Money Clinic with Claer Barrett

The holiday season is the most wonderful time of the year, but it's also the most expensive. Between gifts, food and travel, people can end up spending a lot of money this year. The Financial Times' Marc Filippino talks with Claer about why people are feeling the pinch this season and what they can do about it. 

Mentioned in this podcast:

FT Financial Literacy and Inclusion Campaign

Find Claer on TikTok and Instagram 

Note: The FT does not use generative AI to voice its podcasts 

This episode of Money Clinic was produced by Marc Filippino, Mischa Frankl-Duval, and Victoria Craig. Our show was mixed by Kent Militzer. Additional help from Michael Lello. The FT’s acting co-head of audio is Topher Forhecz. The show’s theme music is by Metaphor Music. 

Hosted on Acast. See acast.com/privacy for more information.

It’s been a rollercoaster week for both UK politics and our personal finances, with chancellor Rachel Reeves setting out tens of billions of pounds of tax rises in the Budget. But how will these new taxes be applied and what could they cost you? In a podcast recorded live at the FT, host and consumer editor Claer Barrett is joined by Dan Neidle, the founder of Tax PolicyAssociates; Stuart Kirk, the FT’s investment columnist; and Tej Parikh, the FT’s economics leader writer, to field questions from readers and listeners. They cover everything from what the Budget means for people investing in UK markets, the new rules on pensions and salary sacrifice, how to stay under the £100,000 threshold for childcare support and much more.

To find out how much the five-year freeze to tax thresholds could cost you, find a free link to the FT’s Budget stealth tax calculator here

Claer’s Budget column:A horrid Budget for ‘Henrys’

Salary sacrifice shake-up: what it means for staff and employers

Follow Claer on social media @Claerb 

This episode was made available with thanks to FLIC, the FT’s Financial Literacy and Inclusion Campaign.

Read more about FLIC hereor click here, and to donate, click here. 

Read a transcript of this episode on FT.com

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Fifty-eight-year-old Margo has amassed a very healthy retirement fund, in part by buying shares in Berkshire Hathaway, the investment company run by Warren Buffett. When even the ‘Sage of Omaha’ is reducing his exposure to certain US stocks, Margo wonders if it’s time for her to follow his lead and look to invest in other parts of the world. 

Presenter Claer Barrett, the FT’s consumer editor, is joined by not one but two FT columnists: Simon Edelsten, Partner at Goshawk Asset Management, and finance veteran and Skin in the Game columnist Stuart Kirk. Together, they chew over Buffett’s succession plans, the lure of Japanese stocks and why even Margo’s seven-figure portfolio could be particularly vulnerable to a market correction.

Disclaimer: the Money Clinic podcast is intended as a general discussion about investing, and is not intended as financial advice or any kind of investment recommendation. Everybody's financial situation is different. You should always do your own research before you make any investment decisions. 

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok. 

Want more? Free links:

Read this FT story about how Warren Buffett has reassured investors over Berkshire Hathaway’s record cash pile: https://on.ft.com/3RtjE7D

Read all about Stuart Kirk’s views on the US stock market in his latest FT column: https://on.ft.com/43yzQvH

Presented by Claer Barrett, produced by Mischa Frankl-Duval, with mix and sound design from Breen Turner and Joe Salcedo. The executive producer is Manuela Saragosa. Cheryl Brumley is the FT’s head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Matt started investing at just 22 with the help of his financial adviser father. Now, at 29, and with a wedding on the cards, he’s got an extra reason to be diligent about his money. Some of Matt’s stock picks (such as Glencore) haven’t been performing as he might like. Is it time to leave stock-picking behind, and focus on a more diversified approach?

Presenter Claer Barrett is joined by Adam Walkom, the co-founder of Permanent Wealth Partners, and Investors’ Chronicle editor Taha Lokhandwala, to discuss Matt’s situation. Adam and Taha disagree on the merits of stock-picking – but they’re in agreement about the concentration risk lurking within Matt’s portfolio.

Want more? Free links:

Read Moira O’Neill’s recent FT article about diversifying your stocks and shares Isa here: https://on.ft.com/4l0xrAk

Read FT columnist Simon Edelsten on how investors can build more resilient portfolios: https://on.ft.com/41YJWUn

Presented by Claer Barrett, produced by Mischa Frankl-Duval, with mix and sound design from Breen Turner, Sam Giovinco and Joe Salcedo. The executive producer is Manuela Saragosa. Cheryl Brumley is the FT’s head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Forty-nine-year-old Jane has always been careful to squirrel money away, and a recent inheritance has boosted her nest egg to £125,000. But there’s one problem: it’s all in cash. Now, with half an eye on retirement, Jane wants to start investing but is unsure about how to do this.

Presenter Claer Barrett hears from experts Emma Sterland, chief financial planning director at Evelyn Partners, and Investors’ Chronicle editor Rosie Carr. Together, they discuss how Jane might make the most of tax-efficient vehicles like the stocks and shares Isa, how a first-time investor could build a diversified portfolio, and why knowing your reasons for investing is so important.

Disclaimer: the Money Clinic podcast is intended as a general discussion about investing, and is not intended as financial advice or any kind of investment recommendation. Everybody's financial situation is different. You should always do your own research before you make any investment decisions. 

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok. 

Want more? Free links:

Read Claer’s recent column weighing up the likely effect of rumoured Isa reforms: https://on.ft.com/4hdLMX5

What’s going into your Isa this year? Read this guide about how to pick diversified investments by FT columnist Moira O’Neill: https://on.ft.com/4hcyKZP

Presented by Claer Barrett, produced by Mischa Frankl-Duval, with mix and sound design from Breen Turner, Sam Giovinco and Joe Salcedo. The executive producer is Manuela Saragosa. Cheryl Brumley is the FT’s head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Sixty-seven-year-old Paul invests using index funds. Over the years, his exposure to US tech stocks has helped him build up a sizeable retirement pot — but recent stock market volatility is making him worry.

Now that he’s no longer working, Paul wonders if he should diversify into other equity markets, consider buying bonds, or an annuity. But he is finding this is hard to do without looking at the bigger picture of his finances in retirement.

Financial Times consumer editor Claer Barrett is joined by Adam Walkom, co-founder of financial planning firm Permanent Wealth Partners, and Moira O’Neill, an award-winning journalist with a column in the weekend edition of the FT.

Disclaimer: the Money Clinic podcast is intended as a general discussion about investing, and is not intended as financial advice or any kind of investment recommendation. Everybody's financial situation is different. You should always do your own research before you make any investment decisions.

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Want more? Free links:

If concentration risk is something that worries you, read this FT analysis: "How big is the stick market's 'America Bubble'?" https://on.ft.com/4ifFash

For a masterclass in how index funds work, do check out this episode from the Money Clinic back catalogue: 

'Investment Masterclass: The cheapest way to invest.' It's available on Apple (https://podcasts.apple.com/gb/podcast/investment-masterclass-the-cheapest-way-to-invest/id287031335?i=1000582970471) and Spotify: (https://open.spotify.com/episode/4BDgn1dKL3JCkkjYwwbe2B)

Presented by Claer Barrett, produced by Mischa Frankl-Duval, with mix and sound design from Breen Turner and Joe Salcedo. The executive producer is Manuela Saragosa. Cheryl Brumley is the FT’s head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Software engineer Stephan has a problem. As an early backer of bitcoin, he has made a lot of paper profit from cryptocurrencies, which now make up about a fifth of his portfolio. But Stephan’s also a big believer in ethical investing, including green investments. Given the energy-intensive nature of bitcoin mining, how could he approach resolving this conflict? Podcast host Claer Barrett, the FT’s consumer editor, is joined by FT columnist and personal finance expert Moira O’Neill, and David Baxter, funds editor at the Investors’ Chronicle. Together, they discuss the true meaning of green investing, and how Stephan might simplify his investments (and save himself some admin…)

Disclaimer: the Money Clinic podcast is intended as a general discussion about investing, and is not intended as financial advice or any kind of investment recommendation. Everybody's financial situation is different. You should always do your own research before you make any investment decisions. 

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Want more? Free links:

For a great read on the future of ESG in the Trump era, read this FT article: https://on.ft.com/41qB7lW

For more information about investing using Investment Trusts, read this FT piece by columnist Jonathan Guthrie: https://on.ft.com/3QMrGYQ

Presented by Claer Barrett, produced by Mischa Frankl-Duval, with mix and sound design from Breen Turner and Joe Salcedo. The executive producer is Manuela Saragosa. Cheryl Brumley is the FT’s head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Twenty-nine-year-old Faye has made some sensible investing decisions and … some more outlandish ones. Should this high-earning City worker, who’s dabbled in everything from cryptocurrency to novelty number plates, get a little bit more serious about how she invests? Presenter Claer Barrett, the FT’s consumer editor, is joined by Adam Walkom, co-founder of financial planning firm Permanent Wealth Partners, and Nimesh Shah, CEO of accountancy firm Blick Rothenberg. They speak to Faye about tax-efficient vehicles (such as like venture capital trusts), the six-figure salary tax trap, and why there’s nothing wrong with having a bit of fun investing.

Disclaimer: the Money Clinic podcast is intended as a general discussion about investing, and is not intended as financial advice or any kind of investment recommendation. Everybody's financial situation is different. You should always do your own research before you make any investment decisions. 

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Want more? Free links:

Read more about the 60% tax trap here: https://on.ft.com/4i15aaU

Read Claer's tips about other ways to avoid the 60% trap apart from paying more into your pension: https://on.ft.com/41glLjC

For a primer in how VCTs work - and the pros and cons for investors - see this FT article: https://on.ft.com/41lhpYB

Presented by Claer Barrett, produced by Mischa Frankl-Duval, with mix and sound design from Breen Turner and Joe Salcedo. The executive producer is Manuela Saragosa. Cheryl Brumley is the FT’s head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

How does one double a sizeable portfolio in under a decade? The short answer is by taking more investment risk - and in today’s episode one of the FT’s most experienced investment columnists weighs up the potential risks. 

Stuart Kirk has set an ambitious financial goal to hit ahead of his 60th birthday — growing his portfolio from just over £500,000 today to £1mn by 2032. 

Will he be persuaded to take a punt on flashy US tech stocks, dabble in alternative investments such as private equity, go for gold, or even gamble with cryptocurrency?

In the edited highlights from the FT Weekend Festival in London, host Claer Barrett invites Stuart to present his portfolio to the FT Money tent, before taking a grilling from inquisitive FT subscribers in the audience.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Money Clinic will be back in 2025 with new episodes. If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on X, Instagram and TikTok. 

