster_money) on X, YouTube, Threads, Instagram, TikTok, Facebook and LinkedIn.
Follow Lynn Beattie (@MrsMummypennyUK) on YouTube, Instagram, Facebook and LinkedIn.
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Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: [email protected].
In this bonus episode of The Pension Confident Podcast, we’re sharing the best bits from one of our live events - the PensionBee Roadshow. In our Manchester edition, our expert guests shared tips for how you can start preparing for a happy retirement. Tune in to hear from:
Financial Journalist and Founder of Much More With Less, Faith Archer; Financial Expert, Author and Host of The Conversation of Money, Peter Komolafe; Personal Finance Expert and Founder of Pennies to Pounds, Kia Commodore; Personal Finance Expert and Founder of Mr MoneyJar, Timi Merriman-Johnson; and CMO at PensionBee, Jasper Martens.Episode breakdown:
00:50 Visualising your retirement savings
01:26 Workplace pensions and Auto-Enrolment
02:42 How to stick to your savings goals
03:40 Three ways to boost your pension savings
04:44 Balancing rising costs and saving for your future
05:41 Learning about investments and pensions
06:59 Understanding where your pension is invested
08:02 Pension Wise
08:24 What is pension drawdown?
09:15 Leaving your pension to loved ones
Further reading, watching and listening:
How to plan for a happy retirement (YouTube)
How to set a good retirement goal (YouTube)
What happens at a Pension Wise appointment? (YouTube)
Different ways to access your pension pot (YouTube)
E18 of The Pension Confident Podcast: How to not run out of money in retirement (Podcast)
E11 of The Pension Confident Podcast: How to prepare for a happy retirement (Podcast)
E5 of The Pension Confident Podcast: What can we do to cope with the cost of living crisis? (Podcast)
How much income do you need in retirement?
How much money do you need to retire in the UK?
Preparing for retirement checklist
What income would a £100,000 pension pot give you?
What is Auto-Enrolment?
What makes a happy retirement?
Pension decumulation
Retirement planning in your 20s
Retirement planning in your 30s
Retirement planning in your 40s
Retirement planning in your 50s
Pension rules after death
Pension beneficiaries
Other useful resources:
Pension Drawdown Calculator (PensionBee)
Pension Calculator (PensionBee)
Pension Wise (MoneyHelper)
Pension Quality Mark - PQM (Pensions and Lifetime Savings Association)
Retirement Living Standards (Pensions and Lifetime Savings Association)
Catch up on the latest news, read our transcripts or watch on YouTube:
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Enjoying the podcast? Then don’t forget to rate and give us a review! As always we’d love to hear your suggestions and feedback. Send us an email: [email protected].
The Pension Confident Podcast is taking a short summer holiday this August, but don’t worry - we’ve got some bonus content coming while you wait for the rest of Series Three!
The next bonus episode will be a fantastic conversation from the PensionBee Roadshow last year, all about how you can save for a happier retirement. Plus, look out for part two of our personal finance tips for parents.
In the meantime, you can go back and listen to all our episodes so far wherever you get your podcasts. We’ve covered so much already from the Bank of Mum and Dad and the real cost of your friendships, to saving to live to age 100 and how to earn more money.
Don’t forget to subscribe to your favourite podcast app so you never miss an episode. Catch up on the latest news, read our transcripts or watch on YouTube:
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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].
For many people diligently building their nest egg, the question of money’s link to happiness is a natural one. After all, financial security can reduce a significant source of stress. But can simply having more money guarantee a life filled with joy?
This month on The Pension Confident Podcast we’re talking about the age-old question: can money buy happiness? Join our host, Philippa Lamb, and our expert panel as they discuss the relationship between money and happiness.
Author and Co-Founder of The Humble Penny and The Financial Joy Academy, Ken Okoroafor; Occupational Psychologist and chartered member of the British Psychological Society, Kim Stephenson; and PensionBee’s Head of Culture, Inclusion and Wellbeing, Emily Tribe. Episode Breakdown:01:23 At different ages, different things matter
04:10 Does money equal happiness?
