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PODCAST

Many Happy Returns

Investing is the best way to build wealth, but comes with risk and uncertainty. Want to grow a portfolio of stocks, bonds, ETFs and more? This is the show to boost your knowledge and build your confidence. Join us on the journey through bull markets, bubbles and crashes. Bring snacks and a steady hand; we"re in it for the long haul... Hosted by Ramin Nakisa (YouTube @PensionCraft) and Michael Pugh. Contact us: mhr@pensioncraft.com

business investing

All Episodes

52:01

FIRE Drill: Is Financial Independence Still Possible?

Many Happy Returns ·

2025/11/12

You've done the maths. You've cut the lattes. You've maxed the ISA. And you're still decades away from financial freedom. So how are some people retiring in their 30s and 40s while the rest of us are stuck on the hamster wheel? And in today’s Dumb Question of the Week: How much will I spend in retirement? --- Today’s podcast is sponsored by Freetrade, the commission-free investing platform.New Freetrade offers:2% cashback when you transfer £10,000+ in pensions (ends 31 Dec 2025) 1% cashback for new

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45:12

So You’ve Decided to Time the Market…

Many Happy Returns ·

2025/11/05

You already know you’re not supposed to time the market… and yet here you are, hovering over the “sell” button because everyone’s yelling about a bubble. So where’s the line between reckless market timing and sensible risk management? We discuss the least destructive ways to panic. And in today’s Dumb Question of the Week: What’s the difference between a crash, a correction, and a bear market? --- Today’s podcast is sponsored by Freetrade, the commission-free investing platform.New Freetrade

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40:00

Beyond the Gloom: The UK's Hidden Stock Winners, with...

Many Happy Returns ·

2025/10/29

The UK stock market has traded at a discount for years. But amid the negative sentiment, some sectors have quietly defied the gloom. We’re joined by Ed Croft (founder of Stockopedia) to dig into what’s working in the UK market, what’s broken, and where the best opportunities might be. And in today’s Dumb Question of the Week: What is a value trap, and how do you avoid falling into one? --- Thank you to Trading 212 for sponsoring this episode.Claim free fractional shares worth up to ‎£⁠100. Just

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39:12

The Debasement Trade: Faith, Fear, and the Fall of Fiat?

Many Happy Returns ·

2025/10/22

Gold has surged 50% this year, silver even more, while the dollar has slumped 9%. Behind the rally lies a powerful narrative: that mounting government debt is eroding faith in traditional currencies, driving investors toward scarce assets like precious metals and crypto. But is the so-called “debasement trade” a genuine secular shift—or just another momentum-fueled mania waiting to unwind? And in today’s Dumb Question of the Week: What’s the difference between stimulating the economy and debasing

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45:22

Closed-Circuit Capitalism: Inside AI’s...

Many Happy Returns ·

2025/10/15

The AI boom is feeding on itself. Chipmakers, cloud giants, and model makers are increasingly tangled in a web of investments — each funding the other’s growth. Isn’t this what happened in the dot-com bubble? We ask what happens when suppliers start financing their own customers — lending them money to buy their products. And in today’s Dumb Question of the Week: Are bubbles always bad? --- Thank you to Trading 212 for sponsoring this episode.Claim free fractional shares worth up to ‎£⁠100. Just

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46:31

The Unbalanced Sheet: What Is Your Net Worth, Really?

Many Happy Returns ·

2025/10/08

On paper, your net worth is simple: assets minus liabilities. But what counts as an asset? How do you value things you can’t easily sell? And is the final number even a useful measure of your financial health? And in today’s Dumb Question of the Week: How much do I need to be rich? --- Thank you to Trading 212 for sponsoring this episode.Claim free fractional shares worth up to ‎£⁠100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo

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43:50

What I’ve Learned: Keeping Your Portfolio (and...

Many Happy Returns ·

2025/10/01

I’ve helped thousands of people to review their investment portfolios and check whether it’s truly aligned with their goals. Over and over, I see the same concerns, misunderstandings, and blind spots. And in today’s Dumb Question of the Week: How can you keep yourself accountable? --- Thank you to Trading 212 for sponsoring this episode.Claim free fractional shares worth up to ‎£⁠100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo

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36:45

Cash on the Sidelines: Are Brits Scared to Invest?

Many Happy Returns ·

2025/09/25

Brits poured more than £100 billion into ISAs last year — yet two-thirds is just sitting in cash. Are we simply risk-averse or are there structural problems discouraging us from investing? And in today’s Dumb Question of the Week: Does cash have zero volatility? --- Thank you to Lightyear for sponsoring this episode.Sign up for a new account on Lightyear and get up to $115 worth of a US fractional share of your choice! Claim your reward when you use this link:lightyear.com/pensioncraftor enter the

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40:58

Gold is a Terrible Investment (And Why You Should Own...

Many Happy Returns ·

2025/09/17

Gold is a terrible investment. No earnings, no dividends, and long stretches where you trail stocks and bonds. So why do serious investors still own it? We dig into the myths, the maths, and how an asset with no cash flows can earn its keep in your portfolio. And in today’s Dumb Question of the Week: If I own a gold fund, can I actually get my hands on the bullion? --- Thank you to Lightyear for sponsoring this episode.Sign up for a new account on Lightyear and get up to $115 worth of a US

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42:09

Stick or Twist: Should You Second Guess the Autumn...

