Mouthy Money: Building wealth with long term investing and saving strategies

Welcome to Investing Stakes. Our new monthly series where Edmund Greaves and Chris Tuite invest £500 of their own money and track the results in public over a five-year horizon, in partnership with Stratiphy.

In Episode 1, Ed and Chris set out their strategies (momentum vs moving averages), choose sectors and debate the big themes shaping markets - including AI, healthcare innovation, defence spending and energy - with Stratiphy Chief Investment Officer Chris Ling.

What you’ll get in this series (monthly):

• Our latest performance: what’s up, what’s down, and why

• The decisions we’re making next (and what we’re avoiding)

• Clear explanations of investing fundamentals and market context

• A closer look at systematic/quant approaches (signals, backtests, and portfolio changes)

In this episode:

• The market backdrop and what’s driving volatility

• Tech vs no-tech: the core disagreement

• Why we’re doing “skin in the game” investing publicly

• How Stratiphy strategies work (momentum, moving averages, MACD)

• ISA vs GIA considerations (and why it matters)

About Stratiphy

Stratiphy is an investing app that helps everyday investors build and track systematic strategies using tools such as signals and backtesting.

Learn more about Stratiphy here: https://www.stratiphy.io/

This series is produced in partnership with Stratiphy. 

Important: This content is for information and discussion only and is not financial advice. Capital is at risk and past performance is not a reliable indicator of future results.

Chapters

00:00 Introduction to Investing Stakes

01:17 The Importance of Skin in the Game

05:39 Introducing Chris Ling from Stratify

07:38 Current Market Landscape and Geopolitical Concerns

14:02 Understanding Stratify's Unique Investment Strategies

21:48 Hosts' Investment Plans and Sectors of Interest

28:03 The Energy Debate: Investment Perspectives

31:15 Financial Services: A Resurgence on the Horizon?

34:49 Industrials and Defense: Investing in Uncertainty

40:38 Tech Stocks: Overvalued or Here to Stay?

50:24 Investment Projections: Looking Ahead

All views expressed are those of the presenters and guests and do not constitute financial advice. Your capital is at risk, investments can go down as well as up. Past performance is not indicative of future results.

CONNECT WITH US

Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.

Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at ⁠⁠[email protected] ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate.

Are you one of the 1.8 million homeowners planning to remortgage this year? 

In our latest podcast, Paul Thomas shares insights on the 2026 mortgage market and what rate cuts might mean for you. 

With some bullish forecasts, could we see rates drop as low as 2.75%? 

Paul explains:

-There is a consensus that mortgage rates may decrease this year.

-Economic indicators like inflation and employment significantly impact mortgage rates.

-Homeowners should not panic about recent low property sales in their area.

-Remortgaging can be beneficial, but timing and market conditions matter.

-It's essential to explore multiple mortgage options before making a decision.

-Staying with the same lender can simplify the remortgaging process.

-Don't leave remortgaging decisions until the last minute.

-The housing market may improve as economic conditions stabilize.

-Understanding the mortgage market dynamics is crucial for homeowners.

-There are reasons to be hopeful for better mortgage rates in the near future.

Chapters

00:00 Introduction to the Mortgage Market Discussion

02:57 Current Trends in Mortgage Rates

05:32 The Impact of Economic Indicators on Mortgages

08:30 Understanding Remortgaging and Its Challenges

11:05 Navigating the Mortgage Market: Tips for Homeowners

13:46 Future Outlook for Mortgage Rates and Housing Market

16:45 Practical Steps for Remortgaging

19:28 Final Thoughts and Conclusion

CONNECT WITH US

Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.

Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at ⁠⁠[email protected] ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate.

Having a financial survival kit is critical in a world that is becoming less safe and the future direction of economies becomes more uncertain. So what should you have in it?

In this week’s episode, Ed and Chris consider some of the basics you need for a financial survival kit, plus one other that most people forget: life insurance and income protection.

The guys welcome onto the show Cavendish Online’s Ollie Popham to look at how life insurance and income protection work and how it can form a key part of your financial emergency preparedness. 

Income protection in particular is poorly understood but can be extraordinarily beneficial for those who might not even think they need it. This is especially the case for those of us who think we’ll never fall ill or be unable to work - something that affects way more people than you might imagine. 

Ed urges everyone to at least try going through the process to see what cover they might be able to get and how much it would cost. The price of such products might surprise you, especially if you’re young, fit and otherwise healthy now. 

