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

Brewdog is perhaps the poster child of the crowdfunding movement in the UK. Popularised under the ‘Equity for Punks’ schemes, after years of free beer cases one investor has now been left with a sour taste in his mouth.

Anthony Morrow, a respected founder, business owner and investor shares his experiences as a Brewdog crowdfunder and on other schemes such as burritos and Deliveroo.

He thinks that anyone thinking about the offer of crowdfunding should be very careful and aware of the drawbacks. 

Ed and Chris share their experiences too. Ed has invested at one time in the Monzo crowdfund campaign, but is still waiting to see if his ‘on paper’ gains come to fruition. Chris, meanwhile, has never crowdfunded but intends to invest in his local community pub when he gets the opportunity. 

The guys share their wider thoughts on whether crowdfunding is worthwhile, or if it is a way for companies to capture online audiences who think they have a stake in the business, only to be sold down the river by venture capitalists behind the scenes.

They also look at the wider implications for equity markets in the UK, including why initial public offerings (IPOs) aren’t necessarily a good time to buy, instead they should be understood as an exit point for successful founders and early-stage investors.

But ultimately, they agree that public and open investment markets are better for the health of businesses and private investors looking to their long-term portfolio growth.

Let us know what you think in the comments and don’t forget to like and subscribe for more about money and wealth!

CHAPTERS

00:00 Introduction

02:26 Brewdog a case study in crowdfunding

11:57 The risks and rewards of crowdfunding

16:13 IPOs and the realities of investing in public markets

23:12 the future of crowdfunding and investing in them

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.

It’s easy to be drawn into ideas that promise high returns and low effort or risk - but for the most part this is either deluded or a straightforward scam.

Pushing back against the more toxic types of online ‘hustle culture’ means redefining what our income is and how we use it to ensure long-term wealth growth. 

This means thinking of our income as an asset to be used, valued, nurtured and grown - instead of hoping for a miracle down the road.

A concept made famous by American financial influencers such as Dave Ramsey the idea that ‘income is your most valuable asset’ can help us to ensure we’re not then giving that asset away - be it through debt, overspending or bad investments.

Instead its about ensuring that your income is working as hard as possible to achieve your long-term goals. As our routine mantra on the podcast goes - this means making a plan and sticking to it. 

Let us know your thoughts in the comments. How do you ensure your income is working as hard as possible for your long-term future financial health?

00:00 Introduction to income as an asset

01:47 Understanding hustle culture

07:42 The philosophy behind income as an asset idea

09:37 Realistic wealth building strategies

13:37 Practical aspects of managing income

18:54 Stability and decision making with money

20:31 Celebrating small victories and continuous learning

TAKEAWAYS

-Income is an asset that should be leveraged for wealth.

-Simply earning income won't make you a millionaire.

-Establish a clear understanding of your income.

-Think strategically about using income for investments.

-Income should not just cover bills but build wealth.

-Long-term wealth requires active management of income.

-Investing income wisely is crucial for financial growth.

-Understanding income's role can change financial perspectives.

-Wealth building is a proactive process, not passive.

-Income management is key to financial success.

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 index-tracking passive funds too concentrated on US tech? Fears are rising that, thanks to the wild success of the so-called ‘Magnificent Seven’ tech stocks, investors in passive index funds are becoming over-exposed to a small number of equities.

We’re joined by Mohneet Dhir, co-founder of advice firm &together and former Vanguard Lifestrategy fund manager, to look at whether market concentration is a real concern and if investors can pick active funds to avoid the problem. 

Let us know in the comments what you think of the market concentration issue. Has it changed your investing plans? 

SHOW NOTES

You can find more about Mohneet and &together here:

https://and-together.co.uk/about-us/

Chapters

00:00 Introduction to Investment Strategies

02:57 Understanding Fund Management and Antogether

05:26 The Passive vs Active Investment Debate

11:02 Exploring Vanguard's Life Strategy Funds

16:28 Market Concentration and Its Implications

22:20 The Role of Fund Managers and Investment Selection

27:25 Navigating Investment Choices and Diversification

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 podcasts on the go? We’re on Spotify and Apple Podcasts:

🔗 https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4u

🔗 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! 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 index-tracking passive funds too concentrated on US tech? Fears are rising that, thanks to the wild success of the so-called ‘Magnificent Seven’ tech stocks, investors in passive index funds are becoming over-exposed to a small number of equities.

