The Personal Investor

These red flags are signs that you are over-saving

27 May 2026

Contributed by Lukas

Today on the show - Marianna Hunt is here to tell us about the signs in your financial life that you are saving too much - and not investing enough. E...

Market news today - can shares withstand rising bond yields?

26 May 2026

Contributed by Lukas

This week in the markets: inflation dominates in a quiet week for results and economic data; meanwhile attention shifts from strong earnings growth to...

What to do when the 60/40 portfolio no longer works

21 May 2026

Contributed by Lukas

Today on the show - we welcome fund manager Jasmine Yeo to the pod to discuss the 60/40 portfolio - once investors’ best friend but a lot less r...

Market news today - All eyes on Number 10

18 May 2026

Contributed by Lukas

This week in markets: investors react to UK political drama and the world’s biggest AI company prepares to publish some blockbuster results. Fid...

The investment lessons I’m telling my grandchildren

15 May 2026

Contributed by Lukas

Today on the show - Tom Stevenson is here to pass on the investment lessons he plans on giving to his new grandson. What has he learned over a lifetim...

Is this the secret to balancing cash and investments in retirement?

13 May 2026

Contributed by Lukas

Today on the show - can you use cash to offset the risk of investment falls in retirement? Tom Stevenson has been looking at history for a plan to b...

Market news today - two way pull continues

11 May 2026

Contributed by Lukas

This week in the markets: Investors remain torn between the AI boom and the shadow of the Gulf conflict; UK government bond yields edge higher as pres...

Double tax? 9 steps to tackle the IHT change coming for your pension

07 May 2026

Contributed by Lukas

Today on the show - a potentially very important change is coming affecting pensions and the Inheritance Tax on them. For those affected it could re...

Market news today - markets at a crossroads

05 May 2026

Contributed by Lukas

This week in the markets: shares and bonds stand at a watershed as earnings soar on the back of the continuing AI investment boom but the Middle East ...

10 years of Premium Bonds vs. shares - which one wins?

30 Apr 2026

Contributed by Lukas

Today on the show - Premium Bonds continue to be the most popular financial product in the country - but do they deserve that status? Jemma Slingo is ...

Market news today - tech stocks back on the front foot

27 Apr 2026

Contributed by Lukas

This week in the markets: a busy few days beckon as technology stocks drive the market to new highs; earnings season accelerates with a focus on resul...

Markets defying gravity? The indicators for what happens next

24 Apr 2026

Contributed by Lukas

Today on the show - why have markets stormed back to new highs despite such ongoing risk and uncertainty? And which indicators should investors watc...

Market news today - a fragile V-shaped rally

20 Apr 2026

Contributed by Lukas

This week in the markets: Volatile news from the Gulf holds the key to global equity markets; but strong earnings growth puts a floor under prices for...

How - and when - should you take tax-free cash from your pension?

17 Apr 2026

Contributed by Lukas

Today on the show - when does it makes sense to take tax-free cash from your pension? And which method of taking it will be best for you? Jemma Slingo...

5 essential checks to make for the new tax year

15 Apr 2026

Contributed by Lukas

Today on the show - we are in a brand new financial year, so it’s a great time to run the rule over your finances and make sure you are on track...

Market news today - weary investors sit on their hands

13 Apr 2026

Contributed by Lukas

This week in the markets: Shares give back some of last week’s gains as peace talks stall and the US threatens to blockade the Straits of Hormuz...

The biggest questions investors need answers to now

09 Apr 2026

Contributed by Lukas

Today on the show - we’re answering your questions, and there’s really only one topic dominating investors thoughts right now. Can investo...

Smart investors use these investments for income - here’s how

08 Apr 2026

Contributed by Lukas

Today on the show - how do seasoned investors harness the power of investment trusts to pay themselves a reliable - and inflation-beating -  inco...

Market news today - Markets stabilise as Iran deadline looms

07 Apr 2026

Contributed by Lukas

This week in the markets: investors hold their breath as the deadline for a deal between Iran and the US approaches. Fidelity’s Jemma Slingo rev...

Taking 11 years of income from £100k investments - here’s what’s left

02 Apr 2026

Contributed by Lukas

Today on the show - how much money would someone who retired back in 2015 have left if they had been living from their pot all that time? We’ve ...

