The Pension Confident Podcast

• BONUS EPISODE: Understanding market volatility

  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].   In this special bonus episode of The Pension Confident Podcast, we’re diving deeper into the topic of market volatility. Episode 39 explored President Trump’s tariffs and the impact on pension balances and in this episode, we’re going to be answering some popular questions that came in off the back of that - with some helpful explainers from our expert guests.   Join our host, Philippa Lamb as she shares helpful explainers from our expert guests from the following episodes: E32: How to understand your pension balance with Tim Hogg, Faith Archer and Alex Langley E29: Pensions vs. cash - which is best? With Holly Mackay and Martin Parzonka E34: Unpacking 10 years of pension changes with Damien Fahy, Sam Brodbeck and Romi Savova   Episode breakdown: 01:20 What is a pension balance? 02:36 Why do pension balances go up and down? 03:42 How to deal with anxious feelings during market volatility  04:49 How are pensions invested and what is diversification? 06:13 How can volatile stock markets be an investment opportunity? 07:02 How often should you check your pension balance? 07:56 What’s happened after previous market downturns?   Further reading and listening: To learn more about finances and pensions, check out these articles, podcasts and videos from PensionBee: Episode transcript (Blog) E39: Trump, tariffs and what it all means for your pension (Podcast) Understanding market volatility and how it can impact your pension (Blog) Why are financial markets volatile these days? (Blog) Pensions and tariffs: what you need to know (Blog) How young savers can turn market volatility into an investment opportunity (Blog) How to diversify your pension investments (Blog) How to understand your pension balance (Blog) How does financial planning change over the course of life? (Blog) Pension investments (Pensions Explained) How are pensions invested? (Pensions Explained) What is a pension statement? (Pensions Explained)   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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• E39: Trump, tariffs and what it all means for your pension with Emma Maslin, Lucy Evans and Clare Reilly

  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].   Global stock markets have been on a bit of a rollercoaster lately, thanks to a flurry of announcements from President Trump and his administration around spending cuts and trade tariffs. The uncertainty about what might come next has left investors worldwide feeling uneasy. And when investors get jittery, markets tend to get volatile. So what does stock market volatility actually mean for you and your savings?   Join our host, Philippa Lamb, and our expert panel as they break it all down. Emma Maslin, Financial Coach, Financial Wellness Speaker and Founder of The Money Whisperer. Lucy Evans, Personal Finance Reporter, Daily Mail  Clare Reilly, Chief Engagement Officer, PensionBee   Episode Breakdown: 03:26 History of market volatility 07:43 What’s happening with Trump and tariffs 11:20 What happens next? 12:18 How might the UK government respond? 13:12 What does this mean for pensions? 15:56 The impact of age and lifestage 17:36 Other investments and emergency funds  22:15 Pension contributions and tax relief 23:16 Where to find guidance   Further reading, listening and watching: To learn more about stock market volatility, check out these articles, podcasts and videos from PensionBee: Episode 39 transcript Episode 39 video  Understanding market volatility and how it can impact your pension (Blog) Why are financial markets volatile these days? (Blog) Pensions and tariffs: what you need to know (Blog) How young savers can turn market volatility into an investment opportunity (Blog) How to diversify your pension investments (Blog) Company spotlight - how does Meta’s performance affect my pension? (Blog) Company spotlight - how does Microsoft’s performance affect my pension? (Blog) Company spotlight - how does Amazon’s performance affect my pension? (Blog) Company spotlight - how does Apple’s performance affect my pension? (Blog) Company spotlight - how does NVIDIA’s performance affect my pension? (Blog) Six ways to put together your emergency fund (Blog) How does financial planning change over the course of life? (Blog) Pension investments (Pensions Explained) Pensions and tax relief (Pensions Explained) How are pensions invested? (Pensions Explained) What is a Stocks & Shares ISA? (Pensions Explained)   Other useful resources: 2023 United States banking crisis (Wikipedia) How geopolitical events impact the stock market (Bankrate) Investors hold their nerve as market volatility rises (The Daily Brit) Half of investors admit to making impulsive, emotional decisions, and many go on to regret it (CMS Wealth) Research on retail Buyers’ emotional quotient with focus on transactions on the National Stock Exchange (Sage Journals) 66% of Investors Regret Impulsive or Emotional Investing Decisions (Magnify Money) Are women better investors than men? (Unbiased) Why Women Are Better (Investors) Than Men (Forbes) Pension Wise (Money Helper) Financial Conduct Authority (FCA)   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 Emma Maslin (@moneywhisperer_) on Instagram, LinkedIn, Facebook and X. Follow Lucy Evans (This is money) on LinkedIn and X.  