We’re joined by Mohneet Dhir, co-founder of advice firm &together and former Vanguard Lifestrategy fund manager, to look at whether market concentration is a real concern and if investors can pick active funds to avoid the problem. 

Let us know in the comments what you think of the market concentration issue. Has it changed your investing plans? 

SHOW NOTES

You can find more about Mohneet and &together here:

https://and-together.co.uk/about-us/

Chapters

00:00 Introduction to Investment Strategies

02:57 Understanding Fund Management and Antogether

05:26 The Passive vs Active Investment Debate

11:02 Exploring Vanguard's Life Strategy Funds

16:28 Market Concentration and Its Implications

22:20 The Role of Fund Managers and Investment Selection

27:25 Navigating Investment Choices and Diversification

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! 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.

Mouthy Money speaks exclusively to one of the world’s major bitcoin ETN providers on launching back to the UK retail crypto market after the FCA ban lifts. 

21Shares manages $80 billion of crypto assets including bitcoin and ethereum. 

Duncan Moir, president at 21Shares, talks to Ed and Chris about the lifting of the crypto ETN ban in the UK including:

-What to expect now the ban has lifted

-How 21shares crypto ETNs work

-Where to buy and hold bitcoin ETNs in the UK

-Why some platforms are dragging their feet over listing bitcoin ETNs

-Whether they’ll be available in ISAs and pensions

Are you planning on holding bitcoin ETNs in your portfolio now they’ve been approved for retail investors? Let us know in the comments, we’re always keen to hear from our community!

SHOW NOTES

Find out more about 21Shares on their website:

https://www.21shares.com/en-eu

Chapters

00:00 Introduction to Bitcoin and Market Changes

02:01 The Lifting of the Ban on Crypto ETNs

05:32 Understanding Crypto ETNs and Their Benefits

10:56 Market Demand and Consumer Interest in Crypto ETNs

16:13 Platforms for Trading Crypto ETNs

21:31 Tax Implications and Investment Accounts for Crypto ETNs

27:17 The Future of Bitcoin and Investment Strategies

Bitcoin, ETNs, cryptocurrency, investment, regulation, UK market, Duncan Moir, 21 Shares, financial advice, crypto security, ISAs, pensions, cryptoassets

JOIN OUR COMMUNITY

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.

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

Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! 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

Investing can be an emotional process. Especially because it is your money at stake. 

Markets are at a strange juncture too - with rumours of AI bubbles, gold soaring and bitcoin hitting all-time highs. It is easy to be swept up by euphoria, or scared into making mistakes. 

But what if there was a way to take all the human emotions out of it?

We’re joined this week by Stratiphy founder Daniel Gold to talk about his solution to this problem - quantitative or ‘quant’ investing for the masses.

Typically the preserve of billion dollar investment banks, Stratiphy allows investors to use mathematical, AI and data-driven investment methods that disregard emotion-led decisions and focus on the numbers.

We want to know what you think too. Do you pore over company results? Do you let your heart make the decisions and let your head figure it out later? Let us know your investment style in the comments. 

SHOW NOTES

You can find more about Stratiphy here:

https://www.stratiphy.io/

And download their app here:

App Store

https://apps.apple.com/gb/app/stratiphy/id1550112891

Google Play

https://play.google.com/store/apps/details?id=io.stratiphy.app

You can also find out about Stratiphy’s own crowdfunding campaign, mentioned by Daniel, here:

https://www.crowdcube.com/early-access/stratiphy25

Chapters

00:00 Introduction to the Podcast and Guests

01:00 Understanding Quantitative Investing

03:00 Market Overview: Head vs. Heart in Investing

08:53 Exploring Quantitative vs. Fundamental Investing

11:08 Stratify: Making Quant Investing Accessible

13:49 Long-Term Wealth Generation with Stratify

17:00 The Role of Data in Investment Strategies

19:00 Investment Options and Partnerships

20:42 Understanding User Preferences in Investing

23:03 Performance in Bear Markets and Economic Downturns

29:47 Fees and Accessibility of Stratify

32:41 Conclusion and 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!

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

https://open.spotify.com/show/72bQEJnPAWJprmy0B9Yy4u

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! 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

Not everyone gets help from their parents when they start out in life. From building a safety net or ‘rainy day fund’ to cobbling together a house deposit - many have to scrimp and save in order to achieve their early goals.

We’re delighted this week to be joined by HMRC’s Emma Ferris to help us dig into getting started with saving. Emma explains to Chris and Ed how the Help to Save scheme works, who it is available for and what to expect. 