Who counts as rich? What frozen tax limits are costing you

31 Mar 2026

Contributed by Lukas

Today on the show - how much money do you need to earn before the tax system regards you as ‘rich’? The level at which UK workers begin to...

Market news today - 2022 revisited

30 Mar 2026

Contributed by Lukas

This week in the markets: 2022 revisited - a bad month for balanced portfolios. Fidelity’s Tom Stevenson reviews the stories moving markets.See ...

Interest rates turned upside down - here’s what happens next

27 Mar 2026

Contributed by Lukas

Today on the show - we explain the sudden turnaround for interest rates and what that means for households. Are we really about to see three interest ...

These are the money lessons to teach your children 

25 Mar 2026

Contributed by Lukas

Today on the show - what lessons do you need to teach your children to give them the knowledge they need to manage their own finances later in life? F...

Market news today - investors welcome US de-escalation in Middle East conflict

23 Mar 2026

Contributed by Lukas

This week in the markets: investors welcome US de-escalation after a shaky start to the market week. Fidelity’s Tom Stevenson reviews the storie...

If I made my first investment today - here’s what I’d do

17 Mar 2026

Contributed by Lukas

Today on the show - if we were making our first investment in 2026 - how would we do it? Leading investment journalist Holly Mead joins us to answer t...

Market news today - central banks respond to inflation threat

16 Mar 2026

Contributed by Lukas

This week in the markets: central banks are in focus as conflict in the Gulf shines a renewed light on inflation; the rotation out of the US goes into...

What investments we’re buying in our ISAs in 2026

12 Mar 2026

Contributed by Lukas

Today on the show - Jemma Slingo joins Ed Monk to discuss what each of them are putting in their ISAs this year. Ed Monk is joined by Tom Stevenson to...

Market turbulence: Here’s why savvy investors won’t be panicking

11 Mar 2026

Contributed by Lukas

Today on the show - how will seasoned investors be handling the current bout of turbulence in the markets? Ed Monk is joined by Tom Stevenson to provi...

Market news today - markets fall after historic oil price surge

09 Mar 2026

Contributed by Lukas

This week in the markets: equities and bonds fall after a historic surge in the oil price as the Middle East conflict enters its second week. Fidelity...

What to do 10 years, 5 years and 2 years from retirement 

06 Mar 2026

Contributed by Lukas

Today on the show - what plans do you need to have in place a decade from retirement? Then five years out, and finally two years from the point you qu...

Invest as a lump-sum or in stages? What the numbers say

05 Mar 2026

Contributed by Lukas

Today on the show - does it make sense to invest a whole lump sum into investments, or to phase your money over time? The method you chose can make a ...

Market news today - markets rattled by Middle East conflict

02 Mar 2026

Contributed by Lukas

This week in the markets: Investors react to conflict in the Middle East and the UK awaits the government's Spring Statement. Fidelity’s Jemma S...

The ‘set-and-forget’ funds I’m buying for the next decade

27 Feb 2026

Contributed by Lukas

Today on the show - what are the funds to buy now and hold on to about for 10 years? Tom Stevenson is here to tell us the set-and-forget funds he&rsqu...

Should parents pay uni costs or let their children take a student loan?

25 Feb 2026

Contributed by Lukas

Today on the show - why are so many concerned about Student Loans and the latest changes to them? Does it make sense for parents to pay their children...

Market news today - markets climb the wall of worry

23 Feb 2026

Contributed by Lukas

This week in the markets: Tariffs are in the spotlight again after the US Supreme Court wades into the year-old trade war; the rotation out of US stoc...

Premium Bonds: who should buy them - and who shouldn’t?

20 Feb 2026

Contributed by Lukas

Today on the show - how do Premium Bonds compare to other potential homes for your savings? When do they make sense, and when don’t they make se...

Why don’t UK investors like UK companies?

18 Feb 2026

Contributed by Lukas

Today on the show - why have UK investors been fleeing their home market? Last year was the tenth in a row that UK funds saw significant net outflows ...

Market news today - the AI glass turns half empty

16 Feb 2026

Contributed by Lukas

This week in the markets: The AI story turns from positive productivity gains to negative disruption of business models; inflation eases on both sides...

Did your cash savings lose value last year?

13 Feb 2026

Contributed by Lukas

Today on the show - there’s been an explosion of cash saving in the UK but has it delivered for savers? Have cash returns held up against inflat...