06:30 The source of money changes the equation
10:10 Understanding your appetite for risk
13:57 Maslow’s hierarchy of needs
16:20 Avoiding lifestyle creep and finding joy
19:10 The marshmallow test
23:13 How can you boost your happiness
Further reading:To learn more about where you could put your savings, check out these articles and podcasts from PensionBee:
Episode 30 transcript 4 reasons why sorting your pension is important for your health Can money buy happiness? E11: How to prepare for a happy retirement E18: How to not run out of money in retirement E25: How to earn more money How much money do you need to retire in the UK? Is it time to find your new career? Making happiness a habit Preparing for retirement checklist Work doesn’t have to end at retirement - the over-60s make happy entrepreneurs Other useful resources: 10 Ways Life Is a Marshmallow Test (Psychology Today) Being richer than your peers can make you happier (Financial Accountant) Does money buy happiness, according to science? (Clearer Thinking) Financial Joy by Ken & Mary Okoroafor (Book) Maslow’s Hierarchy Of Needs (Simply Psychology) Pension Calculator (PensionBee) Seligman’s PERMA+ Model Explained: A Theory of Wellbeing (Positive Psychology) What Is Loss Aversion? (Psychology Today)Catch up on the latest news, read our transcripts or watch on YouTube:
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Follow Humble Penny (@TheHumblePenny) on TikTok, YouTube, Instagram, LinkedIn, Facebook and X.
Follow Kim Stephenson (@kimpstephenson) on LinkedIn and X.
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Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: [email protected].
In this bonus episode of The Pension Confident Podcast, we have tips for new parents: from the benefits you could be eligible for, to the impact parenthood could have on your pension.
Tune in to hear the best bits from episodes three and 19, as our host, Philippa Lamb and our expert panels discuss nesting, building emergency funds as a new parent and more. We hear from:
CEO of Mumsnet, Justine Roberts CBE; Founder of Vestpod, Emilie Bellet; Money Advice Editor at The Telegraph, Sam Brodbeck; Senior Digital Editor at Money Week, Kalpana Fitzpatrick; PensionBee’s CTO, Jonathan Lister Parsons; and PensionBee’s CEO, Romi Savova.
Episode Breakdown:00:37 The reality of Shared Parental Leave
02:22 Statutory rights for adoption
03:13 How to budget for a new baby
04:44 Anticipating early costs and childcare expenses
06:23 Exploring Tax-Free Childcare Allowance and Child Benefit
08:05 Parenthood and the Gender Pension Gap
09:31 Starting a conversation, before starting a family
Further reading and listening:To learn more about personal finance tips for new parents, check out these articles and podcasts from PensionBee:
Episode transcript E19: Can you afford to have kids? With Justine Roberts CBE, Kalpana Fitzpatrick and Jonathan Lister Parsons E3: How do we tackle the gender pension gap? With Sam Brodbeck, Emilie Bellet and Romi Savova Pensionbee’s research on fair sharing of childcare PensionBee Parental Leave Policy What I learned about mothers and their pensions from answering Mumsnet questions Why parents need to make a Child Benefit claim to protect their State Pension Other useful resources: Mumsnet Statutory Maternity Pay and Leave (Gov.uk) Statutory Paternity Pay and Leave (Gov.uk) Statutory Adoption Pay and Leave (Gov.uk) Disability Living Allowance for children (Gov.uk) Tax-Free Childcare (Gov.uk) Child Benefit (Gov.uk) Boosting paternity leave has economic benefits (Pregnant Then Screwed) Average childcare costs (MoneyHelper) Transparency on parental pay (ABI)Catch up on the latest news, read our transcripts or watch on YouTube:
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Follow PensionBee (@PensionBee) on X, Threads, Instagram, TikTok, Facebook and LinkedIn.
Follow Mumsnet (@Mumsnet) on X, Instagram, Facebook, TikTok and LinkedIn.
Follow Vestpod (@VestPod) on X, Instagram, TikTok, Facebook and LinkedIn.
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Follow Sam (@sambrodbeck) on X and LinkedIn.
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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].
Since the start of 2022, the Bank of England has raised the base interest rate 13 times. So it’s no surprise that savers are reconsidering where to put their money. Cash savings are easily accessible but may lose value due to inflation. Meanwhile, pensions offer potential long-term growth but lock away funds until retirement.
This month on The Pension Confident Podcast we’re talking about the pros and cons of pensions and cash - how can you make the most of both? Join our host, Philippa Lamb, and our expert panel as they discuss building an emergency fund, making the most of your cash savings and saving for retirement.
