Money Clinic with Claer Barrett
Episodes
Pensions guidance, Woodford's new venture and frontier markets
30 Apr 2014
Contributed by Lukas
Jo Cumbo explains why the government's pensions guidance guarantee is not quite what it seems. Also in the show, David Oakley talks about the prospect...
Mobile payment, the mortgage market and structured products
23 Apr 2014
Contributed by Lukas
Jonathan Eley and guests discuss next week's launch of mobile payment service Paym, why getting a mortgage may become more expensive and time-consumin...
Protection for tenants, investing in UK technology, and index-hugging fund managers
15 Apr 2014
Contributed by Lukas
What will redress, if not quite regulation, mean for tenants of rental properties? How can you invest in the UK's best technology companies? And is yo...
Protection for tenants, investing in UK technology, and index-hugging fund managers
15 Apr 2014
Contributed by Lukas
What will redress, if not quite regulation, mean for tenants of rental properties? How can you invest in the UK's best technology companies? And is yo...
UK property market, investment charges and international equities
09 Apr 2014
Contributed by Lukas
James Pickford and guests discuss the transparency of fees and charges for investment advice, whether a property bubble is emerging, and how to invest...
FCA credit card probe, star fund managers and regulated crowdfunding
02 Apr 2014
Contributed by Lukas
Why has the regulator ordered a probe into the UK's £150bn credit card? Jonathan Eley and guests also discuss the performance of fund management's ga...
Budget special: major pension reforms, ISAs and tax avoidance
20 Mar 2014
Contributed by Lukas
This week's Budget was nothing short of revolutionary. Jonathan Eley and guests discuss the implications of the Chancellor's reforms for ISA savers, p...
Reduced mortgage offers, Invesco leadership and Lloyds capital restructuring
13 Mar 2014
Contributed by Lukas
How can pension contributions and student debt affect your mortgage offer? Also in this week's show, FT investment correspondent David Oakley talks ab...
Isa special - Cash Isas, junior Isas, and where to invest
06 Mar 2014
Contributed by Lukas
Why are cash Isa rates so low and yet so popular? This week's Isa special also takes a look at junior Isas, and Tom Stevenson of Fidelity talks about ...
Mortgage rates, investing in biotech, and with-profits
27 Feb 2014
Contributed by Lukas
When mortgage rates rise, how bad will it be? Jonathan Eley and guests also discuss whether the UK biotech sector is set for a boom, and whether with-...
Bitcoins, falling inflation and male life expectancy
20 Feb 2014
Contributed by Lukas
Is it really time to swap your pounds for bitcoins? Also in the show, what falling inflation means for investors and some good news for men who have r...
Flood insurance, annuity problems and passive investment funds
14 Feb 2014
Contributed by Lukas
How are the recent floods going to affect house insurance premiums? Jonathan Eley and guests also discuss problems with the annuity business, as well ...
PPI and CPP compensation, investing in China, and solar panels for retirement
06 Feb 2014
Contributed by Lukas
As banks' total PPI bill nears £20bn, is there anyone else entitled to compensation? Chinese equities have rarely been cheaper but which obstacles re...
Emerging market turmoil, investment platforms and renting luxury assets
30 Jan 2014
Contributed by Lukas
Are we seeing a re-run of the 1990s? Jonathan Eley discusses EM volatility with the FT's Jonathan Wheatley. Plus, how to choose the right investment p...
Workplace pension schemes, real estate investment trusts and equity release
23 Jan 2014
Contributed by Lukas
Will the government limit the charges applied to workplace pension schemes – and if so, when? Real estate investment trusts should do what it says o...
Changes to platform pricing, pension system failures and bankruptcy
16 Jan 2014
Contributed by Lukas
Jonathan Eley talks to Andy Creak of rPlan about what the latest changes to platform pricing mean for investors, Jo Cumbo discusses why the pension sy...
Problems with Help to Buy, alternative assets and investment predictions
09 Jan 2014
Contributed by Lukas
What can investors expect from 2014? Why isn't the government's Help to Buy scheme available for all properties? And are expensive cars, watches and C...
What's the outlook for savers, borrowers and investors in 2014?
19 Dec 2013
Contributed by Lukas
FT Money looks back at 2013 and ahead to 2014 with Paul Kavanagh from Killik & Co. Hosted on Acast. See acast.com/privacy for more information.
Bank bonuses, investing in Asia, and foreign property buyers
12 Dec 2013
Contributed by Lukas
More scandalous behaviour at Britain's leading banks. Why southeast Asia could be worth looking at for adventurous investors. And why wealthy foreigne...