Plus, the hosts both talk about their own experiences ‘starting from zero’ some of the things they’ve learned and mistakes they made along the way.

Let us know how you got started in life, we’d love to hear how people began their long-term savings journey!

SHOW NOTES

For more information on the UK Government’s Help to Save scheme please visit:

https://www.gov.uk/get-help-savings-low-income

Or on the HMRC app:

https://www.gov.uk/guidance/download-the-hmrc-app

Chapters

00:00 Starting from Zero: Personal Financial Journeys

06:06 Understanding Help to Save Scheme

14:50 Building Financial Resilience and Habits

18:46 The Importance of Saving and Planning for the Future

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! 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

When does your money start working harder than you?

Renowned investor Charlie Munger once said that saving the first 100k of wealth was the hardest part. After that, the ‘tipping point’ meant interest earned would make future compounding ever easier. 

In our latest episode, Chris considers his family’s own wealth tipping point and how he calculated it. 

Plus Ed asks some searching questions over whether the concept of a wealth tipping point really can work for everyone. 

Do you find the concept of a wealth tipping point? Has it galvanised your efforts to hit the magic number? Let us know in the comments.

SHOW NOTES

Chapters

00:00 Introduction to the Tipping Point Concept

01:08 Understanding Compound Interest and Its Importance

04:28 The Role of Passive Income in Investments

08:25 Calculating Your Tipping Point

11:15 Practical Considerations for Reaching Your Tipping Point

14:12 What to Do After Hitting the Tipping Point

19:16 Cautions and Psychological Aspects of Investment

22:23 Final Thoughts on Investment Strategies

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! 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

With economic storm clouds on the horizon and Governments printing their money into oblivion, Mouthy Money podcast host Edmund Greaves is taking a big step with his pension investing - he’s getting into gold and maybe bitcoin too. He explains to co-host Chris Tuite why he’s allocating some of his money into gold as a hedge against the economic malaise, why he’s considering physical bullion and where bitcoin could now slot into his defensive plans when it becomes available again in the UK after 8th October. We want your views on Edmund’s choices. Is gold a good place to be? Or should he be in bitcoin as the world’s most modern alternative asset? Let us know in the comments, and don’t forget to like and subscribe for more.See our past bitcoin chat with Daniel Parkinson (referenced in the video) here: https://youtu.be/djYpGxGMVLA?si=zlmNm6qcKYMo3Df6 SHOW NOTESChapters00:00 Introduction and Current Economic Climate02:49 Investment Strategies: Gold vs. Bitcoin05:32 The Case for Gold as a Safe Haven10:54 Exploring Bitcoin as an Alternative Investment16:42 Final Thoughts on Diversification and Risk ManagementSound Bites"Is gold the only safe haven?""Gold is the oldest asset in history.""It's about having skin in the game."CONNECT WITH USThank 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 tooHave questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at ⁠⁠[email protected]⁠⁠DISCLAIMERThis 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

What would happen if your salary suddenly stopped? Most ofus live month-to-month on our pay, but few have a real safety net. In this episode, Edmund Greaves and Chris Tuite (MRM) sit down with Dale North, CEO of Pure Protect, to demystify the world of “protection”: life cover, critical illness, income protection, and family income benefit.

We talk about the shocking reality that the average incomeprotection claims tend to last months and years, not weeks. How COVID changed the way people think about fragility of their income. The reality around claims payouts and why you should review your protection cover every two years and notjust set and forget.

Packed with real client stories and practical examples, thisepisode is a clear roadmap to building a contingency plan your family will thank you for.

Chapters:
00:00 What if your pay stopped tomorrow?
01:20 What “protection” really means
03:36 Why mortgages trigger protection conversations
06:53 The shocking stat on income protection claims
09:35 COVID and the fragility of income
12:38 Making cover affordable
13:13 Family Income Benefit explained
15:32 Real client stories of protection in action
16:21 Do insurers really pay?
20:12 Costs, commissions, and affordability
26:34 Two incomes, unequal risk
27:05 The advice journey and underwriting
33:08 Don’t set & forget: reviews matter
36:00 Trusts: faster payouts, fewer headaches
38:18 Wrap-up & actions

SHOW NOTES

Visit Pure Protect at pureprotect.co.uk

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/ andsubscribe to our weekly newsletter too
Have questions or suggestions? Drop them in the comments below - we’d love to hear from you! Contact us at ⁠⁠[email protected]⁠⁠

DISCLAIMERThis 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 aregulated 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 canafford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