Founder and CEO of Boring Money, Holly Mackay; and PensionBee’s VP Product, Martin Parzonka. Episode Breakdown:01:36 How does inflation eat away at our money?
02:52 Shopping around for the best rate
07:44 Building an emergency fund
10:51 State benefits that are impacted by savings
11:57 What are the rules on cash savings?
16:39 Small steps to save for your future
18:26 Are pensions ‘hot’?
22:36 The case for personal pension saving
Further reading:To learn more about where you could put your savings, check out these articles and podcasts from PensionBee:
Episode 29 transcript 5 lessons my cashflow catastrophe taught me 5 ways to protect your pension income against inflation How to diversify your pension investments Pension pot or cash savings - which is best? Should I pay my bonus into my pension? What income would a £100,000 pension pot give you? Will taking my pension affect my benefits? Your guide to Lifetime ISAs (LISAs) and pensions Other useful resources: Emergency savings – how much is enough? (MoneyHelper) How does inflation affect pensions? (PensionBee) Should I have a savings account or pension? (MoneySuperMarket) What to do when interest rates rise (PensionBee) With cash earning 5%, why risk money on the stock market? (Schroders) Women’s lack of confidence widens gender investment gap (Financial Times)Catch up on the latest news, read our transcripts or watch on YouTube:
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Follow Boring Money (@boringmoney) on X, Instagram, TikTok, Facebook and LinkedIn.
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Listen to part four of our personal finance tips and hear from our expert guests as they discuss switching current accounts, sharing parental leave and why you should be talking about money with your loved ones.
Listen to parts one, two and three.
In this bonus episode, you’ll hear helpful tips from:
PensionBee's CMO; Jasper Martens; Founder of financial literacy platform, All Things Money; Ola Majekodunmi; Personal Finance Expert and Founder of Mrs MummyPenny; Lynn Beattie; Founder and CEO of Propelle; Ayesha Ofori; Independent Non-Executive Director for PensionBee; Lara Oyesanya FRSA; PensionBee’s CTO; Jonathan Lister Parsons; and Founder and CEO of Vestpod; Emilie Bellet.Episode Breakdown:
00:25 The benefits of switching current accounts
02:03 Saving vs. investing your money
04:24 Investment accounts and fees
05:58 Parental leave and pensions
07:31 Separating personal and business finances
09:14 Talking about money with loved ones.
Read the transcript.
Catch up on the latest news, read our transcripts or watch on YouTube:
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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].
For many young people, the only way to afford university or to get a foot on the property ladder is with financial support from family members. According to a report by The Institute for Fiscal Studies (IFS), almost a third of young people receive at least one transfer during their 20s and early 30s - most commonly from a parent.
This month on The Pension Confident Podcast we’re discussing the hot topic of ‘the Bank of Mum and Dad’. Join our host, Philippa Lamb, and our expert panel as they discuss how to talk about money with family, setting healthy boundaries, and strategies for safeguarding your financial future.
CEO of The Family Building Society; Mark Bogard; Personal Finance Expert and Founder of Mr MoneyJar; Timi Merriman-Johnson; and PensionBee’s Director (VP) Public Affairs; Becky O’Connor. Episode Breakdown:01:46 The Bank of Mum and Dad in practice.
05:10 Planning for predictable financial support.
08:13 Helping financially while your child’s studying.
10:43 Funding your child’s big adult milestones.
14:14 Implications of dipping into your savings.
17:31 Ongoing bankrolling and protecting your financial security.
20:35 Treating children equally or equitably?
22:55 Making sure you’re on the same page.
24:51 A living versus willed inheritance.