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• E38: How to shift careers with Hannah Martin, Suzanne Noble, and Anindya Bhattacharyya

  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].   Since the COVID-19 pandemic, around four million Brits have changed careers. With artificial intelligence (AI) posing potential risks to many jobs, it’s estimated that an additional 285,000 people might need to make a career switch by 2030.   Changing careers is undoubtedly a significant step, especially if you’ve dedicated years to one industry. So, where can you find the tools to help you make the leap? And importantly, how can you keep your finances on track?   Join our host, Philippa Lamb, and our expert panel as they share practical strategies, personal experiences and insights on navigating an evolving job market. Founder of Talented Ladies Club, Hannah Martin; Co-Founder of Startup School for Seniors, Suzanne Noble; and Senior Software Engineer at PensionBee, Anindya Bhattacharyya.   Episode Breakdown: 01:35 What would your instant career swap be? 02:25 Transferable skills and portfolio careers 04:17 The end of the 40-year career 06:15 Most common age for making a career switch 07:43 Pitching yourself as an older employee 09:46 Retraining for a new role 13:29 Can you afford to switch careers? 16:12 Financial checklist before making the leap 18:15 Finding possible funding opportunities 19:50 Available support for getting started 22:14 Are your passions a good guide? 24:40 Tips for how to switch careers   Further reading, listening and watching: To learn more about how to shift careers, check out these articles, podcasts and videos from PensionBee: Episode transcript (Blog) E31: How can I improve my credit score? (Podcast) E28: The Bank of Mum and Dad - what’s the impact on your pension? (Podcast) E25: How to earn more money (Podcast) E24: How to start a business (Podcast) Creating a portfolio income in your retirement years (Blog) What is a pension? (Pensions Explained) What is a workplace pension? (Pensions Explained) 5 tips for starting a new job (Blog) 8 easy steps to build an effective budget (Blog)   Other useful resources: Careers information, advice and guidance (National Careers Service) Critical skills that support your professional development (Udemy) Distance learning courses (The Open University) Doddery but dear? Examining age-related stereotypes (Centre for Ageing Better) ‘Feel the Fear and Do It Anyway’ (Susan Jeffers) Find a qualified pension adviser (Unbiased) Find your new career tool (PensionBee) Flexible and hybrid working practices in 2023 Report (CIPD) Learn job-ready skills with a Google Career Certificate (Google) Prepare for certification exams in IT, cybersecurity, and more (Coursera) Professional and Career Development Loans (GOV.UK) State of Ageing in 2020 (Centre for Ageing Better) The Carer’s Pension Gap Report (PensionBee)   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 Talented Ladies Club (@TalentedLadies) on YouTube, Instagram, LinkedIn, Facebook and X. Follow Startup School for Seniors (@startupschoolforseniors) on TikTok, YouTube, Instagram, LinkedIn and Facebook.

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• BONUS EPISODE: What does the 2025/26 tax year mean for your finances?