FT Money Autumn Statement special podcast
05 Dec 2013
Contributed by Lukas
Jonathan Eley talks to three experts about what the autumn statement means for you. Christine Ross of SG PB, Claire Evans of Deloitte and Paul Emery o...
Price comparison sites, the big debate and Royal Mail
28 Nov 2013
Contributed by Lukas
Price comparison websites are to be investigated by the City regulator. Four big investment ideas from some of the country's most eminent economists. ...
95% mortgages, shareholder perks and boiler room scams
21 Nov 2013
Contributed by Lukas
95 per cent mortgages return, with or without a government guarantee. Shareholder perks - nice to have, but how valuable are they? And how to avoid so...
Pension charges, IPO investments and stamp duty
14 Nov 2013
Contributed by Lukas
Pensioners are being pushed into the wrong annuities. New companies are flooding onto the stock market but should ordinary investors buy their shares?...
Co-op restructuring, India's stock market and buy-to-let landlords
07 Nov 2013
Contributed by Lukas
What went wrong at the Co-operative Bank, and is the restructuring announced this week a fair deal? India's stock market hits a new high - but are the...
Islamic finance, retirement planning and why self-build has failed to gain traction
31 Oct 2013
Contributed by Lukas
As London bids to become a centre for Islamic finance, are sharia financial products useful for ordinary savers and investors? The real mid-life crisi...
Property downvaluations, energy prices and the fate of the Co-op
23 Oct 2013
Contributed by Lukas
What to do if your lender says the house you want to buy is worth less than the offer you've put in. The furore over energy prices: are we being rippe...
The FT talks to Invesco Perpetual's Mark Barnett
17 Oct 2013
Contributed by Lukas
Earlier this week the fund industry was stunned to hear that Invesco Perpetual's Neil Woodford is to leave after a 25 year glittering career. Jonathan...
Neil Woodfood's departure, social care funding and legacy disputes
16 Oct 2013
Contributed by Lukas
If you're one of the tens of thousands of investors who hold funds managed by Neil Woodford, what should you do as he announces his departure? Ministe...
Royal Mail shares, DIY investors and ethical investing
09 Oct 2013
Contributed by Lukas
Royal Mail shares start trading this week after unprecedented public interest. Have the changes to the way financial products are sold made any differ...
Workplace pensions, fund charges and Help to Buy
03 Oct 2013
Contributed by Lukas
Saving schemes for employees - will the next phase be a success? Passive investment funds - are they still the cheapest option? And why aren't banks s...
Student housing, small caps and changing your bank
25 Sep 2013
Contributed by Lukas
Student housing - are traditional terraced properties still a good buy? Small caps - why are they outperforming larger companies. And changing your ba...
Lloyds sell-off, university costs and manorial rights
18 Sep 2013
Contributed by Lukas
The government starts to sell its stake in Lloyds - but will the public get a look in? As higher education costs rise we look at what the future might...
Royal Mail privatisation, interest rate rises and concerns over annuities
11 Sep 2013
Contributed by Lukas
Royal Mail privatisation - could the flotation mean good news for investors? The Bank of England and the markets have radically different views about ...
Vodafone, self-invested pensions and unusual investments
04 Sep 2013
Contributed by Lukas
Vodafone's blockbuster deal - what it means for individual shareholders. Why there is less choice these days in self-invested pensions. And the unusua...
First time buyers, financial technology and property syndicates
28 Aug 2013
Contributed by Lukas
First-time buyers are back - but is it good news or not. How advisers are using computer games to get you to engage with your investments. And propert...
Gold, gilts and cash versus card payments
21 Aug 2013
Contributed by Lukas
Gold is in the headlines again - but is it an insurance against disaster or a volatile fringe asset? Gilts are up - does this mean recovery is on the ...
Self-certification loans, pensions and current account rules
14 Aug 2013
Contributed by Lukas
Easier access to mortgages for the self-employed - but should we worry about reckless lending? How we can fix the looming pensions crisis? And the com...
Interest rates, investing in commercial property and childcare expenses
07 Aug 2013
Contributed by Lukas
What the Bank of England’s forward guidance means for you, the options for investing in commercial property and the government’s consultation on r...
Crowdfunding, tax avoidance and financial advice rules
31 Jul 2013
Contributed by Lukas
Celebrities are after your money to back their pet projects - should you trust them? Why the wealthy are growing less interested in avoiding tax. And ...
Funding for Lending, peer-to-peer loans and premium bond odds
24 Jul 2013
Contributed by Lukas
Funding for Lending one year on - what has the impact been for savers and borrowers? Peer-to-peer lending - higher risks, but also higher rewards. And...