Many Happy Returns ·

2025/09/10

Speculation is swirling about what tax changes the chancellor might unveil in the Autumn Budget. But with the announcement still more than two months away, is it worth paying attention to the rumours? We dig into the policy measures making headlines, and ask: what—if anything—should you be doing now? --- Thank you to Lightyear for sponsoring this episode.Sign up for a new account on Lightyear and get up to $115 worth of a US fractional share of your choice! Claim your reward when you use this

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39:14

Stocks vs. Bonds: Who Wins the Next Decade?

Many Happy Returns ·

2025/09/03

Stocks are expensive, bonds are finally interesting, and suddenly the boring part of your portfolio doesn’t look so boring. With serious forecasters whispering that bonds could beat equities over the next decade, is it time to rethink your portfolio? And in today’s Dumb Question of the Week: Will zero interest rates ever return? --- Thank you to Lightyear for sponsoring this episode.Sign up for a new account on Lightyear and get up to $115 worth of a US fractional share of your choice! Claim your

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43:45

The Visible Hand: Is America Abandoning Free-Market...

Many Happy Returns ·

2025/08/27

Washington seems to have moved from referee to player—picking winners, slapping tariffs on strategic exports, and even taking golden shares in critical industries. What are the implications for investors when the world’s biggest economy is shaped by backroom deals? And in the Dumb Question of the Week: Did the US government profit from the 2008 bailout? --- Thank you to Trading 212 for sponsoring this episode.Claim free fractional shares worth up to ‎£⁠100. Just create and verify a Trading 212

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42:19

FCA Lifts the Ban: UK Investors Can Buy Crypto...

Many Happy Returns ·

2025/08/20

The ban is over! From 8 October 2025, UK retail investors can buy exchange traded crypto products — potentially in an ISA or SIPP. So why has the FCA made a U-turn? And in the Dumb Question of the Week: Does scarcity make something valuable? --- Thank you to Trading 212 for sponsoring this episode.Claim free fractional shares worth up to ‎£⁠100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing

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42:50

Has Trump Won the Trade War?

Many Happy Returns ·

2025/08/13

Four months after Trump shocked markets with sweeping tariffs, the results are in: new trade deals tilted toward American interests, a resilient economy, and Wall Street's return to record highs. We ask whether Trump has won the trade war. Or if it’s too soon to tell. And in today’s Dumb Question of the Week: Are trade deals about more than tariffs? --- Thank you to Trading 212 for sponsoring this episode.Claim free fractional shares worth up to ‎£⁠100. Just create and verify a Trading 212 Invest or

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40:44

Can We Still Trust the Economic Data?

Many Happy Returns ·

2025/08/06

Investors and policymakers count on official statistics to stay grounded. But recent blunders in the UK and growing politicisation in the US have shaken trust in the numbers. And in today’s Dumb Question of the Week: What is GDP-B? --- Thank you to Trading 212 for sponsoring this episode.Claim free fractional shares worth up to ‎£⁠100. Just create and verify a Trading 212 Invest or Stocks ISA account, make a minimum deposit of £1, and use the promo code "RAMIN" within 10 days of signing up, or use

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39:36

The Everything Bubble: What Could Possibly Go Wrong?

Many Happy Returns ·

2025/07/30

The S&P 500 is pushing dot-com era valuations. Bitcoin’s smashing records. Meme stocks have risen from the dead. And AI start-ups are landing billion-dollar buy-outs. What do you do when a bubble is staring you right in the face? And in today’s Dumb Question of the Week: What is a gamma squeeze? --- Thanks to Raisin UK for supporting this episode.Raisin UK is a free, easy-to-use platform where you can access savings accounts from over 40 FSCS-protected banks and building societies — all in one

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47:53

The Unicorn Farm: Betting on AI Startups

Many Happy Returns ·

2025/07/23

Global venture capital firms poured $126 billion into early-stage startups in the first quarter — and almost 60% went into AI companies. We look at where the so-called smart money is placing their bets. And in today’s Dumb Question of the Week: What is a unicorn? --- Thanks to Raisin UK for supporting this episode.Raisin UK is a free, easy-to-use platform where you can access savings accounts from over 40 FSCS-protected banks and building societies — all in one place.What's more, for a limited time

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43:14

Why Can't I Retire Early?!

Many Happy Returns ·

2025/07/16

The dream of an early retirement is a powerful motivator for many investors. But often it remains just that: a dream. So what’s holding people back? Is it simply a matter of money? Or are there deeper, psychological reasons why people decide to keep working? And in today’s Dumb Question of the Week: Is the state pension like a bond? --- Thanks to Raisin UK for supporting this episode.Raisin UK is a free, easy-to-use platform where you can access savings accounts from over 40 FSCS-protected banks and

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40:57

Is the UK Stock Market Dying?

Many Happy Returns ·

2025/07/09

The UK stock market is shrinking. Since 2007, the number of listed companies has fallen by 45%, and those that remain trade at stubbornly low valuations compared to global peers. What’s driving the decline? And can it be stopped? And in today’s Dumb Question of the Week: What is the new PISCES private stock market? --- Thanks to Raisin UK for supporting this episode.Raisin UK is a free, easy-to-use platform where you can access savings accounts from over 40 FSCS-protected banks and building

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57:29

Neural Net Worth: What If AI Isn’t a Bubble?

Many Happy Returns ·

2025/07/02

AI stocks are soaring. Valuations are stretched and capital spending is off the charts. To many, it smells like a bubble. But what if it’s not? What happens to markets if AI actually lives up to the hype? How could it reshape business models, transform economic growth, and change the way we invest? And in today’s Dumb Question of the Week: Will index funds still work if the most successful companies stay private? --- Thanks to Raisin UK for supporting this episode.Raisin UK is a free, easy-to-use

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87 results

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