PensionCraft

two sentences.In this video the creator breaks down the three‑pillar framework—rate, tax and protection—that determines the best cash‑saving strategy, walks through the seven main UK savings tools (easy‑access, fixed‑term, notice, regular savers, cash ISAs, Sharia‑compliant and NS&I) with up‑to‑date rates, and shows how to allocate money across them for optimal after‑tax returns. The guide also explains tax‑efficient options for basic‑ and higher‑rate earners, presents advanced low‑coupon gilt and money‑market‑fund tactics, and recommends Raisin UK as a one‑stop marketplace for conveniently managing multiple accounts.

In this video the creator explains why he moved from a single, 100 % global‑equity fund to a balanced 60 % equity and 40 % money‑market portfolio, emphasizing that once you’ve reached “your number” the focus shifts from chasing the highest return to taking only the amount of risk you truly need. He also shares broader takeaways about personalizing risk based on horizon, capacity and appetite, keeping portfolios simple, and knowing when to protect capital, while inviting viewers to subscribe and learn more through his community.

In this video, I share my market crash shopping list for 2026, highlighting investment opportunities that I plan to buy during stock market corrections, while also reviewing the performance of previous investments. Sponsored by Lightyear, I discuss specific themes like semiconductors, European defense, and cyber security, emphasizing the importance of strategic buying during market downturns.

In this video, we explore the Bank of England's warning about potential overvaluation in the AI sector, drawing parallels to the dot-com bubble and highlighting significant risks posed by a looming $5 trillion debt crisis. We'll analyze why current market conditions could lead to drastic corrections and the broader implications for the global economy.

In this video, the speaker analyzes the Bank of England's decision to cut interest rates by 0.25% and discusses the implications for the UK economy and various asset classes. Detailed insights on the differing opinions within the monetary policy committee and market reactions provide a comprehensive overview for investors concerned about economic growth and inflation trends.

In this video, learn how to create an all-weather portfolio tailored for UK investors using low-cost index funds, focusing on diversification across growth assets, bonds, and inflation hedges. By exploring the principles of all-weather investing, viewers can adapt the example portfolio provided to suit their individual needs while aiming for steady, consistent returns.

In this video, the speaker provides an analysis of the Federal Reserve's December 2025 FOMC meeting, summarizing the decision to cut interest rates by 25 basis points amidst a dual mandate tension between maintaining full employment and controlling inflation. He discusses the implications of rising unemployment, the mild inflationary pressures from tariffs, and the economic outlook influenced by AI productivity, while also engaging viewers with a Q&A session featuring his dog, Teddy.

In this insightful video, we explore investment strategies for 2026, analyzing global valuations and identifying which countries and sectors present the best opportunities, along with a critical look at major asset classes like gold and bonds. We also discuss the potential risks and rewards of U.S. equities and highlight the importance of patient, informed decision-making when considering market valuations.

Join us for a live Q&A session where we'll delve into the current market trends, discuss the impact of interest rates, and explore exciting developments in the global economy. Additionally, I'll share insights from my recent visit to the Bank of England, showcasing key economic factors and answering your burning questions about investing.

In this video, the presenter evaluates Vanguard LifeStrategy and other multi-asset funds, discussing their performance, fees, and suitability for various investor risk profiles. Key comparisons highlight how low-cost options can provide competitive returns, emphasizing the importance of selecting the right fund based on individual goals and market conditions.

In this video, I provide a detailed summary and analysis of the UK's Autumn Budget 2025, focusing on its implications for investors. Key discussions include the impact of changes to ISAs, pensions, and dividend tax rates, as well as market reactions to the budget announcements and their potential effects on economic growth and investment strategies.

In this video, we explore the ins and outs of premium bonds, a popular savings option in Britain offering tax-free prizes but questionable investment value. Discover how they work, the odds of winning, and why they may serve more as a government borrowing tool rather than a path to wealth for savers.

In this video, we explore the launch of crypto exchange-traded products (ETPs) for UK retail investors, discussing how these products offer regulated and tax-efficient exposure to cryptocurrencies like Bitcoin and Ethereum. We also address potential risks, operational structures, and the importance of understanding the intricacies before investing in these high-risk financial instruments.

In this video, we explore the remarkable rebound of emerging market stocks in 2025, which are outperforming US equities for the first time in years, driven by factors such as a weakening dollar and optimistic investor sentiment. We analyze the key countries contributing to this surge and discuss whether this rally can maintain its momentum amidst potential risks.

In this live Q&A, the speaker addresses pressing questions about investing and the global economy, providing insights into recent market fluctuations, particularly focused on the NASDAQ's volatility and the impact of AI on company valuations. The discussion highlights the importance of diversification and caution in investment strategies, emphasizing the need for realistic expectations amidst high valuations of major tech stocks.

In this video, we investigate the potential implications of the First Brands Group bankruptcy on the $3 trillion private credit market—an area of corporate funding that has become increasingly opaque and risky. By analyzing the intricacies of private credit and its interconnectedness with banks and other financial institutions, we ponder whether this event could signal the onset of the next financial crisis.

In this video, I discuss the Bank of England's recent interest rate decision, where they opted to maintain the rate at 4% amidst a close 5-4 vote, reflecting a divided opinion on the future of monetary policy. I analyze the implications of inflation trends, economic growth, and the careful balancing act faced by the Bank's committee as they navigate these challenges.

In this video, we explore the long-term financial performance of buy-to-let property versus index funds, revealing that both asset classes have historically delivered similar inflation-adjusted returns of about 7% per year. However, the discussion emphasizes the critical role of rental income in property investment and outlines the differences in liquidity, transaction costs, and holding requirements, ultimately suggesting that equities may provide a more favorable net return for the modern investor.

In this analysis of the October 2025 FOMC meeting, the speaker discusses the Federal Reserve's decision to cut interest rates by 25 basis points amid concerns about a cooling labor market and moderate economic growth. The video breaks down key economic indicators and offers insights into the Fed's balancing act between managing inflation and supporting employment, while also teasing further discussions and viewer questions throughout the livestream.