  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].   In this special bonus episode of The Pension Confident Podcast, we cover some of the key changes from the new 2025/26 tax year and what they could mean for you and your finances. Tune in as our host, Philippa Lamb and Financial Journalist and Founder of Much More With Less, Faith Archer, cover the various changes made, including: the National Living Wage; frozen income tax bands; Statutory Sick Pay; and the State Pension.   Episode Breakdown: 01:09 The start of a new tax year 04:03 Increased pay for employees and costs for employers 06:20 Frozen income tax and personal tax-free allowance thresholds 07:55 The State Pension and Winter Fuel Payment 11:18 Changes to Statutory Sick Pay, alongside overhaul of benefits systems 12:38 Increased Statutory Parental Pay and free nursery hours   Further reading, listening and watching: To learn more about the new tax year and your personal allowances, check out these articles, podcasts and videos from PensionBee: Episode transcript (Blog) E18: How to not run out of money in retirement (Podcast) E11: How to prepare for a happy retirement (Podcast) Adoption leave and adoption pay (Article) Am I ready for a baby? (Article) Average childcare costs (Article) Help with childcare costs (Article) Maternity leave and maternity pay (Article) Paternity leave and paternity pay (Article) Pension credit (Article) Shared parental leave and pay (Article) What disability benefits can I claim? (Article) What does the Autumn Budget 2024 mean for your pension? (Blog) What is the State Pension? (Article)   Other useful resources: A budget hitting employers and the well off (Much More With Less) Adoption leave and adoption pay (GOV.UK) Inflation Calculator (PensionBee) Maternity leave and maternity pay (GOV.UK) Paternity leave and paternity pay (GOV.UK) Shared parental leave and pay (GOV.UK) Statutory Sick Pay (SSP) (GOV.UK) The Retirement Living Standards (Pensions and Lifetime Savings Association)   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 Faith Archer (@MuchMoreWith Less) on LinkedIn, Facebook and X.

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  16:46
• E37: The easiest way to retire with more money with Neil Bage, Bola Sol, and Laura Dunn-Sims

  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].   Recent research from PensionBee reveals that financial disengagement might cost savers up to £500,000 over their lifetime - that’s a substantial amount! When was the last time you reviewed your savings? Are you aware of how much you’ve saved for retirement? Making small, informed decisions today can greatly impact your financial future. The great news is that staying engaged with your finances isn’t difficult.   Join our host, Philippa Lamb, and our expert panel as they explore a simple truth: the most effective way to max out your chances of retiring comfortably. Behavioural Expert and Co-Founder of Shaping Wealth, Neil Bage; Financial Adviser, Money Columnist and Author, Bola Sol; and Head of Consumer PR at PensionBee, Laura Dunn-Sims.   Episode Breakdown: 01:31 Common financial pitfalls 03:52 Visualising our ‘future selves’ 06:08 Overcoming complacency with pensions 06:42 The £500,000 ‘cost of disengagement’ 08:00 How can we make the numbers feel real? 10:20 Transitioning from an ‘immediate return’ to ‘delayed return’ environment 13:16 How to retire with more money 17:23 Automate your way to compound interest 20:02 Understanding investment risk 23:30 Balancing greed and fear 26:27 How to make (and keep) good habits   Further reading, listening and watching: To learn more about the cost of disengagement, check out these articles, podcasts and videos from PensionBee: E37 transcript (Blog) Bonus: How to stick to your financial resolutions (Podcast) Do you know what pension plan you’re in? (Blog) E32: How to understand your pension balance (Podcast) E34: Unpacking 10 years of pension changes (Podcast) How much do you need to pay into a pension? (Video) How much income do you need in retirement? (Blog) How much should you save for retirement? (Video) How to catch up on pension payments (Blog) How to check your pension contributions (Article) How to trace a lost pension (Article) How to understand your pension balance (Blog) Pension Calculator (Calculator) Top 10 money apps for your smartphone (Blog) What income would a £100,000 pension pot give you? (Blog) What is compound interest? (Blog)   Other useful resources: 56% of UK adults feel like they don’t understand the stock market (YouGov Survey) Almost 9 million UK adults are missing an old pension pot (PensionBee) Brits missing £31.1b in unclaimed pension pots (Pensions and Lifetime Savings Association) Government’s free Pension Tracing Service (GOV.UK) How the 'end of history' illusion shapes your life choices (BBC) Over half of Brits are in the dark or ‘dangerously underestimating’ the minimum cost of retirement (PensionBee) Pension disengagement could cost you up to £500,000 in retirement (PensionBee) Pot for life significantly more popular than stapling for managing multiple pots (PensionBee) Your Future Self: How to Make Tomorrow Better Today by Hal Hershfield (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 Shaping Wealth (@shapingwealth) on YouTube, Instagram, LinkedIn and X. Follow Bola Sol (@bolasol) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.

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