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    <title>Investing Unlocked</title>
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    <description>Investing Unlocked is a smart, straight-talking podcast that decodes the jargon for people who want to make more of their money and understand what really drives investment performance.

Join Georgie Frost, multi-award-winning financial broadcaster, with regular guest Simon Lambert, alongside an impressive lineup of leading financial experts, as they go beyond the latest finance stories to explore the building blocks of investing, the behaviour behind it, the history that shaped it, and the big ideas influencing what happens next.

As investing moves to the centre of financial life in 2026, the show invites in the people traditional finance has left behind.

Investing Unlocked is sponsored by PensionBee.</description>
    <copyright>© 2026 Georgie Frost</copyright>
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    <podcast:trailer pubdate="Wed, 04 Mar 2026 12:00:00 +0000" url="https://media.transistor.fm/db865e50/85ebec89.mp3" length="1059145" type="audio/mpeg">Introducing Investing Unlocked with Georgie Frost | Series Trailer</podcast:trailer>
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    <pubDate>Wed, 24 Jun 2026 16:03:39 +0100</pubDate>
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    <itunes:author>Georgie Frost</itunes:author>
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    <itunes:summary>Investing Unlocked is a smart, straight-talking podcast that decodes the jargon for people who want to make more of their money and understand what really drives investment performance.

Join Georgie Frost, multi-award-winning financial broadcaster, with regular guest Simon Lambert, alongside an impressive lineup of leading financial experts, as they go beyond the latest finance stories to explore the building blocks of investing, the behaviour behind it, the history that shaped it, and the big ideas influencing what happens next.

As investing moves to the centre of financial life in 2026, the show invites in the people traditional finance has left behind.

Investing Unlocked is sponsored by PensionBee.</itunes:summary>
    <itunes:subtitle>Investing Unlocked is a smart, straight-talking podcast that decodes the jargon for people who want to make more of their money and understand what really drives investment performance.</itunes:subtitle>
    <itunes:keywords>Investing Unlocked, Georgie Frost, Simon Lambert, investing misconceptions, financial decisions, market concentration, fear of loss, pension schemes, long-term financial well-being, investment principles, inflation, investment psychology, loss aversion, cash balances, market timing, investment strategies, exchange-traded funds, global index funds, AI market bubble, investment risks, diversification, financial media, investment fees, risk tolerance, automation in investing, DIY investing, market volatility, behavioral finance, investment mindset, financial literacy, UK stock market, US tech giants, investment opportunities, compound growth, emotional investing, cryptocurrency risks, gender disparities in investing, cultural attitudes towards investing, investment research, sustainable operations, shareholder payouts, market signals, active vs. passive investing, low-cost tracker funds, compounding growth, swings and roundabouts, financial press, misinformation, investing habits, long-term investment project, investment resources, The Truth About Investing.</itunes:keywords>
    <itunes:owner>
      <itunes:name>Georgie Frost</itunes:name>
      <itunes:email>info@podshoponline.co.uk</itunes:email>
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    <itunes:complete>No</itunes:complete>
    <itunes:explicit>No</itunes:explicit>
    <item>
      <title>Trading vs Investing: Where Should You Put Your Money? (with Michael Taylor)</title>
      <itunes:episode>16</itunes:episode>
      <podcast:episode>16</podcast:episode>
      <itunes:title>Trading vs Investing: Where Should You Put Your Money? (with Michael Taylor)</itunes:title>
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        <![CDATA[<p>Making money through investing takes time. Trading promises to do it fast. At least, that's what social media wants you to believe.</p><p>So, can you actually make money trading – or is it a near-guaranteed way to lose it all? </p><p>In this episode of <em>Investing Unlocked</em>, <strong>Georgie Frost </strong>and <strong>Rick Kelsey</strong> sit down with professional trader <strong>Michael Taylor</strong> – better known as <em>Shifting Shares</em> – to explore why most traders lose money, and what separates the ones who don't. </p><p>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.</p><p>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.</p><p><em>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.</em></p><p>Please remember: this podcast is for information and educational purposes only and does not constitute financial advice.<br>Capital is at risk.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video podcast. </p><p><strong>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><strong>TikTok</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.tiktok.com/@investing.unlocked<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: l<a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">inkedin.com/in/georgie-frost-a1b090110</a></p><p><strong>Rick Kelsey</strong><br>Instagram: https://www.instagram.com/rickkelsey/<br>LinkedIn: https://www.linkedin.com/in/rickkelsey/</p><p><strong>Michael Taylor</strong><br>Instagram: https://www.instagram.com/shiftingshares<br>LinkedIn: https://uk.linkedin.com/in/michael-taylor-27bb295b</p>]]>
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        <![CDATA[<p>Making money through investing takes time. Trading promises to do it fast. At least, that's what social media wants you to believe.</p><p>So, can you actually make money trading – or is it a near-guaranteed way to lose it all? </p><p>In this episode of <em>Investing Unlocked</em>, <strong>Georgie Frost </strong>and <strong>Rick Kelsey</strong> sit down with professional trader <strong>Michael Taylor</strong> – better known as <em>Shifting Shares</em> – to explore why most traders lose money, and what separates the ones who don't. </p><p>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.</p><p>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.</p><p><em>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.</em></p><p>Please remember: this podcast is for information and educational purposes only and does not constitute financial advice.<br>Capital is at risk.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video podcast. </p><p><strong>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><strong>TikTok</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.tiktok.com/@investing.unlocked<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: l<a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">inkedin.com/in/georgie-frost-a1b090110</a></p><p><strong>Rick Kelsey</strong><br>Instagram: https://www.instagram.com/rickkelsey/<br>LinkedIn: https://www.linkedin.com/in/rickkelsey/</p><p><strong>Michael Taylor</strong><br>Instagram: https://www.instagram.com/shiftingshares<br>LinkedIn: https://uk.linkedin.com/in/michael-taylor-27bb295b</p>]]>
      </content:encoded>
      <pubDate>Wed, 24 Jun 2026 16:00:00 +0100</pubDate>
      <author>Georgie Frost</author>
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      <itunes:author>Georgie Frost</itunes:author>
      <itunes:duration>2837</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Making money through investing takes time. Trading promises to do it fast. At least, that's what social media wants you to believe.</p><p>So, can you actually make money trading – or is it a near-guaranteed way to lose it all? </p><p>In this episode of <em>Investing Unlocked</em>, <strong>Georgie Frost </strong>and <strong>Rick Kelsey</strong> sit down with professional trader <strong>Michael Taylor</strong> – better known as <em>Shifting Shares</em> – to explore why most traders lose money, and what separates the ones who don't. </p><p>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.</p><p>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.</p><p><em>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.</em></p><p>Please remember: this podcast is for information and educational purposes only and does not constitute financial advice.<br>Capital is at risk.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video podcast. </p><p><strong>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><strong>TikTok</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.tiktok.com/@investing.unlocked<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: l<a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">inkedin.com/in/georgie-frost-a1b090110</a></p><p><strong>Rick Kelsey</strong><br>Instagram: https://www.instagram.com/rickkelsey/<br>LinkedIn: https://www.linkedin.com/in/rickkelsey/</p><p><strong>Michael Taylor</strong><br>Instagram: https://www.instagram.com/shiftingshares<br>LinkedIn: https://uk.linkedin.com/in/michael-taylor-27bb295b</p>]]>
      </itunes:summary>
      <itunes:keywords>investing, trading, financial freedom, trading psychology, risks of trading, leverage, contracts for difference, CFDs, spread betting, UK small-cap stocks, trading platforms, trading fees, trading strategies, trading mistakes, emotional resilience, market research, tax implications, trading lifestyle, social media influence, trading community, investment strategies, trading philosophy, financial advice, risk management, trading regulations, trading misconceptions, personal finance, trading education, market analysis, behavioural finance, investment vehicles, stocks and shares ISA.</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
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    <item>
      <title>SpaceX, the World Cup &amp; the Business of Belief </title>
      <itunes:episode>15</itunes:episode>
      <podcast:episode>15</podcast:episode>
      <itunes:title>SpaceX, the World Cup &amp; the Business of Belief </itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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        <![CDATA[<p>SpaceX's IPO. The World Cup. Two of the biggest events on the planet right now.</p><p>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?</p><p>In this episode of <em>Investing Unlocked Extra</em>, <strong>Georgie Frost</strong> is joined by Economics Editor at <em>Investors' Chronicle</em>, <strong>Hermione Taylor</strong>, to explore the economics behind two global phenomena.</p><p>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?</p><p>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?</p><p>A conversation about hype, scarcity, storytelling and what happens when excitement becomes an asset.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video podcast. </p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: l<a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">inkedin.com/in/georgie-frost-a1b090110</a></p><p><br><strong>Hermione Taylor</strong><br>LinkedIn: <a href="https://www.linkedin.com/in/sarah-coles-720b2113/">linkedin.com/in/hermione-taylor</a></p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>SpaceX's IPO. The World Cup. Two of the biggest events on the planet right now.</p><p>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?</p><p>In this episode of <em>Investing Unlocked Extra</em>, <strong>Georgie Frost</strong> is joined by Economics Editor at <em>Investors' Chronicle</em>, <strong>Hermione Taylor</strong>, to explore the economics behind two global phenomena.</p><p>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?</p><p>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?</p><p>A conversation about hype, scarcity, storytelling and what happens when excitement becomes an asset.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video podcast. </p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: l<a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">inkedin.com/in/georgie-frost-a1b090110</a></p><p><br><strong>Hermione Taylor</strong><br>LinkedIn: <a href="https://www.linkedin.com/in/sarah-coles-720b2113/">linkedin.com/in/hermione-taylor</a></p>]]>
      </content:encoded>
      <pubDate>Wed, 17 Jun 2026 16:00:00 +0100</pubDate>
      <author>Georgie Frost</author>
      <enclosure url="https://media.transistor.fm/95dd2736/6864c484.mp3" length="23736695" type="audio/mpeg"/>
      <itunes:author>Georgie Frost</itunes:author>
      <itunes:duration>1439</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>SpaceX's IPO. The World Cup. Two of the biggest events on the planet right now.</p><p>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?</p><p>In this episode of <em>Investing Unlocked Extra</em>, <strong>Georgie Frost</strong> is joined by Economics Editor at <em>Investors' Chronicle</em>, <strong>Hermione Taylor</strong>, to explore the economics behind two global phenomena.</p><p>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?</p><p>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?</p><p>A conversation about hype, scarcity, storytelling and what happens when excitement becomes an asset.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video podcast. </p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: l<a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">inkedin.com/in/georgie-frost-a1b090110</a></p><p><br><strong>Hermione Taylor</strong><br>LinkedIn: <a href="https://www.linkedin.com/in/sarah-coles-720b2113/">linkedin.com/in/hermione-taylor</a></p>]]>
