AI is transforming the world – but does that automatically make it a good investment?

In this episode of Investing Unlocked Extra, Georgie Frost is joined by Andrew Oxlade, Director at Fidelity Personal Investing, to unpack one of the biggest questions facing investors today.

Are AI stocks genuinely worth their eye-watering valuations, or are we seeing echoes of the dot-com bubble? And if you're invested in a pension, ISA or global tracker fund, how much AI exposure do you already have without realising it?

Together, they explore whether Nvidia, SpaceX and the Magnificent Seven have become too dominant, how to assess AI valuations, why passive investing may be increasing concentration risk and whether now is the time to rebalance your portfolio. They also discuss active versus passive investing, diversification, FOMO, market psychology and the practical steps investors can take to manage risk while staying invested.

Whether you're excited by AI or worried you've become overexposed, this episode will help you understand the opportunities, the risks and what they could mean for your portfolio.

Please remember: this podcast is for information and educational purposes only and does not constitute financial advice.

Capital is at risk.

Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you.

PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast.

Take control of your retirement today with PensionBee. When investing, your capital is at risk.

To hear more from us:

YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost, to watch more. 

Instagram: https://www.instagram.com/investing.unlocked/

TikTok: https://www.tiktok.com/@investing.unlocked

Georgie Frost:

Instagram: www.instagram.com/georgiefrostmoney/?hl=en

LinkedIn: linkedin.com/in/georgie-frost-a1b090110

How do you build a solid ETF portfolio when there are currently over 10,000 Exchange-Traded Funds to choose from?

ETFs are often sold as the ultimate low-cost, hassle-free way to invest. But with a market that’s more volatile than ever, knowing how to choose the best ETFs is much harder than it used to be.

In this episode of Investing Unlocked, Georgie Frost and Simon Lambert are joined by Steve Palmer, Head of ETF Solutions at Royal London Asset Management, to break down everything you need to know about ETF investing.

From their surprising origins following the 1987 Black Monday crash to their rise as the ultimate tool for modern portfolio diversification, Steve explains how ETFs really work, the hidden risks that rarely make the headlines and how to navigate an overwhelming explosion of choice.

Please remember: this podcast is for information and educational purposes only and does not constitute financial advice.

Capital is at risk.

Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you.

PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast.

Take control of your retirement today with PensionBee. When investing, your capital is at risk.

To hear more from us:

YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost, to watch the video podcast. 

Instagram: www.instagram.com/investing.unlocked/
TikTok: www.tiktok.com/@investing.unlocked

Georgie Frost 

Instagram: www.instagram.com/georgiefrostmoney/?hl=en
TikTok: tiktok.com/@georgiefrostmoney

LinkedIn: linkedin.com/in/georgie-frost-a1b090110

Investment trusts have been around for more than 150 years – but plenty of investors still aren't quite sure what they are, how they work or why they might want one in their portfolio.

In this Investing Unlocked Extra, Georgie Frost is joined by Annabel Brodie-Smith from the Association of Investment Companies to get under the bonnet of one of investing’s oldest – and perhaps most misunderstood – structures.

How can you buy £1 worth of assets for 90p? Why can investment trusts borrow money to invest? And how have trusts opened the door to everything from infrastructure and private companies to SpaceX and Anthropic?

Plus, we look at the battle with activist investors that has shaken up the industry, why ordinary shareholders have more power than they might realise, and what you should look for before investing in a trust yourself.

Please remember: this podcast is for information and educational purposes only and does not constitute financial advice.

Capital is at risk.

Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you.

PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast.

Take control of your retirement today with PensionBee. When investing, your capital is at risk.

To hear more from us:

YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost, to watch the video podcast. 

Instagram: https://www.instagram.com/investing.unlocked/

TikTok: https://www.tiktok.com/@investing.unlocked

Georgie Frost 

Instagram: www.instagram.com/georgiefrostmoney/?hl=en

LinkedIn: linkedin.com/in/georgie-frost-a1b090110

Bonds are powerful financial instruments that dictate mortgage rates and can bring down governments in a matter of days. Liz Truss learnt this the hard way in 2022. Yet, most retail investors still don't own them – or even fully understand what they do. 

In a world obsessed with fast growth, is ignoring the bond market a costly oversight for retail investors?

In this episode of Investing Unlocked, Georgie Frost and Simon Lambert sit down with Professor Moorad Choudhry – fixed income expert and former JP Morgan banker – to demystify one of investing's most misunderstood asset classes.

They break down exactly what a bond is, how gilt yields secretly affect your mortgage rate, and the key differences between buying bonds directly versus using a fund.

