In this week's podcast Damien provides a complete buy-to-let guide, including the latest tax rules and recent legislative changes. Next, Andy reveals some of the little-known state benefits you might be entitled to. Finally, Damien answers some of the most popular questions you've been asking DaMoney, the new AI guidance tool from Money to the Masses.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
(00:00) - Money to the Masses Podcast Episode 514
(03:11) - Complete Buy-to-Let Guide
(08:30) - How to Manage a Buy-to-Let
(10:58) - Buy-to-Let Mortgage Rates
(11:46) - Average UK Buy-to-Let Rental Yields
(13:33) - How does Tax on Buy-To-Let work?
(15:33) - Buy-to-Let Rules and Regulations
(19:02) - Little-known benefits you may qualify for
(25:52) - Most popular 'DaMoney' questions
(27:12) - How to check if you are on the right tax code?
(28:20) - What are the latest ISA transfer offers at the moment?
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Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's episode, Damien discusses the sustainability of the UK state pension, explaining why younger generations are likely to experience significant increases in state pension age.
Damien and Andy then discuss the likely 30% increase in water bills over the next five years due to necessary infrastructure upgrades and what you can do to combat the rise.
Finally, having answered over 3,000 questions in its first week, Damien reveals the most popular topics being answered by DaMoney, our purpose-built AI guidance engine.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
(00:00) - Money to the Masses Podcast Episode 513
(02:58) - Overview of the UK state pension system, eligibility, sustainability concerns, the triple lock, and future projections
(10:54) - Planning for retirement, checking your state pension age, and filling National Insurance gaps
(12:38) - Retirement planning tips
(15:51) - Water Bills: Why Are They Rising and What Can You Do?
(19:38) - Reducing water usage, seeking support if struggling to pay
(24:01) - DaMoney (our AI guidance tool) Overview of the most popular topics and questions asked by users
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's episode Damien unveils his purpose-built AI guidance engine "DaMoney". Powered by 15 years of Money to the Masses guidance, DaMoney uses the vast library of unbiased knowledge built by Money to the Masses since 2010 including thousands of fact checked articles and hundreds of podcast and YouTube videos.
The tool is the first of its kind in the UK and is designed to provide immediate, easy-to-understand answers to your money questions, whenever you need them and without the confusing jargon. It combines AI technology with ongoing reviews of answers by financial experts at Money to the Masses to ensure DaMoney’s answers stay accurate, up-to-date, and genuinely helpful as markets and situations change.
You can visit Damoney.ai now to try it out for yourself. You will also find it powering the newly launched AI chat on the Money to the Masses homepage and articles.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
(00:00) - Introduction to the 'Damoney' a new AI Guidance Engine from Money to the Masses
(01:51) - How DaMoney Works and Its Unique Features
(04:21) - Expert Review and Quality Assurance
(05:07) - User Interaction and Real-World Applications
(05:07) - Addressing Common Financial Questions
(09:20) - Example Question 1- Understanding the Marriage Tax Allowance
(11:05) - Example Question 2 - Navigating Child Benefit and High Income Charges
(12:09) - Example Question 3 - Life Insurance with Pre-existing Conditions
(14:08) - Example Question 4 - Planning for Retirement at Age 60
(15:03) - Example Question 5 - Exploring Property Ownership in London
(17:09) - Example Question 6 - The Best Stocks & Shares ISAs in 2025
(18:21) - Example Question 7 - The Best Pet Insurance for an older cat
(20:18) - Example Question 8 - Can using Buy Now Pay Later (BNPL) impact a mortgage decision
(22:17) - Example Question 9 - Maximising Savings with Easy Access Accounts
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's podcast, Damien reveals whether Renting or Buying a property is best using his own purpose-built calculator. Next, he discusses two ways you can make money from your credit card. Finally, Andy reveals the details of a widespread holiday scam, explaining how to avoid becoming a victim.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
(00:00) - Money to the Masses Podcast Episode 511
(02:58) - Renting vs Buying - Which is best?
(04:34) - Analysing Real-World Scenarios with our own purpose-built calculator
(09:09) - Market Dynamics: The Impact of Timing on Buying
(13:47) - The Financial Landscape of Home Buying
(17:22) - Understanding Leverage in Property Investment
(20:35) - The Wealthy Investor's Dilemma - Should you buy or rent?