‘I have a £500k retirement fund - is it enough’

11 Feb 2026

Contributed by Lukas

Today on the show - is a half a million pound retirement fund enough to give you the retirement you want? What are the different routes to generating ...

Japanese stock soar on LDP landslide

09 Feb 2026

Contributed by Lukas

This week in the markets: Japanese stocks soar after a Takaichi landslide in Sunday’s election; US tech stocks bounce back from last week’...

State Pension in 2026/27 - and what will it be worth in the future?

06 Feb 2026

Contributed by Lukas

Today on the show - what can those receiving the State Pension expect in 2026/27? And how much will the Triple Lock be worth in the future? Ed Monk is...

This is how I’ll turn my pension into income

03 Feb 2026

Contributed by Lukas

Today on the show - Tom Stevenson is here to tell us how he’s planning on using his pension in retirement to generate an income. The assets he&r...

Market news today - gold and silver fall again

02 Feb 2026

Contributed by Lukas

This week in the markets: gold and silver fall further as investors assess America’s new central bank chief; the UK and Europe press pause on in...

Gold price surge! And should copper be your next buy?

29 Jan 2026

Contributed by Lukas

Today on the show - why are so many investors turning to metals to strengthen their portfolios? Gold, silver, and now copper are enjoying huge winning...

Five money mistakes to avoid in your 20s

27 Jan 2026

Contributed by Lukas

Marianna is here to talk us through the mistakes that can befall you in your 20s. Rising wages and access to easy credit can be exciting additions in ...

Market news today - Gold and Korea smash through 5,000

26 Jan 2026

Contributed by Lukas

This week in the markets: Gold and Korean shares soar to new record levels; Japanese shares slide after central bank intervention boosts the yen; and ...

Will stocks recover from tariff talk?

23 Jan 2026

Contributed by Lukas

This week - trade and the threat of tariffs have remerged to spook markets early in 2026. What does the experience of last year tell us about the like...

Market news today - shares climb a wall of geo-political worry

19 Jan 2026

Contributed by Lukas

This week in the markets: geo-politics casts a shadow over the ongoing bull market; while precious metals continue to offer a safe haven for nervous i...

Why it’s a myth that UK shares have a problem

16 Jan 2026

Contributed by Lukas

This week - we’re talking to one of the UK’s most prominent investors. As manager of Fidelity Special Situations, Alex Wright is more qual...

Is 2026 a good year to retire?

14 Jan 2026

Contributed by Lukas

Today on the show - how will the markets treat those looking to retire in 2026? How will current levels for shares, cash, annuities and the State Pens...

Market news today - 2026 starts as 2025 ended

12 Jan 2026

Contributed by Lukas

This week in the markets: the year end melt-up continues into 2026 as investors shrug off geo-political upheavals; and gold hits a new record on worri...

Tom’s picks: ‘Where I’m investing this year’

09 Jan 2026

Contributed by Lukas

Today on the show - Tom Stevenson is here to tell us the three funds he’s adding to his portfolio this year. We’ll hear why he’s mad...

Ask us anything: your questions on AI, gold and risks for investors in 2026

08 Jan 2026

Contributed by Lukas

This week - we’re answering your questions as we start a brand new investing year. Will the AI bubble pop? How will politics impact our financia...

Market news today - FTSE 100 breaks 10,000

05 Jan 2026

Contributed by Lukas

 This week in the markets: The FTSE 100 finally hits 10,000; the US intervenes in Venezuela; and retailers report on Christmas trading. Fidelity&...

£250k pension: here’s the retirement income you can expect

02 Jan 2026

Contributed by Lukas

Today on the show - building a pension pot of a quarter of a million pounds is a realistic aim for many people - but how much does it really get you i...

Here’s what will move stock markets in 2026

30 Dec 2025

Contributed by Lukas

What will 2026 hold for investors? Will AI continue to drive returns for another year - or will the bubble burst? What do the fundamentals tell us and...

Mortgage, ISA or pension? What most people get wrong

19 Dec 2025

Contributed by Lukas

If you’ve got a bit of extra cash each month, what’s the smartest thing to do with it? Should you overpay your mortgage, invest in an ISA ...

Jonathan Guthrie: this is the truth about investing

16 Dec 2025

Contributed by Lukas

This week - as one of the UK leading financial journalists, including as the head of the Financial Times’ Lex column, Jonathan Guthrie has seen ...