      </itunes:summary>
      <itunes:keywords>SpaceX, World Cup, World Cup investment, SpaceX investment, World Cup economics, </itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Is Now the Time to Invest in the UK Stock Market? – with Clive Beagles</title>
      <itunes:episode>14</itunes:episode>
      <podcast:episode>14</podcast:episode>
      <itunes:title>Is Now the Time to Invest in the UK Stock Market? – with Clive Beagles</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">a889b504-f2fe-4379-afb5-8730c3824410</guid>
      <link>https://share.transistor.fm/s/7965b34d</link>
      <description>
        <![CDATA[<p><br>The UK stock market has been described as cheap, undervalued and out of favour for years. But according to <strong>Clive Beagles</strong>, the real story is far more alarming: at the current rate of takeovers, the UK could have no stock market left in ten years.</p><p>So is it time to back Britain – or is it already too late?</p><p>In this episode of <em>Investing Unlocked</em>,<strong> Georgie Frost</strong> and <strong>Simon Lambert</strong> talk to <strong>Clive Beagles</strong> – Senior Fund Manager at <em>J O Hambro Capital Management</em> – to make sense of why one of the world's oldest stock markets is sleepwalking towards irrelevance.</p><p><br>They get into the<em> "Cool Britannia"</em> 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.</p><p><br>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.</p><p>Please remember: this podcast is for information and educational purposes only and does not constitute financial advice.<br>Capital is at risk.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video podcast. </p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: l<a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">inkedin.com/in/georgie-frost-a1b090110</a></p><p><strong>Clive Beagles</strong><br>LinkedIn: https://www.linkedin.com/in/clive-beagles-1742321a6/</p><p><br></p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p><br>The UK stock market has been described as cheap, undervalued and out of favour for years. But according to <strong>Clive Beagles</strong>, the real story is far more alarming: at the current rate of takeovers, the UK could have no stock market left in ten years.</p><p>So is it time to back Britain – or is it already too late?</p><p>In this episode of <em>Investing Unlocked</em>,<strong> Georgie Frost</strong> and <strong>Simon Lambert</strong> talk to <strong>Clive Beagles</strong> – Senior Fund Manager at <em>J O Hambro Capital Management</em> – to make sense of why one of the world's oldest stock markets is sleepwalking towards irrelevance.</p><p><br>They get into the<em> "Cool Britannia"</em> 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.</p><p><br>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.</p><p>Please remember: this podcast is for information and educational purposes only and does not constitute financial advice.<br>Capital is at risk.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video podcast. </p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: l<a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">inkedin.com/in/georgie-frost-a1b090110</a></p><p><strong>Clive Beagles</strong><br>LinkedIn: https://www.linkedin.com/in/clive-beagles-1742321a6/</p><p><br></p>]]>
      </content:encoded>
      <pubDate>Wed, 10 Jun 2026 16:00:00 +0100</pubDate>
      <author>Georgie Frost</author>
      <enclosure url="https://media.transistor.fm/7965b34d/ad9eabf4.mp3" length="118808279" type="audio/mpeg"/>
      <itunes:author>Georgie Frost</itunes:author>
      <itunes:duration>2955</itunes:duration>
      <itunes:summary>
        <![CDATA[<p><br>The UK stock market has been described as cheap, undervalued and out of favour for years. But according to <strong>Clive Beagles</strong>, the real story is far more alarming: at the current rate of takeovers, the UK could have no stock market left in ten years.</p><p>So is it time to back Britain – or is it already too late?</p><p>In this episode of <em>Investing Unlocked</em>,<strong> Georgie Frost</strong> and <strong>Simon Lambert</strong> talk to <strong>Clive Beagles</strong> – Senior Fund Manager at <em>J O Hambro Capital Management</em> – to make sense of why one of the world's oldest stock markets is sleepwalking towards irrelevance.</p><p><br>They get into the<em> "Cool Britannia"</em> 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.</p><p><br>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.</p><p>Please remember: this podcast is for information and educational purposes only and does not constitute financial advice.<br>Capital is at risk.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video podcast. </p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: l<a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">inkedin.com/in/georgie-frost-a1b090110</a></p><p><strong>Clive Beagles</strong><br>LinkedIn: https://www.linkedin.com/in/clive-beagles-1742321a6/</p><p><br></p>]]>
      </itunes:summary>
      <itunes:keywords>UK stock market, Clive Beagle, Georgie Frost, Simon Lambert, J.O. Hambro Capital Management, UK equity income fund, Cool Britannia, undervalued market, US market comparison, political uncertainty, investor confidence, FTSE 100, FTSE 250, market ranking, media negativity, economic climate, consumer confidence, value investing, growth investing, interest rates, takeovers, share prices, employee share ownership, passive investing, government intervention, pension fund allocations, UK equities, dividends, total return, investment opportunities, structural issues, tax policy, Enterprise Investment Scheme, Seed Enterprise Investment Scheme, market sentiment, diversified portfolio, online investment platforms, mid-cap stocks, small-cap stocks, financial press, economic forecasts, cash balances, investment strategies, economic recovery, long-term returns.</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>ISA Shake-Up: What the Latest Changes Mean for Your Money</title>
      <itunes:episode>13</itunes:episode>
      <podcast:episode>13</podcast:episode>
      <itunes:title>ISA Shake-Up: What the Latest Changes Mean for Your Money</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">0f11cc8e-8ba5-401c-8667-ca0dbebe3679</guid>
      <link>https://share.transistor.fm/s/432b0464</link>
      <description>
        <![CDATA[<p>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.</p><p>In this episode of <em>Investing Unlocked Extra</em>, <strong>Georgie Frost</strong> is joined by <strong>Sarah Coles</strong>, 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.</p><p>They discuss:</p><p>• Why the government is changing Cash ISAs<br> • Whether the reforms will actually encourage more investing<br> • The speculation around taxing cash held within Stocks &amp; Shares ISAs<br> • What happens to transfers between Cash and Stocks &amp; Shares ISAs under the new rules<br> • Why flexibility matters when it comes to saving and investing<br> • Whether higher taxes on savings, dividends and capital gains signal a wider shift in UK wealth taxation</p><p><br>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.</p><p>If you're wondering how the ISA landscape is changing — and what it could mean for your financial future — this episode is essential listening.</p><p>Please remember: this podcast is for information and educational purposes only and does not constitute financial advice. <br>Capital is at risk.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video podcast. </p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: l<a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">inkedin.com/in/georgie-frost-a1b090110</a></p><p><br><strong>Sarah Coles</strong><br>LinkedIn: <a href="https://www.linkedin.com/in/sarah-coles-720b2113/">linkedin.com/in/sarah-coles-720b2113</a></p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>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.</p><p>In this episode of <em>Investing Unlocked Extra</em>, <strong>Georgie Frost</strong> is joined by <strong>Sarah Coles</strong>, 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.</p><p>They discuss:</p><p>• Why the government is changing Cash ISAs<br> • Whether the reforms will actually encourage more investing<br> • The speculation around taxing cash held within Stocks &amp; Shares ISAs<br> • What happens to transfers between Cash and Stocks &amp; Shares ISAs under the new rules<br> • Why flexibility matters when it comes to saving and investing<br> • Whether higher taxes on savings, dividends and capital gains signal a wider shift in UK wealth taxation</p><p><br>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.</p><p>If you're wondering how the ISA landscape is changing — and what it could mean for your financial future — this episode is essential listening.</p><p>Please remember: this podcast is for information and educational purposes only and does not constitute financial advice. <br>Capital is at risk.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video podcast. </p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: l<a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">inkedin.com/in/georgie-frost-a1b090110</a></p><p><br><strong>Sarah Coles</strong><br>LinkedIn: <a href="https://www.linkedin.com/in/sarah-coles-720b2113/">linkedin.com/in/sarah-coles-720b2113</a></p>]]>
      </content:encoded>
      <pubDate>Wed, 03 Jun 2026 16:00:00 +0100</pubDate>
      <author>Georgie Frost</author>
      <enclosure url="https://media.transistor.fm/432b0464/0deb7999.mp3" length="25762841" type="audio/mpeg"/>
      <itunes:author>Georgie Frost</itunes:author>
      <itunes:duration>1385</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>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.</p><p>In this episode of <em>Investing Unlocked Extra</em>, <strong>Georgie Frost</strong> is joined by <strong>Sarah Coles</strong>, 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.</p><p>They discuss:</p><p>• Why the government is changing Cash ISAs<br> • Whether the reforms will actually encourage more investing<br> • The speculation around taxing cash held within Stocks &amp; Shares ISAs<br> • What happens to transfers between Cash and Stocks &amp; Shares ISAs under the new rules<br> • Why flexibility matters when it comes to saving and investing<br> • Whether higher taxes on savings, dividends and capital gains signal a wider shift in UK wealth taxation</p><p><br>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.</p><p>If you're wondering how the ISA landscape is changing — and what it could mean for your financial future — this episode is essential listening.</p><p>Please remember: this podcast is for information and educational purposes only and does not constitute financial advice. <br>Capital is at risk.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video podcast. </p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: l<a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">inkedin.com/in/georgie-frost-a1b090110</a></p><p><br><strong>Sarah Coles</strong><br>LinkedIn: <a href="https://www.linkedin.com/in/sarah-coles-720b2113/">linkedin.com/in/sarah-coles-720b2113</a></p>]]>
      </itunes:summary>
      <itunes:keywords>ISA, Cash ISA</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>How to Build Real Wealth for Your Kids – with Claer Barrett</title>
      <itunes:episode>12</itunes:episode>
      <podcast:episode>12</podcast:episode>
      <itunes:title>How to Build Real Wealth for Your Kids – with Claer Barrett</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">324b50f8-34b5-4fd8-9001-b9c02b70fa2f</guid>
      <link>https://share.transistor.fm/s/c21acc61</link>
      <description>
        <![CDATA[<p>What if the greatest financial gift you could give your child isn't a savings account? It’s timing. </p><p>In this episode of <em>Investing Unlocked</em>, <strong>Georgie Frost</strong> and <strong>Rick Kelsey</strong> sit down with <strong>Claer Barrett</strong> – FT consumer editor, money expert and author of the bestselling <em>What They Don't Teach You About Money</em> – to make the case for investing for kids, and explain exactly how to do it.</p><p>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.</p><p>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.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version</p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: l<a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">inkedin.com/in/georgie-frost-a1b090110</a></p><p><br></p><p><strong>Rick Kelsey</strong></p><p>Instagram: https://www.instagram.com/rickkelsey/?hl=en-gb</p><p>LinkedIn: linkedin.com/in/rickkelsey</p><p><strong>Claer Barrett</strong><br>Instagram: https://www.instagram.com/claerb/?hl=en<br>LinkedIn: linkedin.com/in/claer-barrett-74088414</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>What if the greatest financial gift you could give your child isn't a savings account? It’s timing. </p><p>In this episode of <em>Investing Unlocked</em>, <strong>Georgie Frost</strong> and <strong>Rick Kelsey</strong> sit down with <strong>Claer Barrett</strong> – FT consumer editor, money expert and author of the bestselling <em>What They Don't Teach You About Money</em> – to make the case for investing for kids, and explain exactly how to do it.</p><p>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.</p><p>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.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version</p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: l<a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">inkedin.com/in/georgie-frost-a1b090110</a></p><p><br></p><p><strong>Rick Kelsey</strong></p><p>Instagram: https://www.instagram.com/rickkelsey/?hl=en-gb</p><p>LinkedIn: linkedin.com/in/rickkelsey</p><p><strong>Claer Barrett</strong><br>Instagram: https://www.instagram.com/claerb/?hl=en<br>LinkedIn: linkedin.com/in/claer-barrett-74088414</p>]]>