Want more?

Read Stuart Kirk’s recent Skin in the game columns, When will emerging stocks finally emerge?, The best way to invest in gold, and more

Listen to Claer and Stuart’s viral mini podcast episode, The Five Minute Investor from Money Clinic: What is a PE ratio?

Check out Claer’s column, What’s the chancellor’s next move going to be with my pension? 

Listen to more episodes of Money Clinic, such as Investment Masterclass: The hunt for global growth stocks, Investment Masterclass: The case for investing in AI, and more.

Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

‘If you can tell a good story,’ says Morgan Housel, ‘you’ll get people to line up and listen to you.’ In this episode of Money Clinic, Morgan shares some of those stories with host Claer Barrett and challenges us to think differently about our attitude to wealth and wealth creation. This episode is a repeat of a Money Clinic first published in January 2024.

More information on Morgan Housel and his books: https://www.morganhousel.com/

Follow Claer on social media @Claerb 

Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read the transcript of this episode which was first aired in January 2024 on FT.com

Hosted on Acast. See acast.com/privacy for more information.

With a £22bn ‘black hole’ in the public finances, the new chancellor Rachel Reeves has difficult decisions to make ahead of Labour’s autumn Budget next month. How might this hole be plugged, and where might tax rises land? In this episode, Dan Neidle, founder of think-tank Tax Policy Associates and former head of tax at Clifford Chance, considers which tax-raising levers the chancellor might pull on October 30, and puts forward a case for fairer, growth-focused tax policy.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok. 

Want more?

Check out Claer’s column, What’s the chancellor’s next move going to be with my pension? 

Listen to more episodes of Money Clinic, such as What will the UK election mean for your money?, Isa season: how to build tax-free wealth, and more.

Presented by Claer Barrett. Produced by Tamara Kormornick with help from Mischa Frankl-Duvall. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

In an increasingly cashless society, how can parents ensure children learn healthy financial habits? In this episode, host Claer Barrett speaks to Sheila Bair, author of the Money Tales children’s book series and former chair of the US Federal Deposit Insurance Corporation, about instilling children with sensible attitudes to money - and reveals details of her next book, How Not to Lose a Million Dollars. 

For a chance to win a pair of Bose QuietComfort 35 Wireless Headphones,share your thoughts on the show with us via a short survey before August 29 2024 (terms and conditions can be found here).

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.

Want more?

Check out Claer’s column, Widowed pensioners ‘could be owed thousands’ in UK state pension.

Listen to more episodes, such as How can I cut the cost of my insurance cover?, Can financial therapy change our relationship with money?, and more.

Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner and Samantha Giovinco, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

When FT columnist Miranda Green lost her father, she expected the grief to be long-lived. What she didn’t expect was that she would still be attempting to settle her father's financial affairs nearly a year later with multiple calls to banks, building societies, insurers and utility companies. 

In an episode which first aired last September, Miranda tells presenter Claer Barrett about her experiences dealing with inconsiderate call handlers and poor processes in the private sector. Claer puts Miranda’s concerns to Eric Leenders, the director of personal finance at UK Finance, the trade body that represents about 300 financial services organisations. What are they doing to address the problem? 

Want more? 

Listen to the second part of this series,Help! My parents are being targeted by scammers

Read Miranda Green’s article for free: Sadmin - the side hustle nobody wants

Services mentioned in the podcast: 

https://www.gov.uk/after-a-death/organisations-you-need-to-contact-and-tell-us-once

https://www.mylostaccount.org.uk

https://www.deathnotificationservice.co.uk

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.

Want more?

Check out Claer’s column, Widowed pensioners ‘could be owed thousands’ in UK state pension.

Listen to more episodes, such as How can I cut the cost of my insurance cover?, Can financial therapy change our relationship with money?, and more.

Presented by Claer Barrett. Produced by Philippa Goodrich and Laurence Knight. Our executive producer is Manuela Saragosa. Sound design by Breen Turner and Samantha Giovinco, with original music from Metaphor Music.

Read the transcript of this episode which was first aired last September on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Barbie is a big spender and high earner, fast approaching the age of retirement. But after a long and varied career that has seen her build a portfolio of multiple dreamhouses and a low-commitment, long-distance relationship with casual boyfriend Ken, what financial advice should she be looking for? 

In this Headlinemoney award-winning episode of Money Clinic, first aired in August 2023, presenter Claer Barrett is joined in the studio by wealth manager Christine Ross from Handelsbanken and FT personal finance columnist Moira O’Neill, who share their tips on everything from prenups to investing. 

Clips: Warner Bros

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.

Want more?

Check out Claer’s column, How the ‘single tax’ can break financial resilience.

Listen to more episodes, such as Should I get a prenup?, Investment Masterclass: The hunt for global growth stocks, and more. 

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Prenuptial agreements are no longer just for Hollywood power couples such as Jay Z and Beyoncé — they’re on the rise in the UK too. Host Claer Barrett sits down with family lawyer Richard Hogwood from Stewarts Law to discuss the legal status of prenups as well as the recent influx of requests at his firm, and quizzes James Brookner, founder of the online-platform Wenup, on an affordable route to drafting a prenup. Also in the Money Clinic studio are newly weds-to-be Steve and Georgina, who explain why they decided on a prenup and how they navigated the tricky conversation around it.

For a chance to win a pair of Bose QuietComfort 35 Wireless Headphones,share your thoughts on the show with us via a short survey before August 29 2024 (terms and conditions can be found here).

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok. 

Want more?

Check out Claer’s column, How the ‘single tax’ can break financial resilience

Listen to more episodes of Money Clinic on the topic, such as The finances of moving in together, How can we stop arguing about money?, and more.

Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with help from Jake Fielding, and the original music is from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Isabel Berwick, host and editor of the FT’s Working It podcast and newsletter, has spent the last year writing The Future-Proof Career, a book about how to thrive at work, now and in the future. In April, she held a launch event at Daunt Books, where she spoke to Money Clinic’s Claer Barrett, the FT’s consumer editor, about what she learned in the process. This is an edited version of a Working It episode that aired in May.

For a chance to win a pair of Bose QuietComfort 35 Wireless Headphones,share your thoughts on the show with us via a short survey before August 29 2024 (terms and conditions can be found here).

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok. 

Want more?

Catch Isabel on the FT’s Working It podcast, read her latest newsletter, Keeping teams calm in turbulent times, and follow her on LinkedIn.

Read more Work & Careers articles from the FT, such as Five secrets of workplace success, and Can AI make brainstorming less mind-numbing?

Check out Claer’s column, How the ‘single tax’ can break financial resilience

Listen to more episodes of Money Clinic, such as Money Clinic live: How to get a pay rise.

Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

The cost of insurance premiums is rising to record highs, but levels of customer service are falling for customers who end up having to make a claim, according to a new report. The consumer group, Which? has found that almost half of those claiming on home, car or travel insurance policies in the past few years have experienced at least one problem, as the volume of complaints linked to claims handling soars. Host Claer Barrett sits down with Sam Richardson, the deputy editor of Which? Money and Ian Smith, the FT’s insurance correspondent, to find out why insurance has become such a minefield for consumers, and how to reduce the cost of premiums without compromising the quality of cover.

Links: 

Money Helper: https://www.moneyhelper.org.uk/en

British Insurance Brokers’ Association: https://www.biba.org.uk/

For a chance to win a pair of Bose QuietComfort 35 Wireless Headphones,share your thoughts on the show with us via a short survey before August 29 2024 (terms and conditions can be found here).

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok. 

Want more?

Read Ian Smith’s FT Money cover story, What’s driving the car insurance crisis?

Check out Claer’s column, How the ‘single tax’ can break financial resilience

Listen to more episodes of Money Clinic on the topic, such as Am I paying too much for insurance?, Finance tips for freelancers, insurance pitfalls and how to write the perfect 'to do this', and more.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

When it comes to growth investing, big US tech stocks are the prime example. However, professional investors are looking to diversify into other areas of global stock markets, seeking out fast-growing companies of the future.This week, Claer sits down with fund manager James Thomson, who has managed the £4bn Rathbone global opportunities fund for 20 years. In this episode, he shares the ingredients for his “special sauce” to investing in growth stocks, his biggest mistakes and the core lessons he has learned from weathering several economic crises.

Links: 

The Five Minute Investor from Money Clinic: Magnificent Seven

Money Clinic’s Investment Masterclass: The case for investing in AI

For a chance to win a pair of Bose QuietComfort 35 Wireless Headphones,share your thoughts on the show with us via a short survey before August 29 2024 (terms and conditions can be found here).

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok. 

Want more?

Check out Claer’s column, Could AI make you a better investor?

Listen to more investment masterclasses from Money Clinic, such as WTF are ETFs, Do sneakers deserve a place in your investment portfolio?, and more.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Over the past decade, collectible sneakers have crept to multi-billion dollar market status, but can they really be considered investments? In this episode, presenter Claer Barrett checks in with Unhedged podcast co-host and aspiring sneakerhead Rob Armstrong for his take on these alternative alternative investments, and later hears about the world’s first managed sneaker fund, Always Legit, asking co-founder and COO Howie Schwartz the burning question: are sneakers investable in the long run?

For a chance to win a pair of Bose QuietComfort 35 Wireless Headphones,share your thoughts on the show with us via a short survey before August 29 2024 (terms and conditions can be found here).

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok. 

Want more?

Watch the FT video report,How sneaker fans are cashing in on the $2bn resale market for limited edition trainers.

Check out Claer’s column, Could AI make you a better investor?

Listen to more episodes of Money Clinic, such as The case for investing in AI, WTF are ETFs?, and more.

Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

It’s easy to harbour regrets about poor financial decisions, but this week’s guest has decided to do what many wouldn’t dare: air her mistakes in public on a national tour. Presenter Claer Barrett speaks with comedian Lucy Porter, best known for her appearances on QI, Have I Got News For You and EastEnders, about her biggest money regrets and more, and the many, many laughs along the way. Clip: BBC 

Catch Lucy on her national tour of No Regrets and listen to her podcast, Fingers on Buzzers.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok. 

Want more?

Check out Claer’s column, What I wish I’d known before my smartphone was snatched.

Listen to more episodes, such as Money Clinic meets Joe Lycett, Credit Card Clinic: How to get on top of your debts in 2024, and more.

Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Regardless of which political party wins the UK general election on July 4, voters fear they will have to pay more taxes. Taxes are the crucial battleground in the run-up to polling day, and experts question whether manifesto pledges can be delivered without raising them. What aspects of our personal finances could be affected - and could a change of leadership potentially be beneficial for investors in UK stocks? In this episode, host Claer Barrett discusses what could happen next with Miranda Green, the FT’s deputy opinion editor; Nimesh Shah, chief executive of advisory firm Blick Rothenberg and Moira O’Neill, an FT investing columnist. Clips: LBC, Labour Party

Links to articles mentioned in the show:

Blue Wall vulnerable to tactical voting as natural Conservatives turn against party

The hunt for good-value UK stocks

Wealthy foreigners step up plans to leave UK as taxes increase

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' atFT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok. 

Want more?

Check out Claer’s column, What I wish I’d known before my smartphone was snatched.

Listen to more episodes, such as Tax cuts: will they or won’t they?, The bonus secrets of Financial Times readers, and more.

Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Prepare to take a seat on the therapist’s couch and discover what your money habits say about you. In this episode, host Claer Barrett sits down with the UK’s first financial therapist, Vicky Reynal whose new book, Money on Your Mind: The Psychology Behind Your Financial Habits, aims to help people untangle problematic aspects of their relationship with money. They discuss the symbolic nature of money, what can make one person a spender and another a saver, and how equipping yourself with this knowledge can empower you to change negative behaviours around money.

Want more?

Check out Claer’s column, What I wish I’d known before my smartphone was snatched.

Listen to more episodes, such as Money and relationships: a crash course, Investment masterclass: The psychology of money, The high cost of being a wedding guest, and more.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok. 

Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

When we talk about the relative value of our investments, PE ratios are never far away from the conversation - but what does this mean, and what exactly goes into this calculation? In the latest episode of our Five Minute Investor miniseries, FT consumer editor Claer Barrett challenges FT investment columnist Stuart Kirk to break down the ‘price’ and ‘earnings’ parts of the equation, and elucidate on other ways the PE ratio is used by investors to benchmark the relative value of different shares and other assets in their portfolio. 

Tune in every Tuesday to catch the latest episode of the Five Minute Investor, and subscribe to Money Clinic wherever you get your podcasts. If you would like Claer to demystify an investment term, email the team at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Want more?

Check out Claer’s column, Have you got five minutes to talk about investing?

Read Stuart Kirk’s latest Skin in the Game column for free.

Listen to Money Clinic’s Investment Masterclasses, such as Stuart Kirk has ‘skin in the game’, ‘Money is basically a fiction’, and more.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

With a string of companies preparing to launch stock market listings on both sides of the Atlantic, investors may be tempted to invest in an IPO. But when companies stage an initial public offering, what are the factors to consider? In our new miniseries, The Five-Minute Investor, consumer editor Claer Barrett challenges Rob Armstrong, co-host of FT’s Unhedged podcast and author of the Unhedged newsletter, to explain why companies go public, and the risks of getting carried away with investing on the first day of public trading.

Tune in every Tuesday to catch the latest episode of The Five-Minute Investor, and subscribe to Money Clinic wherever you get your podcasts. If you would like Claer to demystify an investment term, email the team at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Want more?

Listen to Unhedged wherever you get your podcasts, read Rob Armstrong’s latest Unhedged newsletter, and sign up to a free 30-day trial of the Unhedged newsletter: https://www.ft.com/unhedgedoffer. 

Check out Claer’s column, Have you got five minutes to talk about investing?

Listen to Money Clinic’s Investment Masterclasses, such as An insider's view of the City of London, What’s one of the world’s leading investors buying?, and more.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Like an interest rate on a savings account, investment yields show us how much income different investments are able to generate. But how are yields calculated, and how can they measure the returns on different types of investments including shares, bonds and property? 

In our new miniseries, The Five-Minute Investor, consumer editor Claer Barrett asks FT markets columnist and Unhedged co-host Katie Martin to give practical examples of how yields can be used as a benchmark for different assets, and how to interpret the story behind the numbers.

Tune in every Tuesday to catch the latest episode of The Five-Minute Investor, and subscribe to Money Clinic wherever you get your podcasts. If you would like Claer to demystify an investment term, email the team at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse.

Want more?

Listen to Unhedged wherever you get your podcasts, and read Katie Martin’s column on the topic, How the humble dividend might rise again.

Check out Claer’s Lunch with investor and ‘Dragon’s Den’ star Deborah Meaden.

Listen to Money Clinic’s investment masterclasses, such as Deborah Meaden on her life in business, An insider's view of the City of London, and more.

Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Global stock markets are charging along breaking record after record — but what’s driving this ‘bull market’ and how much longer can it last? Plus, what could it mean for investors if a ‘bear market’ awakens from hibernation? In our new miniseries, The Five-Minute Investor, consumer editor Claer Barrett challenges Rob Armstrong, co-host of FT’s Unhedged podcast and author of the Unhedged newsletter, to explain the factors that drive bull and bear markets, and if individual investors should reconsider their strategy.

Links:

Free pound cost averaging calculator: https://www.hl.co.uk/tools/calculators/regular-investing-calculator

Free dollar cost averaging calculator: https://www.buyupside.com/calculators/dollarcostave.php

Tune in every Tuesday to catch the latest episode of The Five-Minute Investor, and subscribe to Money Clinic wherever you get your podcasts. If you would like Claer to demystify an investment term, email the team at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Want more?

Listen to Unhedged wherever you get your podcasts, read Rob Armstrong’s Unhedged newsletter on the topic, A better bull market?, and sign up to a free 30-day trial of the Unhedged newsletter: https://www.ft.com/unhedgedoffer. 

Check out Claer’s column, Have you got five minutes to talk about investing?

Listen to Money Clinic’s Investment Masterclasses, such as An insider's view of the City of London, What’s one of the world’s leading investors buying?, and more.

Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

‘The two most powerful warriors are patience and time,’ Leo Tolstoy once wrote. But how can this make you a richer investor? The answer is compounding, and in our new miniseries, The Five-Minute Investor, consumer editor Claer Barrett challenges Bobby Seagull, the TV star and mathematics teacher, to demonstrate how compounding can power up our long-term investments. 

Tune in every Tuesday to catch the latest episode of The Five-Minute Investor, and subscribe to Money Clinic wherever you get your podcasts. If you would like Claer to demystify an investment term, email the team at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.

Try out a compound interest calculator, and read more about INC and ACC funds.

Take a look at MoneySavingExpert’s credit card minimum repayment calculator.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Want more?

Check out Claer’s column, Why do we think we can beat the market?

Listen to Money Clinic’s Investment Masterclasses, such as An insider's view of the City of London, What’s one of the world’s leading investors buying?, and more.

Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Share buybacks have been in the news as Apple announced what would be the largest buyback in US history. But why is the US tech giant purchasing $110bn of its own shares, and cancelling them? In the latest episode of our Five Minute Investor miniseries, FT consumer editor Claer Barrett quizzes FT investment columnist Stuart Kirk on why more and more companies are doing this — and how investors can benefit. 

Tune in every Tuesday to catch the latest episode of the Five Minute Investor, and subscribe to Money Clinic wherever you get your podcasts. If you would like Claer to demystify an investment term, email the team at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Want more?

Check out Claer’s column, Have you got five minutes to talk about investing?

Read Stuart Kirk’s latest Skin in the Game column for free.

Listen to Money Clinic’s Investment Masterclasses, such as Stuart Kirk has ‘skin in the game’, ‘Money is basically a fiction’, and more.

Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

In the age of the smartphone, it’s never been easier to buy an investment — but how quickly can you sell one, and how might this affect the price? In our new miniseries, The Five Minute Investor, consumer editor Claer Barrett challenges investment commentator Justin Urquhart-Stewart to explain why liquidity should be at the forefront of every investor’s mind.

Tune in every Tuesday to catch the latest episode of the Five Minute Investor, and subscribe to Money Clinic wherever you get your podcasts. If you would like Claer to demystify an investment term, email the team at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Want more?

Check out Claer’s column, Why do we think we can beat the market?

Listen to Money Clinic’s Investment Masterclasses, such as An insider's view of the City of London with today’s guest Justin Urquart-Stewart, What’s one of the world’s leading investors buying?, and more.

Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

The Magnificent Seven could make up a much bigger slice of your own portfolio than you realise, but what are these seven stocks, and why are they so dominant? In our new miniseries The Five Minute Investor, consumer editor Claer Barrett challenges FT markets columnist Katie Martin to explain the hype around these gigantic US stocks.

Tune in every Tuesday to catch the latest episode of the Five Minute Investor, and subscribe to Money Clinic wherever you get your podcasts. If you would like Claer to demystify an investment term, email the team at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Want more?

Read Claer’s recent column that looked at how exposed the index funds in her portfolio were to the Magnificent Seven - and if this was a good or bad thing: free to read link here 

Check out Katie Martin’s most recent FT column, which looks at how the Magnificent Seven share prices are coming under pressure: free to read link here 

Listen to more episodes of Money Clinic, such as The case for investing in AI, WTF are ETFs?, and more.

Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

‘If I try to put myself back into the shoes of me as a 21-year-old, all I can tell you is this: I was hungry,’ writes Gary Stevenson in his recently released memoir, The Trading Game, which tells the story of how the son of a Post Office worker briefly became the highest-paid trader working on Citi’s bond trading floor at London’s Canary Wharf. He sits down with host Claer Barrett to talk about what he learned about trading and how the wider economy works – and why he’s worried.

Find Gary @garyseconomics on YouTube, X, Facebook, Instagram and TikTok. Read Gary Stevenson’s recent FT Magazine profile by Miles Ellingham.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse. 

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on X, Instagram and TikTok. 

Want more?

Check out Claer’s column, The hunt for good value UK stocks.

Listen to more episodes, such as Investment Masterclass: An insider's view of the City of London, Investment masterclass: what’s one of the world’s leading investors buying?, and more. 

Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Introducing Money Clinic’s Five Minute Investor, a miniseries hosted by Claer Barrett, the FT’s consumer editor. In each episode, Claer challenges top financial commentators to break down financial jargon in just five minutes, making you a smarter, and hopefully richer, investor. Tune in every Tuesday, and subscribe to Money Clinic wherever you get your podcasts. If you would like Claer to demystify an investment term, email the team at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Hosted on Acast. See acast.com/privacy for more information.

The main stock index in the UK, the FTSE 100, includes some of the biggest and most profitable multinational companies in the world. But in recent years the index has trailed the US markets and is now considerably cheaper. In this episode of the FT’s Unhedged podcast, introduced by Money Clinic’s Claer Barrett, reporters Ethan Wu and Rob Armstrong ask if investors are overlooking a bargain. 

Want more?

