Money Clinic with Claer Barrett

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 hereFind out more about Algy’s book Four Ways to Beat the Market hereYou 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 [email protected] with a short description of your problem, and how you would like us to help. You can follow Claer on X and Instagram @ClaerbPresented 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 believerHow to make ISAs even nicerInvestment masterclass: ISA investing is changingIf you would like to talk to Claer on a future episode, please email the Money Clinic team at [email protected] 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 articlesMicrosoft will have observer role on Open AI's new boardTech turkeys and picking AI winnersIf you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented 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 TVFree links:Tell Sid all you like - but he might not buy NatWestThe Autumn Statement and your moneyQ&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 hereHear 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 [email protected] with a short description of your problem, and how you would like us to help. Follow Claer on X and Instagram @ClaerbPresented 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 hereFor more about the FT’s Financial Literacy campaign, go hereFree links to FT articles:AI shakes up the way we work in three key industriesStagnation nation: governing the UK when ‘there is no money’Low income borrowers hit hardest by Bank of England rate risesUK households still under pressure despite lowest inflation in 2 yearsIf you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented 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 EconomicsRead 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 hereIf you'd like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem and how you would like us to help. You can follow Claer on Instagram and X @ClaerbPresented 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 [email protected] with a short description of your problem and how you would like us to help. Follow Claer on Instagram and X @ClaerbPresented 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 Kalyan bought 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 marketHow to improve your credit score If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented 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 emissionsESG ratings: whose interest do they serve?And mentioned in the show:https://makemymoneymatter.co.uk/https://ftflic.com/Clip: BBCIf you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented 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 tradingJeremy Hunt plans Isa overhaul to boost share ownershipHow to make Isas even nicerTime for Isa investors to hold fractional sharesIf you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented 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 hereThe plight of the ‘permacrisis’ and what to do about itInvestors 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 [email protected] with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented 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 wantsServices mentioned in this 2-part series:https://www.gov.uk/after-a-death/organisations-you-need-to-contact-and-tell-us-oncehttps://www.mylostaccount.org.uk/https://www.deathnotificationservice.co.uk/Telephone preference service: www.tpsonline.org.ukInformation 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 [email protected] with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented 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 wantsServices mentioned in the podcast:https://www.gov.uk/after-a-death/organisations-you-need-to-contact-and-tell-us-oncehttps://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 [email protected] with a short description of your problem, and how you would like us to help. Follow Claer on X, formerly Twitter, and Instagram @ClaerbPresented 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 Home editor Nathan Brooker asked Yolande Barnes 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 cutsFestival panel sounds death knell on the housing ladderBonuses, Brexit and Airbnb: impacts on house pricesHas 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 [email protected] 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-itJonathan Black’s careers advice column: https://www.ft.com/dear-jonathanIf you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @ClaerbPresented 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 states that 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 boomDisney turns to gamblingUK sets out biggest shake-up of gambling industry since 2005If you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help. You can follow Brooke on X, formerly Twitter, @brookemastersFollow Claer on X, formerly Twitter, and Instagram @ClaerbPresented 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 bondsBonds are no longer the safe optionThe appeal of longer bondsHow bonds ate the entire financial systemIf you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help. You can follow Brooke on X, formerly Twitter, @brookemastersFollow Claer on X, formerly Twitter, and Instagram @ClaerbPresented 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/unhedgedofferFollow 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/unhedgedofferFollow 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 [email protected] with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @ClaerbPresented 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 [email protected] with a short description of your problem and how you would like us to help. You can follow Claer on Twitter and Instagram @ClaerbPresented 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 BrosRead 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 buyIf you would like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @ClaerbPresented 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 of Which? 