      </content:encoded>
      <pubDate>Wed, 27 May 2026 17:05:28 +0100</pubDate>
      <author>Georgie Frost</author>
      <enclosure url="https://media.transistor.fm/c21acc61/9a52ea6b.mp3" length="111972559" type="audio/mpeg"/>
      <itunes:author>Georgie Frost</itunes:author>
      <itunes:duration>2783</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>What if the greatest financial gift you could give your child isn't a savings account? It’s timing. </p><p>In this episode of <em>Investing Unlocked</em>, <strong>Georgie Frost</strong> and <strong>Rick Kelsey</strong> sit down with <strong>Claer Barrett</strong> – FT consumer editor, money expert and author of the bestselling <em>What They Don't Teach You About Money</em> – to make the case for investing for kids, and explain exactly how to do it.</p><p>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.</p><p>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.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version</p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: l<a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">inkedin.com/in/georgie-frost-a1b090110</a></p><p><br></p><p><strong>Rick Kelsey</strong></p><p>Instagram: https://www.instagram.com/rickkelsey/?hl=en-gb</p><p>LinkedIn: linkedin.com/in/rickkelsey</p><p><strong>Claer Barrett</strong><br>Instagram: https://www.instagram.com/claerb/?hl=en<br>LinkedIn: linkedin.com/in/claer-barrett-74088414</p>]]>
      </itunes:summary>
      <itunes:keywords>Junior ISAs, investing for kids, personal finance, inflation, money management, financial education, long-term growth, tax advantages, savings vs. investing, contributions from grandparents, investment accounts, cash accounts, stock market, financial planning, wealth building, financial literacy, automation of contributions, pound-cost averaging, teaching kids about money, fees on Junior ISAs, investment strategies, financial security, family contributions, financial habits, critical thinking in finance, money conversations, investment risks, market volatility, financial goals, Junior SIPPs, retirement planning, youth investments, money gifts, investment growth, children's savings, financial responsibility.</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Why Rising Gilt Yields Matter – with Cherry Reynard</title>
      <itunes:episode>11</itunes:episode>
      <podcast:episode>11</podcast:episode>
      <itunes:title>Why Rising Gilt Yields Matter – with Cherry Reynard</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">add35f17-a96c-4d86-8e4d-6b3ac23c397b</guid>
      <link>https://share.transistor.fm/s/79066b84</link>
      <description>
        <![CDATA[<p>UK government borrowing costs have climbed to their highest levels in decades – and suddenly the bond market is back in focus.</p><p>In this episode of <em>Investing Unlocked Extra</em>, <strong>Georgie Frost</strong> is joined by author and award-winning investment journalist <strong>Cherry Reynard</strong> 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.</p><p>They discuss:</p><ul><li>What gilts actually are – and why they matter</li><li>Why rising yields affect mortgage rates and borrowing costs</li><li>Whether this is another “Liz Truss moment”</li><li>The role of inflation, energy prices and political instability</li><li>Why bond markets care so much about fiscal credibility</li><li>Whether UK government debt is becoming a problem</li><li>How gilts show up in pensions and investments</li><li>Whether bonds are actually attractive again for investors</li></ul><p>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.</p><p>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.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br></p><p><strong>To hear more from us:<br></strong><br><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version<br><strong>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/</a></p><p><strong>Georgie Frost <br></strong>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a><br>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>UK government borrowing costs have climbed to their highest levels in decades – and suddenly the bond market is back in focus.</p><p>In this episode of <em>Investing Unlocked Extra</em>, <strong>Georgie Frost</strong> is joined by author and award-winning investment journalist <strong>Cherry Reynard</strong> 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.</p><p>They discuss:</p><ul><li>What gilts actually are – and why they matter</li><li>Why rising yields affect mortgage rates and borrowing costs</li><li>Whether this is another “Liz Truss moment”</li><li>The role of inflation, energy prices and political instability</li><li>Why bond markets care so much about fiscal credibility</li><li>Whether UK government debt is becoming a problem</li><li>How gilts show up in pensions and investments</li><li>Whether bonds are actually attractive again for investors</li></ul><p>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.</p><p>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.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br></p><p><strong>To hear more from us:<br></strong><br><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version<br><strong>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/</a></p><p><strong>Georgie Frost <br></strong>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a><br>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p>]]>
      </content:encoded>
      <pubDate>Wed, 20 May 2026 16:00:00 +0100</pubDate>
      <author>Georgie Frost</author>
      <enclosure url="https://media.transistor.fm/79066b84/56008875.mp3" length="20615992" type="audio/mpeg"/>
      <itunes:author>Georgie Frost</itunes:author>
      <itunes:duration>1192</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>UK government borrowing costs have climbed to their highest levels in decades – and suddenly the bond market is back in focus.</p><p>In this episode of <em>Investing Unlocked Extra</em>, <strong>Georgie Frost</strong> is joined by author and award-winning investment journalist <strong>Cherry Reynard</strong> 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.</p><p>They discuss:</p><ul><li>What gilts actually are – and why they matter</li><li>Why rising yields affect mortgage rates and borrowing costs</li><li>Whether this is another “Liz Truss moment”</li><li>The role of inflation, energy prices and political instability</li><li>Why bond markets care so much about fiscal credibility</li><li>Whether UK government debt is becoming a problem</li><li>How gilts show up in pensions and investments</li><li>Whether bonds are actually attractive again for investors</li></ul><p>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.</p><p>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.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br></p><p><strong>To hear more from us:<br></strong><br><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version<br><strong>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/</a></p><p><strong>Georgie Frost <br></strong>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a><br>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p>]]>
      </itunes:summary>
      <itunes:keywords>Investing Unlocked, Georgie Frost, Simon Lambert, investing misconceptions, financial decisions, market concentration, fear of loss, pension schemes, long-term financial well-being, investment principles, inflation, investment psychology, loss aversion, cash balances, market timing, investment strategies, exchange-traded funds, global index funds, AI market bubble, investment risks, diversification, financial media, investment fees, risk tolerance, automation in investing, DIY investing, market volatility, behavioral finance, investment mindset, financial literacy, UK stock market, US tech giants, investment opportunities, compound growth, emotional investing, cryptocurrency risks, gender disparities in investing, cultural attitudes towards investing, investment research, sustainable operations, shareholder payouts, market signals, active vs. passive investing, low-cost tracker funds, compounding growth, swings and roundabouts, financial press, misinformation, investing habits, long-term investment project, investment resources, The Truth About Investing.</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Is Property Still a Safe Investment? – with Rob Dix</title>
      <itunes:episode>10</itunes:episode>
      <podcast:episode>10</podcast:episode>
      <itunes:title>Is Property Still a Safe Investment? – with Rob Dix</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">64c0f99a-c13f-45f2-a8db-3240a390df41</guid>
      <link>https://share.transistor.fm/s/05ca4882</link>
      <description>
        <![CDATA[<p>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.</p><p>In this episode of <em>Investing Unlocked</em>, <strong>Georgie Frost</strong> and <strong>Simon Lambert</strong> sit down with <strong>Rob Dix</strong> – author, landlord and co-founder of <em>Property Hub</em> – to ask if investing in property is still worth it. And if it is, how do you actually do it well?</p><p>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.</p><p>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.</p><p>For anyone who has ever assumed property is "safe as houses”, this episode will make you think again.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br><strong>To hear more from us:<br></strong><br><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version<br><strong>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/</a></p><p><strong>Georgie Frost <br>Instagram:</strong> <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a><br><strong>LinkedIn:</strong> <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p><p><strong>Simon Lambert<br>LinkedIn:</strong> <a href="https://uk.linkedin.com/in/simon-lambert-26013233">https://uk.linkedin.com/in/simon-lambert-26013233</a><br><strong>X/Twitter:</strong> <a href="https://x.com/_simonlambert?lang=en">https://x.com/_simonlambert?lang=en</a></p><p><strong>Rob Dix<br>Instagram</strong>: https://www.instagram.com/therobdix/<br><strong>LinkedIn: </strong>uk.linkedin.com/in/rob-dix<br><strong>Website</strong>: https://propertyhub.net/rob-dix/</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>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.</p><p>In this episode of <em>Investing Unlocked</em>, <strong>Georgie Frost</strong> and <strong>Simon Lambert</strong> sit down with <strong>Rob Dix</strong> – author, landlord and co-founder of <em>Property Hub</em> – to ask if investing in property is still worth it. And if it is, how do you actually do it well?</p><p>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.</p><p>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.</p><p>For anyone who has ever assumed property is "safe as houses”, this episode will make you think again.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br><strong>To hear more from us:<br></strong><br><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version<br><strong>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/</a></p><p><strong>Georgie Frost <br>Instagram:</strong> <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a><br><strong>LinkedIn:</strong> <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p><p><strong>Simon Lambert<br>LinkedIn:</strong> <a href="https://uk.linkedin.com/in/simon-lambert-26013233">https://uk.linkedin.com/in/simon-lambert-26013233</a><br><strong>X/Twitter:</strong> <a href="https://x.com/_simonlambert?lang=en">https://x.com/_simonlambert?lang=en</a></p><p><strong>Rob Dix<br>Instagram</strong>: https://www.instagram.com/therobdix/<br><strong>LinkedIn: </strong>uk.linkedin.com/in/rob-dix<br><strong>Website</strong>: https://propertyhub.net/rob-dix/</p>]]>
      </content:encoded>
      <pubDate>Wed, 13 May 2026 16:00:00 +0100</pubDate>
      <author>Georgie Frost</author>
      <enclosure url="https://media.transistor.fm/05ca4882/34632520.mp3" length="145767081" type="audio/mpeg"/>
      <itunes:author>Georgie Frost</itunes:author>
      <itunes:duration>3625</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>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.</p><p>In this episode of <em>Investing Unlocked</em>, <strong>Georgie Frost</strong> and <strong>Simon Lambert</strong> sit down with <strong>Rob Dix</strong> – author, landlord and co-founder of <em>Property Hub</em> – to ask if investing in property is still worth it. And if it is, how do you actually do it well?</p><p>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.</p><p>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.</p><p>For anyone who has ever assumed property is "safe as houses”, this episode will make you think again.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br><strong>To hear more from us:<br></strong><br><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version<br><strong>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/</a></p><p><strong>Georgie Frost <br>Instagram:</strong> <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a><br><strong>LinkedIn:</strong> <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p><p><strong>Simon Lambert<br>LinkedIn:</strong> <a href="https://uk.linkedin.com/in/simon-lambert-26013233">https://uk.linkedin.com/in/simon-lambert-26013233</a><br><strong>X/Twitter:</strong> <a href="https://x.com/_simonlambert?lang=en">https://x.com/_simonlambert?lang=en</a></p><p><strong>Rob Dix<br>Instagram</strong>: https://www.instagram.com/therobdix/<br><strong>LinkedIn: </strong>uk.linkedin.com/in/rob-dix<br><strong>Website</strong>: https://propertyhub.net/rob-dix/</p>]]>