Moving past the textbook definitions, this episode confronts the real rates, risks, and returns of the bond market today – and why every investor needs a strategy for them.

Please remember: this podcast is for information and educational purposes only and does not constitute financial advice.

Capital is at risk.

Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you.

PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast.

Take control of your retirement today with PensionBee. When investing, your capital is at risk.

To hear more from us:

YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost, to watch the video podcast. 

Instagram: www.instagram.com/investing.unlocked/
TikTok: www.tiktok.com/@investing.unlocked

Georgie Frost 

Instagram: www.instagram.com/georgiefrostmoney/?hl=en
TikTok: tiktok.com/@georgiefrostmoney

LinkedIn: linkedin.com/in/georgie-frost-a1b090110

Capital Gains Tax is back in the spotlight, with growing speculation over whether the new Prime Minister could overhaul the system. But what exactly is CGT and what would any changes actually mean for investors?

In this episode, Georgie Frost is joined by Jason Hollands, Managing Director at Evelyn Partners, to unpack how Capital Gains Tax works, why it's taxed differently from income, and what proposed changes could mean for investors, business owners and the wider economy.

They discuss whether higher CGT would make the tax system fairer, why inflation matters more than many people realise, how previous tax changes have altered investor behaviour, and why HMRC's own modelling suggests raising rates doesn't necessarily mean raising more money.

Plus, practical ways investors can think about managing Capital Gains Tax without making hasty decisions based on political speculation.

Please remember: this podcast is for information and educational purposes only and does not constitute financial advice.
Capital is at risk.

Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you.

PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast.

Take control of your retirement today with PensionBee. When investing, your capital is at risk.

To hear more from us:

YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost, to watch the video podcast. 

Instagram: https://www.instagram.com/investing.unlocked/
TikTok: https://www.tiktok.com/@investing.unlocked

Georgie Frost 

Instagram: www.instagram.com/georgiefrostmoney/?hl=en

LinkedIn: linkedin.com/in/georgie-frost-a1b090110

Most people have no idea how much they need in their pension to retire. Almost half of UK adults don't even know how much is in their pension pot.

Jobs for life and final salary pensions are a thing of the past – and with the recent shift from defined benefit to defined contribution pensions, retirement has become one of the biggest financial challenges of our time.

In this episode of Investing Unlocked, Georgie Frost and Simon Lambert sit down with Maike Currie – investment commentator and VP of Personal Finance at PensionBee – to make sense of the recent policy changes and help you to take control of your pension.

They cover what to look for in a modern pension, the golden number for retirement, and how to make sure your pension money is working hard enough – even if you've started late.

How much income could your pension generate in retirement? Use PensionBee's Pension Calculator to find out your pension forecast.

Please remember: this podcast is for information and educational purposes only and does not constitute financial advice.

Capital is at risk.

Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you.

PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast.

Take control of your retirement today with PensionBee. When investing, your capital is at risk.

To hear more from us:

YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost, to watch the video podcast. 

Instagram: www.instagram.com/investing.unlocked/
TikTok: www.tiktok.com/@investing.unlocked

Georgie Frost 

Instagram: www.instagram.com/georgiefrostmoney/?hl=en
TikTok: tiktok.com/@georgiefrostmoney

LinkedIn: linkedin.com/in/georgie-frost-a1b090110

Labour's ISA reforms have been confirmed, bringing the biggest shake-up to ISAs in years. 

From April 2027, the Cash ISA allowance will be cut to £12,000, while cash held inside a Stocks and Shares ISA could face a new 22% tax on the interest it earns.

So what exactly is changing? Who will be affected? And will these reforms really encourage more people to invest, or simply make ISAs more complicated?

In this episode of Investing Unlocked Extra, Georgie Frost is joined by Investors' Chronicle personal finance and funds writer Helen Kirrane to explain the new rules, separate fact from speculation and explore what they could mean for savers, investors and the UK economy.

They discuss:

• The confirmed Labour ISA reforms and why the government says they're needed
• How the new Cash ISA limit will work
• Why cash held in a Stocks and Shares ISA could now be taxed
• What the changes mean for money market funds
• Whether the reforms will encourage investing or create unintended consequences
• Why the government wants more of our savings invested in UK businesses
• The practical steps ISA holders should consider before the new rules take effect

Whether you're a seasoned investor or simply trying to understand what these changes mean for your own savings, this episode explains the new ISA rules in plain English.

Please remember: this podcast is for information and educational purposes only and does not constitute financial advice.
Capital is at risk.

Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you.

PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast.

Take control of your retirement today with PensionBee. When investing, your capital is at risk.

To hear more from us:

YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost, to watch the video podcast. 

