In this week's episode, I provide an update on my 'Winter investment portfolio', which uses an investment strategy aimed at capitalising on a seasonal market trend. I reveal how the portfolio has continued to outperform major stock market indices despite being in cash for 50% of the year. I then discuss the "Pension Mirror", a marketing tool created by Scottish Widows to help people engage with their pension savings. I highlight the average pension pot sizes for a range of ages and explain...

In this week's episode, Damien and Andy provide a summary of the Autumn 2024 Budget, detailing all of the key announcements and how they are likely to impact you. Make sure that you check out our Autumn 2024 Budget summary article for further details. Watch the whole show on YouTube here: MTTM - Episode 480   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.   Follow Money to the Masses on social media:   YouTube...

Welcome to Damien's Market Update for October 2024. Every month Damien will be dissecting the market and providing you with his own unique take on what it may mean for you and your investments. Subscribe now for your monthly insight into the Global Investment Markets.  Remember, you can also watch Damien deliver his monthly insights on our Youtube channel

In this week's episode, Damien discusses the latest developments in the mortgage market, explaining the rise in mortgage rates despite the recent cut to the Bank of England base rate. Next, with the price of gold reaching an all-time high, Damien discusses where the gold price might be heading in the future. Finally, Andy explains how listeners can sign up to receive a number of free products to help manage water usage and reduce their bills. Watch the whole show on YouTube here:...

In this week's episode, Damien discusses the changing savings market, highlighting the rise of cash savings platforms and investment platforms that now pay market-leading interest rates on cash holdings. Next, Damien talks about the recent rally in the Chinese stock market and explains alternative ways to gain exposure. Finally, Damien explains the new rules around authorised push payment fraud (APP) and whether consumers are better protected. Watch the whole show on YouTube here:...

In this week's episode Damien discusses the potential impact of the upcoming US election on investment markets, including historical trends and why you need to keep an eye on the performance of the S&P 500. Damien then discusses the rise of 'ghost brokers' promising cheap car insurance on social media and provides tips on how to identify and avoid such scams. Finally, Andy discusses child trust funds, revealing how many remain unclaimed, before going on to provide tips on how to locate...

In this week's episode Damien discusses the latest predictions of what might be announced in Labour's Autumn Budget, including capital gains tax and inheritance tax changes. Damien then looks at packaged bank accounts, providing insights into whether they now provide value for money. Finally, Andy covers the emerging threat of AI voice scams and share practical tips to avoid becoming a victim. Watch the whole show on YouTube here: https://youtu.be/pTdvQiIOGVg   Check out this...

Welcome to Damien's Market Update for September 2024. Every month Damien will be dissecting the market and providing you with his own unique take on what it may mean for you and your investments. Subscribe now for your monthly insight into the Global Investment Markets.  Remember, you can also watch Damien deliver his monthly insights on our Youtube channel

In this week's episode Damien provides an overview of the mortgage market following the Bank of England's decision to keep the base rate at 5%, including the latest predictions of when rates will be cut further. Next, following HMRC's decision to allow fractional share trading within an ISA, Damien gives an update on the providers that allow you to trade them as well as those that don't. Finally, Andy highlights the best pension tracing services in the UK, explaining how they can help to...

As it's UK Savings Week this week's episode is a savings special. First, Damien discusses the outlook for UK savings rates and how time is running out if you want to secure a good return on your savings. Damien then reveals how you can still get 5% interest or more if you know where to look. Finally, Andy & Damien discuss some fun savings challenges to help listeners start saving before explaining how you can now automate them. Watch the whole show on YouTube here:...

In this week's episode Damien explains the concept of the 'efficient frontier' and how it can help investors build a portfolio with the highest possible returns for a given level of risk. Damien also talks about the potential tax implications of pension recycling, a way in which individuals reinvest their tax-free cash or pension income back into a pension scheme. Finally, Andy explains the dangers of becoming a money mule including the consequences of getting involved in financial crime and...

In this week's podcast Damien discusses stock market sell-offs and how markets typically behave after a slump. Next he explains what stock lending is, how it works and its potential impact on investors. Finally, Andy provides an update on the energy price cap and whether it is too late to fix your energy tariff before prices start rising. Watch the whole show on YouTube here: https://youtu.be/W9SxyO0hJO0   Check out this week's podcast article on the MTTM website to see the full list of...

