Investing Unlocked

Georgie Frost

Investing Unlocked is a smart, straight-talking podcast that decodes the jargon for people who want to make more of their money and understand what really drives investment performance. Join Georgie Frost, multi-award-winning financial broadcaster, with regular guest Simon Lambert, alongside an impressive lineup of leading financial experts, as they go beyond the latest finance stories to explore the building blocks of investing, the behaviour behind it, the history that shaped it, and the big ideas influencing what happens next. As investing moves to the centre of financial life in 2026, the show invites in the people traditional finance has left behind. Investing Unlocked is sponsored by PensionBee.

  1. 2d ago

    SpaceX, the World Cup & the Business of Belief 

    SpaceX's IPO. The World Cup. Two of the biggest events on the planet right now. One involves investors pouring billions into a company promising to reshape the future. The other involves fans paying thousands to watch 22 people kick a ball around a field. But when excitement reaches fever pitch, who actually wins? In this episode of Investing Unlocked Extra, Georgie Frost is joined by Economics Editor at Investors' Chronicle, Hermione Taylor, to explore the economics behind two global phenomena. What exactly are investors buying when they buy into SpaceX? Are they backing a business, or a vision? With AI companies, IPO hopefuls and tech giants all demanding fresh capital, where is all that money coming from? And what can the World Cup teach us about value, price and speculation? Why are fans willing to pay Taylor Swift prices for football? Do host countries really benefit from staging major tournaments? And when you follow the money, who are the real winners? A conversation about hype, scarcity, storytelling and what happens when excitement becomes an asset. Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you. PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast. Take control of your retirement today with PensionBee. When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost, to watch the video podcast.  Instagram: https://www.instagram.com/investing.unlocked/ Georgie Frost  Instagram: www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: linkedin.com/in/georgie-frost-a1b090110 Hermione TaylorLinkedIn: linkedin.com/in/hermione-taylor

    24 min
  2. Jun 10

    Is Now the Time to Invest in the UK Stock Market? – with Clive Beagles

    The UK stock market has been described as cheap, undervalued and out of favour for years. But according to Clive Beagles, the real story is far more alarming: at the current rate of takeovers, the UK could have no stock market left in ten years. So is it time to back Britain – or is it already too late? In this episode of Investing Unlocked, Georgie Frost and Simon Lambert talk to Clive Beagles – Senior Fund Manager at J O Hambro Capital Management – to make sense of why one of the world's oldest stock markets is sleepwalking towards irrelevance. They get into the "Cool Britannia" era of the 90s versus today, how negative press coverage has become a self-fulfilling prophecy, and what the FTSE 100 and FTSE 250 actually tell you about the UK economy. Clive also explains how unlocking the vast savings held by UK households could be the key to turning things around – and what investors should actually do with UK equities right now. Please remember: this podcast is for information and educational purposes only and does not constitute financial advice.Capital is at risk. Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you. PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast. Take control of your retirement today with PensionBee. When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost, to watch the video podcast.  Instagram: https://www.instagram.com/investing.unlocked/ Georgie Frost  Instagram: www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: linkedin.com/in/georgie-frost-a1b090110 Clive BeaglesLinkedIn: https://www.linkedin.com/in/clive-beagles-1742321a6/

    49 min
  3. Jun 3

    ISA Shake-Up: What the Latest Changes Mean for Your Money

    ISAs are back in the spotlight after the government's decision to cut the Cash ISA allowance for under-65s from next year. But that's only part of the story. In this episode of Investing Unlocked Extra, Georgie Frost is joined by Sarah Coles, Head of Personal Finance at AJ Bell, to separate fact from fiction and explain what the latest ISA changes could mean for savers and investors. They discuss: • Why the government is changing Cash ISAs • Whether the reforms will actually encourage more investing • The speculation around taxing cash held within Stocks & Shares ISAs • What happens to transfers between Cash and Stocks & Shares ISAs under the new rules • Why flexibility matters when it comes to saving and investing • Whether higher taxes on savings, dividends and capital gains signal a wider shift in UK wealth taxation Plus, Sarah shares practical tips on choosing the right ISA for your goals and the one group of savers who may want to consider taking action before the new rules come into force. If you're wondering how the ISA landscape is changing — and what it could mean for your financial future — this episode is essential listening. Please remember: this podcast is for information and educational purposes only and does not constitute financial advice. Capital is at risk. Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you. PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast. Take control of your retirement today with PensionBee. When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost, to watch the video podcast.  Instagram: https://www.instagram.com/investing.unlocked/ Georgie Frost  Instagram: www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: linkedin.com/in/georgie-frost-a1b090110 Sarah ColesLinkedIn: linkedin.com/in/sarah-coles-720b2113

