The Pension Confident Podcast

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: [email protected].   Over the past decade, British pensions have undergone significant transformations. With the introduction of Auto-Enrolment, advances in technology, and more flexible regulations, it’s become easier for individuals to plan and manage their retirement savings.   As the new government took office, the Chancellor introduced yet more changes to pensions in the Autumn Budget. So, what can we expect moving forward?   Join our host, Philippa Lamb, and our expert panel as they look back at the biggest pension changes over the past decade and how you can plan for a happy retirement in an everchanging world. Founder and Editor of Money to the Masses, Damien Fahy; Money Advice Editor at The Telegraph, Sam Brodbeck; and PensionBee’s Founder and CEO, Romi Savova.   Episode Breakdown: 01:01 PensionBee’s origin story 03:30 Billions of pounds lost in missing pensions 05:25 Why do people disengage? 08:28 The revolving door of pensions changes 10:04 The big pension changes that have shaped the past decade 12:00 Introduction of Auto-Enrolment 14:41 Pension Freedoms reforms 16:33 Where your money is, exactly 20:20 Understanding market ups and downs 22:52 How do UK pensions compare internationally?   Further reading and listening: To learn more about changes in the pensions industry, check out these articles and podcasts from PensionBee: Episode transcript What does the Autumn Budget 2024 mean for your pension? (Podcast) E26: Are you ready for your 100-year life? (Podcast) E18: How to not run out of money in retirement (Podcast) E12: Financial jargon, what does it all mean? (Podcast) E11: How to prepare for a happy retirement (Podcast) Preparing for retirement checklist Understanding market volatility and how it can impact your pension What does the Autumn Budget 2024 mean for your pension? What is Auto-Enrolment? What is a defined benefit pension? What is a defined contribution pension?   Other useful resources: How do I find lost pensions? (Gretel) Life expectancy calculator (Office for National Statistics) Pension Calculator (PensionBee) Pension Tracing Service (GOV.UK) The Retirement Living Standards (Pensions and Lifetime Savings Association) Trillions: How a Band of Wall Street Renegades Invented the Index Fund and Changed Finance Forever by Robin Wigglesworth (Book)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Money to the Masses (@moneytothemasses) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Times Money Mentor (@timesmoneymentor) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.

Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: [email protected].   In this bonus episode of The Pension Confident Podcast, we bring you part one of our myth-busting series on common financial mistakes and how to avoid them! Tune in to hear the best bits from episodes 19, 23, 27, 29 and 31. Our host, Philippa Lamb, and our expert guests cover everything from why people become reliant on credit cards to how credit scores actually work. We hear from: Founder of All Things Money, Ola Majekodunmi; PensionBee’s Head of Brand and Communications, Brooke Day; Co-Founder of Millennial Money UK, Niaz Azad; Mumsnet CEO, Justine Roberts CBE; Founder and CEO of Boring Money, Holly Mackay; PensionBee’s VP Product, Martin Parzonka; and Consumer Affairs Manager at Experian, John Webb.   Episode Breakdown:  00:35 The pressure of borrowing for education 02:06 Keeping up with the Joneses 03:57 The astronomical cost of childcare 05:25 High charges that come with debt 06:39 What does a ‘credit score’ mean? 09:30 The risk of ‘financial association’   Further reading and listening: To learn more about avoiding financial mistakes with borrowing money and credit scores, check out these articles and podcasts from PensionBee: Episode transcript E19: Can you afford to have kids? (Podcast) E23: Common financial mistakes and how to avoid them (Podcast) E27: What’s the cost of friendship? (Podcast) E29: Pensions vs. cash - which is best? (Podcast) E31: How can I improve my credit score? (Podcast) How can I improve my credit score? How do you pay off a credit card? How important is financial independence? Is it better to pay off your student loan or top up your pension? Should you pay off your child’s student loan? The effects of debt and how we can break the cycle What is the impact of debt on mental health?   Other useful resources: Credit score basics: everything you need to know (Experian) Get free debt advice (StepChange) Help with debt (Citizens Advice) How to check your credit report for free (Money Saving Expert) Student grants, bursaries and scholarships (Save The Student)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on X, YouTube, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Ola (@allthingsmoney_) on X, Instagram, TikTok, Facebook and LinkedIn. Follow Millennial Money UK (@MillMoneyUK) on X, Instagram, Facebook and LinkedIn. Follow @Mumsnet on X, Instagram, Facebook, TikTok and LinkedIn. Follow Boring Money (@boringmoney) on X, Instagram, TikTok, Facebook and LinkedIn. Follow Experian (@Experian_UK) on X, YouTube, Instagram, TikTok, Facebook and LinkedIn.