Read Claer Barrett’s latest FT article, The hunt for good value UK stocks. 

Find Unhedged wherever you get your podcasts, and enjoy a free 30-day trial of the Unhedged newsletter (free for FT Premium subscribers). Follow Ethan Wu (@ethanywu), Robert Armstrong (Katie Martin (@katie_martin_fx) on X. You can email Ethan at ethan.wu@ft.com.

Listen to more Money Clinic episodes, such as How an ISA millionaire chooses stocks, Investment Masterclass: Nick Train on the case for investing in UK shares, and more. 

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on X, Instagram and TikTok. 

Unhedged is produced by Jake Harper and edited by Bryant Urstadt. The executive producer is Jacob Goldstein. We had additional help from Topher Forhecz. Cheryl Brumley is the FT’s global head of audio. Special thanks to Laura Clarke, Alastair Mackie, Gretta Cohn and Natalie Sadler.

Hosted on Acast. See acast.com/privacy for more information.

Deborah Meaden, star of the hit BBC show “Dragons’ Den” is one of the highest-profile investors in the UK, famed for grilling entrepreneurs who want to secure financial backing for their businesses. In this episode of Money Clinic, first aired in October 2023, Deborah speaks to host Claer Barrett about how she goes about picking which companies to invest in, her commitment to green investment choices and her latest book,“Why Money Matters”, which explains money and finance to children. 

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on X, Instagram and TikTok. 

Want more?

Check out Claer’s column, The hunt for good value UK stocks.

Listen to more episodes, such as Can ESG investing really change the world?, How can I scale up my side hustle? and more. 

Links:

https://makemymoneymatter.co.uk/

https://ftflic.com/

Clip: BBC

Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Hosted on Acast. See acast.com/privacy for more information.

With just days to go until the end of the tax year, it’s peak season for British savers and investors to make the most of their £20,000 annual Isa allowance before it renews on April 6. Whether you’re a beginner or a more seasoned investor, this episode clearly explains the tax benefits of Isas, how these work in practice and some common investment strategies. Host Claer Barrett breaks down the different types of Isas with FT Money columnist Moira O’Neill and Timi Merriman-Johnson, the financial educator and content creator better known online as Mr MoneyJar. In the edited highlights from an FT webinar, the panel shares tips about everything from getting started and choosing the right platform to asset allocation and ensuring your Isa portfolio is diversified. 

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok. 

Want more?

Check out Claer’s column, Why I’m sticking with my passive Isa strategy

Listen to more episodes, such as How an ISA millionaire chooses stocks, Investment Masterclass: Isa investing is changing, and more. 

Links:

https://www.pimfa.co.uk/

https://www.boringmoney.co.uk/

https://compareandinvest.co.uk/

Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Hot on the heels of a UK Budget announcement that promised to boost the childcare offer for working families, host Claer Barrett marks International Women’s Day by speaking to a panel of experts about the true cost of childcare, and how investing in this “essential infrastructure” could boost the UK economy as well as helping to close the gender pay and gender pensions gap.

On the panel are ‘Flex Appeal’ campaigner Anna Whitehouse, known to her social media audience as Mother Pukka, Joeli Brearley, childcare campaigner and founder of the charity ‘Pregnant Then Screwed’, and Maike Currie, who spearheads Hargreaves Lansdown’s ‘Financially Fearless’ female investing campaign. This episode is a recording of an event organised by FLIC, the FT’s financial literacy and inclusion campaign.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

For more on FLIC, see www.ftflic.com 

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Want more?

Check out Claer’s column, What women want their financial future to look like.

Listen to more episodes, such as Mind the gap! What women need to know about investing, Childcare in crisis and more.

Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Chancellor Jeremy Hunt has delivered a £10bn tax-cutting Budget, promising to create a “new generation of investors” — but what does he actually have in store for our personal finances? Host Claer Barrett is joined by an expert panel to discuss tax changes coming in April, with higher-earning working parents set to see the biggest boost. Armed with direct guidance from HMRC, Miranda Green, the FT’s deputy opinion editor and Rafe Uddin, FT politics reporter, talk us through changes to child benefit, and whether plans for a new “UK Isa” and a retail offering of NatWest shares this summer will really boost the fortunes of London’s stock market — and of investors. They’re joined by Carl Emmerson, deputy director of the Institute for Fiscal Studies, who sets out what people on different salary bands can expect to see from the second cut to national insurance — plus what tax policies the opposition Labour party might be thinking up after Hunt shamelessly borrowed some of its biggest ideas. 

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Want more?

For a full guide to tax changes, read this FT Weekend piece: Will the Budget leave you better off? 

Listen to more episodes, such as Tax cuts: will they or won’t they?, When is a tax cut not a tax cut? The Autumn Statement digested and more.

Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Investors are expecting artificial intelligence to power the next tech revolution - but are they right? Positive numbers from AI chipmaker Nvidia have powered a global stock market rally in recent weeks, with valuations of the so-called Magnificent Seven soaring as AI enters the mainstream. In this episode, Claer sits down with “AI maximalist” Ben Rogoff, lead fund manager of the £3.5bn Polar Capital Technology Trust. With more than 80 per cent of his fund’s underlying investments aimed at capturing future growth from AI, he explains what’s informing his investment strategy and responds to fears of a valuation bubble. He also shares with Money Clinic listeners why “odd” behaviour from tech leaders could be a sign that change is happening faster than markets think.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Want more?

Check out Claer’s column, Overheard in the newsroom: who will be this year’s Budget winners?

Listen to more investor masterclasses, such as What’s in your global tracker fund?, Four ways to beat the market and more.

Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Most people know that you need a good credit score to be able to borrow money, but how to start building one is a mystery. First aired in June 2022, in this episode of Money Clinic, host and FT consumer editor Claer Barrett sits down with listener Emma, 22, who has never been in debt before, aside from her student loans. Emma has heard that getting a credit card could increase her chances of taking out a mortgage in the future, but before she applies for one, what does she need to consider? In this episode, Claer gives Emma’s credit score an MOT with help from Katie Watts, a consumer expert at moneysavingexpert.com, and debt adviser Sara Williams, who runs the Debt Camel blog. Together, they explain the hidden world of credit scores, credit files and tips on how to use credit responsibly, as well as offer tips on how to improve your credit score — and why this might be worth doing.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.

Want more?

Check out Claer’s column, A dating app with credit scores: what’s not to love?

Listen to more episodes, such as Credit scores: when a small debt becomes a big problem, Should I pay off my student loan early?, and more. 

Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Hosted on Acast. See acast.com/privacy for more information.

This bonus season, will the UK’s top earners invest their payouts tax-efficiently into pensions and Isas, or use them to pay down debts? In this episode, Money Clinic host Claer Barrett and FT communities editor Lucy Warwick-Ching discuss key findings from nearly 3,000 responses to the FT’s annual anonymous bonus survey. They are joined by Nimesh Shah, the tax expert and CEO of advisory firm Blick Rothenberg, and financial planner Adam Walkom, partner at Permanent Wealth Partners and author of Plan For Happy. Even if you’re not lucky enough to receive a bonus this year, learning what other FT readers plan to do with theirs provides some valuable – if enviable – financial insights. 

Read Claer and Lucy’s full breakdown of this year’s FT readers’ bonus survey, Pay out or doughnut? FT readers’ bonus secrets

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Follow Claer on social media @Claerb and contact the Money Clinic team via money@ft.com

Want more?

Check out Claer’s column, A dating app with credit scores: what’s not to love?

Listen to more episodes on bonuses and tax, such as Should I save, spend or invest my bonus?, When is a tax cut not a tax cut? The Autumn Statement digested, and more.

Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

The viral ‘finfluencer’ Clare Seal, better known by her handle, My Frugal Year, to her almost 120,000 Instagram followers, is known for her compassionate approach to managing debt. Having cleared £27,000 of credit card debt, the author and financial coach sat down with host Claer Barrett to share practical tips on how to start repaying debt, manage the cost of parenthood and address feelings of shame surrounding indebtedness.

If you need to speak to someone about your debts, please seek advice from free debt advice charities such as the National Debt Line and Step Change. 

This episode contains a mention of suicide. If you are in need of urgent mental health support, please contact your local emergency services or reach out to a mental health helpline, such as the Samaritans.

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Follow Claer on social media @Claerb and contact the Money Clinic team via money@ft.com

Want more?

Check out Claer’s column, A dating app with credit scores: what’s not to love?

Listen to more episodes on financial planning, such as How to Sort Your Financial Life Out in 2024, Credit Card Clinic: How to get on top of your debts in 2024, and more.

Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Will taxes rise or fall in next month’s Spring Budget? Host Claer Barrett visits the recently appointed financial secretary to the Treasury, Nigel Huddleston. He addresses the topic of tax cuts as well as listener concerns about static personal allowance thresholds, reduced entitlements to child benefit and ISA withdrawal penalties. 

Back in the studio, FT’s Whitehall editor and Political Fix podcast host Lucy Fisher joins Claer to scratch beneath the surface of the minister’s comments on progressive tax policy in light of the IMF’s latest warning to chancellor Jeremy Hunt not to lower taxes. The two also discuss the national insurance reduction, the future of Lifetime ISAs and the importance of appealing to younger voters in the run-up to the election.

Read the full news story here. 

For tips on how to organise your money, sign up to email series Sort Your Financial Life Out With Claer Barrett at FT.com/moneycourse

Follow Claer on social media @Claerb and contact the Money Clinic team via money@ft.com

Want more? 

Check out economics editor Sam Fleming’s article, IMF warns Jeremy Hunt against tax cuts in call to shore up UK public finances

Listen to more episodes on tax, such as When is a tax cut not a tax cut? The Autumn Statement digested, Understanding economics: why it matters for your money, and more.

Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

The broadcaster and investment commentator, Justin Urquhart-Stewart, is well-known to millions for wearing bright red braces during his many TV appearances explaining the ups and downs of the investment world. The co-founder and former director of Seven Investment Management sat down with host Claer Barrett to recount his decades-long City career, during which time the ability for retail investors to put their capital to work has become measurably easier - and cheaper. 

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Follow Claer on social media @Claerb and contact the Money Clinic team via money@ft.com

Want more?

Check out Claer’s column, Why do we think we can beat the market?

Listen to more investment masterclasses, like How and ISA millionaire chooses stocks, Four ways to beat the market and more.

Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Niamh is 24 but she wants to make sure she’s in a financially stable position when she is older. How should she go about saving and investing for her long-term future? Presenter Claer Barrett is joined by Holly Mackay, founder of Boring Money, and financial planner Michael Martin, founder of Cannizaro, who discuss the pros and cons of private and workplace pensions, Lifetime Isas, mortgage overpayments and index investing.