If you’d like to learn more about Cavendish Online and the brokering they offer for protection products, check out their website: https://www.cavendishonline.co.uk/

Chapters

00:00 Introduction and New Beginnings

02:48 The Concept of Financial Survival Kits

05:30 The Importance of Insurance in Financial Planning

08:07 Understanding Life and Income Protection Insurance

11:09 Navigating the Costs of Income Protection

13:44 The Role of Cavendish Online in Insurance

16:44 Personal Experiences with Insurance

19:15 The Value of Comprehensive Coverage

22:04 Final Thoughts and Recommendations

CONNECT WITH US

Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.

Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at ⁠⁠[email protected] ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate.

Comedian Mark Watson shares a brutally honest look at the money, risk and resilience behind a career in comedy: from surviving £100 gigs to navigating tax, kids and the cost of living crisis.

In this episode of the Mouthy Money podcast, guest editor Vix Leyton joins host Chris Tuite while normal host Edmund Greaves is on paternity leave, and they’re joined by comedian and author Mark Watson.

Mark breaks down the financial reality behind a career in comedy: early years living on the bare minimum, taking side jobs, and treating every £100 gig as immediate rent money. 

He tackles a common myth head-on, being on TV or radio doesn’t automatically mean you’re wealthy and explains how many comics run at a loss for years once you factor in travel and unpaid/low-paid gigs.

Mark describes the “grown-up” financial turning points for freelancers: getting an accountant, taking tax and VAT seriously, and learning to budget around irregular income where payments can arrive months late (or not at all). 

Mark’s practical advice: pay for professional financial help because creative income is messy, and don’t mentally spend money until it’s in your account. His broader philosophy is blunt: life will drain money into boring necessities anyway, so if you can, enjoy some of it now.

Chapters

00:00 The reality of irregular income and early financial survival as a comedian

00:34 Podcast introductions and Mark Watson’s career background

02:05 Breaking into comedy: low pay, free work, London costs, and early sacrifices

04:51 Turning point: tax, VAT, accountants, and learning to budget with erratic income

06:52 Parenthood, financial anxiety, and long-term money vigilance

08:42 Should you pursue a career in the arts during a cost-of-living crisis?

12:05 Grassroots comedy, struggling venues, and the impact of hospitality decline

14:51 Corporate gigs, appearances, and how business budgets really behave

18:43 Advice for turning passion projects into careers: resilience and realism

22:00 Podcasting, creators, and the myth of overnight success

23:10 Practical financial advice: accountants, spending, and “surprise money”

24:54 Teaching kids (and adults) real-world financial literacy

27:02 Light relief: space travel, value for money, and cultural tangents

29:14 Mental traps around expected income and financial disappointment

32:50 Where to find Mark Watson, current projects, and closing reflections

CONNECT WITH US

Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.

Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at ⁠⁠[email protected] ⁠⁠

Mark Watson; Mouthy Money podcast; Vix Leyton; comedian finances; freelance budgeting; creative industries money; cost of living crisis UK; Edinburgh Fringe costs; comedy gigs pay; VAT for freelancers; irregular income; accountant for creatives; corporate event comedy; making money in comedy; financial advice for freelancers; side hustles creative careers; stand-up comedy career.

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate. 

With Ed on paternity leave, Chris is joined by Vix Leyton (Spendology podcast host and consumer finance expert at Think Money) as guest editor, alongside writer and comedian Siân Docksey, for an open, practical conversation about money, creativity and confidence.

At the centre of the episode is Siân’s “Money Coven” - a simple weekly Zoom and WhatsApp accountability group created during a tough financial period. No jargon or hacks, just honesty, consistency and support. The result: debt tackled, income improved and a healthier relationship with money.

Together, they cover:

• Why money is still taboo, particularly in the UK
• Financial confidence, shame and gender
• The realities of self-employment and creative careers
• Saving, automation and low-stress investing
• Why money works best as a tool for life, not a moral test

Smart, funny and reassuring, this episode shows how talking about money and not doing it alone can make a real difference.

👉 Follow @vixleyton and @SianDocksey on Instagram

Chapters

00:00 Introduction and Guest Introductions

01:56 The Importance of Financial Confidence for Women

04:55 Cultural Attitudes Towards Money

10:21 Personal Experiences with Financial Setbacks

15:07 Building a Supportive Financial Community

20:48 The Impact of Accountability on Financial Health

25:21 Navigating Financial Vulnerability

27:11 Understanding Money as a Tool

30:40 The Emotional Side of Money

34:26 Advocating for Financial Transparency in the Arts

38:11 Building a Sustainable Creative Career

41:09 Knowing Your Worth and Asking for It

finance, financial confidence, women in finance, personal finance, community support, financial setbacks, arts industry, money management, investing, financial transparency

CONNECT WITH US

Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.

Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at ⁠⁠[email protected] ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate. 

What do you aspire to financially? It could be becoming a millionaire or just owning your own home. But whatever your aspirations are, it feels like it is getting harder and harder to feel like we’re on the right path to that.

This week, Chris and Ed dig into the challenges facing people who aspire to make more of their money, from graduates who have the tax system set up against them to those who want to invest but find themselves without the resources to do that.

The guys also consider why people hold so much cash despite knowing investing is a better use of their wealth and why there’s room to be positive, even if you’ve only got £50 a month to set aside.

Do you feel like we’re at an end to the era of aspiration? Do you still have hope for the future? Let us know in the comments 👇

Keywords

aspiration, economic challenges, student debt, investment, financial security, wealth building, economic growth, personal finance, financial education, future planning

CONNECT WITH US

Thank you for watching our video!If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.

Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at ⁠⁠[email protected] ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate. 

Where next for bitcoin? We’re joined by Daniel Parkinson ‘the Bitcoin IFA’ to review the digital asset’s story of 2025 and where it goes next in 2026.

From regulatory shenanigans in the UK to treasury company uncertainty and the whipsaw of recent cycles, Dan explains his thoughts on what could happen to the price given all we know about markets, money printing and investor behaviour.

How do you feel about bitcoin’s prospects for the year ahead? Let us know in the comments. 👇

Bitcoin, cryptocurrency, digital assets, investing, financial regulation, FCA, market cycles, cryptocurrency investments, Mouthy Money podcast.

Chapters00:01 Introducing the episode, co-host Chris, and returning guest Dan (“Bitcoin IFA”) to talk about Bitcoin’s year and what’s next.

02:17 FCA lifting its own ban on Bitcoin/Ethereum ETNs, patchy platform access, harsh risk warnings, and Dan even failing the eligibility “tick-box” test.

[05:55 ISA chaos: HMRC’s six-month window, forced move to Innovative Finance ISAs, platforms not offering them, and fears of forced selling or loss of tax benefits.

08:51 Chris’s Bitcoin journey, institutional signals, UK rule changes, 2025 all-time highs near ~$120k, and feeling far more confident holding Bitcoin long term.

11:13 Short-term drawdown since the peak, Dan’s cycles framework (daily/weekly/four-year), expectations for a weekly low and a four-year low in late 2026, and lump-sum vs DCA.

19:18 Tech stock froth (e.g. 600x P/E Palantir), Bank of England valuation worries, and the “inherent value” debate comparing Bitcoin, gilts, gold, stocks, and the rubber dinghy analogy.

22:30 Bitcoin treasury companies like Strategy: leverage worries, FUD every cycle, dividend buffers, and how traditional finance struggles to understand new Bitcoin-centric models.

25:06 Why straightforward Bitcoin exposure (on-chain or ETN) beats opaque corporate wrappers, plus the “vault vs engine/playpen” portfolio idea and where high-volatility crypto fits.

29:20 “Bitcoin is dead” headlines, missed early-adopter stories, on-chain whale and OG selling, 95% of Bitcoin mined, future halvings, and the long-term scarcity thesis.

35:23 Ongoing money printing, the Fed ending QT, expected liquidity tailwind into markets, and a hopeful close looking ahead to 2026 and the future of Bitcoin.

Keywords Bitcoin, cryptocurrency, digital assets, investing, financial regulation, FCA, market cycles, cryptocurrency investments, Mouthy Money podcast.

CONNECT WITH US

Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.

Want to listen to our regular episodes on the go? We’re on Spotify and Apple Podcasts:

🔗https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4u?si=0b1b07fa0e2a4dda 

🔗 https://podcasts.apple.com › podcast › mouthy-money

Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at ⁠⁠[email protected] ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate. 

The 2025 Budget has finally landed - Ed and Chris unpick three key areas you need to be aware of for your money and long-term wealth.

What’s your take on the big moves? Let us know in the comments. 👇

The announcements include big threshold freezes to income taxes and a sneaky student loan earnings threshold freeze. 

Savers have also been hit with hikes to dividend taxes, savings taxes and pension salary sacrifice allowances. 

Meanwhile the Cash ISA allowance cut has finally been confirmed, leaving savers less space to shelter their cash from tax.