(23:12) - The Future of Property Investment
(24:38) - Making Money with Credit Cards
(27:15) - Exploring 0% Purchase Credit Cards and Stoozing
(31:35) - Latest Holiday fraud warning
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
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Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
This week Damien explains why saving your first £100,000 is the crucial milestone if you want to be wealthy. He then looks at Premium Bonds, revealing the possible returns you can expect if you have the maximum £50,000 holding. He also explains how to improve your chances of winning a £1 million prize. Finally, Andy discusses the proposed changes to how council tax payments are collected.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
(00:00) - Money to the Masses Podcast Episode 510
(02:42) - How to Build Wealth: The Power of Compound Interest and the £100,000 Savings Milestone
(15:42) - Premium Bonds Explained: Returns, Odds, and Are They Worth It in 2025?
(27:04) - Council Tax Payment Changes in England: What Homeowners Need to Know
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's show Damien explores the proposed changes to Inheritance Tax (IHT) on defined contribution pensions, set to begin in April 2027. He also discusses strategies that could be used to mitigate the potential impact. Next, he takes a look at how much money you'll need in retirement in order to achieve a minimum, moderate and comfortable lifestyle. Finally, Andy explains how you can use a 'Notice of Correction' to improve your chances of securing credit if you have any negative marks on your credit report.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
(00:00) - Money to the Masses Podcast Episode 509
(05:50) - Proposed Changes to IHT and the Implications
(07:42) - Strategies for Mitigating Inheritance Tax
(09:16) - Gifting and Charitable Contributions
(11:32) - Gifting from Income Exemption
(13:49) - Life Insurance and Other Mitigation Tools
(15:03) - Conclusion and Future Considerations
(16:12) - How much do you need to retire? Minimum, Moderate and Comfortable pension lifestyles revealed
(21:18) - Navigating Retirement Planning
(22:40) - Credit File Management and Notices of Correction
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's podcast, Damien examines the latest wealth data, which reveals the average wealth of UK households by age and region, looking at everything from property and pensions to savings and investments. Damien also covers the significant update to the Winter Fuel Payment for the upcoming winter, explaining the new rules, who will be eligible, and how a new income threshold will affect higher-earning pensioners.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
(00:00) - Money to the Masses Episode 508
(05:44) - Understanding Wealth in the UK
(06:41) - Household Wealth by Age
(08:55) - The Importance of Median Wealth
(12:10) - Wealth Distribution in the UK
(18:06) - Geographical Variations in Wealth
(18:55) - Savings Trends and Rates
(22:43) - Changes to Winter Fuel Payments
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's podcast, Damien provides a comprehensive update on the UK property and mortgage market. He reveals the latest Bank of England interest rate predictions, provides a snapshot of the best mortgage deals currently available and how you can lock in a mortgage rate in advance of your existing one ending.
He also discusses the re-emergence of 100% (zero-deposit) mortgages, detailing the newly launched products and eligibility requirements. Next, he provides an update on changes to affordability, with lenders offering higher income multiples and relaxing stress-testing rules.
Finally, Damien takes a look at what is happening with house prices using the latest data from the UK's main house price indices.
This episode is sponsored by Coinbase - Visit Coinbase* to learn more. Crypto comes with unique risks, take 2 minutes to learn more
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
(00:00) - Money to the Masses Podcast Episode 507
(04:47) - Understanding Interest Rates and Their Impact
(08:26) - Current Mortgage Rates and Best Deals
(15:49) - Options if yiy are Struggling to Get on the Property Ladder
(18:16) - Zero Deposit or '100%' Mortgages and Their Implications
(20:36) - Navigating Income Multiples and Affordability Changes
(20:40) - The Impact of Stress Testing on Borrowing Capacity
(24:21) - Analysing UK House Prices and Market Trends
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's episode, Damien takes a look at ethical and sustainable investing, explaining the FCA's new fund labelling rules (SDR) and shares some of the best free tools that can help you find investments that match your values.
Next, Andy explains how some energy customers who had prepayment meters wrongly installed could receive up to £1,000 compensation. Then, with the energy price cap due to fall, Damien looks at the latest fixed-price energy deals and how much you can save.
Finally, Damien reveals a simple 'hack' that allows you to switch your Cash ISA between providers via the click of a button, ensuring you can secure a competitive interest rate.