Want more?

Check out Claer’s column: Why do we think we can beat the market?

For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Follow Claer on social media @Claerb and contact the Money Clinic team via money@ft.com

Presented by Claer Barrett. Produced by Philippa Goodrich and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Introducing Untold, a new podcast from the special investigations team at the Financial Times. In its first series, The Retreat, host Madison Marriage examines the world of the Goenka network, which promotes a type of intensive meditation known as Vipassana. Thousands of people go on Goenka retreats every year. People rave about them. But some people go to these meditation retreats, and they suffer. They might feel a deep sense of terror, or a break with reality. And on the other side, they’re not themselves anymore. Untold: The Retreat launches Jan. 24.

Subscribe and listen on:Apple Podcasts,Spotifyor wherever you get your podcasts.

Hosted on Acast. See acast.com/privacy for more information.

Mortgage lenders are cutting their rates. That’s good news for anyone thinking of buying or remortgaging a property. Presenter Claer Barrett and a panel of experts answer questions from listeners looking to switch, lock in a new rate, or wondering whether to go from fixed to variable rate deals. With Andrew Montlake, managing director of Coreco mortgage brokers, mortgage advisor Dan Knott, aka Dan Does Mortgages, and Rachael Sinclair, managing director for mortgages at Nationwide.

For more tips on how to save for a mortgage sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse

Follow Claer on social media @Claerb and contact the Money Clinic team via money@ft.com

Want more?

Read Claer’s column: Why it pays to be picky about mortgage brokers

Barclays and Santader announce cuts to UK mortgage rates

How far will UK mortgage rates fall?

Presented by Claer Barrett. Produced by Philippa Goodrich and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

First aired in September 2022, Claer Barrett takes to the supermarket aisles to find the best tips for keeping the cost of the weekly food shop to a minimum. She hears from Laura Gaga aka Reduction Raider on how and where to find yellow sticker bargains, while Richard Walker, managing director of Iceland supermarkets, explains why his chain has introduced interest-free buy-now-pay-later loans for struggling customers.

Follow Laura Gaga on instagram @reduction_raider1

And if you would like to get in touch with us about your experiences of renting property, please email us at money@FT.com or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTok. 

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. 

Hosted on Acast. See acast.com/privacy for more information.

‘If you can tell a good story,’ says Morgan Housel, ‘you’ll get people to line up and listen to you.’ In this episode of Money Clinic, Morgan shares some of those stories with host Claer Barrett and challenges us to think differently about our attitude to wealth and wealth creation. 

To sign up for Claer's Sort Your Financial Life Out money series, visit FT.com/moneycourse

More information on Morgan Housel and his books: https://www.morganhousel.com/

Follow Claer on social media @Claerb and contact the Money Clinic team via money@ft.com

Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

With the bills rolling in after Christmas, this week’s episode is devoted to helping listeners tackle their credit card debts on a practical and emotional level - no matter how big or small they might be. Host Claer Barrett hears from experienced debt adviser Sara Williams of the popular Debt Camel blog and Instagram account, Helen Saxon, deputy editor of Money Saving Expert, and Dr Pamela Roberts, a shopping addiction specialist at the Priory Clinic. They give tips on balance transfers and on how to resist the urge to splurge. 

To sign up for Claer's Sort Your Financial Life Out money series, visit FT.com/moneycourse

Links: 

Business Debtline here  

Citizens Advice here 

Stepchange here

Debt Camel Blog here

For the MSE Credit card eligibility calculator, gohere 

To listen to the Money Clinic episode about shopping addiction, go here

Follow Claer on social media @Claerb and contact the Money Clinic team via money@ft.com

Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design by Simon Panayi, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

If you’re looking for inspiration for managing your money more effectively in 2024, this episode is for you! Claer Barrett is joined in the FT studio by popular financial experts Bola Sol, Timi Merriman-Johnson aka Mr MoneyJar, and Damien Jordan. Between them they offer a wealth of tips for navigating next year’s expected financial challenges and share their own money stories and strategies.

To sign up for Claer's Sort Your Financial Life Out money course, visit FT.com/moneycourse

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem and how you would like us to help. 

You can follow Claer on X and Instagram @Claerb

Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design by Simon Panayi, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Algy Hall has four strategies for seeking out stocks that will outperform the index, highlighted in his new book Four Ways to Beat the Market. They are: quality, value, income, and momentum. Each one homes in on a very different kind of company – from the undisputed champion to the comeback kid, and from the slow-but-steady to the on-a-roll. Presenter Claer Barrett gets Algy to explain the thinking behind each strategy. The two also reminisce about their time working together as financial journalists at the Investors’ Chronicle, and Algy reveals his unusual polymathic side-gig.

If you would like to sign up to the FT’s new money newsletter course Sort Your Financial Life Out with Claer Barrett, please click here

Find out more about Algy’s book Four Ways to Beat the Markethere

You can listen to the previous Investment Masterclass with Lord John Lee, which Claer mentions in this week’s episode, here.

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

You can follow Claer on X and Instagram @Claerb

Presented by Claer Barrett. Produced by Laurence Knight and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Lord John Lee of Trafford was the first person in the UK to reach £1mn invested in his stocks and shares ISA. He has a clear strategy based around choosing UK smallcap companies that pay dividends. This is another chance to hear him in conversation with presenter Claer Barrett, explaining his investment strategy and how he chooses stocks.

To sign up for Claer's Sort Your Financial Life Out email series, visit this link 

Want more?

My Isa has suffered - but I’m still a firm believer

How to make ISAs even nicer

Investment masterclass: ISA investing is changing

If you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.  

Say hello on social media: you can follow Claer on Twitter and Instagram @Claerb 

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. 

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Global equity funds are a mainstay in most investors’ portfolios, but few peer under the bonnet to examine the gigantic, global companies included in these investments. Host Claer Barrett speaks to veteran investor and FT columnist Simon Edelsten about the ‘Magnificent Seven’ US tech stocks that comprise up to a quarter of the weighting in some global trackers. Can their impressive performance in 2023 continue? Simon considers the potential impact of big global trends including higher inflation, AI and climate change, and answers questions from listeners. 

Free articles

Microsoft will have observer role on Open AI's new board

Tech turkeys and picking AI winners

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

Follow Claer on X, formerly Twitter, and Instagram @Claerb

Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Tax cuts were the centrepiece of the Autumn Statement last week – with national insurance bills set to drop in January for 27mn UK workers – but these savings stand to be wiped out by ‘stealth taxes’. Host Claer Barrett crunches through the numbers and explores the Autumn Statement’s impact on pensions, Isas and other investments, with Katie Martin, the FT’s markets editor and co-presenter of the Unhedged podcast, Sam Fleming, the FT’s economics editor, and Rafe Uddin, the FT’s UK politics reporter. 

Clips: UK Parliament TV

Free links:

Tell Sid all you like - but he might not buy NatWest

The Autumn Statement and your money

Q&A: How will the Autumn Statement affect me?

For related FT podcasts:

UK equity markets have had a torrid time, as our recent Investment Masterclass with UK fund manager Nick Train explores, listen here

Hear Claer and FT editors chat to Political Fix podcast host Lucy Fisher about the speed of tax cuts and the likely timing of the next general election, here 

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

Follow Claer on X and Instagram @Claerb

Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Sean Kovacs McGarrity, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Inflation, interest rates, growth and taxes - they’re terms we hear on the news every day, but what impact do they have on our everyday financial lives? In a Money Clinic episode recorded in front of a live audience at the Bristol Economics Festival, host Claer Barrett hears from Sarah O’Connor, FT columnist and associate editor, and Susannah Streeter, head of money and markets at Hargreaves Lansdown. Plus, the audience pitches in with questions about property, mortgages, student debt and getting started as an investor.

For more information about the Bristol Festival of Economics, go here

For more about the FT’s Financial Literacy campaign, go here

Free links to FT articles:

AI shakes up the way we work in three key industries

Stagnation nation: governing the UK when ‘there is no money’

Low income borrowers hit hardest by Bank of England rate rises

UK households still under pressure despite lowest inflation in 2 years

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

Follow Claer on X, formerly Twitter, and Instagram @Claerb

Presented by Claer Barrett. Produced by Philippa Goodrich, Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

With thanks to Zoe Steadman-Milne of the Bristol Festival of Economics

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Exchange traded funds, or ETFs, have been growing in popularity recently, but as Money Clinic listener Saranya has found, there’s a bewildering array of different types of ETFs to choose from. In an episode first aired earlier in 2023 presenter Claer Barrett is joined in the studio by Dave Baxter, funds editor at the Investors’ Chronicle, and Lynn Hutchinson, head of ETF and index solutions at investment manager Charles Stanley. They unpick the many different types of ETFs, how to use them to build an investment portfolio and what to look out for in terms of fees.

Want more?

Top 50 ETFs 2023: The best ETFs to buy 

If you live near Bristol, there’s still time to grab a ticket to Money Clinic’s LIVE recording at the Bristol Festival of Economics on Thursday, November 16th, where Claer will be talking inflation, money and markets with Sarah O’Connor, the FT columnist, and Susannah Streeter, financial expert from Hargreaves Lansdown. Get your ticket here

If you'd like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem and how you would like us to help. 

You can follow Claer on Instagram and X @Claerb

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Hosted on Acast. See acast.com/privacy for more information.

Are UK shares a bargain or a basket case? Nick Train has been an investment manager for more than 40 years and is renowned for sticking with his choices even if markets go against him. The man who’s been dubbed the UK’s answer to Warren Buffett tells host Claer Barrett why he has faith that shares in unloved UK companies will bounce back, even after years of underwhelming performance. Plus, he reveals why he seized the chance to secure a significant stake in Manchester United and why he’d like more young people to ditch sports betting in favour of having a flutter on the stock market.

Free links:

Nick Train says UK equities could stay cheap ‘for a very long time’ 

Lindsell Train suffers as consumer bets fall flat 

Nick Train ups his stakes in Pearson and Manchester United 

And if you’d like to join our live recording in Bristol on November 16:

https://www.bristolideas.co.uk/attend/money-clinic-with-claer-barrett/

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem and how you would like us to help. 

Follow Claer on Instagram and X @Claerb

Presented by Claer Barrett. Produced by Philippa Goodrich and Mischa Frankl-Duval. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Back in 2010, Money Clinic listener Kalyanbought an iPad with a monthly 3G subscription. Thirteen years later, that long-forgotten purchase might stop him from getting a decent rate on his mortgage. It’s a story that shines a light on how credit rating agencies score you and how things can easily go wrong. Host Claer Barrett hears from Sara Williams, who runs Debt Camel, a blog and popular Instagram account, as well as James Jones, head of consumer affairs at Experian, one of the UK's main credit reference agencies. 