Further reading:To learn more about financial relationships with family, check out these articles and podcasts from PensionBee:
Episode 28 transcript 5 tips for parents paying for university 7 of the best ways of giving money to grandchildren E8: How to teach kids about money - with Laura Miller, Will Carmichael and Emma Maslin How the Bank of Mum and Dad can boost an adult child’s pension by over £300,000 How to teach kids about money Inheritance Tax guide Pension decumulation aka planning how to spend my pension savings Should I teach my children about money? Writing a will Your guide to Lifetime ISAs (LISAs) and pensions Other useful resources: Boomerang Children: Meaning, Impact, Around the World (Investopedia) How important is the Bank of Mum and Dad? (The Institute for Fiscal Studies) How Inheritance Tax works (Gov.uk) How to run the Bank of Mum and Dad…The Definitive Guide (Family Building Society) Joint Borrower Sole Proprietor mortgages (Family Building Society) More adults living with their parents (Office for National Statistics) Retirement Living Standards (Pensions and Lifetime Savings Association) The bank of Grandma and Grandad (SAGA) The Carer’s Pension Gap (PensionBee) Who gives wealth transfers to whom and when? Patterns in the giving and receiving of lifetime gifts and loans (The Institute for Fiscal Studies)Catch up on the latest news, read our transcripts or watch on YouTube:
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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].
It’s Mental Health Awareness Week so in this bonus episode of The Pension Confident Podcast, we’re revisiting a really important topic - how to manage your money and your mental health.
Tune in to hear the best bits from episode nine and hear from Philippa Lamb and our expert panel as they discuss how to talk about money, mental health and more. We hear from:
Chief Communications Officer at the Financial Services Compensation Scheme (FSCS); Lila Pleban, Founder and Managing Director of Psychreg; Dennis Relojo-Howell, and PensionBee’s COO and Mental Health First Aider; Tess Nicholson. Episode Breakdown:01:10 Personal experiences from the guests
04:12 Financial support from the FSCS
05:20 Early warnings signs of money and mental health struggles
06:45 How are money and mental health linked?
07:44 Money worries in retirement
09:26 How to manage money worries
10:25 Where to turn for financial support
11:39 Tips for keeping on top of your finances
12:32 Tips for managing your mental health
13:20 How to talk about money worries.
*If you’re struggling right now and need to talk to someone, call SAMARITANS on 116 123 - they are open 24 hours a day, 365 days a year. You can also text the word ‘SHOUT’ to 85258 and speak to a volunteer, anonymously.
If you’re concerned for the immediate safety of yourself or someone else, then always call 999. For non-emergencies, call 111, or speak to your GP who can refer you to your local NHS Mental Health Trust.
Further reading:To learn more about money and mental health, check out these articles and podcasts from PensionBee:
Six ways to manage your money and your mental health What is the impact of debt on mental health? Introducing our Mental Health First Aiders Recovering mental health and recovering finances Mental health in retirement E9: How to reduce the risk of money worries affecting your mental health (transcript) E9: How to reduce the risk of money worries affecting your mental health (episode) How PensionBee is supporting our vulnerable customers Other useful resources: The Money and Pensions Service (MAPS) Citizens Advice Service Money Saving Expert National Debtline Money and Mental Health Policy Institute Shelter Mind Turn2us Mental health articles (Royal College of Psychiatrists) Royal College of PsychiatristsCatch up on the latest news, read our transcripts or watch on YouTube:
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Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: [email protected].
We all know friendship is priceless, but navigating social circles where some people are a lot better off than others may be a minefield. According to Intuit, Gen Z would rather discuss sex, politics and infertility struggles than their salaries, debt, and bad investments.
So how can you maintain strong friendships while navigating different bank balances and spending habits? This month on The Pension Confident Podcast we’re looking at the costs associated with friendship. Join our host, Philippa Lamb, and our expert panel as they discuss how to talk about money with friends, overcoming envy and more. This month we hear from:
Psychologist and Associate Fellow of The British Psychological Society, Dr. Tara Quinn-Cirillo; Co-Founder of Millennial Money UK, Niaz Azad; and Head of Brand and Communications at PensionBee, Brooke Day. Episode Breakdown:01:29 How to discuss money fairly
06:10 Navigating a financial divide
11:20 How friendship expenses can snowball
16:28 Overcoming envy
18:58 As you and your friends get older
22:31 When life throws you curveballs
25:38 Lending money to friends
27:57 Knowing when to let go.
Further reading:To learn more about the cost of friendship, check out these articles from PensionBee:
Episode 27 transcript The cost of friendship Bonus episode: Relationships and money How to talk about money Six ways to manage your money and your mental health Six ways to start talking about money What is the impact of debt on mental health? Other useful resources: How to keep money from tearing your friendships apart (Vox) Is the wealth gap ruining friendships? (Guardian) The transfer of wealth from boomers to ‘zennials’ will reshape the global economy (Financial Times) A third of people are owed money by friends and family (Starling) Nearly 50% of millennials overspend to keep up with friends (Credit Karma) Why the “f*ck it” mentality is harming friendships (Refinery29) SplitwiseCatch up on the latest news, read our transcripts or watch on YouTube:
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Enjoying the podcast? Then don’t forget to rate and give us a review! As always we’d love to hear your suggestions and feedback.