This episode is sponsored by Coinbase - Visit Coinbase* to learn more. Crypto comes with unique risks, take 2 minutes to learn more
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
(00:00) - Money to the Masses Podcast Episode 506
(08:11) - Understanding Sustainable Investing
(15:03) - Navigating Ethical Investment Tools and Resources
(18:48) - Evaluating Ethical Investment Performance
(20:24) - Investigation into Prepayment Meters and Compensation Agreement
(24:20) - Energy Price Cap Update
(26:37) - Cash ISA Hack
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's episode, Damien takes an in-depth look at pension transfers. He provides a list of pros and cons, shares the latest research on how long pension transfers take with different providers and finishes up with a guide on how the pension transfer process works.
Next, he debunks 10 common credit myths, addressing misconceptions about credit scores, debt management and the impact of making various financial decision.
Finally, Andy highlights the alarming rise of SIM swap fraud, explaining how it works, the risks of compromised two-factor authentication and the essential steps you can take to avoid becoming a victim.
This episode is sponsored by Coinbase - Visit Coinbase* to learn more. Crypto comes with unique risks, take 2 minutes to learn more
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
(00:00) - Episode 505 of The Money to the Masses podcast(04:45) - Pension Transfers(13:26) - 10 popular credit myths(21:12) - Sim Swap fraud
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
On this week's show, Andy highlights seven of the most prevalent holiday scams to watch out for as summer approaches. Next, Damien takes a look at UK tax codes, explaining how they work, what the letters and numbers mean (eg. 1257L), why they can often be incorrect and the steps you can take if you think your code is wrong. Finally, Damien shares a critical warning for those who diligently pay off their credit card in full each month after he discovered a little-known issue that could inadvertently harm your credit score.
This episode is sponsored by Coinbase - Visit Coinbase* to learn more. Crypto comes with unique risks, take 2 minutes to learn more
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
(00:00) - Episode 504 of The Money to the Masses podcast(04:45) - Holiday Scams: Seven Ways Fraudsters Target Your Getaway(13:26) - Decoding Your Tax Code: Are You Paying the Right Amount?(21:12) - A Word of Warning for Those Who Clear Their Credit Card in Full
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
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Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
On this week's show Damien explains how to cut the cost of prescriptions, particularly for those requiring multiple items or those receiving HRT. Damien then shares some key lessons from successfully managing his £50k investment portfolio over the last 10 years. Finally, Andy explains how the energy payment cycle works and why late spring/early summer is an opportune time to check your energy account for potential credit and request a refund from your supplier
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show
(00:00) - Episode 503 of The Money to the Masses podcast
(05:18) - Prescription Charges and HRT Savings
(08:57) - Investment Insights from 10 Years of 80-20 Investor
(24:56) - The Energy Cycle and Managing Energy Accounts
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
On this week's show Andy explains how the Help to Save scheme works including how you can get a free £1,200 Government bonus. He also discusses the recent changes to eligibility rules that have resulted in over half a million more people now being able to benefit from the scheme. Damien then takes a look at the soaring price of gold, discussing the reasons behind its recent rally to all-time highs and the potential outlook. Even if you're not an investor, listen closely as it can have important implications for your home insurance. Finally, Damien takes a look at the investment strategy of Warren Buffett, exploring how he managed to make money while other billionaires lost out during recent market turbulence and what lessons ordinary investors can learn from his approach.Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show - https://moneytothemasses.com/news/podcast/mttm-podcast-episode-50200:00 - Money to the Masses Podcast Episode 502
02:14 - Understanding the Help to Save Scheme
06:58 - Eligibility Changes and Benefits of the Help to Save Scheme
09:43 - Lock-In Feature of the Help to Save Scheme
11:35 - The price of Gold: Analyzing Trends
19:50 - Why the gold price could impact your insurance
23:00 - Warren Buffett's Investment Strategies
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this week's podcast, Damien breaks it all down. We explain recent developments (which are changing by the hour), discuss the immediate impact on investments, look at what could unfold in the coming weeks and explain how this might impact your finances.
Watch the whole show on YouTube here:
Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.
00:00 - Trade War special03:20 - Understanding Trade Tariffs and Their Implications07:59 - The Economic Impact of Tariffs on Consumers and Businesses14:38 - Market Reactions and Historical Context of Tariffs17:43 - The Impact of Tariffs on Global Markets24:14 - UK Investor Sentiment and Economic Outlook31:38 - Haven Assets in Times of Market Turmoil
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
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This week, Damien and Andy recorded their 500th podcast in Spiritland studios in Kings Cross. In this celebration episode they take a look back at the history of the Money to the Masses podcast and how it has evolved from those early days of recording at Andy's house, late at night trying not to wake his children. They share some happy memories and funny stories before moving onto how they see the podcast evolving in the coming years. *Message from Damien:*We hope you enjoy this slightly different episode and I want to say a huge thank you for your support and feedback over the last 11 years. Here's to the next 500!
