Money Wise UK®

In this episode of Money Wise UK Podcast, we welcome back Richard Parkin, Head of Retirement at BNY Investments. Following the October Budget and his latest research with NextWealth on Retirement Advice, Richard shares key insights shaping the future of retirement planning.

Key findings from the research include:
🔹 47% of advisers feel compliance with the thematic review limits their ability to meet client demand.
🔹 28% of advisers have no plans to adopt a standardized retirement advice model.
🔹 40% of advisers continue using the same portfolios for decumulation as they do for accumulation.

We dive into these findings, discussing the role of annual reviews, industry trends, and what the future holds for retirement advice. Whether you're an adviser or an individual planning your retirement, this episode offers valuable perspectives from both sides of the conversation.

💡 Resources:

• For retirement insights, visit BNY Investments.
• Advisers can explore the Money Wise UK Centralised Retirement Proposition®.
• If you're seeking retirement advice, check out unbiased.co.uk.

🎧 Don’t forget to subscribe for future episodes, leave a review, and share your thoughts. Join us on this journey as we navigate the evolving world of retirement planning.

📢 Disclaimer: This podcast does not provide financial advice. Please consult a financial adviser for personalized guidance. Investments can rise and fall, and past performance is not a reliable indicator of future returns. Any company mentions are for discussion purposes only and do not constitute recommendations.

Thoughtful Investing with Castlefield Investment Partners

If you’ve ever felt overwhelmed by the jargon surrounding ESG, sustainable investing, responsible investing, impact investing, and ethical investing, this episode is a must-listen.

In this episode of the Money Wise UK Podcast, host George talks with Callum Wells of Castlefield Investment Partners to discuss the complexities of sustainable finance.

Key topics include:

• Understanding the differences between ESG, responsible, impact, and ethical investing
• How to navigate the latest FCA sustainable investment labels
• Castlefield’s unique approach to engaged and transparent investing
• The role of regulatory frameworks and governance in sustainable finance
• What thoughtful investing truly means in today’s evolving market

Join us as we explore how investors can align their portfolios with their values while ensuring long-term financial sustainability.

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Listen now on Spotify and be part of the conversation on thoughtful investing!

Please note: This podcast does not provide financial advice. If you have any questions, we recommend speaking to a financial adviser. Past performance does not guide future returns; investments can fall and rise. Any mention of a company is not a recommendation.

In the Money Wise UK Podcast episode, host George speaks with David McNeil of Castlebay as the firm celebrates its 10th anniversary. David shares his journey into investment management, from an early fascination with stockbroking to co-founding Castlebay in 2013. He discusses the firm’s unique approach to quality value investing, maintaining a low turnover strategy (10% annually) and a long-term perspective.

The conversation explores the challenges of running an independent investment firm, including regulation, technology adoption, and industry consolidation. David highlights Castlebay’s commitment to transparency, independence, and building long-term relationships with investors, contrasting trends in larger asset management firms.

Please tune in for insights into Castlebay’s investment philosophy, approach to ESG integration, and vision for the future.

Visit my website money-wise.uk for more details, and don’t forget to follow, rate, and share to help spread the message!

Please note: This podcast does not provide financial advice. If you have any questions, we recommend speaking to a financial adviser. Past performance does not guide future returns, and investments can fall and rise. Any mention of a company is not a recommendation.

Castlebay Website

Other websites:

Monday.com

saturnAI

With poverty and inequality in the UK remaining among the highest in the developed world, impact investing offers a way to address these challenges while delivering financial returns.

George and Hermina break down the world of investment trusts, explaining how they work and uncovering the unique opportunities in the social impact sector. They also discuss risk management, investor safeguards, and what sets the Schroder BSC Social Impact Trust apart from others in the ESG space.

This conversation features real-world case studies of how the trust has created a measurable social impact, the transparency provided through impact reporting, and what the FCA sustainability label means for investors. We also look at the additional oversight required to ensure authenticity in ESG investing.

This is a must-listen episode if you’re interested in sustainable investing, ESG principles, or understanding how investment trusts work.

🎧 Listen now and subscribe to stay updated on the latest in financial markets, investment opportunities, and sustainable finance.

📌 Visit my website money-wise.uk for more insights on investing, and don’t forget to follow, rate, and share to help spread the message!

Please note: This podcast does not provide financial advice. If you have any questions, we recommend speaking to a financial adviser. Past performance does not guide future returns, and investments can fall and rise. Any mention of a company is not a recommendation.

Investment Trust Discounts:

Winterfloods research: The current investment trust sector discount is 14.5%, compared to an investment trust sector 30-year average discount of 8.8%. This highlights the potential for a reversion to mean over time or potentially greater upside should the sector revert to trading close to NAV, as has been much of the case in recent years (this was data as of December, and discounts have widened a bit further since).

AIC statement: ‘Investment trusts have now traded at double-digit discounts for the longest sustained period on record’.

Join George as he sits down with Andrew Cain of GSI for a deep dive into factor investing and its role in global investment strategies. This episode unpacks key investment concepts, including:

✅ How factor investing works and its potential benefits for portfolio diversification and risk management
✅ The differences between index investing and active strategies—and whether our approach to them should evolve
✅ The FCA’s sustainable investment labels and their impact on fund selection
✅ The intersection of factor investing and ESG, exploring engagement strategies and what sustainability means for investors

With global markets shifting, understanding how to optimize investment strategies using factors like value, momentum, and quality is more important than ever. Whether you’re interested in factor investing, sustainable finance, or new approaches to asset allocation, this is a must-listen episode.