      </itunes:summary>
      <itunes:keywords>property investment, buy-to-let, property funds, commercial property, interest rates, tax changes, property ownership, long-term investment strategies, rental income, accidental landlords, limited companies, property management, letting agents, Renters’ Rights Act, tenant protections, property market, capital appreciation, investment strategies, property portfolio, economic environment, housing market, property investor, professionalisation of rental sector, investment trusts, real estate, regional property markets, investment goals, mortgage broker, financial education, cultural significance of property, property renovation, rental yields, market timing, investment risks, diversification, property maintenance, property valuation, tenant relationships, property legislation, landlord challenges, investment mistakes, new builds, existing properties, financial planning, property market trends, investment insights, property market analysis.</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Are Your Pensions at Risk? – with Tom McPhail</title>
      <itunes:episode>9</itunes:episode>
      <podcast:episode>9</podcast:episode>
      <itunes:title>Are Your Pensions at Risk? – with Tom McPhail</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">df16dba1-f6f1-4c70-9442-01f9f0e71bd6</guid>
      <link>https://share.transistor.fm/s/c501ac65</link>
      <description>
        <![CDATA[<p>If you’ve got a pension, chances are big changes are coming - whether you realise it or not.</p><p><br></p><p>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.</p><p><br></p><p>In this episode of <em>Investing Unlocked Extra</em>, <strong>Georgie Frost</strong> speaks with pensions expert and Times columnist <strong>Tom McPhail</strong> about what’s changing, what it means for your retirement, and what you should actually be paying attention to.</p><p><br></p><p>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.</p><p><br></p><p>In this episode, we explore:</p><ul><li>What the new pensions bill actually means for savers</li><li>Why the government wants “fewer, bigger, better” pension schemes</li><li>The controversy around the government’s proposed investment powers</li><li>What the triple lock is - and why its future is under threat</li><li>How changes to salary sacrifice could affect higher earners</li><li>Why many people are losing trust in pensions and investing</li><li>What younger generations are really up against financially</li><li>The simple steps you can take now to build a stronger retirement plan</li><li>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.</li></ul><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br></p><p><strong>Guest</strong></p><p>Tom McPhail</p><p>Pensions Expert &amp; Times Columnist</p><p><a href="https://www.thetimes.com/profile/tom-mcphail">https://www.thetimes.com/profile/tom-mcphail</a></p><p>LinkedIn: <a href="https://www.linkedin.com/in/tom-mcphail-9260a624/">https://www.linkedin.com/in/tom-mcphail-9260a624/</a></p><p>X (Twitter): @PensionsMonkey</p><p><br></p><p><strong>Follow &amp; Catch Up With Us</strong></p><p>Investing Unlocked</p><p>Instagram: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/</a></p><p><br></p><p><strong>Georgie Frost</strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney">https://www.instagram.com/georgiefrostmoney</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>If you’ve got a pension, chances are big changes are coming - whether you realise it or not.</p><p><br></p><p>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.</p><p><br></p><p>In this episode of <em>Investing Unlocked Extra</em>, <strong>Georgie Frost</strong> speaks with pensions expert and Times columnist <strong>Tom McPhail</strong> about what’s changing, what it means for your retirement, and what you should actually be paying attention to.</p><p><br></p><p>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.</p><p><br></p><p>In this episode, we explore:</p><ul><li>What the new pensions bill actually means for savers</li><li>Why the government wants “fewer, bigger, better” pension schemes</li><li>The controversy around the government’s proposed investment powers</li><li>What the triple lock is - and why its future is under threat</li><li>How changes to salary sacrifice could affect higher earners</li><li>Why many people are losing trust in pensions and investing</li><li>What younger generations are really up against financially</li><li>The simple steps you can take now to build a stronger retirement plan</li><li>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.</li></ul><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br></p><p><strong>Guest</strong></p><p>Tom McPhail</p><p>Pensions Expert &amp; Times Columnist</p><p><a href="https://www.thetimes.com/profile/tom-mcphail">https://www.thetimes.com/profile/tom-mcphail</a></p><p>LinkedIn: <a href="https://www.linkedin.com/in/tom-mcphail-9260a624/">https://www.linkedin.com/in/tom-mcphail-9260a624/</a></p><p>X (Twitter): @PensionsMonkey</p><p><br></p><p><strong>Follow &amp; Catch Up With Us</strong></p><p>Investing Unlocked</p><p>Instagram: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/</a></p><p><br></p><p><strong>Georgie Frost</strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney">https://www.instagram.com/georgiefrostmoney</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p>]]>
      </content:encoded>
      <pubDate>Wed, 06 May 2026 16:00:00 +0100</pubDate>
      <author>Georgie Frost</author>
      <enclosure url="https://media.transistor.fm/c501ac65/c0db1f02.mp3" length="60110123" type="audio/mpeg"/>
      <itunes:author>Georgie Frost</itunes:author>
      <itunes:duration>1877</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>If you’ve got a pension, chances are big changes are coming - whether you realise it or not.</p><p><br></p><p>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.</p><p><br></p><p>In this episode of <em>Investing Unlocked Extra</em>, <strong>Georgie Frost</strong> speaks with pensions expert and Times columnist <strong>Tom McPhail</strong> about what’s changing, what it means for your retirement, and what you should actually be paying attention to.</p><p><br></p><p>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.</p><p><br></p><p>In this episode, we explore:</p><ul><li>What the new pensions bill actually means for savers</li><li>Why the government wants “fewer, bigger, better” pension schemes</li><li>The controversy around the government’s proposed investment powers</li><li>What the triple lock is - and why its future is under threat</li><li>How changes to salary sacrifice could affect higher earners</li><li>Why many people are losing trust in pensions and investing</li><li>What younger generations are really up against financially</li><li>The simple steps you can take now to build a stronger retirement plan</li><li>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.</li></ul><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><br></p><p><strong>Guest</strong></p><p>Tom McPhail</p><p>Pensions Expert &amp; Times Columnist</p><p><a href="https://www.thetimes.com/profile/tom-mcphail">https://www.thetimes.com/profile/tom-mcphail</a></p><p>LinkedIn: <a href="https://www.linkedin.com/in/tom-mcphail-9260a624/">https://www.linkedin.com/in/tom-mcphail-9260a624/</a></p><p>X (Twitter): @PensionsMonkey</p><p><br></p><p><strong>Follow &amp; Catch Up With Us</strong></p><p>Investing Unlocked</p><p>Instagram: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/</a></p><p><br></p><p><strong>Georgie Frost</strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney">https://www.instagram.com/georgiefrostmoney</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p>]]>
      </itunes:summary>
      <itunes:keywords>pensions</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Why Smart People Make Poor Money Decisions – with Vicky Reynal</title>
      <itunes:episode>8</itunes:episode>
      <podcast:episode>8</podcast:episode>
      <itunes:title>Why Smart People Make Poor Money Decisions – with Vicky Reynal</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">a5f7f3b4-3352-4a3f-97d7-063da001c762</guid>
      <link>https://share.transistor.fm/s/dcc3e039</link>
      <description>
        <![CDATA[<p>British households are sitting on £430 billion in cash that could be invested. So what's stopping us? </p><p>The truth is, most people are terrible with money - but it's not for lack of knowledge. It's how we're wired.</p><p><br>In this episode of <em>Investing Unlocked</em>, <strong>Georgie Frost</strong> and <strong>Simon Lambert</strong> sit down with financial psychotherapist, <strong>Vicky Reynal</strong> - Times columnist and author of Money on Your Mind - for a rare look at the psychology behind our most common investing mistakes.</p><p><br>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.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version</p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>British households are sitting on £430 billion in cash that could be invested. So what's stopping us? </p><p>The truth is, most people are terrible with money - but it's not for lack of knowledge. It's how we're wired.</p><p><br>In this episode of <em>Investing Unlocked</em>, <strong>Georgie Frost</strong> and <strong>Simon Lambert</strong> sit down with financial psychotherapist, <strong>Vicky Reynal</strong> - Times columnist and author of Money on Your Mind - for a rare look at the psychology behind our most common investing mistakes.</p><p><br>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.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version</p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p>]]>
      </content:encoded>
      <pubDate>Wed, 29 Apr 2026 16:00:00 +0100</pubDate>
      <author>Georgie Frost</author>
      <enclosure url="https://media.transistor.fm/dcc3e039/3652b179.mp3" length="107468366" type="audio/mpeg"/>
      <itunes:author>Georgie Frost</itunes:author>
      <itunes:duration>2674</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>British households are sitting on £430 billion in cash that could be invested. So what's stopping us? </p><p>The truth is, most people are terrible with money - but it's not for lack of knowledge. It's how we're wired.</p><p><br>In this episode of <em>Investing Unlocked</em>, <strong>Georgie Frost</strong> and <strong>Simon Lambert</strong> sit down with financial psychotherapist, <strong>Vicky Reynal</strong> - Times columnist and author of Money on Your Mind - for a rare look at the psychology behind our most common investing mistakes.</p><p><br>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.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version</p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p>]]>
      </itunes:summary>
      <itunes:keywords>financial psychotherapist, Vicky Ray, Investing Unlocked, Georgie Frost, Simon Lambert, psychology of investing, emotional aspects of money management, financial behaviors, childhood money scripts, societal taboos about money, fear and investing, shame and money, overconfidence in investing, social media and finance, healthy investing mindset, procrastination in investing, impulsivity in finance, financial emotional awareness, investing mistakes, money attitudes, family financial habits, cultural differences in wealth, investing culture, women and investing, financial insecurities, cash vs investing, investment knowledge, social media pressure, long-term investing, investing vs gambling, emotional resilience in investing, holding onto losing investments, crypto trends, meme stocks, herd mentality in investing, cultivating a healthy investing mindset, emotional triggers in finance, reflection on money habits, managing emotions in investing, market volatility challenges.</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>The End of Dollar Dominance? – with Emma Wall </title>
      <itunes:episode>7</itunes:episode>
      <podcast:episode>7</podcast:episode>
      <itunes:title>The End of Dollar Dominance? – with Emma Wall </itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">5ffc4890-d255-46a2-ab59-01362475dbb2</guid>
      <link>https://share.transistor.fm/s/8a233284</link>
      <description>