Send us an email:
Part three of our personal finance tips is here! In this bonus episode,our expert guests discuss budgeting, what to know before you get started with investing, plus they share a property mistake you may have made too.
Get started on your financial spring cleaning and hear helpful tips from:
Personal Finance Expert and Founder of Mrs MummyPenny; Lynn Beattie; Financial Journalist and Senior Digital Editor at MoneyWeek; Kalpana Fitzpatrick; Founder and CEO of Propelle; Ayesha Ofori, Independent Non-Executive Director for PensionBee; Lara Oyesanya FRSA; CMO at PensionBee; Jasper Martens; and CMO at LifeSearch; Justin Harper.Episode Breakdown:
00:45 Monthly subscriptions
01:20 Saving little and often
02:13 Saving for your kids
02:49 Getting started with investing
03:50 Investing in property
04:56 The benefits of life insurance.
Read the transcript.
Catch up on the latest news, read our transcripts or watch on YouTube:
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Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: [email protected].
You might be surprised to learn that living to 100 years of age is no longer a rare feat. The Office for National Statistics (ONS) revealed that almost one-in-seven boys and one-in-five girls born today are expected to reach this milestone in the UK.
The trend is clear: with advancements in technology and healthcare, a centenarian life is becoming the norm. But what does this mean for our everyday lives, especially in terms of work, planning, and even our mindset?
This month on The Pension Confident Podcast we’re discussing the increasing likelihood of the 100-year life. Join our host, Philippa Lamb, and our expert panel as they discuss both the emotional and financial realities of longer living. This month we hear from:
Economist and best-selling Co-Author of ‘The 100-Year Life’, Andrew J. Scott; Editorial Director at Noon, Jennifer Howze; and Director (VP) Public Affairs at PensionBee, Becky O’Connor. Episode Breakdown:02:20 Rising life expectancy
04:31 Adapting to a multi-stage life
06:03 The emerging adulthood trend
07:59 Saving for retirement
10:01 Portfolio careers in midlife
13:46 Multi-generational households
15:03 How long will people be working for?
18:05 Budgeting your time and money
19:10 State Pension versus Retirement Living Standards
23:29 Investing in your human capital
Further reading:To learn more about the 100-year life, check out these articles from PensionBee:
Episode 26 transcript Are you ready for your 100-year life? Can you live off of the State Pension? How much money is enough to save in your pension for your future retirement? How you could build a million pound pension Is it too late to start a pension? 6 reasons why you should delay taking your pension Other useful resources: British workers increasingly likely to work into their 70s, research suggests (The Guardian) One in six over-55s have no pension savings yet (Unbiased) Queenagers: research portrait of midlife women (Noon) The 100-Year Life – Living and Working in an Age of LongevityCatch up on the latest news, read our transcripts or watch on YouTube:
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Updated December 2024: PensionBee no longer offers the Impact Plan. To find out about our sustainable pension plans such as our Climate Plan and Shariah Plan, visit pensionbee.com/uk/plans.
Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: [email protected].
In this bonus episode of The Pension Confident Podcast, we dive into the world of Socially Responsible Investing (SRI). We explore how your retirement savings can be a powerful tool for good. Plus, we’ll tackle the big question: can you make money and make a difference to people and the planet?
From impact investing to ESG ratings, find out how socially responsible investments are defined and how you can get involved. In this episode, we hear from:
Chief Engagement Officer at PensionBee, Clare Reilly; Co-Founder of Islamic Finance Guru, Ibrahim Khan; VP Product at PensionBee, Martin Parzonka; and Campaign Director for Make My Money Matter, David Hayman.Episode Breakdown:
01:36 ESG ratings
03:02 Impact investing
04:18 Shariah-compliant investing
06:26 Profits and principles
08:50 Where’s your pension invested?
12:11 How to invest for change.
Read the episode transcript.
Catch up on the latest news, read our transcripts or watch on YouTube:
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