Investing Unlocked

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/

ISAs are back in the spotlight after the government's decision to cut the Cash ISA allowance for under-65s from next year. But that's only part of the story.

In this episode of Investing Unlocked Extra, Georgie Frost is joined by Sarah Coles, Head of Personal Finance at AJ Bell, to separate fact from fiction and explain what the latest ISA changes could mean for savers and investors.

They discuss:

• Why the government is changing Cash ISAs
 • Whether the reforms will actually encourage more investing
 • The speculation around taxing cash held within Stocks & Shares ISAs
 • What happens to transfers between Cash and Stocks & Shares ISAs under the new rules
 • Why flexibility matters when it comes to saving and investing
 • Whether higher taxes on savings, dividends and capital gains signal a wider shift in UK wealth taxation

Plus, Sarah shares practical tips on choosing the right ISA for your goals and the one group of savers who may want to consider taking action before the new rules come into force.

If you're wondering how the ISA landscape is changing — and what it could mean for your financial future — this episode is essential listening.

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

Sarah Coles
LinkedIn: linkedin.com/in/sarah-coles-720b2113

What if the greatest financial gift you could give your child isn't a savings account? It’s timing.

In this episode of Investing Unlocked, Georgie Frost and Rick Kelsey sit down with Claer Barrett – FT consumer editor, money expert and author of the bestselling What They Don't Teach You About Money – to make the case for investing for kids, and explain exactly how to do it.

They cover everything from Junior ISAs and Junior SIPPs to stock market investing for children – and how to make it work even when money is tight.

But building wealth is only half the story. This episode also explores how best to tackle difficult money conversations and how to help your children make smart decisions when they finally get access to the pot.

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 version

Instagram: https://www.instagram.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/?hl=en-gb

LinkedIn: linkedin.com/in/rickkelsey

Claer Barrett
Instagram: https://www.instagram.com/claerb/?hl=en
LinkedIn: linkedin.com/in/claer-barrett-74088414

UK government borrowing costs have climbed to their highest levels in decades – and suddenly the bond market is back in focus.

In this episode of Investing Unlocked Extra, Georgie Frost is joined by author and award-winning investment journalist Cherry Reynard to unpack what’s happening in the gilt market, why investors are getting nervous about Britain’s finances and what it could mean for mortgages, pensions and the wider economy.

They discuss:

• What gilts actually are – and why they matter
• Why rising yields affect mortgage rates and borrowing costs
• Whether this is another “Liz Truss moment”
• The role of inflation, energy prices and political instability
• Why bond markets care so much about fiscal credibility
• Whether UK government debt is becoming a problem
• How gilts show up in pensions and investments
• Whether bonds are actually attractive again for investors

Cherry also explains the famous “bond vigilantes” idea, why markets can intimidate governments, and whether Britain’s finances are more fragile than many people realise.

If you’ve heard people talking about gilt yields and wondered why it matters to your own money, this episode breaks it down clearly, calmly and without jargon.

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

Georgie Frost
Instagram: https://www.instagram.com/georgiefrostmoney/?hl=en
LinkedIn: https://uk.linkedin.com/in/georgie-frost-a1b090110

For generations, we’ve been told that property is the "default" safe bet. But the world is changing fast. Landlord numbers are falling, and interest rates are staying higher for longer.

In this episode of Investing Unlocked, Georgie Frost and Simon Lambert sit down with Rob Dix – author, landlord and co-founder of Property Hub – to ask if investing in property is still worth it. And if it is, how do you actually do it well?

They interrogate the long-held British belief that "my property is my pension," identifying who property genuinely suits as an asset class – and who should walk away.

The conversation also covers what actually makes a "good" investment property in 2026 and exactly what you’ll need to consider before you even think about buying.

For anyone who has ever assumed property is "safe as houses”, this episode will make you think again.

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

Georgie Frost
Instagram: https://www.instagram.com/georgiefrostmoney/?hl=en
LinkedIn: https://uk.linkedin.com/in/georgie-frost-a1b090110

Simon Lambert
LinkedIn: https://uk.linkedin.com/in/simon-lambert-26013233
X/Twitter: https://x.com/_simonlambert?lang=en

Rob Dix
Instagram: https://www.instagram.com/therobdix/
LinkedIn: uk.linkedin.com/in/rob-dix
Website: https://propertyhub.net/rob-dix/

If you’ve got a pension, chances are big changes are coming - whether you realise it or not.

From a brand new pensions bill to debates over the future of the triple lock, and even changes to salary sacrifice, the UK pensions landscape is shifting fast.