Annuities, emerging markets and minimising IHT
17 Jul 2013
Contributed by Lukas
Relief at last for annuity buyers as gilt yields inch higher. Are emerging markets worth the extra risk? And how to minimise the impact of inheritance...
First-time buyer mortgage, the hidden costs of investing and workplace pension schemes
10 Jul 2013
Contributed by Lukas
The 0 per cent mortgage - what's the catch? The hidden costs of investing - how much is your portfolio costing you each year? And what to do if your w...
Aim shares, investing for the long term and gold prices
03 Jul 2013
Contributed by Lukas
Coming soon to your Isa - shares from Aim. Investing for the very long term - what will the world look like in 2050? And the debate about gold - shoul...
Buy-to-let lending, confusion over care cap and what makes up the FTSE 100?
26 Jun 2013
Contributed by Lukas
We look at the changing face of buy-to-let lending. We also expose widespread confusion over the care fees cap - we look at what is and what is not in...
Banking report, China funds and NS&I
19 Jun 2013
Contributed by Lukas
A tumultuous week for banks and bankers - but what does it mean for savers and borrowers? One of Britain's best-known fund managers admits defeat in C...
Pension contributions, house price indices, and long term care
12 Jun 2013
Contributed by Lukas
More on how much and when you can contribute to your pension. House prices hit new highes - but how reliable are the indices that measure them? Plus a...
New rules on alternatives, FT Money roundtable and how to invest in wine
05 Jun 2013
Contributed by Lukas
The FCA rules on promotion of alternative investments - what's in, and what's out. Jim O'Neill on the outlook for emerging markets and China. And how ...
Tax-free pension cash, behavioural finance and will writing
29 May 2013
Contributed by Lukas
Is your company short-changing you out of your pension? How our inbuilt biases get in the way of rational investment decisions. And how to write a pro...
Bank of Ireland, European companies and investing in classic cars
22 May 2013
Contributed by Lukas
Bank of Ireland backs down - but should you be fearful of tracker mortgages? European companies that are defying the continental recession. And callin...
New retail bond launches, self-build property and Co-op customers
15 May 2013
Contributed by Lukas
Another mini-bond launches, but should you put your money in them? How to build your own house? And what's to become of the co-operative bank? Hosted...
Bonds, green investing and the Queen's Speech
08 May 2013
Contributed by Lukas
Bonds are awful, says Warren Buffett, but what is the alternative? How green investing has gone mainstream. And all the personal finance news from thi...
Interest only mortgages, structured products and foreign property dreams gone sour
01 May 2013
Contributed by Lukas
Why almost half the UK’s 2.6m interest-only borrowers risk being unable to repay mortgages, are structured products a sensible way to manage risk –...
Supermarket annuities, charitable donations and funding for lending
24 Apr 2013
Contributed by Lukas
Would you buy a pension through a supermarket? How to make your charitable donations work harder for. And how more government support for banks will a...
Letting agents, gold prices and annuities
17 Apr 2013
Contributed by Lukas
Proper regulation at last for letting agents. The drastic sell-off in the gold price, and how to navigate the annuity conundrum. Hosted on Acast. See ...
Becoming a buy-to-let landlord, identity fraud and Post Office bank accounts
10 Apr 2013
Contributed by Lukas
Yields of 6 per cent on rental properties are tempting investors into the buy-to-let market. But is this the right time to invest? Chris Norris from t...
Savers in Cyprus, UK banks and bond funds
03 Apr 2013
Contributed by Lukas
The latest from Cyprus and how it affects UK savers. What is to become of the UK's state-run banks. And the mounting warnings about bonds and bond fun...
Winners and losers in this year's Budget
21 Mar 2013
Contributed by Lukas
John Whiting of the CIOT joins us for our FT Money special podcast on this year's Budget. We look at government help for homeowners, the new £10,000 ...
State pensions, predictions for the Budget and high frequency trading
14 Mar 2013
Contributed by Lukas
We cover the debate over women and the state pension and we look at what is expected to be in the Budget. Finally, is computer-driven trading harming ...
Bank shares, payday lenders and women and finance
07 Mar 2013
Contributed by Lukas
Is it time to look afresh at bank shares? Day of reckoning for payday lenders, and do women make better investors than men? Hosted on Acast. See acast...
FT Money Special: Individual Savings Accounts
28 Feb 2013
Contributed by Lukas
This week FT Money looks at Individual Savings Accounts indepth - from cash Isas to stocks and shares Isas. We look at where you should put your money...