        <![CDATA[<p>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.</p><p>In this episode of <em>Investing Unlocked Extra</em>, <strong>Georgie Frost</strong> speaks with <strong>Emma Wall</strong>, 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. </p><p>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.</p><p>In this episode, we explore:</p><p>• Why the US dollar affects almost every investor </p><p>• Whether the dollar is losing its global dominance </p><p>• Why central banks are buying more gold </p><p>• How currency movements affect your investment returns </p><p>• The new UK campaign encouraging more people to invest </p><p>• The risks of using AI for financial advice </p><p>If you're wondering how currency movements impact your portfolio, this episode breaks down the bigger picture.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement.</p><p>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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version</p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>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.</p><p>In this episode of <em>Investing Unlocked Extra</em>, <strong>Georgie Frost</strong> speaks with <strong>Emma Wall</strong>, 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. </p><p>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.</p><p>In this episode, we explore:</p><p>• Why the US dollar affects almost every investor </p><p>• Whether the dollar is losing its global dominance </p><p>• Why central banks are buying more gold </p><p>• How currency movements affect your investment returns </p><p>• The new UK campaign encouraging more people to invest </p><p>• The risks of using AI for financial advice </p><p>If you're wondering how currency movements impact your portfolio, this episode breaks down the bigger picture.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement.</p><p>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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version</p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p>]]>
      </content:encoded>
      <pubDate>Wed, 22 Apr 2026 16:00:00 +0100</pubDate>
      <author>Georgie Frost</author>
      <enclosure url="https://media.transistor.fm/8a233284/5f20b31f.mp3" length="50933513" type="audio/mpeg"/>
      <itunes:author>Georgie Frost</itunes:author>
      <itunes:duration>1590</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>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.</p><p>In this episode of <em>Investing Unlocked Extra</em>, <strong>Georgie Frost</strong> speaks with <strong>Emma Wall</strong>, 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. </p><p>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.</p><p>In this episode, we explore:</p><p>• Why the US dollar affects almost every investor </p><p>• Whether the dollar is losing its global dominance </p><p>• Why central banks are buying more gold </p><p>• How currency movements affect your investment returns </p><p>• The new UK campaign encouraging more people to invest </p><p>• The risks of using AI for financial advice </p><p>If you're wondering how currency movements impact your portfolio, this episode breaks down the bigger picture.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement.</p><p>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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version</p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p>]]>
      </itunes:summary>
      <itunes:keywords>Investing Unlocked, Georgie Frost, Simon Lambert, investing misconceptions, financial decisions, market concentration, fear of loss, pension schemes, long-term financial well-being, investment principles, inflation, investment psychology, loss aversion, cash balances, market timing, investment strategies, exchange-traded funds, global index funds, AI market bubble, investment risks, diversification, financial media, investment fees, risk tolerance, automation in investing, DIY investing, market volatility, behavioral finance, investment mindset, financial literacy, UK stock market, US tech giants, investment opportunities, compound growth, emotional investing, cryptocurrency risks, gender disparities in investing, cultural attitudes towards investing, investment research, sustainable operations, shareholder payouts, market signals, active vs. passive investing, low-cost tracker funds, compounding growth, swings and roundabouts, financial press, misinformation, investing habits, long-term investment project, investment resources, The Truth About Investing.</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Are Finfluencers Helping or Harming Your Finances? – with Gabriel Nussbaum </title>
      <itunes:episode>6</itunes:episode>
      <podcast:episode>6</podcast:episode>
      <itunes:title>Are Finfluencers Helping or Harming Your Finances? – with Gabriel Nussbaum </itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/472db242</link>
      <description>
        <![CDATA[<p><strong>Love it or loathe it, social media is now where millions of us go for investing advice.</strong></p><p>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.</p><p>So in a sea of content, who can we actually trust? </p><p>In this episode of <em>Investing Unlocked</em>, <strong>Georgie Frost</strong> and <strong>Rick Kelsey</strong> talk to personal finance educator and TikTok's “That Money Guy”, <strong>Gabriel Nussbaum</strong> – a finfluencer with over a million followers and a mission to make financial education free and transparent.</p><p>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.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement.<br> <br>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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version</p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p><strong>Love it or loathe it, social media is now where millions of us go for investing advice.</strong></p><p>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.</p><p>So in a sea of content, who can we actually trust? </p><p>In this episode of <em>Investing Unlocked</em>, <strong>Georgie Frost</strong> and <strong>Rick Kelsey</strong> talk to personal finance educator and TikTok's “That Money Guy”, <strong>Gabriel Nussbaum</strong> – a finfluencer with over a million followers and a mission to make financial education free and transparent.</p><p>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.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement.<br> <br>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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version</p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p>]]>
      </content:encoded>
      <pubDate>Wed, 15 Apr 2026 17:05:33 +0100</pubDate>
      <author>Georgie Frost</author>
      <enclosure url="https://media.transistor.fm/472db242/6019acd0.mp3" length="119767089" type="audio/mpeg"/>
      <itunes:author>Georgie Frost</itunes:author>
      <itunes:duration>2977</itunes:duration>
      <itunes:summary>
        <![CDATA[<p><strong>Love it or loathe it, social media is now where millions of us go for investing advice.</strong></p><p>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.</p><p>So in a sea of content, who can we actually trust? </p><p>In this episode of <em>Investing Unlocked</em>, <strong>Georgie Frost</strong> and <strong>Rick Kelsey</strong> talk to personal finance educator and TikTok's “That Money Guy”, <strong>Gabriel Nussbaum</strong> – a finfluencer with over a million followers and a mission to make financial education free and transparent.</p><p>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.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement.<br> <br>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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version</p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p>]]>
      </itunes:summary>
      <itunes:keywords>Investing Unlocked, Georgie Frost, Rick Kelsey, Gabriel Nussbaum, personal finance, TikTok influencer, social media investing, fintech apps, financial education, misinformation, scams, bad financial advice, democratization of investing, young investors, ISAs, pensions, financial literacy, investing risks, emotional spending, robo-investing, ETFs, ready-made funds, automation in investing, financial behavior, wealth building, personal finance tips, financial advice, investment strategies, money management, PensionBee, financial influencers, investing for beginners, financial independence.</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Do Defensive Investments Actually Protect Your Money When Markets Crash? </title>
      <itunes:episode>5</itunes:episode>
      <podcast:episode>5</podcast:episode>
      <itunes:title>Do Defensive Investments Actually Protect Your Money When Markets Crash? </itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">00cd2c13-ffc2-4456-8c93-081802c0ad23</guid>
      <link>https://share.transistor.fm/s/0e6d9703</link>
      <description>
        <![CDATA[<p>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.</p><p>So what went wrong?</p><p>In this episode of <em>Investing Unlocked Extra</em>, <strong>Georgie Frost</strong> speaks to finance journalist <strong>Holly Mead</strong> about why traditional defensive investments sometimes fail – and what investors should really do when markets turn volatile.</p><p><strong>They explore:</strong></p><ul><li>Why gold and bonds dropped during a geopolitical crisis</li><li>Whether defensive assets still have a place in portfolios</li><li>How inflation and interest rates change investment behaviour</li><li>What actually performed well during the market turmoil</li><li>Whether younger investors should bother with defensive assets at all</li></ul><p><br>If you're wondering how to build a resilient investment portfolio in uncertain times, this episode breaks it down in clear, practical terms.</p><p><strong>Guest: Holly Mead</strong></p><p>LinkedIn: https://www.linkedin.com/in/holly-mead-411b4a136/<br>X.com: https://x.com/holly_mead_<br>TikTok: @hollymead_moneyjourno</p><p><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version</p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p><p><br></p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>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.</p><p>So what went wrong?</p><p>In this episode of <em>Investing Unlocked Extra</em>, <strong>Georgie Frost</strong> speaks to finance journalist <strong>Holly Mead</strong> about why traditional defensive investments sometimes fail – and what investors should really do when markets turn volatile.</p><p><strong>They explore:</strong></p><ul><li>Why gold and bonds dropped during a geopolitical crisis</li><li>Whether defensive assets still have a place in portfolios</li><li>How inflation and interest rates change investment behaviour</li><li>What actually performed well during the market turmoil</li><li>Whether younger investors should bother with defensive assets at all</li></ul><p><br>If you're wondering how to build a resilient investment portfolio in uncertain times, this episode breaks it down in clear, practical terms.</p><p><strong>Guest: Holly Mead</strong></p><p>LinkedIn: https://www.linkedin.com/in/holly-mead-411b4a136/<br>X.com: https://x.com/holly_mead_<br>TikTok: @hollymead_moneyjourno</p><p><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version</p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p><p><br></p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p>]]>
      </content:encoded>
      <pubDate>Wed, 08 Apr 2026 16:00:00 +0100</pubDate>
      <author>Georgie Frost</author>
      <enclosure url="https://media.transistor.fm/0e6d9703/1fea6d06.mp3" length="44948272" type="audio/mpeg"/>
      <itunes:author>Georgie Frost</itunes:author>
      <itunes:duration>1403</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>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.</p><p>So what went wrong?</p><p>In this episode of <em>Investing Unlocked Extra</em>, <strong>Georgie Frost</strong> speaks to finance journalist <strong>Holly Mead</strong> about why traditional defensive investments sometimes fail – and what investors should really do when markets turn volatile.</p><p><strong>They explore:</strong></p><ul><li>Why gold and bonds dropped during a geopolitical crisis</li><li>Whether defensive assets still have a place in portfolios</li><li>How inflation and interest rates change investment behaviour</li><li>What actually performed well during the market turmoil</li><li>Whether younger investors should bother with defensive assets at all</li></ul><p><br>If you're wondering how to build a resilient investment portfolio in uncertain times, this episode breaks it down in clear, practical terms.</p><p><strong>Guest: Holly Mead</strong></p><p>LinkedIn: https://www.linkedin.com/in/holly-mead-411b4a136/<br>X.com: https://x.com/holly_mead_<br>TikTok: @hollymead_moneyjourno</p><p><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version</p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p><p><br></p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p>]]>
      </itunes:summary>
      <itunes:keywords>Investing Unlocked, Georgie Frost, Simon Lambert, investing misconceptions, financial decisions, market concentration, fear of loss, pension schemes, long-term financial well-being, investment principles, inflation, investment psychology, loss aversion, cash balances, market timing, investment strategies, exchange-traded funds, global index funds, AI market bubble, investment risks, diversification, financial media, investment fees, risk tolerance, automation in investing, DIY investing, market volatility, behavioral finance, investment mindset, financial literacy, UK stock market, US tech giants, investment opportunities, compound growth, emotional investing, cryptocurrency risks, gender disparities in investing, cultural attitudes towards investing, investment research, sustainable operations, shareholder payouts, market signals, active vs. passive investing, low-cost tracker funds, compounding growth, swings and roundabouts, financial press, misinformation, investing habits, long-term investment project, investment resources, The Truth About Investing.</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Crypto’s Had Its “Gold Rush.” Is It Time To Walk Away?</title>
