Beyond the Market

Anthony Cotter
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Wecome to Beyond the Market with Anthony Cotter. In this podcast we learn how to become a great investor, think and invest for the long term and ignore the short term noise in the market, news and social media.

  1. 6d ago

    Episode 78 - Why are so many people in the UK scared of investing?

    Why are so many people in the UK still scared of investing? After one of my recent social media posts went viral, I was flooded with comments saying investing was gambling, that I wanted people to lose their money, and that keeping cash in the bank was the safer option. To me that reaction says a lot about how investing is still viewed in the UK. In this episode of Beyond the Market, I look at why millions of people are comfortable saving money but never make the step into investing, despite having long-term financial goals. We look at FCA data showing that millions of UK adults hold significant amounts of cash without investing, why so many people never even consider the stock market, and the contradiction between being afraid of investing while already investing through a workplace pension. I also explore where these beliefs come from, including family, financial education, property, generational differences and the stories we hear about people losing money. One the biggest things that this highlights is that financial education in this country leaves a lot to be desired, with misinformation a huge problem. Make sure you rate the podcast whereever you listen to your episodes and don't forget to follow @anthonycotterfinance on Instagram and TikTok.

  2. Sep 21

    Episode 77 - What £13,000 a year tells you about how much you really need invested for retirement.

    The UK State Pension is going to be worth more than £13,000 a year for the first time. This has made quite a lot of noise this week, with people talking about pensioners paying tax or intergenerational fairness. But I think that actually misses the bigger point. This is a moment to think about investing and how much you'd need invested to comfortably withdraw £13,000, as that will shock you. Because if £13,000 a year doesn’t sound like enough to fund the retirement you want, the important question is how much do you need and what would you need invested to generate that income yourself? Using the 4% rule as a simple retirement planning framework, generating £13,000 a year would require roughly £325,000 invested. Suddenly, aiming for your first £100,000 portfolio doesn’t sound quite so big. I break down the 4% rule, why £100,000 should be viewed as a major milestone rather than the finish line, and how to work backwards from the lifestyle you actually want. I also explain why I prefer to think about retirement as a number rather than an age and why building your own invested assets gives you more control over when and how you eventually stop working. If you’re building your first £100k invested, planning for retirement or wondering how much money you actually need invested, this episode will help put those numbers into perspective. Make sure you follow @anthonycotterfinance on Instagram and TikTok.

  3. Sep 14

    Episode 76 - Don't copy what Billionaire invest into

    When you see a billionaire investing millions into a start-up, cryptocurrency, property or the next big technology, it is easy to assume they know something you don’t. But that headline usually tells you very little about how they actually built their wealth. In this episode of Beyond the Market, I look at the billionaire family behind LEGO and their investment into plastic recycling, and why copying the most interesting part of a wealthy person’s portfolio can be a huge mistake. I explain why the size of an investment means very little without understanding the rest of the portfolio, why a tiny speculative position for one investorcan be an enormous risk for another, and why your ability to take investment risk changes dramatically as your wealth grows. I also share how I think about building an investment portfolio as a pyramid, creating a strong foundation first, before moving into individual stocks, property, private businesses, start-ups, crypto and other higher-risk investments. The boring part of your portfolio might not make the headlines, but it is often the part doing most of the work. If you are building towards your first £100,000 invested, this episode is about focusing on the foundation before chasing the interesting stuff. Make sure that you follow @anthonycotterfinance on Instagram and TikTok for more finance and investing content.

  4. Sep 7

    Episode 75 - A Boring Investment Portfolio Is a Feature, Not a Bug

    Investing is boring. And that kind of the point. In this week's episode of Beyond the Market, I explain why a boring investment portfolio isn't something you need to fix and why constantly searching for something more exciting can actually make it harder to build long-term wealth. I look at why so many people associate investing with trading, stock picking and constantly watching markets, and how that expectation can push investors towards unnecessary risk. I also share a real example from the COVID investing boom, where bought into the hype then went from boom to bust. We also look at what actually matters when you're building your first £100,000 invested, which is the boring stuff, how much you invest, how long you stay invested and whether you can stick with your strategy. I explain why compounding feels painfully slow at first, why respectable stock market returns can seem underwhelming, and why repeatedly changing your investment strategy can interrupt the very process you're relying on to build wealth. Your portfolio doesn't need to entertain you. It's job is to fund the life that you want to lead.

  5. Aug 31

    Episode 74 - What is really stopping you from investing?

