The Pension Confident Podcast

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The Pension Confident Podcast

We get it, pensions can be overwhelming. But PensionBee is on a mission to build pension confidence. Whether you’re just starting your savings journey, nearing retirement, or somewhere in between, the award-winning Pension Confident Podcast is here to help you get the best out of your pension. Subscribe today to hear from some of the best brains in personal finance every month, and get expert insights from the PensionBee team. Remember, anything discussed on this podcast should not be regarded as financial advice and as always with investments, your capital is at risk. https://www.pensionbee.com/podcast

  1. DEC 15

    E34: Unpacking 10 years of the pension changes with Damien Fahy, Sam Brodbeck, and Romi Savova

    Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   Over the past decade, British pensions have undergone significant transformations. With the introduction of Auto-Enrolment, advances in technology, and more flexible regulations, it’s become easier for individuals to plan and manage their retirement savings.   As the new government took office, the Chancellor introduced yet more changes to pensions in the Autumn Budget. So, what can we expect moving forward?   Join our host, Philippa Lamb, and our expert panel as they look back at the biggest pension changes over the past decade and how you can plan for a happy retirement in an everchanging world. Founder and Editor of Money to the Masses, Damien Fahy; Money Advice Editor at The Telegraph, Sam Brodbeck; and PensionBee’s Founder and CEO, Romi Savova.   Episode Breakdown: 01:01 PensionBee’s origin story 03:30 Billions of pounds lost in missing pensions 05:25 Why do people disengage? 08:28 The revolving door of pensions changes 10:04 The big pension changes that have shaped the past decade 12:00 Introduction of Auto-Enrolment 14:41 Pension Freedoms reforms 16:33 Where your money is, exactly 20:20 Understanding market ups and downs 22:52 How do UK pensions compare internationally?   Further reading and listening: To learn more about changes in the pensions industry, check out these articles and podcasts from PensionBee: Episode transcript What does the Autumn Budget 2024 mean for your pension? (Podcast) E26: Are you ready for your 100-year life? (Podcast) E18: How to not run out of money in retirement (Podcast) E12: Financial jargon, what does it all mean? (Podcast) E11: How to prepare for a happy retirement (Podcast) Preparing for retirement checklist Understanding market volatility and how it can impact your pension What does the Autumn Budget 2024 mean for your pension? What is Auto-Enrolment? What is a defined benefit pension? What is a defined contribution pension?   Other useful resources: How do I find lost pensions? (Gretel) Life expectancy calculator (Office for National Statistics) Pension Calculator (PensionBee) Pension Tracing Service (GOV.UK) The Retirement Living Standards (Pensions and Lifetime Savings Association) Trillions: How a Band of Wall Street Renegades Invented the Index Fund and Changed Finance Forever by Robin Wigglesworth (Book)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Money to the Masses (@moneytothemasses) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Times Money Mentor (@timesmoneymentor) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.

    27 min

  2. DEC 4 · BONUS

    BONUS EPISODE: Financial mistakes part one

    Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   In this bonus episode of The Pension Confident Podcast, we bring you part one of our myth-busting series on common financial mistakes and how to avoid them! Tune in to hear the best bits from episodes 19, 23, 27, 29 and 31. Our host, Philippa Lamb, and our expert guests cover everything from why people become reliant on credit cards to how credit scores actually work. We hear from: Founder of All Things Money, Ola Majekodunmi; PensionBee’s Head of Brand and Communications, Brooke Day; Co-Founder of Millennial Money UK, Niaz Azad; Mumsnet CEO, Justine Roberts CBE; Founder and CEO of Boring Money, Holly Mackay; PensionBee’s VP Product, Martin Parzonka; and Consumer Affairs Manager at Experian, John Webb.   Episode Breakdown:  00:35 The pressure of borrowing for education 02:06 Keeping up with the Joneses 03:57 The astronomical cost of childcare 05:25 High charges that come with debt 06:39 What does a ‘credit score’ mean? 09:30 The risk of ‘financial association’   Further reading and listening: To learn more about avoiding financial mistakes with borrowing money and credit scores, check out these articles and podcasts from PensionBee: Episode transcript E19: Can you afford to have kids? (Podcast) E23: Common financial mistakes and how to avoid them (Podcast) E27: What’s the cost of friendship? (Podcast) E29: Pensions vs. cash - which is best? (Podcast) E31: How can I improve my credit score? (Podcast) How can I improve my credit score? How do you pay off a credit card? How important is financial independence? Is it better to pay off your student loan or top up your pension? Should you pay off your child’s student loan? The effects of debt and how we can break the cycle What is the impact of debt on mental health?   Other useful resources: Credit score basics: everything you need to know (Experian) Get free debt advice (StepChange) Help with debt (Citizens Advice) How to check your credit report for free (Money Saving Expert) Student grants, bursaries and scholarships (Save The Student)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on X, YouTube, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Ola (@allthingsmoney_) on X, Instagram, TikTok, Facebook and LinkedIn. Follow Millennial Money UK (@MillMoneyUK) on X, Instagram, Facebook and LinkedIn. Follow @Mumsnet on X, Instagram, Facebook, TikTok and LinkedIn. Follow Boring Money (@boringmoney) on X, Instagram, TikTok, Facebook and LinkedIn. Follow Experian (@Experian_UK) on X, YouTube, Instagram, TikTok, Facebook and LinkedIn.