    23 min
  4. May 27

    How to Build Real Wealth for Your Kids – with Claer Barrett

    What if the greatest financial gift you could give your child isn't a savings account? It’s timing. In this episode of Investing Unlocked, Georgie Frost and Rick Kelsey sit down with Claer Barrett – FT consumer editor, money expert and author of the bestselling What They Don't Teach You About Money – to make the case for investing for kids, and explain exactly how to do it. They cover everything from Junior ISAs and Junior SIPPs to stock market investing for children – and how to make it work even when money is tight. But building wealth is only half the story. This episode also explores how best to tackle difficult money conversations and how to help your children make smart decisions when they finally get access to the pot. Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you. PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast. Take control of your retirement today with PensionBee. When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost, to watch the video version Instagram: https://www.instagram.com/investing.unlocked/ Georgie Frost  Instagram: www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: linkedin.com/in/georgie-frost-a1b090110 Rick Kelsey Instagram: https://www.instagram.com/rickkelsey/?hl=en-gb LinkedIn: linkedin.com/in/rickkelsey Claer BarrettInstagram: https://www.instagram.com/claerb/?hl=enLinkedIn: linkedin.com/in/claer-barrett-74088414

    46 min
  5. May 20

    Why Rising Gilt Yields Matter – with Cherry Reynard

    UK government borrowing costs have climbed to their highest levels in decades – and suddenly the bond market is back in focus. In this episode of Investing Unlocked Extra, Georgie Frost is joined by author and award-winning investment journalist Cherry Reynard to unpack what’s happening in the gilt market, why investors are getting nervous about Britain’s finances and what it could mean for mortgages, pensions and the wider economy. They discuss: What gilts actually are – and why they matterWhy rising yields affect mortgage rates and borrowing costsWhether this is another “Liz Truss moment”The role of inflation, energy prices and political instabilityWhy bond markets care so much about fiscal credibilityWhether UK government debt is becoming a problemHow gilts show up in pensions and investmentsWhether bonds are actually attractive again for investorsCherry also explains the famous “bond vigilantes” idea, why markets can intimidate governments, and whether Britain’s finances are more fragile than many people realise. If you’ve heard people talking about gilt yields and wondered why it matters to your own money, this episode breaks it down clearly, calmly and without jargon. Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you. PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast. Take control of your retirement today with PensionBee. When investing, your capital is at risk. To hear more from us:YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost, to watch the video versionInstagram: https://www.instagram.com/investing.unlocked/ Georgie Frost Instagram: https://www.instagram.com/georgiefrostmoney/?hl=enLinkedIn: https://uk.linkedin.com/in/georgie-frost-a1b090110

    20 min
  6. May 13

    Is Property Still a Safe Investment? – with Rob Dix

    For generations, we’ve been told that property is the "default" safe bet. But the world is changing fast. Landlord numbers are falling, and interest rates are staying higher for longer. In this episode of Investing Unlocked, Georgie Frost and Simon Lambert sit down with Rob Dix – author, landlord and co-founder of Property Hub – to ask if investing in property is still worth it. And if it is, how do you actually do it well? They interrogate the long-held British belief that "my property is my pension," identifying who property genuinely suits as an asset class – and who should walk away. The conversation also covers what actually makes a "good" investment property in 2026 and exactly what you’ll need to consider before you even think about buying. For anyone who has ever assumed property is "safe as houses”, this episode will make you think again. Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you. PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast. Take control of your retirement today with PensionBee. When investing, your capital is at risk. To hear more from us:YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost, to watch the video versionInstagram: https://www.instagram.com/investing.unlocked/ Georgie Frost Instagram: https://www.instagram.com/georgiefrostmoney/?hl=enLinkedIn: https://uk.linkedin.com/in/georgie-frost-a1b090110 Simon LambertLinkedIn: https://uk.linkedin.com/in/simon-lambert-26013233X/Twitter: https://x.com/_simonlambert?lang=en Rob DixInstagram: https://www.instagram.com/therobdix/LinkedIn: uk.linkedin.com/in/rob-dixWebsite: https://propertyhub.net/rob-dix/