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 [email protected] with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @ClaerbPresented 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 Market hereYou 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 [email protected] with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @ClaerbPresented 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 2025Find out more about voluntary National Insurance contributionsSee your State Pension forecast and find any gaps in your National Insurance recordCheck your State Pension ageIf you live or plan to retire abroad, click here for the the UK’s International Pension CentreIf you would like to talk to Claer on a future episode, please email the Money Clinic team at [email protected] 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 @stevewebb1Presented 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 riseQ&A: What should I do about my mortgage?For details on the latest government support for mortgage holders see hereMentioned by Claer in the podcast: https://debtcamel.co.ukIf you would like to talk to Claer on a future episode, please email the Money Clinic team at [email protected] 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 @ClaerbPresented 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 BarnesDon’t treat crypto like gambling – even if it’s largely pointless by Helen ThomasOur 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 [email protected] 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 [email protected] 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 suspectSectors make sense for investors, not themesIf you would like to talk to Claer on a future episode, please email the Money Clinic team at [email protected] 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 [email protected] with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @ClaerbFollow Brooke Masters on Twitter @brookeamastersPresented 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 @brookeamastershttps://www.ft.com/brooke-masters?segmentId=09d1c097-c0ef-7dd1-2d95-bfc6eb43e74eCheck out Moira’a latest column herehttps://www.ft.com/content/e04ddbf1-bf9c-490c-94ac-657743d55c25?segmentId=09d1c097-c0ef-7dd1-2d95-bfc6eb43e74eFor more from Georgia, check out the Modernist Financial websiteIf you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] 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 hereCheck out a related, previous episode of Money Clinic: Interest rates, bank crises and your moneyWe'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 [email protected] with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @ClaerbPresented 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 metreFind out if you’re entitled to the new government energy scheme Money Saving Expert guide to council tax bandsOfcom social tariffs and speedsIf you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] 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 powerHow to ask for a pay rise - and when to give oneIsa season this year is a stampedeFind out more about FLIC here You can follow Claer on Twitter and Instagram @ClaerbFollow Isabel Berwick on LinkedInFT 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 [email protected] or Isabel directly at [email protected] you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] 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 customersMoira’s recent column: Isas: time to take cover from taxFollow Sally @hickles and Moira @moiraoneill on Twitter. You can follow Claer on Twitter and Instagram @ClaerbIf you’d like to talk to Claer about a future episode, please email the Money Clinic team at [email protected] 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 personMind the gap! What women need to know about investingChildcare 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 [email protected] 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 [email protected] with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @ClaerbPresented 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 YouWe'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 [email protected] with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @ClaerbPresented 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 hereCheck out last week’s Money Clinic: Interest rates, bank crises and your moneyWe'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 [email protected] with a short description of your problem, and how you would like us to help. You can follow Claer on Twitter and Instagram @ClaerbPresented 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 crisisBanking turmoil intensifies the need for better Federal Reserve policymakingWe'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 [email protected] 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 Freedom by 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 powerThanks 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 [email protected] 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 [email protected] 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 [email protected] 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-f1c6778ecfa5Sectors make sense for investors, not themes https://www.ft.com/content/19a0a68f-c3fd-4267-96a7-f2698b38b19eIf you would like to talk to Claer on a future episode, please email the Money Clinic team at [email protected] 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 [email protected] 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 [email protected] 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 AbuseUseful 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 [email protected] 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 [email protected] 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 investments by 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-d55b661c24dePassive investing has increased US stock volatility, study finds https://www.ft.com/content/818f9e83-52a8-4170-a148-80f9d9139809We'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 [email protected] 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 MusicRead a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

Thirty-year-old Henrietta wants to start investing but has found herself lost in the small print of stocks and shares ISAs. How to choose the right one? Which fee structure is right for the amount she is investing? And should she go for passive or active investing? Presenter Claer Barrett is joined in the studio by FT personal finance and investing columnists Moira O’Neill and Jason Butler to discuss everything new investors need to know about opening a stocks and shares ISA.Want more?For more about passive vs active investing, listen to Money Clinic investment masterclass The cheapest way to investStill sorting out your new year’s finances? Check out Claer’s column Five financial new years resolutions for 2023You can follow Moira @moironeill on Twitter, and check out her column Where to park a lump sum if you’ve got a bit of money you are looking to put somewhere. Jason’s Twitter is @jbthewealthman, and his latest column Are you heading for a financial car crash? is available on FT.comMoney Clinic would like to hear from you. If you have an episode idea or want to get in touch, please email us at [email protected] or DM Claer on social media. She is @ClaerB on Twitter, Instagram and TikTokPresented 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.