🎧 Listen now and stay ahead in investments, financial markets, and sustainable investing.

📌 Visit my website money-wise.uk for more insights, and don’t forget to follow, rate, and share to help spread the message!

Please note: This podcast does not provide financial advice. We recommend speaking to a financial adviser if you have any questions. Past performance does not guide future returns, and investments can fall and rise. Any mention of a company is not a recommendation. For more details on GSI, visit gsillp.com.

In this episode, George sits down with Mikhail Zverev and Graeme Bencke of Amati Global Investors for an in-depth discussion on global investing and the role of active management in today’s markets.

We explore key themes, including:

✅ The complexities of modern financial markets and what they mean for investors
✅ The ongoing debate between active vs. passive investing—does active management add value?
✅ The risks of avoiding the "Magnificent Seven" and the challenges of holding large, index-heavy stocks
✅ The differences between working at a major investment house vs. a specialist fund manager

For investors looking at opportunities beyond the index, this episode provides valuable insights into how active management can work as a standalone strategy or complement passive investing.

🎧 Listen now to stay ahead in global markets, investment trends, and portfolio management strategies.

📌 Visit my website money-wise.uk for more insights, and don’t forget to follow, rate, and share to help spread the message!

Please note: This podcast does not provide financial advice. We recommend speaking to a financial adviser if you have any questions. Past performance does not guide future returns, and investments can fall and rise. Any mention of a company is not a recommendation. For more details on Amati, visit amatiglobal.com.

Join George in this special two-part series, where the focus shifts from investments to real-life businesses. In this episode, George sits down with Brad Askew, founder of Bristol Spring (formerly Spring Incubator), to explore his entrepreneurial journey—from launching an online legal services company to successfully selling it to a multinational legal insurance firm.

Key topics include:

✅ What happens after selling a business? The transition, challenges, and opportunities in the next chapter
✅ The mindset of successful entrepreneurs—key qualities that define business leadership
✅ Lessons from building, scaling, and exiting a company
✅ The more profound question: What does success truly mean?

This engaging discussion is packed with insights for entrepreneurs, business leaders, and anyone navigating the world of startups, acquisitions, and business growth.

🔗 Check out the new website for Bristol Spring: bristolspring.co.uk

🎧 Listen now to gain valuable business insights, and don’t forget to follow, rate, and share!

📌 Visit my website money-wise.uk for more details.

Please note: This podcast does not provide financial advice. If you have any questions, we recommend speaking to a financial adviser. Past performance does not guide future returns, and investments can fall and rise. Any mention of a company is not a recommendation.

Join George in this special two-part series, where the focus shifts from investments to real-life businesses. In this episode, George sits down with Sam Gee of Manning Gee Investments to explore the challenges and opportunities of launching and scaling a financial planning firm.

Key topics include:

✅ Starting a financial planning business – Overcoming early hurdles and finding the right strategy for growth
✅ Navigating regulatory challenges – Understanding compliance, industry regulations, and the impact on financial advice firms
✅ Industry consolidation and competition – How to stand out and build a sustainable business in a rapidly changing landscape
✅ Lessons in business ownership – The realities of running a firm, from client relationships to operational efficiency

For financial advisers, entrepreneurs, and anyone interested in financial planning, this episode provides valuable insights into building a successful practice.

🎧 Listen now for expert perspectives on entrepreneurship in financial services!

📌 Visit my website money-wise.uk for more details, and don’t forget to follow, rate, and share!

Please note: This podcast does not provide financial advice. If you have any questions, we recommend speaking to a financial adviser. Past performance does not guide future returns, and investments can fall and rise. Any mention of a company is not a recommendation.

Join George as he sits down with Premier Miton's Emma Mogford for an insightful and thought-provoking conversation on key investment themes. In this episode, they explore:

✅ How confirmation bias shapes investment decisions – Are we making objective choices or just reinforcing existing beliefs?
✅ Income vs. growth investing – The pros, cons, and which strategy suits different market conditions.
✅ Active vs. passive management – When does each approach work best, and what are the key considerations for investors?

Packed with expert insights and actionable takeaways, this episode is a must-listen for investors, financial planners, and anyone navigating today’s evolving markets.

🎧 Listen now to sharpen your investment thinking!

📌 Visit my website money-wise.uk for more details, and don’t forget to follow, rate, and share to help spread the message!

Please note: This podcast does not provide financial advice. If you have any questions, we recommend speaking to a financial adviser. Past performance does not guide future returns, and investments can fall and rise. Any mention of a company is not a recommendation.

In this episode, George is joined by Joe Bunting and Christoph Weidebach of Tellsons Investors for an in-depth discussion on the evolving landscape of fund management. As industry consolidation reshapes the investment world, specialist fund managers must find ways to deliver value and stay competitive.

Key topics include:

✅ Active vs. passive investing – Which approach is best in today’s market?
✅ Value vs. cost – The trade-offs investors need to consider.
✅ The future of independent fund management – How smaller firms can compete in a world of increasing scale and regulation.
✅ Long-term thinking in investment management – Why a disciplined approach still matters.

With expert insights and practical takeaways, this episode is a must-listen for investors, financial advisers, and anyone interested in the shifting dynamics of the fund management industry.

🎧 Tune in to gain valuable perspectives on the future of investing!

📌 Visit my website money-wise.uk for more details, and don’t forget to follow, rate, and share to help spread the message!

Please note: This podcast does not provide financial advice. If you have any questions, we recommend speaking to a financial adviser. Past performance does not guide future returns, and investments can fall and rise. Any mention of a company is not a recommendation.