Want more? Free links:

UK watchdog calls for reform of credit rating market

How to improve your credit score 

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

Follow Claer on X, formerly Twitter, and Instagram @Claerb

Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Deborah Meaden, star of the hit BBC show Dragons' Den, is one of the highest-profile investors in the UK, famed for grilling entrepreneurs who want to secure financial backing for their businesses. She speaks to presenter Claer Barrett about how she goes about picking which companies to invest in, her commitment to green investment choices and about her new book, Why Money Matters, which explains money and finance to children. 

Want more? Free links:

What Rishi Sunak’s net zero overhaul means for UK emissions

ESG ratings: whose interest do they serve?

And mentioned in the show:

https://makemymoneymatter.co.uk/

https://ftflic.com/

Clip: BBC

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

Follow Claer on X, formerly Twitter, and Instagram @Claerb

Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Isas, or individual savings accounts, in the UK are tax-free vehicles that have made millions of investors richer since their launch in 1999. The government is now considering a shake-up that would simplify “a complex landscape” of Isa products - but questions have been raised about fractional shares, which are traded by tens of thousands of younger investors. Host Claer Barrett discusses the basics of using Isas to save and invest, as well as what the government might have in store, with Jason Hollands, managing director of the online investment platform Bestinvest, Sarah Coles, head of personal finance at Hargreaves Lansdown and Brian Byrnes, head of personal finance at the savings and investment app, Moneybox.

The Money Clinic podcast is a general discussion around financial topics and does not constitute an investment recommendation or individual financial advice. For that, you'll need to find an independent financial adviser.

Want more? Free links:

HMRC clashes with young investors over Isa rules 

Don’t lose the exponential benefits of fractional share trading

Jeremy Hunt plans Isa overhaul to boost share ownership

How to make Isas even nicer

Time for Isa investors to hold fractional shares

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

Follow Claer on X, formerly Twitter, and Instagram @Claerb

Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

The renowned economist and investor Mohamed El-Erian is chief economic adviser at Allianz, the parent company of Pimco, one of the world's leading providers of bonds and fixed-income investments. He’s also a contributing editor at the Financial Times, but his smiling byline photo on his weekly columns about the global economy is often at odds with the warnings and predictions he makes. He tells host Claer Barrett why he’s taking a wait-and-see approach to equities and gives his take on investment strategies in a high-inflation environment. Revealing some of the solutions to world problems in his latest book, Permacrisis, he also explains how a telling-off from his daughter was behind his decision to quit a top job.

The Money Clinic podcast is a general discussion around financial topics and does not constitute an investment recommendation or individual financial advice. For that, you'll need to find an independent financial adviser.

Want more? Free links: 

For the FT’s review of Mohamed El-Erian’s book, Permacrisis, see here

The plight of the ‘permacrisis’ and what to do about it

Investors should still expect a bumpy road ahead

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

Follow Claer on X, formerly Twitter, and Instagram @Claerb

Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

It's hard enough sorting out the personal finances of a loved one who’s died. It’s even more painful when you suspect they’ve been targeted for their vulnerability. In the second of Money Clinic’s two-part series about what’s been called ‘sadmin’, the FT’s Miranda Green tells host Claer Barrett about the nasty surprises that she uncovered in her father’s personal finances after he died. Miranda found her Dad had been targeted by brokers selling him pointless insurance products, while her Mum had become the victim of several fraud attempts. So what are regulators and campaigners doing to protect vulnerable people from predatory selling tactics and scams?

Want more? Free link:

Sadmin - the side hustle nobody wants

Services mentioned in this 2-part series:

https://www.gov.uk/after-a-death/organisations-you-need-to-contact-and-tell-us-once

https://www.mylostaccount.org.uk/

https://www.deathnotificationservice.co.uk/

Telephone preference service: www.tpsonline.org.uk

Information commissioner’s office: https://ico.org.uk/

https://www.ageuk.org.uk/information-advice/money-legal/scams-fraud/

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

Follow Claer on X, formerly Twitter, and Instagram @Claerb

Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

When FT columnist Miranda Green lost her father, she expected the grief to be long-lived. What she didn’t expect was that she would still be attempting to settle her father's financial affairs nearly a year later with multiple calls to banks, building societies, insurers and utilities. She tells presenter Claer Barrett about her experience of inconsiderate call handlers and poor processes in the private sector and Claer puts Miranda’s concerns to Eric Leenders, the director of personal finance at UK Finance, the trade body that represents about 300 financial services organisations. What are they doing to address the problem?

Want more? Free link:

Sadmin - the side hustle nobody wants

Services mentioned in the podcast:

https://www.gov.uk/after-a-death/organisations-you-need-to-contact-and-tell-us-once

https://www.mylostaccount.org.uk/

https://www.deathnotificationservice.co.uk/

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

Follow Claer on X, formerly Twitter, and Instagram @Claerb

Presented by Claer Barrett. Produced by Philippa Goodrich and Laurence Knight. Our executive producer is Manuela Saragosa. Sound design by Breen Turner and Samantha Giovinco, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

It’s a year since Liz Truss and Kwasi Kwarteng’s mini-Budget sent the property market into a tailspin. No sooner had house prices begun to recover than they were dealt another blow by higher-than-expected inflation figures. At the recent FT Weekend Festival, the FT’s House and Homeeditor Nathan Brooker asked YolandeBarnes of the Bartlett Real Estate Institute, Andrew Montlake, boss of mortgage broker Coreco and buying agent Henry Pryor for their predictions on where prices will go next. Money Clinic dropped in on the discussion to hear what the experts had to say.

Free links:

UK mortgage lenders push through further rate cuts

Festival panel sounds death knell on the housing ladder

Bonuses, Brexit and Airbnb: impacts on house prices

Has London’s property market reached the bottom?

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

Money Clinic is presented by Claer Barrett and produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of podcasts.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

We all want to feel properly rewarded for the work we do, but getting a pay rise is a tough nut to crack. How do you even start the conversation? At the recent FT Weekend Festival in London, presenter Claer Barrett put listeners’ questions to Isabel Berwick, host of the FT’s Working It podcast and Jonathan Black, FT columnist and director of the careers advice service at Oxford university. 

If you want more:

FLIC, the FT’s financial literacy charity: https://ftflic.com/

Working It newsletter and podcast: https://www.ft.com/working-it

Jonathan Black’s careers advice column: https://www.ft.com/dear-jonathan

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. The FT’s global head of audio is Cheryl Brumley.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Sports betting is a relatively young industry in the US, in effect launching after a 2018 US Supreme Court ruling struck down a federal ban. Before then, those who wanted to gamble on sports legally had to travel to casinos in Nevada, or three other statesthat were exempt from the ban. Lifting the federal ban has led to a US sports-betting boom. How will regulators respond? It’s a subject that Oliver Barnes, the FT’s leisure industries correspondent, has investigated and he spoke to Brooke Masters, the FT’s US finance editor, about what he found.

Want more?

The dark side of the US sports betting boom

Disney turns to gambling

UK sets out biggest shake-up of gambling industry since 2005

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

You can follow Brooke on X, formerly Twitter, @brookemasters

Follow Claer on X, formerly Twitter, and Instagram @Claerb

Presented by Brooke Masters. Produced by Jake Harper. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Last year was one of the worst ever for the bond market. Fast forward to today and many people in finance say that despite the volatility, it is time for investors to get reacquainted with bonds. But what exactly are bonds, how do you go about investing in them and what are the risks? Brooke Masters, the FT’s US financial editor, stands in for Claer Barrett to discuss those questions and more with Edward Al-Hussainy, a senior analyst at Columbia Threadneedle Investments.

Want more? Click on these free-to-read FT articles:

Investors pile into bonds

Bonds are no longer the safe option

The appeal of longer bonds

How bonds ate the entire financial system

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

You can follow Brooke on X, formerly Twitter, @brookemasters

Follow Claer on X, formerly Twitter, and Instagram @Claerb

Presented by Brooke Masters. Produced by Jake Harper. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Zero day options are now almost 50 percent of the options market. But what are they? And why would anyone take these bets? Today on the show, host Ethan Wu and Alphaville’s Robin Wigglesworth discuss the latest way to gamble on the markets and address concerns that it all might blow up. Also we go short the Republican debate and long the Bloomberg terminal. 

For a free 90-day trial to the Unhedged newsletter go to: https://www.ft.com/unhedgedoffer

Follow Claer Barret on Twitter and Instagram.

Hosted on Acast. See acast.com/privacy for more information.

China’s economy has been growing faster than almost any other for a generation, so a slowdown is unfamiliar territory. Today on the show we look at three indicators — the CPI, exports and property sales — and try to understand why growth in China is finally slowing, and what it means for the rest of the world. Also, we go short cable news and long Argentina as a perpetual lesson in economics. 

For a free 90-day trial to the Unhedged newsletter go to: https://www.ft.com/unhedgedoffer

Follow Claer Barret on Twitter and Instagram.

Hosted on Acast. See acast.com/privacy for more information.

Rob has been invited to nine weddings this year and it’s playing havoc with his finances! How can wedding guests approach the subject of money when the costs of travel, accommodation, hen dos, stag dos and suits are all totting up? Presenter Claer Barrett is joined in the studio by Alice Tapper, founder of Go Fund Yourself, and Hamish Shepherd, chief executive of wedding planning app Bridebook. They explore the latest trends in wedding planning, and share stories of the lengths to which people have gone to attend, or get out of, a wedding.

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner and Simon Panayi, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Barbie is a big spender and high earner, fast approaching the age of retirement. But after a long and varied career that has seen her build a portfolio of multiple dreamhouses and a low-commitment, long-distance relationship with casual boyfriend Ken, what financial advice should she be looking for? Presenter Claer Barrett is joined in the studio by wealth manager Christine Ross from Handelsbanken and FT personal finance columnist Moira O’Neill, who share their tips on everything from prenups to investing.

Want more?

Annuities look sexy again: should Barbie buy one at 64? 

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem and how you would like us to help. 

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Clips: Warner Bros

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Exchange traded funds or ETFs have been growing in popularity recently but as Money Clinic listener Saranya has found, there’s a bewildering array of different types of ETFs to choose from. Presenter Claer Barrett is joined in the studio by Dave Baxter, funds editor at the Investors’ Chronicle, and Lynn Hutchinson, head of ETF and index solutions at investment manager Charles Stanley. They unpick the many different types of ETFs, how to use them to build an investment portfolio and what to look out for in terms of fees.