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: [email protected].   This month on The Pension Confident Podcast we’re shining a light on an important topic - financial abuse. It’s a part of economic abuse, a legally recognised form of domestic abuse and it can happen to anyone. Join our host, Philippa Lamb, and our expert panel as they discuss what to do if you or someone you know is being financially abused, how to spot the signs and what support is available.   Research and Policy Officer at Hourglass; and PensionBee’s VP of Second Line Compliance, Jaypee Soule.   Episode breakdown: 01:00 What is financial abuse and who does it impact? 06:59 The underreporting of financial abuse 09:22 What are the effects of financial abuse? 11:28 Who is committing financial abuse? 14:06 How do financial services protect against financial abuse? 16:48 How to keep yourself and your funds safe from financial abuse 18:53 What are the signs of financial abuse to look out for? 20:40 How are financial abuse cases recorded? 21:38 What support is available for victims of financial abuse? 24:04 The importance of financial awareness 26:13 Understanding powers of attorney   Further reading: To learn more about some of the themes discussed, check out these articles and podcasts from PensionBee: E33: How to spot the signs of financial abuse (Podcast transcript) E10: What are the effects of debt and what can you do if you find yourself in it? (Podcast) E7: How to stay safe from fraud and financial scams (Podcast) Bonus episode: How to avoid financial scams (Podcast) 8-step guide to help you stay safe online Power of attorney Anti-Scams Legislation   Other useful resources:  Keeping you and your loved ones safe from economic abuse. (Hourglass) How to identify financial abuse in a relationship (Very Well Mind) Financial abuse: spotting the signs and leaving safely (Money Helper) Hourglass. Safer ageing. Stopping abuse. Financial abuse: what is it? (Age UK) Economic abuse (Refuge) Surviving Economic Abuse Women’s Aid One Love Foundation Office of the Public Guardian   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Hourglass on X, Facebook and LinkedIn. Follow Danny Tatlow on LinkedIn.    

Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: [email protected].   In this special bonus episode of The Pension Confident Podcast, we cover some of the key announcements in the government’s Autumn Budget and what they could mean for you and your finances. Tune in as our host, Philippa Lamb and PensionBee’s Spokesperson, Annabelle Williams, cover the changes made to: employer National Insurance contributions; Inheritance Tax; capital gains tax; and Stamp Duty. Episode Breakdown: 01:33 Initial thoughts on the Autumn Budget 02:42 Employers National Insurance contributions 04:23 Inheritance Tax and pensions 09:07 Changes to capital gains tax 11:06 Stamp Duty 12:33 Impact on working people 13:15 What are ‘stealth taxes’?     Further reading and listening: To learn more about financial scams and protecting yourself and your money, check out these articles and podcasts from PensionBee: Episode transcript What does the Autumn Budget 2024 mean for your pension? What does the first UK female Chancellor mean for my pension savings? Inheritance Tax guide What’s a workplace pension? Pension death benefits Defined contribution pensions How pensions can cut your tax bill Pension tax relief Should I pay into a pension or an ISA? What is Auto-Enrolment? Why has renting got so expensive? E17: Should you save into a pension or an ISA? (Podcast) E22: Why is renting so expensive? (Podcast) E32: How to understand your pension balance (Podcast)   Other useful resources: Autumn Budget 2024 (HM Treasury) How Inheritance Tax works (GOV.UK) National Insurance rates and categories (GOV.UK) Stealth Taxes: What are they, how they work (Investopedia) National Minimum Wage and National Living Wage rates (GOV.UK) Stamp Duty Land Tax (GOV.UK) Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on X, YouTube, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Annabelle Williams on LinkedIn.