In this week's episode we have the founder of PensionCraft, Ramin Nakisa, who also was a strategist for 12 years at a Swiss investment bank. In this episode we discuss: - 2 Investments To Build and Grow Your Wealth In 2025 - Lessons from 15 Years in Investment Banking - How Investment Banks Make Money - The Psychology of Investing - Steps to make your first investment today - ETFs vs Index Funds - Should You Invest In Global Index Funds and much more *CORRECTION: I said at 1:07:06 that 3% of the population have a stocks and shares isa it's approximately about 6%. Apologies for that error 🔗 Connect with Ramin: https://www.youtube.com/@Pensioncraft https://pensioncraft.com 📩 Sign up to my mailing list to be the first to know about upcoming events: http://eepurl.com/hJEcLL 🤝Sponsors Yesim - Get €5 off any plan with my code "savvy5" https://bit.ly/41OAO6i Tide - Earn 3.81% AER Variable on your business savings here: https://glnk.io/91954/ato8fr You'll get a free £100 when you use the code ‘SAVVYWALLET’ and fund the Instant Savings Account with £5,000 within the first 30 days. Ts&C's apply. New Tide members receive a 0.77% AER boost on the standard 3.04% AER on unlimited balances until 01/06/25, after that the standard rate applies with no interest earned on balances over £75,000. Rates correct as of 06/02/2025. Terms and conditions apply. Visit tide.co/savings for up to date rates. ➡️ Follow Savvy Wallet on: Instagram: https://www.instagram.com/savvywallet TikTok: https://www.tiktok.com/@savvywallet Check out our partners who offer Stocks and Shares ISA and more: ⚡️Trading 212⚡️(The investing platform I use) Get a FREE fractional share worth up to £100 when you open an ISA or invest account and deposit at least £1, using my link: https://www.trading212.com/join/SAVVY If you don't get the free share automatically after depositing £1. Use the code "SAVVY" in the promo code box. You can use this code for up to 10 days after opening the account. When investing, your capital is at risk. Tax treatment depends on your individual circumstances and regulations which may change. Other fees may apply. TIMESTAMPS 00:00 - Preview 01:11 - Intro 01:47 - Meet Investing Expert & PensionCraft Founder Ramin Nakisa 05:41 - Working in a Swiss investment bank 08:40 - Yesim Ad 10:12 - How do investment banks make their money? 15:23 - How the investment banking industry impacts you 17:23 - Sophisticated investors don’t have complex investment portfolios 18:20 - 15 years of lessons in investment banking 21:01 - Tide Ad 24:21 - Even if you don’t borrow, interest rates affects you! 25:50 - What really is investing? 27:54 - What is risk free premium? 31:06 - What is an equity? 32:35 - How is a bond different to an equity? 36:54 - Why is it important to invest ? 37:22 - This is the first step to investing 42:34 - When is the right time to sell your investments? 45:52 - The psychology of investing 50:42 - How to overcome the fear of the stock market crashing 56:21 - You need to work out your risk capacity & risk appetite 58:30 - How to be a more disciplined investor 01:01:17 - How to overcome the fear of investing? 01:02:32 - Steps to make your first investment today? 01:08:00 - Make your child a Pension Millionaire 01:09:27 - The 4% rule 01:11:10 - You only need 3 investments! 01:12:57 - Pitfalls for newer investors to avoid! 01:14:41 - How to figure out what global fund to go for? 01:20:03 - Should you still invest in global index funds? 01:24:02 - Why is it so hard to beat the stock market? 01:30:44 - The benefits of investing in a global index fund 01:34:22 - Risks to investing? 01:35:27 - Key lessons from investing and working an investment banking 01:37:12 - Why I invested in crypto 01:40:36 - How Pension craft helps you 01:43:10 - Final words #FinancialPlanning Learn more about your ad choices. Visit megaphone.fm/adchoices

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