Market news today - interest rates in focus

15 Dec 2025

Contributed by Lukas

This week in the markets: The final interest rate decisions of 2025 will hog the headlines; as jobs data in the US and UK paint a picture of a modestl...

Cash ISA overhaul: what can savers do now?

10 Dec 2025

Contributed by Lukas

Today on the show - cash ISAs are changing following a much-anticipated reform announced in the Budget. What does it mean for savers, and where else m...

Market news today - Fed weighs up another rate cut

08 Dec 2025

Contributed by Lukas

This week in the markets: the Fed weighs up a third rate cut, the chancellor fields questions about her Budget, and predictions flood in for the year ...

Market news today - November breaks market winning streak

01 Dec 2025

Contributed by Lukas

This week in the markets: November breaks a seven-month winning streak for shares; we assess the odds of another Santa Rally; and the case for quality...

Budget tax rises - here’s where they hit the hardest

28 Nov 2025

Contributed by Lukas

We’re giving our verdict as the dust settles on a much anticipated Budget delivered by Chancellor Rachel Reeves this week. How will the raft of ...

How much cash should you hold in retirement?

27 Nov 2025

Contributed by Lukas

This week - how much cash should you have in retirement? I don’t mean for holidays or to fix the boiler, but as an aid to your overall financial...

Market news today - late cycle volatility

24 Nov 2025

Contributed by Lukas

This week in the markets: sentiment settles after last week’s volatility; Black Friday shines a spotlight on the US consumer economy; while here...

Does Warren Buffett still matter to investors?

21 Nov 2025

Contributed by Lukas

How relevant is Warren Buffett to investors today? The Sage of Omaha has given his latest written update to shareholders - surely one of his last. Cou...

Is the UK State Pension less generous than other countries’?

19 Nov 2025

Contributed by Lukas

Today on the show - arguments over the generosity, or otherwise, of the UK State Pension never seem to end - but how does the UK State Pension actuall...

Market news today - harvesting gains

17 Nov 2025

Contributed by Lukas

This week in the markets: Investors harvest gains after a six-month rally; the UK struggles to price in Budget speculation; and Asian markets are hit ...

Peak salary: why 47 may be the most important age of your financial life

14 Nov 2025

Contributed by Lukas

At what age can you expect your earnings to peak, and then decline. It’s a vital question for anyone planning their financial life - and it migh...

Turning point for UK economy? Interest rate cuts edge closer

12 Nov 2025

Contributed by Lukas

This week – what does a knife-edge interest rate decision at the Bank of England tell us about the state of the UK economy right now? When &ndas...

Market news today - strong earnings offset valuation fears

10 Nov 2025

Contributed by Lukas

This week in the markets: strong earnings offset valuation concerns; the US government re-opens for business; while here in the UK, jobs and GDP data ...

Gold price surge - is it too late to gain?

07 Nov 2025

Contributed by Lukas

Gold has enjoyed an incredible run, but can that continue? The precious metal has dipped from its peak this year - what happens next? Host Ed Monk is ...

The basics of building a retirement salary from investments

05 Nov 2025

Contributed by Lukas

Today on the show - how do you turn those savings you’ve been making over the years into a secure and repeatable income in retirement? Fidelity&...

Market news today - shares continue their winning streak

03 Nov 2025

Contributed by Lukas

This week in the markets: shares close out October on a winning streak; and will the Bank of England follow the Fed lower? Fidelity’s Tom Steven...

Value investing - finding the cheapest stock markets

30 Oct 2025

Contributed by Lukas

This week, what are cheapest stock markets in the world right now? It is possible to put a figure on the relative valuations of one stock market versu...

Why this is the most extreme ‘fiscal drag’ in UK income tax

29 Oct 2025

Contributed by Lukas

This week, we're talking income tax - and why, whatever happens in the Budget next month - it is already on the rise for many people. What is fiscal d...

Market news today - Fed and tech stocks test buoyant market

27 Oct 2025

Contributed by Lukas

This week in the markets: central bank meetings and tech stock results provide plenty of tests for a buoyant stock market. Fidelity’s Tom Steven...

Taking pension tax-free cash? Don’t make these mistakes

23 Oct 2025

Contributed by Lukas

This week - should you take your pension tax-free cash now? Many of those near, or in retirement are asking themselves that question as rumours swirl ...