      <itunes:episode>4</itunes:episode>
      <podcast:episode>4</podcast:episode>
      <itunes:title>Crypto’s Had Its “Gold Rush.” Is It Time To Walk Away?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/8ff43992</link>
      <description>
        <![CDATA[<p><strong><br>Crypto divides opinion like almost nothing else in the world of investing.<br></strong><br></p><p>For the “true believers”, it’s the ultimate disruptor - decentralised, borderless, and built to thrive outside an outdated financial system. To the skeptics, it’s less of a revolution and more about faith than fundamentals.</p><p><br>But between the cult-like hype and the constant predictions of total collapse, what the <em>heck</em> is actually happening?</p><p><br>In this episode of <em>Investing Unlocked</em>, <strong>Georgie Frost</strong> and <strong>Simon Lambert</strong> sit down with <strong>Glenn Goodman</strong> – a former financial journalist turned full-time crypto trader and author of <em>The Crypto Trader</em> - to demystify the market once and for all.</p><p><br>They tackle the questions that actually matter to your wallet: Is crypto losing its "currency" in today’s volatile markets? How do you buy crypto safely in an unregulated market? And in a world of "crypto bros" and overnight millionaires, who is really winning?</p><p><br>For any investor trying to make sense of the noise, this episode offers a clear-eyed look at whether crypto has a place in a serious investment portfolio – or if it’s a gamble you can afford to skip.</p><p><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version</p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p><p><br></p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p><strong><br>Crypto divides opinion like almost nothing else in the world of investing.<br></strong><br></p><p>For the “true believers”, it’s the ultimate disruptor - decentralised, borderless, and built to thrive outside an outdated financial system. To the skeptics, it’s less of a revolution and more about faith than fundamentals.</p><p><br>But between the cult-like hype and the constant predictions of total collapse, what the <em>heck</em> is actually happening?</p><p><br>In this episode of <em>Investing Unlocked</em>, <strong>Georgie Frost</strong> and <strong>Simon Lambert</strong> sit down with <strong>Glenn Goodman</strong> – a former financial journalist turned full-time crypto trader and author of <em>The Crypto Trader</em> - to demystify the market once and for all.</p><p><br>They tackle the questions that actually matter to your wallet: Is crypto losing its "currency" in today’s volatile markets? How do you buy crypto safely in an unregulated market? And in a world of "crypto bros" and overnight millionaires, who is really winning?</p><p><br>For any investor trying to make sense of the noise, this episode offers a clear-eyed look at whether crypto has a place in a serious investment portfolio – or if it’s a gamble you can afford to skip.</p><p><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version</p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p><p><br></p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p>]]>
      </content:encoded>
      <pubDate>Wed, 01 Apr 2026 16:00:00 +0100</pubDate>
      <author>Georgie Frost</author>
      <enclosure url="https://media.transistor.fm/8ff43992/b72d6f5a.mp3" length="168174442" type="audio/mpeg"/>
      <itunes:author>Georgie Frost</itunes:author>
      <itunes:duration>4184</itunes:duration>
      <itunes:summary>
        <![CDATA[<p><strong><br>Crypto divides opinion like almost nothing else in the world of investing.<br></strong><br></p><p>For the “true believers”, it’s the ultimate disruptor - decentralised, borderless, and built to thrive outside an outdated financial system. To the skeptics, it’s less of a revolution and more about faith than fundamentals.</p><p><br>But between the cult-like hype and the constant predictions of total collapse, what the <em>heck</em> is actually happening?</p><p><br>In this episode of <em>Investing Unlocked</em>, <strong>Georgie Frost</strong> and <strong>Simon Lambert</strong> sit down with <strong>Glenn Goodman</strong> – a former financial journalist turned full-time crypto trader and author of <em>The Crypto Trader</em> - to demystify the market once and for all.</p><p><br>They tackle the questions that actually matter to your wallet: Is crypto losing its "currency" in today’s volatile markets? How do you buy crypto safely in an unregulated market? And in a world of "crypto bros" and overnight millionaires, who is really winning?</p><p><br>For any investor trying to make sense of the noise, this episode offers a clear-eyed look at whether crypto has a place in a serious investment portfolio – or if it’s a gamble you can afford to skip.</p><p><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version</p><p><strong><br>Instagram</strong>: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p><p><br></p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p>]]>
      </itunes:summary>
      <itunes:keywords>cryptocurrency, crypto trading, Bitcoin, Ethereum, Glenn Goodman, Investing Unlocked, financial journalist, investment strategies, market cycles, volatility, Sam Bankman-Fried, FTX, trading vs investing, crypto risks, decentralized finance, stablecoins, NFTs, digital assets, crypto ETFs, market sentiment, technical analysis, fundamental analysis, investment portfolio, market timing, price movements, trading strategies, regulation, institutional investment, tax implications, privacy coins, digital wallets, blockchain technology, speculative investments, market hype, crypto scams, investment advice, risk management, quantum computing, Bored Apes, crypto exchanges, financial systems, investment trends, capital gains tax, crypto market dynamics, trading psychology.</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Tax Year-End Tips: What Investors Should Do Before April 6th | Investing Unlocked Extra</title>
      <itunes:episode>3</itunes:episode>
      <podcast:episode>3</podcast:episode>
      <itunes:title>Tax Year-End Tips: What Investors Should Do Before April 6th | Investing Unlocked Extra</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/0b36e39e</link>
      <description>
        <![CDATA[<p>The end of the tax year is fast approaching – and that means a reset to your ISA and pension allowances, alongside important tax changes that could impact your returns. </p><p>In this episode of <em>Investing Unlocked Extra</em>, <strong>Georgie Frost</strong> is joined by <strong>Dan Coatsworth</strong>, Head of Markets at AJ Bell, to break down what investors should be doing right now – before the April 6th deadline. </p><p>They discuss: <br>• Why 2025 was a strong year for markets – and why volatility has returned in 2026 <br>• Where investors are putting their money right now (and why tech is losing favour) <br>• How tax changes are quietly increasing what you pay <br>• The importance of using your £20,000 ISA allowance before it resets <br>• What a “Bed and ISA” is – and how it can reduce future tax bills <br>• Changes to dividend tax and what they mean for your income <br>• The pros and cons of cash vs investing in the current environment <br>• Common mistakes investors make at tax year end <br>• Why you don’t have to invest immediately after funding your ISA <br>• The power of consistency and long-term investing </p><p>If you’re unsure what to do before the tax year ends, this episode gives you clear, practical steps to stay ahead.  </p><p>Guest: Dan Coatsworth Head of Markets, AJ Bell <a href="https://www.ajbell.co.uk/our-writers/dan-coatsworth">https://www.ajbell.co.uk/our-writers/dan-coatsworth</a> </p><p>LinkedIn: <a href="https://www.linkedin.com/in/dan-coatsworth-48910599/">https://www.linkedin.com/in/dan-coatsworth-48910599/</a> </p><p>Follow &amp; Catch Up With Us:<br> <br>Want more from Investing Unlocked? Get exclusive content, behind-the-scenes moments, and everything that doesn’t make it into the episode: </p><p>Investing Unlocked Instagram: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/</a> <br>Georgie Frost Instagram: <a href="https://www.instagram.com/georgiefrostmoney">https://www.instagram.com/georgiefrostmoney</a> <br>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a>  </p><p>Disclaimer: This content is for information and educational purposes only and does not constitute personal financial advice. Investing involves risk, and your capital is at risk. If you’re unsure, consider speaking to a regulated financial advisor.  </p><p>In partnership with <a href="https://www.pensionbee.com/uk">PensionBee</a>. <em>   </em></p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>The end of the tax year is fast approaching – and that means a reset to your ISA and pension allowances, alongside important tax changes that could impact your returns. </p><p>In this episode of <em>Investing Unlocked Extra</em>, <strong>Georgie Frost</strong> is joined by <strong>Dan Coatsworth</strong>, Head of Markets at AJ Bell, to break down what investors should be doing right now – before the April 6th deadline. </p><p>They discuss: <br>• Why 2025 was a strong year for markets – and why volatility has returned in 2026 <br>• Where investors are putting their money right now (and why tech is losing favour) <br>• How tax changes are quietly increasing what you pay <br>• The importance of using your £20,000 ISA allowance before it resets <br>• What a “Bed and ISA” is – and how it can reduce future tax bills <br>• Changes to dividend tax and what they mean for your income <br>• The pros and cons of cash vs investing in the current environment <br>• Common mistakes investors make at tax year end <br>• Why you don’t have to invest immediately after funding your ISA <br>• The power of consistency and long-term investing </p><p>If you’re unsure what to do before the tax year ends, this episode gives you clear, practical steps to stay ahead.  </p><p>Guest: Dan Coatsworth Head of Markets, AJ Bell <a href="https://www.ajbell.co.uk/our-writers/dan-coatsworth">https://www.ajbell.co.uk/our-writers/dan-coatsworth</a> </p><p>LinkedIn: <a href="https://www.linkedin.com/in/dan-coatsworth-48910599/">https://www.linkedin.com/in/dan-coatsworth-48910599/</a> </p><p>Follow &amp; Catch Up With Us:<br> <br>Want more from Investing Unlocked? Get exclusive content, behind-the-scenes moments, and everything that doesn’t make it into the episode: </p><p>Investing Unlocked Instagram: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/</a> <br>Georgie Frost Instagram: <a href="https://www.instagram.com/georgiefrostmoney">https://www.instagram.com/georgiefrostmoney</a> <br>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a>  </p><p>Disclaimer: This content is for information and educational purposes only and does not constitute personal financial advice. Investing involves risk, and your capital is at risk. If you’re unsure, consider speaking to a regulated financial advisor.  </p><p>In partnership with <a href="https://www.pensionbee.com/uk">PensionBee</a>. <em>   </em></p>]]>
      </content:encoded>
      <pubDate>Thu, 26 Mar 2026 16:00:00 +0000</pubDate>
      <author>Georgie Frost</author>
      <enclosure url="https://media.transistor.fm/0b36e39e/fc76a1cf.mp3" length="21164307" type="audio/mpeg"/>
      <itunes:author>Georgie Frost</itunes:author>
      <itunes:duration>1319</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>The end of the tax year is fast approaching – and that means a reset to your ISA and pension allowances, alongside important tax changes that could impact your returns. </p><p>In this episode of <em>Investing Unlocked Extra</em>, <strong>Georgie Frost</strong> is joined by <strong>Dan Coatsworth</strong>, Head of Markets at AJ Bell, to break down what investors should be doing right now – before the April 6th deadline. </p><p>They discuss: <br>• Why 2025 was a strong year for markets – and why volatility has returned in 2026 <br>• Where investors are putting their money right now (and why tech is losing favour) <br>• How tax changes are quietly increasing what you pay <br>• The importance of using your £20,000 ISA allowance before it resets <br>• What a “Bed and ISA” is – and how it can reduce future tax bills <br>• Changes to dividend tax and what they mean for your income <br>• The pros and cons of cash vs investing in the current environment <br>• Common mistakes investors make at tax year end <br>• Why you don’t have to invest immediately after funding your ISA <br>• The power of consistency and long-term investing </p><p>If you’re unsure what to do before the tax year ends, this episode gives you clear, practical steps to stay ahead.  </p><p>Guest: Dan Coatsworth Head of Markets, AJ Bell <a href="https://www.ajbell.co.uk/our-writers/dan-coatsworth">https://www.ajbell.co.uk/our-writers/dan-coatsworth</a> </p><p>LinkedIn: <a href="https://www.linkedin.com/in/dan-coatsworth-48910599/">https://www.linkedin.com/in/dan-coatsworth-48910599/</a> </p><p>Follow &amp; Catch Up With Us:<br> <br>Want more from Investing Unlocked? Get exclusive content, behind-the-scenes moments, and everything that doesn’t make it into the episode: </p><p>Investing Unlocked Instagram: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/</a> <br>Georgie Frost Instagram: <a href="https://www.instagram.com/georgiefrostmoney">https://www.instagram.com/georgiefrostmoney</a> <br>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a>  </p><p>Disclaimer: This content is for information and educational purposes only and does not constitute personal financial advice. Investing involves risk, and your capital is at risk. If you’re unsure, consider speaking to a regulated financial advisor.  </p><p>In partnership with <a href="https://www.pensionbee.com/uk">PensionBee</a>. <em>   </em></p>]]>