    12 min

  3. NOV 24

    E33: How to spot the signs of financial abuse with Danny Tatlow and Jaypee Soule

    Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   This month on The Pension Confident Podcast we’re shining a light on an important topic - financial abuse. It’s a part of economic abuse, a legally recognised form of domestic abuse and it can happen to anyone. Join our host, Philippa Lamb, and our expert panel as they discuss what to do if you or someone you know is being financially abused, how to spot the signs and what support is available.   Research and Policy Officer at Hourglass; and PensionBee’s VP of Second Line Compliance, Jaypee Soule.   Episode breakdown: 01:00 What is financial abuse and who does it impact? 06:59 The underreporting of financial abuse 09:22 What are the effects of financial abuse? 11:28 Who is committing financial abuse? 14:06 How do financial services protect against financial abuse? 16:48 How to keep yourself and your funds safe from financial abuse 18:53 What are the signs of financial abuse to look out for? 20:40 How are financial abuse cases recorded? 21:38 What support is available for victims of financial abuse? 24:04 The importance of financial awareness 26:13 Understanding powers of attorney   Further reading: To learn more about some of the themes discussed, check out these articles and podcasts from PensionBee: E33: How to spot the signs of financial abuse (Podcast transcript) E10: What are the effects of debt and what can you do if you find yourself in it? (Podcast) E7: How to stay safe from fraud and financial scams (Podcast) Bonus episode: How to avoid financial scams (Podcast) 8-step guide to help you stay safe online Power of attorney Anti-Scams Legislation   Other useful resources:  Keeping you and your loved ones safe from economic abuse. (Hourglass) How to identify financial abuse in a relationship (Very Well Mind) Financial abuse: spotting the signs and leaving safely (Money Helper) Hourglass. Safer ageing. Stopping abuse. Financial abuse: what is it? (Age UK) Economic abuse (Refuge) Surviving Economic Abuse Women’s Aid One Love Foundation Office of the Public Guardian   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Hourglass on X, Facebook and LinkedIn. Follow Danny Tatlow on LinkedIn.

    29 min

  4. NOV 6 · BONUS

    BONUS EPISODE: What does the Autumn Budget 2024 mean for your pension?

    Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   In this special bonus episode of The Pension Confident Podcast, we cover some of the key announcements in the government’s Autumn Budget and what they could mean for you and your finances. Tune in as our host, Philippa Lamb and PensionBee’s Spokesperson, Annabelle Williams, cover the changes made to: employer National Insurance contributions; Inheritance Tax; capital gains tax; and Stamp Duty. Episode Breakdown: 01:33 Initial thoughts on the Autumn Budget 02:42 Employers National Insurance contributions 04:23 Inheritance Tax and pensions 09:07 Changes to capital gains tax 11:06 Stamp Duty 12:33 Impact on working people 13:15 What are ‘stealth taxes’?     Further reading and listening: To learn more about financial scams and protecting yourself and your money, check out these articles and podcasts from PensionBee: Episode transcript What does the Autumn Budget 2024 mean for your pension? What does the first UK female Chancellor mean for my pension savings? Inheritance Tax guide What’s a workplace pension? Pension death benefits Defined contribution pensions How pensions can cut your tax bill Pension tax relief Should I pay into a pension or an ISA? What is Auto-Enrolment? Why has renting got so expensive? E17: Should you save into a pension or an ISA? (Podcast) E22: Why is renting so expensive? (Podcast) E32: How to understand your pension balance (Podcast)   Other useful resources: Autumn Budget 2024 (HM Treasury) How Inheritance Tax works (GOV.UK) National Insurance rates and categories (GOV.UK) Stealth Taxes: What are they, how they work (Investopedia) National Minimum Wage and National Living Wage rates (GOV.UK) Stamp Duty Land Tax (GOV.UK) Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on X, YouTube, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Annabelle Williams on LinkedIn.