In this episode of Investing Unlocked Extra, Georgie Frost speaks with pensions expert and Times columnist Tom McPhail about what’s changing, what it means for your retirement, and what you should actually be paying attention to.

They also explore the growing tension between government control and individual choice, why trust in the system matters more than ever, and the simple steps people can take to stay on track.

In this episode, we explore:

• What the new pensions bill actually means for savers
• Why the government wants “fewer, bigger, better” pension schemes
• The controversy around the government’s proposed investment powers
• What the triple lock is - and why its future is under threat
• How changes to salary sacrifice could affect higher earners
• Why many people are losing trust in pensions and investing
• What younger generations are really up against financially
• The simple steps you can take now to build a stronger retirement plan
• If you’re unsure what all these changes mean for you - or whether you’re doing enough for retirement - this episode breaks it down in a way that actually makes sense.

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.

Guest

Tom McPhail

Pensions Expert & Times Columnist

https://www.thetimes.com/profile/tom-mcphail

LinkedIn: https://www.linkedin.com/in/tom-mcphail-9260a624/

X (Twitter): @PensionsMonkey

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Investing Unlocked

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

Georgie Frost

Instagram: https://www.instagram.com/georgiefrostmoney

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

British households are sitting on £430 billion in cash that could be invested. So what's stopping us? 

The truth is, most people are terrible with money - but it's not for lack of knowledge. It's how we're wired.

In this episode of Investing Unlocked, Georgie Frost and Simon Lambert sit down with financial psychotherapist, Vicky Reynal - Times columnist and author of Money on Your Mind - for a rare look at the psychology behind our most common investing mistakes.

They get into why intelligent, successful people still make poor money choices, how the beliefs we picked up in childhood shape the way we invest today, and how to rewire those subconscious patterns and take back control of your financial future.

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 version

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

Georgie Frost 

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

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

From global equities to commodities like oil and gold, the US dollar sits at the centre of the financial system. When it moves, it can have a major impact on investment returns, inflation, and global markets. But the dollar’s dominance is increasingly being questioned.

In this episode of Investing Unlocked Extra, Georgie Frost speaks with Emma Wall, Chief Investment Strategist at Hargreaves Lansdown, about what’s happening with the dollar, why central banks are diversifying into gold, and what it all means for UK investors. 

They also discuss the government-backed campaign to get more Brits investing, and the rise of people asking AI tools like ChatGPT for financial advice.

In this episode, we explore:

• Why the US dollar affects almost every investor 

• Whether the dollar is losing its global dominance 

• Why central banks are buying more gold 

• How currency movements affect your investment returns 

• The new UK campaign encouraging more people to invest 

• The risks of using AI for financial advice 

If you're wondering how currency movements impact your portfolio, this episode breaks down the bigger picture.

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 version

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

Georgie Frost 

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

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

Love it or loathe it, social media is now where millions of us go for investing advice.

For a generation priced out of property, it's become something more. Social media, for many, is a genuine route to financial education. But unregulated and ungoverned, the lines between education, entertainment and sales are becoming increasingly blurred ... and we're seeing a rise in misinformation, bad actors and outright scams.

So in a sea of content, who can we actually trust?

In this episode of Investing Unlocked, Georgie Frost and Rick Kelsey talk to personal finance educator and TikTok's “That Money Guy”, Gabriel Nussbaum – a finfluencer with over a million followers and a mission to make financial education free and transparent.

Together, they explore how social media is rewriting the rules of wealth, the darker side of finfluencer culture and the red flags every investor needs to watch for.

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 version

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

Georgie Frost 

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

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

Last month should have been the moment for “safe haven” assets like gold and government bonds to shine. Instead, gold suffered its worst month in over a decade, while UK government bonds saw their biggest fall since the 2022 mini-budget crisis.

So what went wrong?

In this episode of Investing Unlocked Extra, Georgie Frost speaks to finance journalist Holly Mead about why traditional defensive investments sometimes fail – and what investors should really do when markets turn volatile.

They explore:

• Why gold and bonds dropped during a geopolitical crisis
• Whether defensive assets still have a place in portfolios
• How inflation and interest rates change investment behaviour
• What actually performed well during the market turmoil
• Whether younger investors should bother with defensive assets at all

If you're wondering how to build a resilient investment portfolio in uncertain times, this episode breaks it down in clear, practical terms.

Guest: Holly Mead

LinkedIn: https://www.linkedin.com/in/holly-mead-411b4a136/
X.com: https://x.com/holly_mead_
TikTok: @hollymead_moneyjourno

To hear more from us:

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

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

Georgie Frost 

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

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

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.