In this week's episode, Damien discusses the pros and cons of investing in physical gold, including fractional gold coins and the storage options with the Royal Mint. Damien also explains what you need to look out for in the T&Cs when booking a last-minute holiday. Finally, Andy explains how teachers can now take advantage of the discounts and rewards that are on offer via the Blue Light card Watch the whole show on YouTube here: https://youtu.be/hQ8M4RE7v7g   Check out this...

In this week's holiday special, Damien provides some important travel insurance tips, highlighting key elements to look for in a travel insurance policy. Damien also reveals the best ways to take money abroad, discussing various spending options, including Curve, Revolut, and Starling Bank. Finally, Andy offers tips for families to save money during the summer, including free meals and ways to save money on days out.   Check out this week's podcast article on the MTTM website to see the...

In this week's podcast, Damien and Andy discuss the recent interest rate cut by the Bank of England and its impact on savers, borrowers, and investors. They also explore the different phases of the interest rate cycle and how it affects various sectors of the stock market. Additionally, they highlight the importance of being cautious when downloading apps, particularly counterfeit apps that can steal personal information and carry out fraudulent activities. Watch the whole show on YouTube...

In this week's podcast Damien discusses the optimal frequency for reviewing and updating an investment portfolio. Damien and Andy then discuss when to seek financial advice, particularly for pensions, including the benefits and typical costs of pension advice. Finally, Damien reveals how regularly saving money, even small amounts, can help improve sleep quality and overall well-being. Watch the whole show on YouTube here: https://youtu.be/W_89SF1WOOM   Check out this week's podcast...

Welcome to Damien's Market Update for July 2024. Every month Damien will be dissecting the market and providing you with his own unique take on what it may mean for you and your investments. Subscribe now for your monthly insight into the Global Investment Markets.  Remember, you can also watch Damien deliver his monthly insights on our Youtube channel

On this week's episode Damien discusses the potential impact of Labour's landslide victory on your finances, including potential changes to taxes and renters' rights. Damien also explores the benefits of making small, positive changes to your personal finances. Finally, Andy reveals the best time to renew your car insurance in order to save money. Watch the whole show on YouTube here: https://www.youtube.com/watch?v=UTriy2SnFRQ   Check out this week's podcast article on the MTTM website...

On this week's episode Damien discusses the skyrocketing share price of Nvidia, the AI chipmaker and its impact on investors' portfolios whether they realise it or not. He also explains how you can manage your exposure. Damien then discusses the importance of debt-to-income ratios for anyone considering a mortgage. Finally, Andy reveals the significant costs of later life care and talks about strategies and insurance options to ensure you're prepared. Watch the whole show on YouTube here:...

In this week's podcast Damien discusses the various ways to get on the property ladder in 2024. Damien explains the different types of mortgage products that are available for first time buyers as well as the various government schemes. Damien also discusses the collapse of Buy Now, Pay Later firm Laybuy and the implications for customers.   Damien then explains the rules around expenses and compensation if you experience a delayed or cancelled flight. In a podcast first, you can access an...

On this week's episode Damien discusses the growing trend of people opting to self-fund private medical care due to long NHS waiting times. Damien then discusses the importance of considering unknown risks when it comes to all aspects of your personal finances. Finally, Andy provides an update on the latest energy prices and whether now is the right time to fix based on long-term energy price predictions Watch the whole show on YouTube here: https://youtu.be/BXrOTc-4nPw   Check out this...

Welcome to Damien's Market Update for June 2024. Every month Damien will be dissecting the market and providing you with his own unique take on what it may mean for you and your investments. Subscribe now for your monthly insight into the Global Investment Markets.  Remember, you can also watch Damien deliver his monthly insights on our Youtube channel

On this week's show Damien explains the CAPE measurement and how it could help to identify undervalued stock markets. Damien then discusses the changes being applied to overdraft charges for Lloyds Banking Group customers and the steps they can take. Finally, Andy reveals the key car insurance questions you need to get right. Watch the whole show on YouTube here: https://youtu.be/I93GLYRWa4o   Check out this week's podcast article on the MTTM website to see the full list of resources...

On this week's show Damien and Andy discuss what to do if your phone is stolen and how to protect yourself from further financial fraud. Damien explains how active funds can outperform the market over extended periods of time but how a winner can quickly turn into a loser. Finally, Damien explains the importance of life insurance for stay-at-home parents. Watch the whole show on YouTube here: https://youtu.be/H78KMwCWWLg   Check out this week's podcast article on the MTTM website to see...