    Why haven’t you started investing yet? For most people, it isn’t because they don’t understand that investing can help them build long-term wealth. Instead, there are a handful of barriers that keep them waiting for the “right” moment. In this episode of Beyond the Market, I break down four of the biggest reasons people put off investing, the fear of losing money, feeling like they don’t know enough, believing they don’t have enough money to start, and convincing themselves they’ll invest later. Drawing on 15 years of investing experience and over a decade working professionally in finance, I explain why investing doesn’t require perfect knowledge, why volatility is different from permanently losing money, and why starting with £100 can matter far more than it initially appears. I also look at the cost of waiting and why intelligent professionals can fall into the trap of turning investment research into procrastination. If you don't already, make sure that you subscribe and don't forget to follow @anthonycotterfinance on Instagram and TikTok.

  6. Aug 24

    Episode 73 - Investing into individual stocks is not stupid, but doesn't mean you should.

    Is investing in individual stocks stupid? That is the argument I keep seeing across personal finance social media. And while I agree that most people probably should not be picking individual stocks, I completely disagree with the idea that stock picking itself is "stupid". In this episode of Beyond the Market, I explain why investing in individual companies is far harder than most people realise. I've been investing for 15 years and work in finance, so I know first hand. We look at what actually goes into analysing an individual company, how much research professional investors undertake before say "yes" because most of the time you do teh research to a point where you say "No". Even experienced fund managers struggle to consistently outperform the market. They have teams of analysts, access to information and management, which individuals don't have. And spending an hour scrolling through Reddit to find bargains isn't going to be a strategy long term. Finally, I explain why I still invest in individual stocks myself and why that does not mean I think everyone else should. If you are building your first £100,000 invested and wondering whether to choose individual stocks, ETFs or index funds, this episode will help you understand the trade-offs. If you enjoy this episode, rate it 5 stars wherever you listen to your podcasts, and don't forget to follow @anthonycotterfinance on Instagram and TikTok.

  7. Aug 17

    Episode 72 - Why my investing has got more simple.

    In this episode of Beyond the Market, I explain how my approach to investing has changed after more than a decade of investing professionally and why experience has pushed me towards simplicity rather than complexity. When I started investing, I thought being a good investor meant researching individual stocks, building financial models, finding undervalued companies and trying to outperform the stock market. But professional investing taught me something more important, that genuinely attractive investments are difficult to find, and proper research takes a huge amount of time. Over time the way that I ivnest has developed, from thinking that I had to invest into individual stocks to today, where the a significant portion of my personal portfolio is invested through diversified index funds and ETFs. Individual stocks still have a place, but they now have to justify why I should own them instead of simply owning the broader market. I also discuss why this matters when building your first £100,000 invested, why contribution rate often matters more than constant portfolio optimisation, and how complexity can become another form of investing procrastination. If you don't already make sure you follow @anthonycotterfinance on Instagram and TikTok. If you did enjoy this episode, it would be great if you could leave a review, wherever you listen to your podcasts.

  8. Aug 10

    Episode 71 - The Stock Market Is (Probably) Not Going to Zero

    What would actually happen if the stock market went to zero? It is one of the biggest fears stopping people from investing: “What if I put my money into the stock market and lose everything?” In this episode of Beyond the Market, I break down what a stock market going to absolute zero would really mean. We look at how the stock market actually works with using the S&P 500 as the example, why individual companies can go bankrupt without the entire index disappearing, and how an index continually evolves as companies rise, fall and are replaced. But then we take the argument further. What would it take to actually go to zero? What would need to happen for every major company to become completely worthless? What happens to banks, currencies, property rights and the wider financial system in that scenario? And even after a catastrophic event, would businesses producing food, energy, medicine and transport really remain worthless forever? We also explore why people fear losing everything in the stock market in the first place, and how stories about failed companies, speculative investments and trading losses can distort how we think about diversified investing. If you have ever worried about investing in the S&P 500, ETFs or index funds because “the market could go to zero”, this episode is for you. If you don't already make sure that you follow @anthonycotterfinance on Instagram and TikTok where I talk about all things finance daily.

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About

Wecome to Beyond the Market with Anthony Cotter. In this podcast we learn how to become a great investor, think and invest for the long term and ignore the short term noise in the market, news and social media.

Information

  • Creator
    Anthony Cotter
  • Years Active
    2025 - 2026
  • Episodes
    78
  • Rating
    Clean
  • Copyright
    © Anthony Cotter
  • Show Website
    Beyond the Market