    16 min

  5. OCT 27

    E32: How to understand your pension balance with Tim Hogg, Faith Archer and Alex Langley

    Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   With our busy lives, it’s easy to overlook those annual statements from your pension provider. But knowing how much you have saved is essential for planning a comfortable retirement.   This month on The Pension Confident Podcast we’re talking about how to understand your pension balance. Join our host, Philippa Lamb, and our expert panel as they break down everything from making sense of those annual statements to hunting down lost pension pots. Behavioural Economist and Director at Fairer Finance, Tim Hogg; Financial Journalist and Founder of Much More With Less, Faith Archer; and PensionBee’s Senior Team Leader, Alex Langley.   Episode Breakdown: 01:03 What is a pension balance? 02:50 How to check how much you have in your pension? 04:40 What happens if you’ve lost your pensions? 06:44 Avoiding pension procrastination 10:20 How can you check if you’re on track for retirement? 13:40 The ‘fresh start’ effect 16:40 The Retirement Living Standards 20:31 Overcoming ‘present focus’ 22:12 How can you improve your pension balance? 26:35 Saving for a longer life   Further reading: To learn more about where you could put your savings, check out these articles and podcasts from PensionBee: Episode 32 transcript E29: Pensions vs. cash - which is best? E26: Are you ready for your 100-year life? E18: How to not run out of money in retirement E11: How to prepare for a happy retirement How are pensions invested? How can I find my pensions? How to diversify your pension investments How to look after your financial wellbeing in 2024 How to understand your pension balance Understanding market volatility and how it can impact your pension What is a defined benefit pension? What is a defined contribution pension? What is a pension statement? When will my pension balance recover?   Other useful resources: How do I find lost pensions? (Gretel) Inflation Calculator (PensionBee) Life expectancy calculator (Office for National Statistics) Pension Calculator (PensionBee) Pension Tracing Service (GOV.UK) Temporal focus: Thinking about the past, present, and future (Science Direct) The Retirement Living Standards (Pensions and Lifetime Savings Association) What is the fresh start effect? (The Behavioral Scientist)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Fairer Finance (@fairerfinance) on Instagram, LinkedIn, Facebook and X. Follow Faith Archer (@MuchMoreWith Less) on LinkedIn, Facebook and X.

    30 min

  6. OCT 23 · BONUS

    BONUS EPISODE: How to avoid financial scams

    Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   In this bonus episode of The Pension Confident Podcast, we’re revisiting an important topic - financial scams. According to research by UK Finance, £1.17 billion was stolen through fraud in 2023. So what are the red flags we all need to watch for when it comes to our finances? Tune in to hear the best bits from episode seven, as our host, Philippa Lamb and our expert guests shared their top tips to avoid financial scams and what to do if you think you’ve been a victim. We hear from: Former Chief Executive of The Pensions Advisory Service and Independent Non-Executive Director at PensionBee, Michelle Cracknell CBE; Former Head of Security and Counter Fraud at Open Banking, Lisa Markey; and PensionBee’s CTO, Jonathan Lister Parsons. Episode Breakdown: 01:37 Personal stories from the guests 03:38 The different types of financial scams 05:29 Scams and vulnerable people 06:35 Pension scams 11:15 How to spot the signs of financial fraud 12:44 What to do if you think you might be a victim   Further reading and listening: To learn more about financial scams and protecting yourself and your money, check out these articles and podcasts from PensionBee: Episode transcript  E7: of The Pension Confident Podcast: How to stay safe from fraud and financial scams (Podcast) How to spot a pension scam 4 pension scams to watch out for What is pension liberation? Early pension release rules   Other useful resources: Scams Awareness Campaign (Citizens Advice) Annual Fraud Report 2024 (UK Finance) 'Scam Man and Robbin' game The Money and Pensions Service Financial Conduct Authority (FCA) Types of pension scams (FCA) Protect yourself from scams (FCA) Reporting fraud and cyber crime (Action Fraud)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on X, YouTube, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Michelle and Lisa on LinkedIn.