New highs for the stock market, stamp duty avoidance schemes and HMRC targets second homeowners
21 Feb 2013
Contributed by Lukas
The stock market hits new highs - but can it last much longer? Stamp duty - it's one of the most unpopular taxes in Britain, but it's unwise to try to...
Long term care, investing in Africa and bank advice
14 Feb 2013
Contributed by Lukas
The future of long-term care - and how to pay for it. How to invest in Africa. And the results of an FSA mystery shopping exercise into bank advice Ho...
Cash Isas, tax efficient investing and pensions
07 Feb 2013
Contributed by Lukas
Isas - why you'll have to search high and low for a decent rate on your savings. How you can back growing British businesses, and get great tax breaks...
Bond yields, tax planning and investing in art
31 Jan 2013
Contributed by Lukas
Bond yields - what it means for investors. Simple tax planning - why everyone is going back to basics. And how you can invest in one of the best-perfo...
Income drawdown, financial education and how divorce can affect your mortgage
24 Jan 2013
Contributed by Lukas
New rules for income drawdown, why we need to improve financial education, and how divorce can affect your mortgage. Hosted on Acast. See acast.com/pr...
Changes to state pension, equity income funds the future of banks
17 Jan 2013
Contributed by Lukas
What the changes to the state pension mean for you. Why not all equity income funds are created equal, and what will a visit to your bank branch entai...
Retail Price Index news, PPI mis-selling compensation and RDR orphans
10 Jan 2013
Contributed by Lukas
We explain what the retail prices index is and why it's important. Then we discuss whether websites can replace financial advice. And end with whether...
IFA sales tactics, charitable donations and overseas pensions traps
13 Dec 2012
Contributed by Lukas
How risky are the funds your IFA has sold you? We also look at ways to give to charity and save tax at the same time. And the overseas pensions traps ...
FT Money Autumn Statement special podcast
06 Dec 2012
Contributed by Lukas
FT Money talks to John Whiting, tax policy director at the Chartered Institute of Taxation about how the chancellor's Autumn statement will affect you...
Employee pensions, RDR and investing in racehorses
29 Nov 2012
Contributed by Lukas
Should charges be clearer for workplace pensions? RDR is coming - we ask the FSA what it will mean for financial advice. And horse racing - is there a...
Pension tax relief, demographics and silver
22 Nov 2012
Contributed by Lukas
Pensions tax relief under threat, why the stock market can't fix our retirement problems. And how to get exposure to an asset that some think could ri...
US election impact on investors, four-bedroom properties, and equity funds
01 Nov 2012
Contributed by Lukas
Ellen Kelleher of FTfm looks at how investors can take a position on Obama vs Romney; Lucien Cook, director of residential research at Savills, tells ...
Barclays/ING, ethical investing and workplace savings
10 Oct 2012
Contributed by Lukas
What Barclays' takeover of ING Direct means for savers and borrowers, can ethical investing pay? And ways your employer can help you to save and inves...
State pensions, annuities and farmland values
19 Sep 2012
Contributed by Lukas
More tinkering with the state pension: where does it leave those approaching retirement?A major provider pulls out of the annuity market. And has the ...
Bond funds, cash lump sums and the new Barclays CEO
29 Aug 2012
Contributed by Lukas
It is time for investors to switch out of bond funds, what to do if you have a cash lump sum and can Antony Jenkins put some zip back into Barclays sh...
Free banking, safe haven investments and investment trusts
22 Aug 2012
Contributed by Lukas
Overdraft charges soar to £900 a year - how to avoid the fees. Where can you go to pick up a "safe" investment? And why you can't always have the inv...
Energy bill, food prices and higher buy-to-let yields
15 Aug 2012
Contributed by Lukas
This week's Money Show focuses on whether you should fix with your energy supplier, the factors affecting our supermarket bills and the outlook for bu...
Prime lending, the gold bubble, and unsuitable Sipps
08 Aug 2012
Contributed by Lukas
We examine why some wealthy borrowers are being turned away by some banks. Also, is the tide turning on gold - should you sell up now? And which inves...
Falling loan rates, currency funds and PPI
01 Aug 2012
Contributed by Lukas
We look at new historic low mortgages for low-risk borrowers. Also, Alice Ross, the FT currencies correspondent talks to the Money team about investin...
Falling mortgage rates, investment trusts and investing in the Olympics
25 Jul 2012
Contributed by Lukas
New cuts to mortgage rates - how low can they get? Investing for the long term - why investment trusts should be in your portfolio. And the Olympics -...
