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EP. 155 - Expert Investor: ‘I Wish I Did This Sooner’—The Only 2 Investments You Need to Build Wealth & Get Rich! ft. Ramin Nakisa (Pensioncraft)
In this week's episode we have the founder of PensionCraft, Ramin Nakisa, who also was a strategist for 12 years at a Swiss investment bank.
In this episode we discuss:
- 2 Investments To Build and Grow Your Wealth In 2025
- Lessons from 15 Years in Investment Banking
- How Investment Banks Make Money
- The Psychology of Investing
- Steps to make your first investment today
- ETFs vs Index Funds
- Should You Invest In Global Index Funds and much more
*CORRECTION: I said at 1:07:06 that 3% of the population have a stocks and shares isa it's approximately about 6%. Apologies for that error
🔗 Connect with Ramin:
https://www.youtube.com/@Pensioncraft
https://pensioncraft.com
📩 Sign up to my mailing list to be the first to know about upcoming events:
http://eepurl.com/hJEcLL
🤝Sponsors
Yesim - Get €5 off any plan with my code "savvy5"
https://bit.ly/41OAO6i
Tide - Earn 3.81% AER Variable on your business savings here:
https://glnk.io/91954/ato8fr
You'll get a free £100 when you use the code ‘SAVVYWALLET’ and fund the Instant Savings Account with £5,000 within the first 30 days. Ts&C's apply.
New Tide members receive a 0.77% AER boost on the standard 3.04% AER on unlimited balances until 01/06/25, after that the standard rate applies with no interest earned on balances over £75,000. Rates correct as of 06/02/2025. Terms and conditions apply. Visit tide.co/savings for up to date rates.
➡️ Follow Savvy Wallet on:
Instagram: https://www.instagram.com/savvywallet
TikTok: https://www.tiktok.com/@savvywallet
Check out our partners who offer Stocks and Shares ISA and more:
⚡️Trading 212⚡️(The investing platform I use)
Get a FREE fractional share worth up to £100 when you open an ISA or invest account and deposit at least £1, using my link: https://www.trading212.com/join/SAVVY
If you don't get the free share automatically after depositing £1. Use the code "SAVVY" in the promo code box. You can use this code for up to 10 days after opening the account.
When investing, your capital is at risk. Tax treatment depends on your individual circumstances and regulations which may change. Other fees may apply.
TIMESTAMPS
00:00 - Preview
01:11 - Intro
01:47 - Meet Investing Expert & PensionCraft Founder Ramin Nakisa
05:41 - Working in a Swiss investment bank
08:40 - Yesim Ad
10:12 - How do investment banks make their money?
15:23 - How the investment banking industry impacts you
17:23 - Sophisticated investors don’t have complex investment portfolios
18:20 - 15 years of lessons in investment banking
21:01 - Tide Ad
24:21 - Even if you don’t borrow, interest rates affects you!
25:50 - What really is investing?
27:54 - What is risk free premium?
31:06 - What is an equity?
32:35 - How is a bond different to an equity?
36:54 - Why is it important to invest ?
37:22 - This is the first step to investing
42:34 - When is the right time to sell your investments?
45:52 - The psychology of investing
50:42 - How to overcome the fear of the stock market crashing
56:21 - You need to work out your risk capacity & risk appetite
58:30 - How to be a more disciplined investor
01:01:17 - How to overcome the fear of investing?
01:02:32 - Steps to make your first investment today?
01:08:00 - Make your child a Pension Millionaire
01:09:27 - The 4% rule
01:11:10 - You only need 3 investments!
01:12:57 - Pitfalls for newer investors to avoid!
01:14:41 - How to figure out what global fund to go for?
01:20:03 - Should you still invest in global index funds?
01:24:02 - Why is it so hard to beat the stock market?
01:30:44 - The benefits of investing in a global index fund
01:34:22 - Risks to investing?