And finally, the guys consider the implications of the new ‘mansion tax’ which will just make the already broken council tax system even worse, all while generating an embarrassingly small amount of money.

CONNECT WITH US

Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.

Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at ⁠⁠[email protected] ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate.

What does it mean to be “rich” in Britain in 2025?

In this episode of the Mouthy Money podcast, editor Edmund Greaves and co-host Chris Tuite examine how people in the UK think about wealth, why many don’t feel rich even on high incomes, and what this means for policy, politics and personal finances.

Drawing on recent research reported in The Times, they discuss why around 90% of people earning £100,000–£125,000 a year don’t consider themselves rich, and how cost of living pressures, inflation and stagnant wage growth have reshaped what “wealthy” feels like.

They contrast subjective feelings of comfort or precarity with objective indicators such as income, home ownership, pensions and savings.

SOURCES

Wealth report in the Times: https://www.thetimes.com/money/family-finances/article/what-it-takes-to-be-rich-in-britain-today-gxw3grh3f

IFS report on trends in income and wealth inequality: https://ifs.org.uk/publications/trends-income-and-wealth-inequalities 

Fairness Foundation on wealth inequality: https://acss.org.uk/wp-content/uploads//Wealth-inequality-and-growth-in-the-UK-policy-briefing-Nov-2025.pdf 

Kings College London report on wealth taxes:https://www.kcl.ac.uk/news/wealth-tax-rich-list-could-raise-billions 

‘The housing theory of everything’: https://worksinprogress.co/issue/the-housing-theory-of-everything/

CONNECT WITH US

Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.

Want to listen to our regular episodes on the go? We’re on Spotify and Apple Podcasts:

🔗https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4u?si=0b1b07fa0e2a4dda 

🔗 https://podcasts.apple.com › podcast › mouthy-money

Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at ⁠⁠[email protected] ⁠⁠

🔎 Keywords 

Mouthy Money podcast, UK wealth 2025, rich in Britain, cost of living crisis UK, wealth inequality UK, wealth gap, baby boomer wealth, inheritance, inheritance tax, wealth tax, top 1 percent, social mobility UK, squeezed middle, housing crisis UK, house prices, renting vs owning, pensions, intergenerational inequality, AI and jobs, future of work, personal debt UK, credit card debt, student overdraft, financial education, tax system UK, fiscal policy, neoliberalism, social contract, consumer choice, money mindset, financial security, Edmund Greaves, Chris Tuite.

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate.

For generations, owning a home has been at the heart of the British dream, the ultimate sign of financial success and stability. 

But in 2025, is property still the sure-fire investment it’s cracked up to be? 

In this episode of the Mouthy Money Podcast, hosts Edmund Greaves and Chris Tuite are joined by Marianna Hunt, Associate Director at Fidelity International, to dig into the numbers behind the nation’s love affair with bricks and mortar.

Marianna shares eye-opening new research revealing that UK property has lost money in real terms over the past few years when inflation is factored in. 

She explains why the old mantra of “my home is my pension” could leave people exposed and why a mix of pensions, ISAs, and global investments may be a smarter way to build long-term wealth.

Together, the trio explore how cultural attitudes, rising interest rates and shifting affordability have reshaped the property market. 

They also discuss the emotional side of home ownership, from the security it brings to the stress of tying up all your savings in one asset.

💬 In this episode:

• Why property isn’t the guaranteed win many believe

• How homeownership fits into a balanced financial plan

• The real returns on property vs global stocks

• Why Brits invest so little outside of housing

• Simple, practical tips for diversifying your money

If you’ve ever wondered whether buying a house is the best route to financial freedom, or if your “property-as-pension” plan still stacks up, this is essential listening for anyone thinking seriously about money, housing and their future.

⏱️ Chapters

00:00 - Intro

03:09 - Chris and Ed’s view of their properties

08:50 - The truth about property as an investment

12:45 - “My property is my pension”?

16:10 - Diversifying beyond bricks and mortar

19:50 - Why Brits love property so much

25:40 - Building a balanced financial plan

30:10 - Final thoughts

CONNECT WITH US

Thank you for watching our video! If you enjoyed this, please give it a LIKE, SHARE it with your friends, and SUBSCRIBE to our channel for more about money.

Discover more at https://www.mouthymoney.co.uk and subscribe to our weekly newsletter too.

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Or contact us at ⁠⁠[email protected] ⁠⁠

DISCLAIMER

This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠

Please note, video captions are auto-generated and may not be 100% accurate.