Instagram: https://www.instagram.com/investing.unlocked/
TikTok: https://www.tiktok.com/@investing.unlocked

Georgie Frost 

Instagram: www.instagram.com/georgiefrostmoney/?hl=en

LinkedIn: linkedin.com/in/georgie-frost-a1b090110

Making money through investing takes time. Trading promises to do it fast. At least, that's what social media wants you to believe.

So, can you actually make money trading – or is it a near-guaranteed way to lose it all?

In this episode of Investing Unlocked, Georgie Frost and Rick Kelsey sit down with professional trader Michael Taylor – better known as Shifting Shares – to explore why most traders lose money, and what separates the ones who don't.

Michael shares his honest personal journey into UK small-cap trading, from the costly mistakes he made along the way and how those lessons shaped his approach today.

This episode looks past the social media noise to break down the mechanics of the market – from CFDs to spread betting – the discipline needed to manage risk, and what to actually look for before risking your capital.

This episode contains a brief reference to suicide. If you or someone you know is struggling, please contact Samaritans on 116 123 (free, 24/7) or visit samaritans.org.

Please remember: this podcast is for information and educational purposes only and does not constitute financial advice.
Capital is at risk.

Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you.

PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast.

Take control of your retirement today with PensionBee. When investing, your capital is at risk.

To hear more from us:

YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost, to watch the video podcast. 

Instagram: https://www.instagram.com/investing.unlocked/
TikTok: https://www.tiktok.com/@investing.unlocked

Georgie Frost 

Instagram: www.instagram.com/georgiefrostmoney/?hl=en

LinkedIn: linkedin.com/in/georgie-frost-a1b090110

Rick Kelsey
Instagram: https://www.instagram.com/rickkelsey/
LinkedIn: https://www.linkedin.com/in/rickkelsey/

Michael Taylor
Instagram: https://www.instagram.com/shiftingshares
LinkedIn: https://uk.linkedin.com/in/michael-taylor-27bb295b

SpaceX's IPO. The World Cup. Two of the biggest events on the planet right now.

One involves investors pouring billions into a company promising to reshape the future. The other involves fans paying thousands to watch 22 people kick a ball around a field. But when excitement reaches fever pitch, who actually wins?

In this episode of Investing Unlocked Extra, Georgie Frost is joined by Economics Editor at Investors' Chronicle, Hermione Taylor, to explore the economics behind two global phenomena.

What exactly are investors buying when they buy into SpaceX? Are they backing a business, or a vision? With AI companies, IPO hopefuls and tech giants all demanding fresh capital, where is all that money coming from?

And what can the World Cup teach us about value, price and speculation? Why are fans willing to pay Taylor Swift prices for football? Do host countries really benefit from staging major tournaments? And when you follow the money, who are the real winners?

A conversation about hype, scarcity, storytelling and what happens when excitement becomes an asset.

Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you.

PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast.

Take control of your retirement today with PensionBee. When investing, your capital is at risk.

To hear more from us:

YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost, to watch the video podcast. 

Instagram: https://www.instagram.com/investing.unlocked/

Georgie Frost 

Instagram: www.instagram.com/georgiefrostmoney/?hl=en

LinkedIn: linkedin.com/in/georgie-frost-a1b090110

Hermione Taylor
LinkedIn: linkedin.com/in/hermione-taylor

The UK stock market has been described as cheap, undervalued and out of favour for years. But according to Clive Beagles, the real story is far more alarming: at the current rate of takeovers, the UK could have no stock market left in ten years.

So is it time to back Britain – or is it already too late?

In this episode of Investing Unlocked, Georgie Frost and Simon Lambert talk to Clive Beagles – Senior Fund Manager at J O Hambro Capital Management – to make sense of why one of the world's oldest stock markets is sleepwalking towards irrelevance.

They get into the "Cool Britannia" era of the 90s versus today, how negative press coverage has become a self-fulfilling prophecy, and what the FTSE 100 and FTSE 250 actually tell you about the UK economy.

Clive also explains how unlocking the vast savings held by UK households could be the key to turning things around – and what investors should actually do with UK equities right now.

Please remember: this podcast is for information and educational purposes only and does not constitute financial advice.
Capital is at risk.

Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you.

PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast.

Take control of your retirement today with PensionBee. When investing, your capital is at risk.

To hear more from us:

YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost, to watch the video podcast. 

Instagram: https://www.instagram.com/investing.unlocked/

Georgie Frost 

Instagram: www.instagram.com/georgiefrostmoney/?hl=en

LinkedIn: linkedin.com/in/georgie-frost-a1b090110

Clive Beagles
LinkedIn: https://www.linkedin.com/in/clive-beagles-1742321a6/