      </itunes:summary>
      <itunes:keywords>Investing Unlocked, Georgie Frost, Simon Lambert, investing misconceptions, financial decisions, market concentration, fear of loss, pension schemes, long-term financial well-being, investment principles, inflation, investment psychology, loss aversion, cash balances, market timing, investment strategies, exchange-traded funds, global index funds, AI market bubble, investment risks, diversification, financial media, investment fees, risk tolerance, automation in investing, DIY investing, market volatility, behavioral finance, investment mindset, financial literacy, UK stock market, US tech giants, investment opportunities, compound growth, emotional investing, cryptocurrency risks, gender disparities in investing, cultural attitudes towards investing, investment research, sustainable operations, shareholder payouts, market signals, active vs. passive investing, low-cost tracker funds, compounding growth, swings and roundabouts, financial press, misinformation, investing habits, long-term investment project, investment resources, The Truth About Investing.</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>Are We Sleepwalking Into the Next Financial Crash?</title>
      <itunes:episode>2</itunes:episode>
      <podcast:episode>2</podcast:episode>
      <itunes:title>Are We Sleepwalking Into the Next Financial Crash?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/77c04719</link>
      <description>
        <![CDATA[<p>Every generation thinks it knows more than the last … yet we keep making the same investing mistakes.</p><p>In the late nineties, we were told that boom and bust was a thing of the past - yet we all know how that turned out. Bubbles keep happening – and they seem to be happening more often. Some say we may even be due another crash.</p><p>So how can you spot one, prepare for it, and learn from what history has taught us about money, markets and our own behaviour?In this episode of <em>Investing Unlocked</em>, <strong>Georgie Frost </strong>is joined by financial historian <strong>Will Quinn</strong>, author of <em>Boom and Bust: A Global History of Financial Bubbles</em>, along with series regular<strong> Simon Lambert</strong>.</p><p>From the tulip mania of the 17th century to the 2008 financial crisis, they explore the events that shape our understanding of bubbles and the psychology behind them. The conversation shifts to how the media fuels the frenzy, and the recent surges in cryptocurrency and AI investments, posing the question: Are we currently living in a bubble?</p><p>For investors trying to make sense of market cycles in these uncertain times, this episode offers practical insights on how to learn from the past to avoid the next big mania.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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. </p><p>If you're over the age of 55 (rising to 57 from 2028) you can start making <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.<br>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version</p><p><br><strong>Instagram:</strong> <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p><p><br></p><p><strong>Simon Lambert</strong></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/simon-lambert-26013233">https://uk.linkedin.com/in/simon-lambert-26013233</a>X/</p><p>Twitter: <a href="https://x.com/_simonlambert?lang=en">https://x.com/_simonlambert?lang=en</a></p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Every generation thinks it knows more than the last … yet we keep making the same investing mistakes.</p><p>In the late nineties, we were told that boom and bust was a thing of the past - yet we all know how that turned out. Bubbles keep happening – and they seem to be happening more often. Some say we may even be due another crash.</p><p>So how can you spot one, prepare for it, and learn from what history has taught us about money, markets and our own behaviour?In this episode of <em>Investing Unlocked</em>, <strong>Georgie Frost </strong>is joined by financial historian <strong>Will Quinn</strong>, author of <em>Boom and Bust: A Global History of Financial Bubbles</em>, along with series regular<strong> Simon Lambert</strong>.</p><p>From the tulip mania of the 17th century to the 2008 financial crisis, they explore the events that shape our understanding of bubbles and the psychology behind them. The conversation shifts to how the media fuels the frenzy, and the recent surges in cryptocurrency and AI investments, posing the question: Are we currently living in a bubble?</p><p>For investors trying to make sense of market cycles in these uncertain times, this episode offers practical insights on how to learn from the past to avoid the next big mania.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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. </p><p>If you're over the age of 55 (rising to 57 from 2028) you can start making <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.<br>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version</p><p><br><strong>Instagram:</strong> <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p><p><br></p><p><strong>Simon Lambert</strong></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/simon-lambert-26013233">https://uk.linkedin.com/in/simon-lambert-26013233</a>X/</p><p>Twitter: <a href="https://x.com/_simonlambert?lang=en">https://x.com/_simonlambert?lang=en</a></p>]]>
      </content:encoded>
      <pubDate>Wed, 18 Mar 2026 16:00:00 +0000</pubDate>
      <author>Georgie Frost</author>
      <enclosure url="https://media.transistor.fm/77c04719/1ea40bc6.mp3" length="53382633" type="audio/mpeg"/>
      <itunes:author>Georgie Frost</itunes:author>
      <itunes:duration>3333</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Every generation thinks it knows more than the last … yet we keep making the same investing mistakes.</p><p>In the late nineties, we were told that boom and bust was a thing of the past - yet we all know how that turned out. Bubbles keep happening – and they seem to be happening more often. Some say we may even be due another crash.</p><p>So how can you spot one, prepare for it, and learn from what history has taught us about money, markets and our own behaviour?In this episode of <em>Investing Unlocked</em>, <strong>Georgie Frost </strong>is joined by financial historian <strong>Will Quinn</strong>, author of <em>Boom and Bust: A Global History of Financial Bubbles</em>, along with series regular<strong> Simon Lambert</strong>.</p><p>From the tulip mania of the 17th century to the 2008 financial crisis, they explore the events that shape our understanding of bubbles and the psychology behind them. The conversation shifts to how the media fuels the frenzy, and the recent surges in cryptocurrency and AI investments, posing the question: Are we currently living in a bubble?</p><p>For investors trying to make sense of market cycles in these uncertain times, this episode offers practical insights on how to learn from the past to avoid the next big mania.</p><p>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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. </p><p>If you're over the age of 55 (rising to 57 from 2028) you can start making <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.<br>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p><p><strong>To hear more from us:</strong></p><p><br></p><p><strong>YouTube: </strong>Subscribe to our channel, <a href="https://www.youtube.com/@InvestingUnlockedUK/">Investing Unlocked with Georgie Frost</a>, to watch the video version</p><p><br><strong>Instagram:</strong> <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/<br></a><br></p><p><strong>Georgie Frost </strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p><p><br></p><p><strong>Simon Lambert</strong></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/simon-lambert-26013233">https://uk.linkedin.com/in/simon-lambert-26013233</a>X/</p><p>Twitter: <a href="https://x.com/_simonlambert?lang=en">https://x.com/_simonlambert?lang=en</a></p>]]>
      </itunes:summary>
      <itunes:keywords>Investing Unlocked, Georgie Frost, Simon Lambert, Will Quinn, financial bubbles, history of financial bubbles, impacts of financial bubbles, 2008 financial crisis, causes of financial bubbles, lessons from financial history, AI bubble, cryptocurrency bubble, psychological factors in investing, market dynamics, fire triangle analogy, marketability, liquidity, speculative investments, Gregor MacGregor, Poyais, mortgage-backed securities, debt-fueled booms, creative destruction, negative equity, financial media, social media influence, herd mentality, critical thinking, diversified portfolio, intrinsic value, Bitcoin, valuation difficulty, financial repression, FTX collapse, Sam Bankman-Fried, investing strategies, market downturns, innovation and economic growth, technology bubble, investor psychology, narrative in investing, skepticism in financial markets.</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>The Truth About Investing (And Why Most Investors Fail) </title>
      <itunes:episode>1</itunes:episode>
      <podcast:episode>1</podcast:episode>
      <itunes:title>The Truth About Investing (And Why Most Investors Fail) </itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/465a8368</link>
      <description>
        <![CDATA[<p>From official government campaigns to social media feeds, <em>investing</em> is being pushed harder than ever. But once you decide to do it, what actually makes someone good at it? For years, it’s been dressed up as something complicated. It doesn’t have to be.</p><p>In the first episode of <em>Investing Unlocked</em>, <strong>Georgie Frost</strong> is joined by <strong>Jonathan Guthrie,</strong> former Lex editor at the <em>Financial Times</em> and author of <em>The Truth About Investing</em>, with this season’s regular guest <strong>Simon Lambert.</strong></p><p>The three talk about what investing really involves once you strip away the noise: why trying to be clever often backfires, timing the market is so tempting, and behaviour matters more than brilliance.</p><p>There are no hot tips here. No magic strategies. Just a clear, honest chat about how investing really works in practice and why steady decisions usually beat bold ones.</p><p>Whether you’re new to investing or have been doing it for years, this is about understanding what genuinely drives results.</p><p><strong>Follow &amp; Catch Up With Us</strong></p><p>Want more from <strong>Investing Unlocked</strong>? Get exclusive content, behind-the-scenes moments, and everything that doesn’t make it into the episode. Connect with us and stay in the loop:</p><p><strong>Investing Unlocked<br></strong>Instagram: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/</a><br>Threads: <a href="https://www.threads.com/@investing.unlocked">https://www.threads.com/@investing.unlocked</a></p><p><strong>Georgie Frost<br></strong>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a><br>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p><p><strong>Simon Lambert<br></strong>LinkedIn: <a href="https://uk.linkedin.com/in/simon-lambert-26013233">https://uk.linkedin.com/in/simon-lambert-26013233</a><br>X/Twitter: <a href="https://x.com/_simonlambert?lang=en">https://x.com/_simonlambert?lang=en</a></p><p>Have questions, topic ideas, or guest suggestions? We’d love to hear from you, message us anytime and let’s keep the conversation going.</p><p><br>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br></p><p>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>From official government campaigns to social media feeds, <em>investing</em> is being pushed harder than ever. But once you decide to do it, what actually makes someone good at it? For years, it’s been dressed up as something complicated. It doesn’t have to be.</p><p>In the first episode of <em>Investing Unlocked</em>, <strong>Georgie Frost</strong> is joined by <strong>Jonathan Guthrie,</strong> former Lex editor at the <em>Financial Times</em> and author of <em>The Truth About Investing</em>, with this season’s regular guest <strong>Simon Lambert.</strong></p><p>The three talk about what investing really involves once you strip away the noise: why trying to be clever often backfires, timing the market is so tempting, and behaviour matters more than brilliance.</p><p>There are no hot tips here. No magic strategies. Just a clear, honest chat about how investing really works in practice and why steady decisions usually beat bold ones.</p><p>Whether you’re new to investing or have been doing it for years, this is about understanding what genuinely drives results.</p><p><strong>Follow &amp; Catch Up With Us</strong></p><p>Want more from <strong>Investing Unlocked</strong>? Get exclusive content, behind-the-scenes moments, and everything that doesn’t make it into the episode. Connect with us and stay in the loop:</p><p><strong>Investing Unlocked<br></strong>Instagram: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/</a><br>Threads: <a href="https://www.threads.com/@investing.unlocked">https://www.threads.com/@investing.unlocked</a></p><p><strong>Georgie Frost<br></strong>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a><br>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p><p><strong>Simon Lambert<br></strong>LinkedIn: <a href="https://uk.linkedin.com/in/simon-lambert-26013233">https://uk.linkedin.com/in/simon-lambert-26013233</a><br>X/Twitter: <a href="https://x.com/_simonlambert?lang=en">https://x.com/_simonlambert?lang=en</a></p><p>Have questions, topic ideas, or guest suggestions? We’d love to hear from you, message us anytime and let’s keep the conversation going.</p><p><br>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br></p><p>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p>]]>