Watch the whole show on YouTube here:
Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.
00:00 - Introduction
00:15 - Celebrating our 500th podcast episode
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You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
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On this week's show I reveal the best stocks & shares ISAs in 2025, providing a comprehensive review of the leading investment platforms and trading apps in the UK. I analyse the cheapest managed and self-invested ISAs and provide details on how to get the best cashback and fee-free deals when signing up. I also look at recent performance and how the various platforms compare before revealing which platforms pay the most interest on uninvested cash. Next, I provide a quick tip for electric vehicle owners on how to save up to £195 in car tax. Finally, I explain how you could end up paying more for your insurance, even if you choose to pay annually, if you click the wrong button when applying online.
Leave us a voice note via Whatsapp for our 500th show - 0208 163 3629
This show is sponsored by PensionBee the UK's leading online pension provider. It can help you transfer most old pensions together into one new online plan, so you'll know exactly how much you've saved and where to find it. If you are looking for a low-cost, hassle-free way to consolidate your pension pot (excluding final salary pensions), then PensionBee is worth considering. When you transfer your pensions, you can pick from a range of purpose-built pension plans, and if you want to contribute more to your pension, you can do that too. You can sign up to PensionBee in minutes using just the names of old employers or pension providers. Capital at risk.
Watch the whole show on YouTube here:
Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.
00:00 - Introduction02:55 - Best Stocks and Shares ISA offers for 202504:20 - Stocks and Shares ISAs fees explained05:20 - Best managed Stocks and Shares ISAs in 202507:07 - Stocks and Shares ISA performance 2020 to 202409:00 - Best self-managed (self-invested) Stocks and Shares ISAs in 202512:12 - Best Stocks and Shares ISAs for Trading in 202513:50 - Best Stocks and Shares ISAs for paying interest on uninvested cash in 202514:57 - Summary - Which is the Best Stocks and Shares ISA in 2025?16:29 - Be careful of 'double-dipping' when buying car insurance online18:20 - Renew your EV car tax before 1st April 2025 and you could save up to £195!
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Tik Tok - https://www.tiktok.com/@moneytothemasses
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.
In this bonus episode of the Money to the Masses podcast, Damien is joined by Kyle Caldwell, Funds & Investment Education editor at Interactive Investor. During their chat, they discussed the intricacies of building investment portfolios, focusing on key aspects such as diversification, asset allocation and the importance of understanding fund performance. This should not be considered financial advice or a personal recommendationKey insights from the episode include:🧩 Why getting your asset mix right is crucial – it could be the biggest driver of your portfolio's performance.💪 The power of diversification, spreading your money across different types of assets like shares, bonds, property, and even gold, to potentially weather different market conditions and how it's easy to overlook emerging markets.📊 Understanding how different investments correlate – which assets can be good at offering a different performance pattern to equities. 💯 They explored some well-known "perfect portfolios", how they’ve performed and how they might work for UK investors.⚖️ The concept of having a core set of reliable investments alongside some smaller, potentially higher-growth "satellite" holdings.🎯 Damien's own research into how many funds might be optimal in a sector.🔍 How often you should really be checking up on your investments and what to focus on when you do.💸 For those looking to generate income, we talked about building income portfolios and the potential benefits of investment trusts.📉 Damien and Kyle also touched on lower-risk options like money market funds, which have become more attractive recently.🇬🇧 And the renewed interest in UK government bonds (gilts) as a potential portfolio stabiliserCheck out Interactive Investor's Managed ISAThis discussion is provided for educational and informational purposes only and should not be considered a personal recommendation. You should not rely on this information to make (or refrain from making) any investment decision, if you are unsure about investing, please speak to an authorised financial advisor for your own particular circumstances. The tax treatment depends on your individual circumstances and may be subject to change in the future. Funds invest in shares, bonds, and other financial instruments and are by their nature speculative and can be volatile. You should never invest more than you can safely afford to lose. The value of your investment can go down as well as up so you may get back less than you originally invested. Please note past performance is no guarantee of future results.---------------------------------------------------------------------------Since 2010 Money to the Masses has been helping people with their personal finances for FREE. Money to the Masses is one of the UK’s leading independent personal finance websites specialising in all aspects of financial planning including investments, pensions, property, insurance, mortgages, budgeting and saving. We bring together expertly written content, interactive tools and technology to help over 4 million people a year across our platform.If you are looking to get your finances in shape then check out Damien's FREE Money MOT at https://mot.moneytothemasses.com/---------------------------------------------------------------------------Follow Money to the Masses on social media:Website - https://moneytothemasses.com/Facebook - https://www.facebook.com/moneytothemassesInstagram - https://www.instagram.com/moneytothemassesTwitter - https://twitter.com/money2themasses#personalfinance #moneytips #interactiveinvestor
On this week's show Damien runs through some of the financial planning considerations ahead of the tax year end. He then gives an important update on the car finance mis-selling scandal, including some important dates for your diary. Damien also explains why you might receive a payout without having to do anything. Finally, Andy explains the changes Chase Bank has made to its current account cashback offering and the alternatives you might now want to consider.
