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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

42:32

Investing vs. Gambling: How to Tell the Difference

Many Happy Returns ·

2026/01/07

Where does investing end and gambling begin? From Premium Bonds to meme stocks to deep-out-of-the-money options, today’s markets are full of bets that look a lot like lottery tickets. The line between rational risk-taking and pure chance has never been blurrier. So what really separates a calculated investment from a coin flip? And in today’s Dumb Question of the Week: Are boring stocks better? ---Get in touch 📧 mhr@pensioncraft.com 🎧 many-happy-returns.captivate.fm --- Join PensionCraft 🌐 Become

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46:30

2026 Watchlist: Trends That Could Shape the Year Ahead

Many Happy Returns ·

2025/12/31

2026 is here, and markets are shifting in surprising ways. From jobless growth to energy gluts, we look at the trends that could shape the global economy over the coming year. And in today’s Dumb Question of the Week: Are we still on track for the Roaring 20s? --- 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

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32:41

10 Investing Facts That Can't be True (But Are)

Many Happy Returns ·

2025/12/24

We challenge your assumptions about stocks, property, economic growth and more, with ten facts that seem impossible—but aren't. Stocks beat cash, right? GDP growth helps returns, doesn't it? And war tanks the stock market... right? And in today’s Dumb Question of the Week: What can Christmas Trees teach us about the futures market? --- 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

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48:32

The Naughty List: Assets That Misbehaved in 2025

Many Happy Returns ·

2025/12/17

Which assets made The Naughty List this year? Some of 2025's most confident calls turned into cautionary tales—from momentum trades that stalled to consensus positions that backfired. And in today’s Dumb Question of the Week: Is any asset immune to interest rates? --- 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"

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37:15

The 2025 Stress Test: The Banks Are Safe... Are You?

Many Happy Returns ·

2025/12/10

The Bank of England has just released the results of its 2025 stress test. In their nightmare scenario, inflation surges, house prices tumble, markets tank… and all seven major UK banks still pass. So the financial system might survive a crash. But would you? And in today’s Dumb Question of the Week: Are British banks too big? --- 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,

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39:31

Devil in the Details: Is the Budget Worse Than...

Many Happy Returns ·

2025/12/03

Buried in the Budget’s “boring” fine print is a sweeping overhaul of ISAs, new stealth taxes, and rule changes designed to squeeze anyone living off their assets. So, what’s really changing and what can you do to protect your money? And in today’s Dumb Question of the Week: Is now the time to emigrate? --- 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

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39:39

The Physics of Financial Markets

Many Happy Returns ·

2025/11/26

Do the hard laws of thermodynamics apply to your money? What can avalanches, boiling water, and quantum mechanics teach us about markets? We explore where physics meets finance—and what it reveals about volatility, crashes and portfolio decay. And in today’s Dumb Question of the Week: What should you study if you want to work in finance? --- 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

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54:06

How to Pick Your Perfect Portfolio, with Tyler from...

Many Happy Returns ·

2025/11/19

Designing an investment portfolio that matches your goals is hard. Sticking with it through thick and thin is even harder. Today, we’re delighted to be joined by the creator of Portfolio Charts to consider risk, return, drawdowns and—crucially—your own behaviour, so you can find something that truly fits you. And in today’s Dumb Question of the Week: Does rebalancing improve returns? --- Today’s podcast is sponsored by Freetrade, the commission-free investing platform.New Freetrade offers:2%

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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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95 results

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