Shake-up of high street banks, rogue letting agents and pension fees
18 Jul 2012
Contributed by Lukas
Co-op buys 632 branches from Lloyds - what will this mean for customers? Why are rogue letting agents allowed to exploit landlords, and how fees are c...
New banks, paying for care and rising commercial property yields
11 Jul 2012
Contributed by Lukas
Can any of the new banks really hope to challenge the big five providers? How will the 'pay when you die' care proposals really work, and why investor...
Quantitative easing, the retail distribution review and where to get the lowest mortgage rates
04 Jul 2012
Contributed by Lukas
We look at how savers will be affected by the new round of quantitative easing and whether new rules will mean fund managers and platforms come clean ...
Cashless society, hopeless interest rates and lenders trying to make mortgages easier
28 Jun 2012
Contributed by Lukas
Why the RBS computer glitch calls new payment technology into question; how personal pensions can pay just 0.2 per cent on cash, and why some lenders ...
Pension fraud, Severn Trent retail bond and consent-to-let mortgages
20 Jun 2012
Contributed by Lukas
We reveal a big increase in pension fraud as well as a new index linked bond launch from Severn Trent. And why borrowers need their mortgage lender's...
Is your financial adviser truly "independent"?
13 Jun 2012
Contributed by Lukas
The FSA publishes its final guidance on the definitions of independent and restricted advice - what does it mean for investors? We look at the fixed-r...
Roundtable discussion: Are emerging markets a safe haven?
06 Jun 2012
Contributed by Lukas
Expert commentators discuss emerging and developed markets from the private investors' point of view. Tim Bond, investment strategist at Odey Asset m...
Bank of Cyprus savers, emerging markets, and pension protection
06 Jun 2012
Contributed by Lukas
The euro crisis hits Cyprus - but at least UK savers have some protection. Experts ask if emerging market are a safe haven, and we ask the pension min...
Eurozone crisis special - your pensions, savings and mortgages
23 May 2012
Contributed by Lukas
Will your pension be reduced and what can you do about it? How safe are your savings - if they're only protected by the European safety scheme? And wi...
Europe in crisis - is there anything investors can do to protect their portfolios?
16 May 2012
Contributed by Lukas
Should investors move to safe havens or sit tight and try to ride out the storm? We ask Tom Stevenson of Fidelity Worldwide Investments. HSBC backtrac...
Alternative investments, absolute return funds and fixed-rate mortgages
25 Apr 2012
Contributed by Lukas
The FSA crack down on “death bonds”, why absolute return funds don’t always do what they say on the tin, and why are two-year fixed mortgages th...
QE and annuities, peer-to-peer lending and investing in water
19 Apr 2012
Contributed by Lukas
A Parliamentary committee calls for Government action to address QE’s adverse impact on pensioners; how private investors can speculate on that ulti...
Get your tax affairs in order
11 Apr 2012
Contributed by Lukas
Could the chancellor's 'surprise' at the use of tax reliefs mean we all have to pay more? And when is the best time to get your tax affairs in order -...
Last minute Isas, baby boomers and new HSBC mortgage rules
28 Mar 2012
Contributed by Lukas
We look at the best of the last minute cash Isa savings rates. There's some good news for baby boomers upset over the 'granny tax', and why some HSBC ...
Budget 2012: Your money
22 Mar 2012
Contributed by Lukas
We explain what it all means for you in this special budget edition with John Whiting, tax policy director of the Chartered Institute of Taxation. Fro...
Transferring cash Isas, 100 year gilts and structured products
15 Mar 2012
Contributed by Lukas
In this week's show we look at why it still take 15 days to transfer a cash Isa. Also, will the government's new 100-year gilts be any use to income i...
Rising mortgage rates, Isa season and pension annuity options
08 Mar 2012
Contributed by Lukas
We look at why Halifax and Bank of Ireland borrowers should get off the lender's SVR. How to decide on which Isa to go for, and why you need to know a...
Pension transfers, mobile phone payments and investing in growth funds
01 Mar 2012
Contributed by Lukas
We look at whether you should ever transfer out of an employee pension scheme. Also, who is offering mobile phone payment services, and where should y...
How to benefit from employee share schemes
19 Jan 2012
Contributed by Lukas
Will it become easier to share in your employer's profits under new government proposals? We also look at the most profitable buy to let properties an...
Do FSA fines do any good, Anthony Bolton's outlook for 2012 and could property be a better bet next year?
16 Dec 2011
Contributed by Lukas
Financial companies have been fined £63m this year but do these fines work? Anthony Bolton on why China is fair value. And we look at why lenders are...