      </content:encoded>
      <pubDate>Wed, 04 Mar 2026 16:00:00 +0000</pubDate>
      <author>Georgie Frost</author>
      <enclosure url="https://media.transistor.fm/465a8368/deafb393.mp3" length="52731462" type="audio/mpeg"/>
      <itunes:author>Georgie Frost</itunes:author>
      <itunes:duration>3293</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>From official government campaigns to social media feeds, <em>investing</em> is being pushed harder than ever. But once you decide to do it, what actually makes someone good at it? For years, it’s been dressed up as something complicated. It doesn’t have to be.</p><p>In the first episode of <em>Investing Unlocked</em>, <strong>Georgie Frost</strong> is joined by <strong>Jonathan Guthrie,</strong> former Lex editor at the <em>Financial Times</em> and author of <em>The Truth About Investing</em>, with this season’s regular guest <strong>Simon Lambert.</strong></p><p>The three talk about what investing really involves once you strip away the noise: why trying to be clever often backfires, timing the market is so tempting, and behaviour matters more than brilliance.</p><p>There are no hot tips here. No magic strategies. Just a clear, honest chat about how investing really works in practice and why steady decisions usually beat bold ones.</p><p>Whether you’re new to investing or have been doing it for years, this is about understanding what genuinely drives results.</p><p><strong>Follow &amp; Catch Up With Us</strong></p><p>Want more from <strong>Investing Unlocked</strong>? Get exclusive content, behind-the-scenes moments, and everything that doesn’t make it into the episode. Connect with us and stay in the loop:</p><p><strong>Investing Unlocked<br></strong>Instagram: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/</a><br>Threads: <a href="https://www.threads.com/@investing.unlocked">https://www.threads.com/@investing.unlocked</a></p><p><strong>Georgie Frost<br></strong>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a><br>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p><p><strong>Simon Lambert<br></strong>LinkedIn: <a href="https://uk.linkedin.com/in/simon-lambert-26013233">https://uk.linkedin.com/in/simon-lambert-26013233</a><br>X/Twitter: <a href="https://x.com/_simonlambert?lang=en">https://x.com/_simonlambert?lang=en</a></p><p>Have questions, topic ideas, or guest suggestions? We’d love to hear from you, message us anytime and let’s keep the conversation going.</p><p><br>Thank you to our sponsor <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a> - 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 <a href="https://www.pensionbee.com/uk/pension-withdrawal?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">pension withdrawals </a>with ease and in a way that suits you.</p><p><br></p><p>PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a <a href="https://www.pensionbee.com/uk/pension-calculator?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">Pension Calculator</a>, <a href="https://www.pensionbee.com/uk/blog?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">blogs</a>, <a href="https://www.youtube.com/channel/UCpVxqKCXMkiRL1GVgQERSHA">videos</a> and a monthly podcast - <a href="https://www.pensionbee.com/uk/podcast?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">The Pension Confident Podcast</a>.</p><p><br></p><p>Take control of your retirement today with <a href="https://www.pensionbee.com/uk?utm_source=partners&amp;utm_medium=podcast&amp;utm_campaign=investing_unlocked_shownotes">PensionBee</a>. When investing, your capital is at risk.</p>]]>
      </itunes:summary>
      <itunes:keywords>Investing Unlocked, Georgie Frost, Simon Lambert, Jonathan Guthrie, investing misconceptions, financial decisions, market concentration, fear of loss, pension schemes, long-term financial well-being, investment principles, inflation, investment psychology, loss aversion, cash balances, market timing, investment strategies, exchange-traded funds, global index funds, AI market bubble, investment risks, diversification, financial media, investment fees, risk tolerance, automation in investing, DIY investing, market volatility, behavioral finance, investment mindset, financial literacy, UK stock market, US tech giants, investment opportunities, compound growth, emotional investing, cryptocurrency risks, gender disparities in investing, cultural attitudes towards investing, investment research, sustainable operations, shareholder payouts, market signals, active vs. passive investing, low-cost tracker funds, compounding growth, swings and roundabouts, financial press, misinformation, investing habits, long-term investment project, investment resources, The Truth About Investing.</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
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      <title>Introducing Investing Unlocked with Georgie Frost | Series Trailer</title>
      <itunes:episode>1</itunes:episode>
      <podcast:episode>1</podcast:episode>
      <itunes:title>Introducing Investing Unlocked with Georgie Frost | Series Trailer</itunes:title>
      <itunes:episodeType>trailer</itunes:episodeType>
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      <description>
        <![CDATA[<p>Introducing Investing Unlocked with Georgie Frost – a straight-talking podcast for people who want to understand investing without the jargon.</p><p>With investing moving to the centre of financial life in 2026, this series looks at what really matters once you strip away the noise.</p><p>Across the season, Georgie is joined by leading voices from investing, economics and financial journalism, including financial psychotherapist Vicky Reynal, Jonathan Guthrie, former head of the Financial Times’ Lex column and risk and finance expert Moorad Choudhry.</p><p>Together, they explore market psychology, long-term decision-making and the economic forces shaping what happens next – with a focus on helping listeners avoid common mistakes and make steadier, more informed choices.</p><p><br>Sponsored by PensionBee.</p><p><br>Episode one is out Wednesday 4 March at 4pm, wherever you get your podcasts.</p><p><strong>Follow &amp; Catch Up With Us</strong></p><p><br></p><p>Want more from <strong>Investing Unlocked</strong>? Get exclusive content, behind-the-scenes moments, and everything that doesn’t make it into the episode. Connect with us and stay in the loop:</p><p><br></p><p><strong>Investing Unlocked</strong></p><p>Instagram: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/</a></p><p>Threads: <a href="https://www.threads.com/@investing.unlocked">https://www.threads.com/@investing.unlocked</a></p><p><br></p><p><strong>Georgie Frost</strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p><p><br></p><p><strong>Simon Lambert</strong></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/simon-lambert-26013233">https://uk.linkedin.com/in/simon-lambert-26013233</a></p><p>X/Twitter: <a href="https://x.com/_simonlambert?lang=en">https://x.com/_simonlambert?lang=en</a></p><p><br>Have questions, topic ideas, or guest suggestions? We’d love to hear from you, message us anytime and let’s keep the conversation going.</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>Introducing Investing Unlocked with Georgie Frost – a straight-talking podcast for people who want to understand investing without the jargon.</p><p>With investing moving to the centre of financial life in 2026, this series looks at what really matters once you strip away the noise.</p><p>Across the season, Georgie is joined by leading voices from investing, economics and financial journalism, including financial psychotherapist Vicky Reynal, Jonathan Guthrie, former head of the Financial Times’ Lex column and risk and finance expert Moorad Choudhry.</p><p>Together, they explore market psychology, long-term decision-making and the economic forces shaping what happens next – with a focus on helping listeners avoid common mistakes and make steadier, more informed choices.</p><p><br>Sponsored by PensionBee.</p><p><br>Episode one is out Wednesday 4 March at 4pm, wherever you get your podcasts.</p><p><strong>Follow &amp; Catch Up With Us</strong></p><p><br></p><p>Want more from <strong>Investing Unlocked</strong>? Get exclusive content, behind-the-scenes moments, and everything that doesn’t make it into the episode. Connect with us and stay in the loop:</p><p><br></p><p><strong>Investing Unlocked</strong></p><p>Instagram: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/</a></p><p>Threads: <a href="https://www.threads.com/@investing.unlocked">https://www.threads.com/@investing.unlocked</a></p><p><br></p><p><strong>Georgie Frost</strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p><p><br></p><p><strong>Simon Lambert</strong></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/simon-lambert-26013233">https://uk.linkedin.com/in/simon-lambert-26013233</a></p><p>X/Twitter: <a href="https://x.com/_simonlambert?lang=en">https://x.com/_simonlambert?lang=en</a></p><p><br>Have questions, topic ideas, or guest suggestions? We’d love to hear from you, message us anytime and let’s keep the conversation going.</p>]]>
      </content:encoded>
      <pubDate>Wed, 04 Mar 2026 12:00:00 +0000</pubDate>
      <author>Georgie Frost</author>
      <enclosure url="https://media.transistor.fm/db865e50/85ebec89.mp3" length="1059145" type="audio/mpeg"/>
      <itunes:author>Georgie Frost</itunes:author>
      <itunes:duration>63</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>Introducing Investing Unlocked with Georgie Frost – a straight-talking podcast for people who want to understand investing without the jargon.</p><p>With investing moving to the centre of financial life in 2026, this series looks at what really matters once you strip away the noise.</p><p>Across the season, Georgie is joined by leading voices from investing, economics and financial journalism, including financial psychotherapist Vicky Reynal, Jonathan Guthrie, former head of the Financial Times’ Lex column and risk and finance expert Moorad Choudhry.</p><p>Together, they explore market psychology, long-term decision-making and the economic forces shaping what happens next – with a focus on helping listeners avoid common mistakes and make steadier, more informed choices.</p><p><br>Sponsored by PensionBee.</p><p><br>Episode one is out Wednesday 4 March at 4pm, wherever you get your podcasts.</p><p><strong>Follow &amp; Catch Up With Us</strong></p><p><br></p><p>Want more from <strong>Investing Unlocked</strong>? Get exclusive content, behind-the-scenes moments, and everything that doesn’t make it into the episode. Connect with us and stay in the loop:</p><p><br></p><p><strong>Investing Unlocked</strong></p><p>Instagram: <a href="https://www.instagram.com/investing.unlocked/">https://www.instagram.com/investing.unlocked/</a></p><p>Threads: <a href="https://www.threads.com/@investing.unlocked">https://www.threads.com/@investing.unlocked</a></p><p><br></p><p><strong>Georgie Frost</strong></p><p>Instagram: <a href="https://www.instagram.com/georgiefrostmoney/?hl=en">https://www.instagram.com/georgiefrostmoney/?hl=en</a></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/georgie-frost-a1b090110">https://uk.linkedin.com/in/georgie-frost-a1b090110</a></p><p><br></p><p><strong>Simon Lambert</strong></p><p>LinkedIn: <a href="https://uk.linkedin.com/in/simon-lambert-26013233">https://uk.linkedin.com/in/simon-lambert-26013233</a></p><p>X/Twitter: <a href="https://x.com/_simonlambert?lang=en">https://x.com/_simonlambert?lang=en</a></p><p><br>Have questions, topic ideas, or guest suggestions? We’d love to hear from you, message us anytime and let’s keep the conversation going.</p>]]>
      </itunes:summary>
      <itunes:keywords>Investing Unlocked, Georgie Frost, Simon Lambert, investing misconceptions, financial decisions, market concentration, fear of loss, pension schemes, long-term financial well-being, investment principles, inflation, investment psychology, loss aversion, cash balances, market timing, investment strategies, exchange-traded funds, global index funds, AI market bubble, investment risks, diversification, financial media, investment fees, risk tolerance, automation in investing, DIY investing, market volatility, behavioral finance, investment mindset, financial literacy, UK stock market, US tech giants, investment opportunities, compound growth, emotional investing, cryptocurrency risks, gender disparities in investing, cultural attitudes towards investing, investment research, sustainable operations, shareholder payouts, market signals, active vs. passive investing, low-cost tracker funds, compounding growth, swings and roundabouts, financial press, misinformation, investing habits, long-term investment project, investment resources, The Truth About Investing.</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
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