01:35:27 - Key lessons from investing and working an investment banking
01:37:12 - Why I invested in crypto
01:40:36 - How Pension craft helps you
01:43:10 - Final words
#FinancialPlanning
Learn more about your ad choices. Visit megaphone.fm/adchoices
View all episodes
By Savvy WalletIn this week's episode we have the founder of PensionCraft, Ramin Nakisa, who also was a strategist for 12 years at a Swiss investment bank.
In this episode we discuss:
- 2 Investments To Build and Grow Your Wealth In 2025
- Lessons from 15 Years in Investment Banking
- How Investment Banks Make Money
- The Psychology of Investing
- Steps to make your first investment today
- ETFs vs Index Funds
- Should You Invest In Global Index Funds and much more
*CORRECTION: I said at 1:07:06 that 3% of the population have a stocks and shares isa it's approximately about 6%. Apologies for that error
🔗 Connect with Ramin:
https://www.youtube.com/@Pensioncraft
https://pensioncraft.com
📩 Sign up to my mailing list to be the first to know about upcoming events:
http://eepurl.com/hJEcLL
🤝Sponsors
Yesim - Get €5 off any plan with my code "savvy5"
https://bit.ly/41OAO6i
Tide - Earn 3.81% AER Variable on your business savings here:
https://glnk.io/91954/ato8fr
You'll get a free £100 when you use the code ‘SAVVYWALLET’ and fund the Instant Savings Account with £5,000 within the first 30 days. Ts&C's apply.
New Tide members receive a 0.77% AER boost on the standard 3.04% AER on unlimited balances until 01/06/25, after that the standard rate applies with no interest earned on balances over £75,000. Rates correct as of 06/02/2025. Terms and conditions apply. Visit tide.co/savings for up to date rates.
➡️ Follow Savvy Wallet on:
Instagram: https://www.instagram.com/savvywallet
TikTok: https://www.tiktok.com/@savvywallet
Check out our partners who offer Stocks and Shares ISA and more:
⚡️Trading 212⚡️(The investing platform I use)
Get a FREE fractional share worth up to £100 when you open an ISA or invest account and deposit at least £1, using my link: https://www.trading212.com/join/SAVVY
If you don't get the free share automatically after depositing £1. Use the code "SAVVY" in the promo code box. You can use this code for up to 10 days after opening the account.
When investing, your capital is at risk. Tax treatment depends on your individual circumstances and regulations which may change. Other fees may apply.
TIMESTAMPS
00:00 - Preview
01:11 - Intro
01:47 - Meet Investing Expert & PensionCraft Founder Ramin Nakisa
05:41 - Working in a Swiss investment bank
08:40 - Yesim Ad
10:12 - How do investment banks make their money?
15:23 - How the investment banking industry impacts you
17:23 - Sophisticated investors don’t have complex investment portfolios
18:20 - 15 years of lessons in investment banking
21:01 - Tide Ad
24:21 - Even if you don’t borrow, interest rates affects you!
25:50 - What really is investing?
27:54 - What is risk free premium?
31:06 - What is an equity?
32:35 - How is a bond different to an equity?
36:54 - Why is it important to invest ?
37:22 - This is the first step to investing
42:34 - When is the right time to sell your investments?
45:52 - The psychology of investing
50:42 - How to overcome the fear of the stock market crashing
56:21 - You need to work out your risk capacity & risk appetite
58:30 - How to be a more disciplined investor
01:01:17 - How to overcome the fear of investing?
01:02:32 - Steps to make your first investment today?
01:08:00 - Make your child a Pension Millionaire
01:09:27 - The 4% rule
01:11:10 - You only need 3 investments!
01:12:57 - Pitfalls for newer investors to avoid!
01:14:41 - How to figure out what global fund to go for?
01:20:03 - Should you still invest in global index funds?
01:24:02 - Why is it so hard to beat the stock market?
01:30:44 - The benefits of investing in a global index fund
01:34:22 - Risks to investing?
01:35:27 - Key lessons from investing and working an investment banking
01:37:12 - Why I invested in crypto
01:40:36 - How Pension craft helps you
01:43:10 - Final words
#FinancialPlanning
Learn more about your ad choices. Visit megaphone.fm/adchoices
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