The Pension Confident Podcast

• E36: Is my pension funding climate change? With Rotimi Merriman-Johnson, Jesse Griffiths and Giorgia Antonacci

  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]. Have you ever wondered if your pension is funding climate change? We all know about the damage greenhouse gases do to the world. According to Make My Money Matter, by greening our pensions, we could cut our carbon footprint 21 times more than by going veggie, or giving up flying or switching energy providers. However, sustainable investing has been met with some scepticism over the years, so in this episode we're going to dig into the detail.  Join our host, Philippa Lamb, and our expert panel as they help you make confident choices about your own pension: Qualified Financial Adviser and Founder of Mr.MoneyJar, Rotimi Merriman-Johnson; CEO of the Finance Innovation Lab, Jesse Griffiths; and PensionBee’s Senior ESG Manager, Giorgia Antonacci.   Episode Breakdown: 01:42 The link between pensions and climate change 04:18 The fossil fuel industry 05:36 Does investing sustainably mean lower returns? 09:13 The rising cost of living 11:22 Can individuals make a difference? 15:52 What makes a sustainable pension fund? 17:21 Greenwashing, labelling and timescales 22:28 What action can pension savers take? 23:42 Influencing change 27:39 Final thoughts   Further reading, listening and watching: To learn more about finances, pensions and divorce, check out these articles, podcasts and videos from PensionBee: Under the hood of the Climate Plan The Climate Plan PensionBee’s Climate Plan (Video) ESG investing and its impact on pensions  Sustainable investing - how to make a positive impact with your pension How we can use our pensions to drive positive change whilst saving for retirement E1: Making a positive impact with your pension - with Clare Reilly, and Damien Fahy (Podcast) Three reasons to think about where your pension’s invested Championing our customers’ views How is the FCA cracking down on greenwashing? 5 sustainable investing myths debunked Your Fossil Fuel Free Plan switch questions, answered   Other useful resources: ShareAction Make My Money Matter Financial Conduct Authority Carbon Tracker Financial Stability Board The Institute of Actuaries Government Green Taxonomy Morgan Stanley Capital international (MSCI) Morgan Stanley Institute for Sustainable Investing MSCI's ESG rating scale India's wheat output dented by heatwave, could limit government stock building (Reuters)  FCA labelling scheme Institute of Actuaries study Accelerating to net zero (CBI) Morgan Stanley Sustainable Reality Report Revealed: oil sector’s ‘staggering’ $3bn-a-day profits for last 50 years (Guardian) Pension funds should protect our future, not destroy it (Greenpeace) Maslow's Hierarchy of Needs   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 Rotimi Merriman-Johnson, Mr MoneyJar on YouTube, Instagram, LinkedIn and X. Follow Finance Innovation Lab on LinkedIn, Facebook and X.

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• BONUS EPISODE: How to stick to your financial resolutions

  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].   Have you been making progress with your new year's resolutions? If sorting out your finances was top of that list, we’re here to help you along. We've been digging into some of our best-loved episodes for nuggets of financial wisdom. Listen as our guests share insights on some of the most common financial resolutions and how you can stick to them.    Join our host, Philippa Lamb and our expert guests as they discuss tracking down pensions, getting started with investing and asking for a payrise. Tune in to hear the best bits from the following episodes: E32: How to understand your pension balance with Tim Hogg, Faith Archer and Alex Langley E27: The cost of friendship with Dr. Tara Quinn, Niaz Azad and Brooke Day E21: Why don’t women invest? With Ayesha Ofori, Anna-Sophie Hartvigsen and Lara Oyesanya FRSA E23: Common financial mistakes and how to avoid them with Lynn Beattie, Ola Majekodunmi and Jasper Martens E25: How to earn more money with Natalie Campbell MBE, Lynn Anderson Clark and Priyal Kanabar   Episode breakdown: 00:28 Tracking down old pensions 02:55 Balancing spending and socialising  05:33 The art of saying ‘no’ 07:37 Getting started with investing  10:06 Prioritising saving over sales  12:42 How to ask for a pay rise   Further reading, listening and watching: To learn more about finances and pensions, check out these articles, podcasts and videos from PensionBee: Episode transcript  Why aren’t women investing?  Why closing the gender investing gap matters for impact investing Can financial education platforms help close the gender financial literacy gap? How important is financial independence? How can we improve financial health amongst women? Building your financial resilience Episode 3: How do we tackle the gender pension gap? (Podcast) How to check your pension contributions Rethinking your pension savings during the cost of living crisis Six ways to start talking about money Five steps to plotting your personal finance roadmap Bonus episode: Relationships and money (Podcast) How to talk about money Six ways to manage your money and your mental health Six ways to start talking about money What is the impact of debt on mental health? E29: Pensions vs. cash - which is best? (Podcast) E26: Are you ready for your 100-year life? (Podcast) E18: How to not run out of money in retirement (Podcast) E11: How to prepare for a happy retirement (Podcast) How are pensions invested? How can I find my pensions? How to look after your financial wellbeing in 2024 How to understand your pension balance   Other useful resources: Propelle Female Invest The history of women and money (GoHenry) Equal Pay Act 1970 (GOV.UK) Girls get less pocket money than boys (Netmums) Girls just wanna have funds (Female Invest book) Is the wealth gap ruining friendships? (Guardian) A third of people are owed money by friends and family (Starling) Why the “f*ck it” mentality is harming friendships (Refinery29) Splitwise How do I find lost pensions? (Gretel) Pension Calculator (PensionBee) Pension Tracing Service (GOV.UK) The Retirement Living Standards (Pensions and Lifetime Savings Association) What is the fresh start effect? (The Behavioral Scientist)     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.  