Market news today - markets do the jitterbug

20 Oct 2025

Contributed by Lukas

This week in the markets: Investors are jittery as the US bull run enters its fourth year. Fidelity’s Jemma Slingo reviews the stories moving ma...

Market news today - 'Nervous Nineties'

13 Oct 2025

Contributed by Lukas

This week in the markets: stock markets enter the ‘nervous nineties’; earnings season kicks off; and gold pushes above $4,000. Fidelity&rs...

AI bubble? Tax rises? Six answers investors need now

08 Oct 2025

Contributed by Lukas

Today on the show - we’re answering your questions as we head - believe it or not - into the final months of 2025. Will markets crash? Are pensi...

Market news today - stock market bull turns three

06 Oct 2025

Contributed by Lukas

This week in the markets: gold and Japanese stocks pick up the leadership baton as the US bull market heads towards its third anniversary and a 90% ga...

Inheritance tax: what people get wrong about the 7-year rule

01 Oct 2025

Contributed by Lukas

Today on the show, if you know anything about inheritance tax, it’s probably that you can give your money away and, as long as you survive 7 yea...

Market news today - bull in the China shop

29 Sep 2025

Contributed by Lukas

This week in the markets: the bull market grinds higher; China picks up the leadership baton; and gold hits another new high. Fidelity’s Tom Ste...

Are we re-running the dot-com crash?

24 Sep 2025

Contributed by Lukas

This week, are there parallels between today’s record-breaking stock market and another bull market from the past — one that ended in a de...

Market news today - investors ‘still dancing’

22 Sep 2025

Contributed by Lukas

This week in the markets: the global bull market pushes higher as US monetary policy eases and investors ‘keep dancing’. Fidelity’s ...

Why are retirees rushing back to this income option?

17 Sep 2025

Contributed by Lukas

This week, after a decade or more in the wilderness, annuities are back on the agenda for those looking for retirement income. Why is that, and how ca...

Market news today - all eyes on the Fed

15 Sep 2025

Contributed by Lukas

This week in the markets: the Fed gets ready for the year’s first US interest rate cut; Asian stocks lead a global bull market; IPOs bounce back...

Bond market flashing - what it means for tax rises

10 Sep 2025

Contributed by Lukas

This week - what is rumbling in the bond market? Why have the prices of some government bonds been falling? What does it mean politically here in the ...

Market news today - final fling for markets

08 Sep 2025

Contributed by Lukas

This week in the markets: shares shrug off political turmoil as they gear up for a possible final fling at the end of a long bull market. Fidelity&rsq...

Are you ready for the 100-year life?

03 Sep 2025

Contributed by Lukas

This week, how would you cope if you lived to 100 years of age? More and more of us are reaching that milestone - and the odds of you reaching it may ...

Market news today - didn’t sell in May? Good call

01 Sep 2025

Contributed by Lukas

This week in the markets: It’s back to school after a summer in which once again it paid to ignore the traditional advice to Sell in May; but co...

Will this kill the stock market bull run?

27 Aug 2025

Contributed by Lukas

This week - it is said that bull markets don’t die of old age, they are killed off - but who could the likely culprits be? Will persistent infla...

Market news today - Rate hopes keep shares bubbling

26 Aug 2025

Contributed by Lukas

This week in the markets: Fed independence and tech results vie for investors’ attention; gold miners reap the benefit of a hike in the precious...

Is big tech about to stumble?

22 Aug 2025

Contributed by Lukas

This week - is it too late to buy those Magnificent 7 companies? They have driven returns for years now and are again making the running in 2025 - but...

Market news today - top marks for global stocks

18 Aug 2025

Contributed by Lukas

This week in markets: corporate earnings season is drawing to a close, but we have a busy week of economic news ahead Fidelity’s Jemma Slingo re...

Market news today - UK in the spotlight

11 Aug 2025

Contributed by Lukas

This week in markets: The Bank of England has lowered interest rates to 4% - but its decision leaves us with more questions than answers. Fidelity&rsq...

IHT is changing - can I still count on my inheritance?

06 Aug 2025

Contributed by Lukas

This week - the inheritance tax (IHT) net is soon to be cast more widely - will you be caught by it? Why is IHT the subject of such disagreement, how ...