Leave us a voice note via Whatsapp for our 500th show - 0208 163 3629
This show is sponsored by PensionBee the UK's leading online pension provider. It can help you transfer most old pensions together into one new online plan, so you'll know exactly how much you've saved and where to find it. If you are looking for a low-cost, hassle-free way to consolidate your pension pot (excluding final salary pensions), then PensionBee is worth considering. When you transfer your pensions, you can pick from a range of purpose-built pension plans, and if you want to contribute more to your pension, you can do that too. You can sign up to PensionBee in minutes using just the names of old employers or pension providers. Capital at risk.
Watch the whole show on YouTube here:
Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.
00:00 - MTTM Podcast Episode 498
00:59 - Plans for the 500th show
04:30 - End of Tax Year Checklist
14:55 - Latest on the car finance mis-selling scandal
19:04 - Chase Bank cuts its cashback offering
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
On this week's show Damien explains more than 20 ways to boost your pension pot. Damien also discusses why time is running out for some people aged between 40 and 73 who could boost their state pension by paying voluntary National Insurance contributions. Finally, Andy reveals a little-known tip when checking your eligibility for a credit card offer.
This show is sponsored by PensionBee the UK's leading online pension provider. It can help you transfer most old pensions together into one new online plan, so you'll know exactly how much you've saved and where to find it. If you are looking for a low-cost, hassle-free way to consolidate your pension pot (excluding final salary pensions), then PensionBee is worth considering. When you transfer your pensions, you can pick from a range of purpose-built pension plans, and if you want to contribute more to your pension, you can do that too. You can sign up to PensionBee in minutes using just the names of old employers or pension providers. Capital at risk.
Watch the whole show on YouTube here:
Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.
00:00 - MTTM Podcast Episode 49704:01 - Deadline for National Insurance Contributions07:53 - Ways to Boost your Pension 28:09 - Credit Card Eligibility Tip
Follow Money to the Masses on social media:
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Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
On this week's episode Damien discusses the importance of understanding the correlation between different asset classes when building a diversified investment or pension portfolio. He then reveals which assets have been the best portfolio diversifiers and performers over the last 5 years. Damien then takes a look at the best Moneyhub alternatives following the news that the budgeting app is set to close. Finally, Damien and Andy discuss the rumours that the UK government is about to slash the cash ISA allowance.
Thank you to our sponsor LightyearThis show is sponsored by PensionBee the UK's leading online pension provider. It can help you transfer most old pensions together into one new online plan, so you'll know exactly how much you've saved and where to find it. If you are looking for a low-cost, hassle-free way to consolidate your pension pot (excluding final salary pensions), then PensionBee is worth considering. When you transfer your pensions, you can pick from a range of purpose-built pension plans, and if you want to contribute more to your pension, you can do that too. You can sign up to PensionBee in minutes using just the names of old employers or pension providers. Capital at risk.
Watch the whole show on YouTube here:
Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.
00:00 - MTTM Podcast episode 49604:37 - Importance of understanding the correlation between different asset classes13:26 - Alternatives to Moneyhub budgeting app14:45 - The Closure of Money Hub15:13 - Final Budgeting App Recommendations and User Insights23:51 - Speculation on Reduction of the Cash ISA allowance27:25 - The Future of Cash ISAs 28:42 - End of episode
Follow Money to the Masses on social media:
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Facebook - https://www.facebook.com/moneytothemasses
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Tik Tok - https://www.tiktok.com/@moneytothemasses
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