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• E35: The cost of divorce with Lynn Beattie, Harry Gates and Lydia Hunt

  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].   Every January, lawyers see a spike in inquiries about divorce. It's such a big spike the first Monday of January is known in the profession as Divorce Day. If you've been through it, you’ll know that one of the hardest parts of divorce is having to take lots of financial decisions at what can be a really overwhelming time. But understanding all your options can make those decisions easier and better.   Join our host, Philippa Lamb, and our expert panel as they help you build your post-divorce life on the best possible financial foundation.    Author and Founder of Mrs Mummypenny, Lynn Beattie; Co-Founder at The Divorce Surgery, Harry Gates; and PensionBee’s Head of First Line Compliance, Lydia Hunt.   Episode Breakdown: 01:32 The fundamentals of divorce 07:57 Is it worth getting a prenup? 09:55 Divorce and pensions 11:22 What’s included in negotiations? 13:36 Pension splitting 15:34 What happens to assets from before the marriage? 18:05 Are liabilities included in divorce negotiations? 21:03 Children and divorce 21:49 Can a divorce agreement be amended? 23:41 Thinking long term when negotiating 26:40 Life after divorce *In this episode we reference a report by The University of Manchester, where we say 80% of pension wealth is held by men, but the correct figure is actually 90%. *Where we refer to the fee to apply for a divorce, we say both £583 and £593. The correct figure is £593.   Further reading and listening: To learn more about finances, pensions and divorce, check out these articles, podcasts and videos from PensionBee: E35 transcript E3: The gender pension gap - with Emilie Bellet, Romi Savova and Sam Brodbeck (Podcast)  E14: What's the impact of your relationship status on your finances? With Ellie Austin-Williams, Paul Infield and Becky O'Connor (Podcast)  E28: The bank of mum and dad - what's the impact on your pension? With Mark Bogard, Rotimi Merriman-Johnson and Becky O'Connor (Podcast) Don't divorce your right to a decent pension Separation and divorce  Pension Sharing Order  Pension Attachment Orders and Earmarking How are finances split in a divorce? How long after a divorce can you claim a pension? What is the pension gap between men and women? Do I need to change my pension after I get divorced? The UK Pension Landscape What happens to my pension during a divorce? (Video)   Other useful resources: File for divorce (GOV.UK) New divorce laws from April 2022 (GOV.UK) Pre-nuptial agreements (House of Commons Library) Form E guidance (GOV.UK) Child Maintenance Service (GOV.UK) Divorce Day: Two thirds of divorces don't discuss pensions as part of settlement (Interactive Investor) Pension inequality a major issue when couples divorce, research finds (University of Manchester)   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 Lynn Beattie, Mrs Moneypenny on YouTube, Instagram, Facebook and X. Follow The Divorce Surgery on YouTube, Instagram, LinkedIn and Facebook.

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• S4 TRAILER: 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].   Happy New Year from all of us at The Pension Confident Podcast. We’re back with a  great lineup of topics and expert guest plans for our fourth series. Our mission is simple: to build up your pension and personal finance confidence. How do we do that? Simple. By asking and answering the questions that matter to you. Maybe you want to know how much you’ll need to save to retire early, or if your hard-earned pension contributions are actually funding climate change. Maybe it’s hidden risks, like lifestyle creep, you want to get your head around or how your personal relationships might be impacting your finances. The series is packed with insights and tips from a huge range of pensions and money experts. Plus we’ll be sharing bonus content with you right throughout the year too - including special budget breakdowns. The first episode of 2025 will be live at the end of this month, and with new beginnings in mind, it’s all about keeping the cost of divorce as low as possible and making sure your finances are in good shape when you start over afterwards.   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.

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• E34: Unpacking 10 years of the pension changes with Damien Fahy, Sam Brodbeck, and Romi Savova

  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.

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