    1 hr
  7. May 6

    Are Your Pensions at Risk? – with Tom McPhail

    If you’ve got a pension, chances are big changes are coming - whether you realise it or not. From a brand new pensions bill to debates over the future of the triple lock, and even changes to salary sacrifice, the UK pensions landscape is shifting fast. In this episode of Investing Unlocked Extra, Georgie Frost speaks with pensions expert and Times columnist Tom McPhail about what’s changing, what it means for your retirement, and what you should actually be paying attention to. They also explore the growing tension between government control and individual choice, why trust in the system matters more than ever, and the simple steps people can take to stay on track. In this episode, we explore: What the new pensions bill actually means for saversWhy the government wants “fewer, bigger, better” pension schemesThe controversy around the government’s proposed investment powersWhat the triple lock is - and why its future is under threatHow changes to salary sacrifice could affect higher earnersWhy many people are losing trust in pensions and investingWhat younger generations are really up against financiallyThe simple steps you can take now to build a stronger retirement planIf you’re unsure what all these changes mean for you - or whether you’re doing enough for retirement - this episode breaks it down in a way that actually makes sense.Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you. PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast. Take control of your retirement today with PensionBee. When investing, your capital is at risk. Guest Tom McPhail Pensions Expert & Times Columnist https://www.thetimes.com/profile/tom-mcphail LinkedIn: https://www.linkedin.com/in/tom-mcphail-9260a624/ X (Twitter): @PensionsMonkey Follow & Catch Up With Us Investing Unlocked Instagram: https://www.instagram.com/investing.unlocked/ Georgie Frost Instagram: https://www.instagram.com/georgiefrostmoney LinkedIn: https://uk.linkedin.com/in/georgie-frost-a1b090110

    31 min
  8. Apr 29

    Why Smart People Make Poor Money Decisions – with Vicky Reynal

    British households are sitting on £430 billion in cash that could be invested. So what's stopping us?  The truth is, most people are terrible with money - but it's not for lack of knowledge. It's how we're wired. In this episode of Investing Unlocked, Georgie Frost and Simon Lambert sit down with financial psychotherapist, Vicky Reynal - Times columnist and author of Money on Your Mind - for a rare look at the psychology behind our most common investing mistakes. They get into why intelligent, successful people still make poor money choices, how the beliefs we picked up in childhood shape the way we invest today, and how to rewire those subconscious patterns and take back control of your financial future. Thank you to our sponsor PensionBee - a leading online pension provider who is on a mission to build pension confidence so that you can enjoy a happy retirement. With PensionBee, you can manage your pension savings with ease and can combine and contribute all from one app. If you're over the age of 55 (rising to 57 from 2028) you can start making pension withdrawals with ease and in a way that suits you. PensionBee’s website and award-winning app make retirement planning simple with helpful tools like a Pension Calculator, blogs, videos and a monthly podcast - The Pension Confident Podcast. Take control of your retirement today with PensionBee. When investing, your capital is at risk. To hear more from us: YouTube: Subscribe to our channel, Investing Unlocked with Georgie Frost, to watch the video version Instagram: https://www.instagram.com/investing.unlocked/ Georgie Frost  Instagram: https://www.instagram.com/georgiefrostmoney/?hl=en LinkedIn: https://uk.linkedin.com/in/georgie-frost-a1b090110

    45 min

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About

Investing Unlocked is a smart, straight-talking podcast that decodes the jargon for people who want to make more of their money and understand what really drives investment performance. Join Georgie Frost, multi-award-winning financial broadcaster, with regular guest Simon Lambert, alongside an impressive lineup of leading financial experts, as they go beyond the latest finance stories to explore the building blocks of investing, the behaviour behind it, the history that shaped it, and the big ideas influencing what happens next. As investing moves to the centre of financial life in 2026, the show invites in the people traditional finance has left behind. Investing Unlocked is sponsored by PensionBee.

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