Want more?

Top 50 ETFs 2023: The best ETFs to buy

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

This podcast has been corrected from an earlier version which gave the wrong calculation of an OCF charge.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Are you an insurance addict? Listener Joss thinks he might be and wants to know what type of insurance he really needs and whether he's getting the best possible deal. Presenter Claer Barrett speaks to Dean Dunham, who presents the Friday night ‘Consumer Hour’ show on LBC Radio, and Sam Richardson, deputy editor ofWhich? Money, the magazine of the consumer campaign group. They share guidance on finding the right insurance cover for your needs, how to look out for overlapping policies and how to request compensation if you believe you have been missold insurance. 

Find more advice on picking the right insurance on the Which? website.

Listen to Dean Dunham’s consumer show every Friday on LBC at 9pm.

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love and Laurence Knight. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Algy Hall has four strategies for seeking out stocks that will outperform the index, highlighted in his new book Four Ways to Beat the Market. They are: quality, value, income, and momentum. Each one homes in on a very different kind of company – from the undisputed champion to the comeback kid, and from the slow-but-steady to the on-a-roll. Presenter Claer Barrett gets Algy to explain the thinking behind each strategy. The two also reminisce about their time working together as financial journalists at the Investors' Chronicle, and Algy reveals his unusual polymathic side-gig.

Find out more about Algy’s book Four Ways to Beat the Markethere

You can listen to the previous Investment Masterclass with Lord John Lee, which Claer mentions in this week’s episode, here.

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Laurence Knight and Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

The government has just extended the deadline to April 2025 for people to top up their National Insurance contributions. For many people approaching retirement, especially women, it offers a fantastic opportunity for them to increase their state pension by thousands of pounds by paying in only a few extra hundred. As you can imagine, the demand is huge, and has jammed the government pensions hotline. Money Clinic host Claer Barrett speaks to Sir Steve Webb, the former pensions minister and now a partner at consultancy Lane Clark & Peacock. He fields questions from FT readers and listeners about who should apply (and who should not), how to apply, and what kind of a deal to expect.

The episode features a clip from the Martin Lewis Podcast on BBC Radio 5 Live.

Want more?

Deadline to plug UK state pension gap extended until April 2025

Find out more about voluntary National Insurance contributions

See your State Pension forecast and find any gaps in your National Insurance record

Check your State Pension age

If you live or plan to retire abroad, click here for the the UK’s International Pension Centre

If you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.  

Say hello on social media: you can follow Claer on Twitter and Instagram @Claerb, and Claer’s guest Sir Steve Webb is @stevewebb1

Presented by Claer Barrett. Produced by Laurence Knight. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. 

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

The 13th interest rate rise in a row has piled on the pain for many homeowners. Money Clinic host Claer Barrett has assembled a team of experts to talk through the options for managing the hit on overstretched wallets. Sarah Pennells, consumer finance specialist at Royal London, Adrian Anderson of mortgage brokers Anderson and Harris, and the FT’s Chris Giles offer analysis, strategies and solutions. 

Want more?

Banks must play fair as mortgage rates rise

Q&A: What should I do about my mortgage?

For details on the latest government support for mortgage holders see here

Mentioned by Claer in the podcast:https://debtcamel.co.uk

If you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.  

Say hello on social media: You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Philippa Goodrich. Our executive producer is Manuela Saragosa. Sound design is by Simon Panayi, with original music from Metaphor Music. 

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

There’s a live debate in the UK over whether regulation of crypto trading should come under the scope of financial services or be treated like gambling. The FT’s digital assets correspondent Scott Chipolina and our producer Persis Love report from Castle Craig in Scotland, a rehab centre where people are being treated for crypto addiction. Plus presenter Claer Barrett and Scott Chipolina discuss what different regulation would mean for crypto investors.

If you’ve been affected by a crypto or gambling addiction, reach out to GamCare for help.

Want more?

‘There needs to be a health warning’: How crypto trading can lead to addiction by Scott Chipolina and Oliver Barnes

Don’t treat crypto like gambling – even if it’s largely pointless by Helen Thomas

Our weekly Crypto newsletter, written by Scott, is designed to keep you informed and up to date on all the developments in this fast-moving space. This newsletter is for Premium subscribers, who can sign up here. To upgrade from Standard to Premium, click here.

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. 

Hosted on Acast. See acast.com/privacy for more information.

Introducing Unhedged, a new podcast from the FT. Ethan Wu, Katie Martin and other markets nerds at the Financial Times explain the big ideas behind what’s happening in finance right now. Every Tuesday and Thursday. Subscribe wherever you get your podcasts.

Hosted on Acast. See acast.com/privacy for more information.

Lord John Lee of Trafford was the first person in the UK to reach £1mn invested in his stocks and shares ISA. He has a clear strategy based around choosing UK smallcap companies that pay dividends. He tells presenter Claer Barrett why this is his investment strategy and how he chooses stocks.

Want more?

My Isa has suffered - but I’m still a firm believer

‘I’m 22 and I earn more than my parents’

What should I do with my cash savings?

Click here for tickets to the Investor's Chronicle Future of Private Investing event on Thursday June 15 where you can hear John Lee, Claer Barrett and many others talking about the big stories in the world of investing. 

If you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.  

Say hello on social media: you can follow Claer on Twitter and Instagram @Claerb 

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. 

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Former asset manager Stuart Kirk writes about investing for FT Weekend in a column where he shares both his investment successes and failures with readers. He tells host Claer Barrett what he’s investing in now,how he chooses stocks, why he isn’t keen on funds that follow a particular theme and what he thinks needs to change in the world of ESG or sustainable investing.

Want more?

Being honest about my portfolio’s performance 

Active management is a sham — no wonder my returns are suspect

Sectors make sense for investors, not themes

If you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.  

Say hello on social media: You can follow Claer on Twitter and Instagram @Claerb 

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. 

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Brooke Masters, the FT's US financial editor, speaks to Anne Ackerley, managing director of the Retirement Group at BlackRock, one of the world’s largest investment companies. Anne spends her days thinking about how to make good retirement plans accessible to more people. Lately, that has included focusing on one particular problem: the differences between men and women when it comes to retirement planning. Anne tells Brooke about the challenges faced not just by women but also gig economy workers and others who have non-standard employment patterns.

If you would like to talk to the FT’s consumer editor Claer Barrett about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

You can follow Claer on Twitter and Instagram @Claerb

Follow Brooke Masters on Twitter @brookeamasters

Presented by Brooke Masters. Produced by Zach St Louis. The executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. 

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

With inflation running higher than the interest rates provided by most banks, cash accounts can rapidly lose value. What does that mean for emergency savings funds? Brooke Masters, the FT’s US financial editor, speaks to investing columnist Moira O'Neill, and Georgia Lee Hussey, founder of wealth management company Modernist Financial, about how much savings to have in cash and where to keep it - both in the UK and the US.

Want more?

Keep up with the latest from Brooke on FT.com and follow her on Twitter @brookeamasters

https://www.ft.com/brooke-masters?segmentId=09d1c097-c0ef-7dd1-2d95-bfc6eb43e74e

Check out Moira’a latest column here

https://www.ft.com/content/e04ddbf1-bf9c-490c-94ac-657743d55c25?segmentId=09d1c097-c0ef-7dd1-2d95-bfc6eb43e74e

For more from Georgia, check out the Modernist Financial website

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music. 

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

The Bank of England has lifted its main interest rate by a quarter of a percentage point to 4.5 per cent, the 12th consecutive rise since December 2021. But if interest rates are going up, why are some mortgage lenders putting their rates down? Presenter Claer Barrett is joined in the studio by Chris Giles, the FT’s economics editor and Andrew Montlake, chief executive of Mortgage Broker Coreco. They explain how the uncertain outlook for base rates is affecting mortgages, the pros and cons of fixed rate and variable rate mortgages and what mortgage rates are available at the moment.

NB: This episode is a repeat of a Money Clinic that ran on March 28th this year, days after the last Bank of England rate rise.

Want more?

Read Claer’s column about mortgage rates here

Check out a related, previous episode of Money Clinic: Interest rates, bank crises and your money

We'd love to hear from you. Please help us by filling in our listener survey at ft.com/moneyclinicsurvey. It will take you about 10 minutes to complete and you will be in with a chance to win a pair of Bose QuietComfort Earbuds! 

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music. 

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

It’s getting harder to keep up with the cost of essentials such as water, energy and internet. FT reporter Leah Quinn speaks to 26-year-old renter Conor, who explains what he has been paying over the past few months and which bills are starting to add up. Host Claer Barrett is on hand with tips and advice on everything from whether you should get a water metre installed to whether energy bills will go down later this year.

Useful links:

How to get a smart metre

Find out if you’re entitled to the new government energy scheme 

Money Saving Expert guide to council tax bands

Ofcom social tariffs and speeds

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help 

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music. 

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Does sorting out your personal finances fill you with anxiety and trepidation? What can you learn from your money mistakes? Money Clinic host Claer Barrett, and Isabel Berwick, host of the FT’s work and careers podcast, Working It, answer listeners’ questions in this special episode, taken from a webinar made in conjunction with the FT’s financial literacy charity, FLIC.

Want more?

The first lesson for female financial education? Money is power

How to ask for a pay rise - and when to give one

Isa season this year is a stampede

Find out more about FLIC here 

You can follow Claer on Twitter and Instagram @Claerb

Follow Isabel Berwick on LinkedIn

FT subscriber? Sign up for the weekly Working It newsletter with one click here. We cover all things workplace and management — plus exclusive reporting on trends, tips and what’s coming next. What do you like (or not)? What topics should we tackle? Email the team at workingit@ft.com or Isabel directly at isabel.berwick@ft.com

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help 

Presented by Claer Barrett. Produced by Persis Love and Audrey Tinline. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music. 

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

How do you know if you need a financial adviser, how do you go about finding one and how do you know you’re getting value for money? Presenter Claer Barrett guides 22-year-old Laureen, who works for a bank, through the many forms of professional financial advice, and sources expert tips from Financial Times columnist Moira O’Neill and Sally Hickey, chief reporter at FT Adviser, our specialist publication for financial advisers. 

Want more?