    15 min

  7. SEP 29

    E31: How can I improve my credit score? With John Webb, Clare Seal and Luis Mejia

    Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   Most people have heard of the term ‘credit score’ but often that’s as far as it goes. What is your credit score, how is it calculated and why does it even matter?    This month on The Pension Confident Podcast we’re talking about the dark-art of how to improve your credit score. Join our host, Philippa Lamb, and our expert panel as they discuss the ins and outs of our financial history and the impact it can have on our financial future.  Consumer Affairs Manager at Experian, John Webb;  Author, Columnist and Content Creator, Clare Seal; and PensionBee’s VP Data, Luis Mejia.   Episode Breakdown: 01:08 What is a credit score and why does it matter? 05:28 Credit score jargon explained 11:13 How is a credit score calculated? 16:28 How do I know if my credit score is good or bad? 19:36 Spotting and correcting errors in your credit report 20:38 Understanding your credit score 22:05 How to improve your credit score 26:37 Busting credit score myths   Further reading: To learn more about some of the themes discussed, check out these articles and podcasts from PensionBee: Episode 31 transcript E10: What are the effects of debt and what can you do if you find yourself in it? (Podcast) E15: How can we achieve financial inclusion? (Podcast) E23: Common financial mistakes and how to avoid them (Podcast) How can I improve my credit score? Retirement planning in your 20s The importance of financial inclusion What to do with inheritance money Can a guarantor be retired? How to talk about money   Other useful resources: What is a credit score? How is it calculated and what affects it? (Loqbox) Why credit scores matter in retirement (Expedia) Getting to grips with your credit report and score (TransUnion) Credit report errors can ruin your credit score - are your records correct? (Which?) Getting your credit score from a bank (Investopedia)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Clare Seal (@clare.seal) on Instagram, LinkedIn and X. Follow Experian (@Experian_UK) on X, YouTube, Instagram, TikTok, Facebook and LinkedIn. Follow John Webb on LinkedIn.

    31 min

  8. SEP 18 · BONUS

    BONUS EPISODE: Personal finance tips for parents part two

    Enjoying the podcast? Tell us what you think below and give us a rating. As always we’d love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   In this bonus episode of The Pension Confident Podcast, we return with part two of our financial crash course for parents. If you haven’t heard part one yet don’t worry, you can go back and find it on our feed. Tune in to hear the best bits from episodes eight and 23, as our host, Philippa Lamb and our expert guests cover everything from pocket money economics to talking to your children about how debt works. We hear from: Certified Money Coach, Mentor, and Founder of The Money Whisperer, Emma Maslin; Personal Finance Journalist, Laura Miller; Co-Founder and CEO of NatWest Rooster Money, Will Carmichael; and Personal Finance Expert and Founder of Mrs MummyPenny, Lynn Beattie.   Episode Breakdown: 01:03 Understanding compound interest 02:22 Pocket money economics 04:05 Teaching kids about debt 05:29 Juggling a family and finances 06:39 Differentiating between rich and wealthy 08:24 How kids can teach us about money   Further reading and listening: To learn more about personal finance tips for new parents, check out these articles and podcasts from PensionBee: Episode transcript 5 steps to plotting your personal finance roadmap E8 of The Pension Confident Podcast: How to teach kids about money (Podcast) E14 of The Pension Confident Podcast: What’s the impact of your relationship status on your finances? (Podcast) E19 of The Pension Confident Podcast: Can you afford to have kids? (Podcast) How to teach kids about money Money saving tips for families Should I teach my children about money? Teaching kids about money: How can we improve financial literacy among children? What is compound interest? What is compound interest? - Pensions 101 (Video)   Other useful resources: Child Benefit (Gov.uk) How do you tell kids you cannot afford something? (StepChange) How much pocket money should I give? (Rooster Money) How to teach kids about money (MoneyHelper) Mumsnet (Mumsnet) New apps are teaching children how to manage their money (The Economist) Tax-Free Childcare (Gov.uk)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on X, YouTube, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Emma Maslin (@MoneyWhisperer_) on X, Threads, Instagram, Facebook and LinkedIn. Follow Laura Miller (@thatlaurawrites) on X and LinkedIn. Follow NatWest Rooster Money (@rooster_money) on X, YouTube, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Lynn Beattie (@MrsMummypennyUK) on YouTube, Instagram, Facebook and LinkedIn.

    11 min
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We get it, pensions can be overwhelming. But PensionBee is on a mission to build pension confidence. Whether you’re just starting your savings journey, nearing retirement, or somewhere in between, the award-winning Pension Confident Podcast is here to help you get the best out of your pension. Subscribe today to hear from some of the best brains in personal finance every month, and get expert insights from the PensionBee team. Remember, anything discussed on this podcast should not be regarded as financial advice and as always with investments, your capital is at risk. https://www.pensionbee.com/podcast

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