Clear’s latest column: The dash for cash savings is a new experience for many UK customers

Moira’s recent column: Isas: time to take cover from tax

Follow Sally @hickles and Moira @moiraoneillon Twitter. You can follow Claer on Twitter and Instagram @Claerb

If you’d like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help 

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Aligning our love lives and our financial lives is not always easy. Presenter Claer Barrett sources advice from Dr Nicola Sharp-Jeffs, founder of Surviving Economic Abuse, Tobi Asare from My Bump Pay, and Davinia Tomlinson, founder of Rainchq and author of Cash is Queen, on everything from talking about money in a relationship, the single tax, spotting the signs of financial abuse and planning for a baby. 

This episode is taken from a recording of an event Claer hosted in partnership with FLIC, the FT’s financial literacy charity.

Want more?

Flying solo with your finances: managing money as a single person

Mind the gap! What women need to know about investing

Childcare in the UK: ‘Dysfunctional, unaffordable, inaccessible’

‘I was a victim of financial abuse’

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @Claerb. Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Simran Kaur thinks the stock market is a lot more straightforward than it is made out to be. The 26-year-old is the founder of Girls That Invest, an investing community and podcast that she set up with her best friend Sonya Gupthan when they realised that, as women of colour, there were not many people who looked like them in the financial world.

Presenter Claer Barrett sources her tips on getting started as an investor, how to balance your portfolio and when to have a portfolio review.

Check out the Girls That Invest website here 

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

How does the global monetary system work and what should investors bear in mind about it? Professional investor Rob Dix had been investing for years before he set out to understand the mechanisms behind his money. Why do we have inflation? Why do central banks increase interest rates? Will this monetary system last? Dix shares his view on the financial world with presenter Claer Barrett, plus she asks what rules he follows with his own investments.

Rob Dix is author of The Price of Money: How to Prosper in a Financial World that’s Rigged Against You

We'd love to hear from you. Please help us by filling in our listener survey at ft.com/moneyclinicsurvey. It will take you about 10 minutes to complete and you can have a chance to win a pair of Bose QuietComfort Earbuds. 

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music. 

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

The Bank of England raised its key base rate to 4.25 per cent last week, its highest level in 14 years. But if interest rates are going up, why are some mortgage lenders putting their rates down? Presenter Claer Barrett is joined in the studio by Chris Giles, the FT’s economics editor and Andrew Montlake, chief executive of Mortgage Broker Coreco. They explain how the uncertain outlook for base rates is affecting mortgages, the pros and cons of fixed rate and variable rate mortgages and what mortgage rates are available at the moment.

Want more?

Read Claer’s latest column about mortgage rates here

Check out last week’s Money Clinic: Interest rates, bank crises and your money

We'd love to hear from you. Please help us by filling in our listener survey at ft.com/moneyclinicsurvey. It will take you about 10 minutes to complete and you will be in with a chance to win a pair of Bose QuietComfort Earbuds! 

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help. 

You can follow Claer on Twitter and Instagram @Claerb

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Jake Fielding and Breen Turner, with original music from Metaphor Music. 

Clips: Bloomberg

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

What does a week of turmoil in the banking sector - with the collapse of California’s Silicon Valley Bank and the Swiss state-backed rescue of Credit Suisse - tell us about what central banks will do next with interest rates? And what does it all mean for your money and investments? Host Claer Barrett hears from Financial Times markets editor Katie Martin, and author of the FT’s Unhedged newsletter Ethan Wu. 

Want more?

Are banks on the edge of another 2008-style precipice?

Central banks announce dollar liquidity measures to ease banking crisis

Banking turmoil intensifies the need for better Federal Reserve policymaking

We'd love to hear from you. Please help us by filling in our listener survey at ft.com/moneyclinicsurvey. It will take you about 10 minutes to complete and you will be in with a chance to win a pair of Bose QuietComfort Earbuds!

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.  

You can follow Claer on Twitter and Instagram @Claerb 

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. 

Clips: BBC, CNN, CNBC, Bloomberg TV, ABC News 

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

What should you be thinking about for your finances when you are just about to enter the adult world? In today’s episode Claer Barrett meets four sixth-form students Demi, Patrick, Lucinda and Loisse-Lhana, who are trying to figure out how to manage their money as they get ready to leave school. Claer answers their questions about investing, saving and how to budget so that your earnings last the month.

Want more?

What They Don't Teach You About Money: Habits to Get You Unstuck and on the Road to Financial Freedomby Claer Barrett is in bookshops from March 16.

Got questions for Claer? Join the FT Live webinar on April 21 where she’ll be discussing her book. 

Read Claer’s latest column The first lesson for female financial education? Money is power

Thanks to Cardinal Wiseman Catholic School, Cardinal Vaughan Memorial School and Nationwide Building Society.

If you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.  

Say hello on social media: You can follow Claer on Twitter and Instagram @Claerb 

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner and Jake Fielding, with original music from Metaphor Music. 

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Divorce inquiries tend to peak in the first few months of a new year, so in this episode presenter Claer Barrett, the FT’s consumer editor, sources expert advice on how to manage your costs and finances through a legal separation. Listeners Jane and Tina recount their stories - and what they wished they had known at the start of the process - and Claer speaks to Brett Frankle from the law firm Withers as well as financial planner Tamsin Caine of Smart Divorce about how to ensure your finances survive a divorce.

Links to organisations mentioned in the episode:

https://resolution.org.uk/

https://www.judiciary.uk/family-justice-council/

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.  

You can follow Claer on Twitter and Instagram @Claerb 

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. 

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

It’s called the ‘cash stuffing’ or ‘cash envelope’ method: separating your money into different envelopes of cash to control your spending. Host Claer Barrett speaks to ‘cash stuffer’ Euphemia Senna, better known on TikTok as She’s On a Budget, about the pros and cons of budgeting this way (and the digital equivalent). She also goes inside the Bank of England, the UK’s central bank, to speak to its chief cashier Sarah John about why there are record levels of banknotes in circulation. Is there any evidence that people are turning their back on digital payments and that cash stuffing is on the rise amid the cost of living crisis?

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.  

You can follow Claer on Twitter and Instagram @Claerb 

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. 

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Former asset manager Stuart Kirk writes about investing for FT Weekend in a column where he shares both his investment successes and failures with readers. He tells host Claer Barrett what he’s investing in now,how he chooses stocks, why he isn’t keen on funds that follow a particular theme and what he thinks needs to change in the world of ESG or sustainable investing.

Want more?

Being honest about my portfolio’s performance https://www.ft.com/content/91e59c79-1275-49c3-986c-f1c6778ecfa5

Sectors make sense for investors, not themes https://www.ft.com/content/19a0a68f-c3fd-4267-96a7-f2698b38b19e

If you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.  

Say hello on social media: You can follow Claer on Twitter and Instagram @Claerb 

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Chris Pitt, chief executive of First Direct, the UK’s first ever telephone bank, tells presenter Claer Barrett why banks should be doing more to help customers through the cost of living crisis, and shares his own tips on saving and investing.

We'd love to hear from you. Please help us by filling in our listener survey at ft.com/moneyclinicsurvey. It will take you around 10 minutes to complete and you will be in with a chance to win a pair of Bose QuietComfort earbuds!

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.  

You can follow Claer on Twitter and Instagram @Claerb 

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. 

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

The Bank of England has raised its key interest rate to 4 per cent, the highest level the UK has seen since the 2008 financial crisis. Presenter Claer Barrett is joined by Helen Saxon, deputy editor of Money Saving Expert, James Pickford, deputy editor of FT Money, and Katie Martin, the FT’s markets editor, to discuss how you can best navigate those higher rates with your savings, mortgages and investments.

We'd love to hear from you. Please help us by filling in our listener survey at ft.com/moneyclinicsurvey. It will take you around 10 minutes to complete and you will be in with a chance to win a pair of Bose QuietComfort Earbuds!

If you would like to talk to Claer about a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.  

You can follow Claer on Twitter and Instagram @Claerb 

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music. 

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

One in six women in the UK has experienced financial abuse in a relationship. That’s according to charity Surviving Economic Abuse. Anyone can become a victim, as Sarah Coles, senior personal finance analyst at Hargreaves Lansdown, found out. She tells presenter Claer Barrett about her experience of surviving an economically abusive relationship. Claer also hears from another victim, Francesca, and sources advice on recognising and escaping financial abuse from Dr Nicola Sharp-Jeffs OBE, founder and CEO of Surviving Economic Abuse

Useful links:

The Surviving Economic Abuse website is packed with useful resources, helplines you can call and information on what to do if you or someone you know is in a financially abusive relationship.

For domestic abuse, you can call the freephone National Domestic Abuse Helpline, run by Refuge on 0808 2000 247. If you are in immediate danger, please call the police on 999. For mental health support, you can speak to the Samaritans on 116 123.

We'd love to hear from you. Please help us by filling in our listener survey at ft.com/moneyclinicsurvey. It will take you around 10 minutes to complete and you will be in with a chance to win a pair of Bose QuietComfort Earbuds!

If you would like to talk to Claer on a future episode, please email the Money Clinic team at money@ft.com with a short description of your problem, and how you would like us to help.  

Say hello on social media: You can follow Claer on Twitter and Instagram @Claerb 

Presented by Claer Barrett. Produced by Persis Love. Our executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music.

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.

Best of Money Clinic: Against the backdrop of market turbulence, investors Jonathan Hollow and Robin Powell explain why they believe investing in broad-based index funds is the cheapest way to increase long-term wealth. This investment masterclass breaks investing down into six simple steps, with tips for those just getting started and those further along their investment journey.

If you would like to be a future guest on Money Clinic, email the team via money@ft.com or send Claer a DM on social media - she’s @Claerb on Twitter, Instagram and TikTok. How to Fund the Life You Want: What everyone needs to know about savings, pensions and investmentsby Robin Powell and Jonathan Hollow is out now.

Want more?

Why do we still bother with active funds? https://www.ft.com/content/c2e9abd0-0edd-4805-b1ab-d55b661c24de

Passive investing has increased US stock volatility, study finds https://www.ft.com/content/818f9e83-52a8-4170-a148-80f9d9139809

We'd love to hear from you. What do you like (or not)? What topics should we tackle? Please help us by filling in our listener survey at ft.com/moneyclinicsurvey  It will take you around 10 minutes to complete and you will be in with a chance to win a pair of Bose QuietComfort Earbuds!*

Your personal information will be processed in accordance with the FT's privacy policy. If you have any queries about the survey please let us know at customer.research@ft.com.

Presented by Claer Barrett. Produced by Persis Love and Philippa Goodrich. Executive producer is Manuela Saragosa. Sound design is by Breen Turner, with original music from Metaphor Music

Read a transcript of this episode on FT.com

Hosted on Acast. See acast.com/privacy for more information.