Switch Your Money On

Join Susannah and Sarah as they dive into the markets. Plus, Helen Morrissey, head of retirement analysis and Bradley Clark, HL financial adviser, join us to unpack the basics of inheritance tax – how it works, recent changes, how it could affect you and how to plan for it.This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Tax rules can change and any benefits will depend on your circumstances. Hosted on Acast. See acast.com/privacy for more information.

Join Susannah and Sarah as they break down the market fallout following Trump's tariffs and explore how to invest at times like this. Learn how to build a balanced portfolio, why diversification matters, and how to choose funds that suit your investment goals.Helen Morrissey, Head of Retirement Analysis, tells us how your pension can be your first step into investing.And Emma Wall, Head of Platform Investments, joins us to share three funds that the HL research team have selected as a way to start building a portfolio.This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Hosted on Acast. See acast.com/privacy for more information.

Join Susannah and Sarah as they explore what's happening with global trade and how it could affect the UK economy – touching on Trump tariffs, the UK growth forecast and interest rate cuts.Helen Morrissey, Head of Retirement Analysis, talks about how people can prepare for retirement and reflects on changes in the retirement space since the major pension reforms (Freedom and Choice) made 10 years ago.Special guest, Danny Cox, Head of Communications here at HL, tells us about how he was able to plan his finances for an early retirement.This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Tax rules can change and any benefits depend on your personal circumstances. Hosted on Acast. See acast.com/privacy for more information.

In this week's episode, Susannah and Sarah discuss the potential impact of US tariffs on the global economy and the clash between Trump, Vance and Zelensky. We also delve into speculation around possible announcements in the upcoming Spring Statement and the tax efficient opportunities available at the moment.Helen Morrissey, head of pension analysis, shares some of the key things to think about as we approach the end of the tax year.Matt Britzman, senior equity analyst at HL, will take us through some of the shares which we think are worth considering for a Stocks & Share ISA.And we'll hear from Emma Wall, our head of platform investments, on the latest fund ideas for an ISA as chosen by our research experts.This podcast isn't personal advice or a recommendation to trade any investment. Investors are responsible for their own investment decisions. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Tax rules can change and any benefits depend on your personal circumstances. Hosted on Acast. See acast.com/privacy for more information.

Join Susannah and Sarah as they explore how Trump's proposed tariffs are impacting global markets and tech stocks. They also dive into the latest findings from the HL Savings and Resilience Barometer, revealing why it's harder to make ends meet when you're single.Helen Morrissey, Head of Pension Analysis, shares key questions to consider when planning a solo retirement. Plus, Dr Ylva Baeckström, Senior Lecturer at King's College Business School, uncovers the behavioral science behind it all.This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Tax rules can change and any benefits depend on your personal circumstances. Hosted on Acast. See acast.com/privacy for more information.

Susannah and Sarah examine what Trump's presidency means for global markets, saving and investing for children and grandchildren during volatile times and the sensible planning steps we can take.Helen Morrissey, head of pension analysis, tells us how supporting grandchildren can put you in a better position yourself, and the role that pensions play in family financial planning. Plus, Bradley Clark, Financial Adviser at HL, brings insights from his experience advising families – what their concerns and priorities are, and some of the best tips he gives to them.This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Tax rules can change and any benefits depend on your personal circumstances. Hosted on Acast. See acast.com/privacy for more information.

Susannah and Sarah explore the investment landscape right now and then dive into our latest research uncovering the nation's financial resilience. Helen Morrissey, head of pension analysis, sheds light on the pensions gap affecting millions across the nation.Plus, Nathan Long, senior analyst at HL, talks us through some of the most interesting findings from the Barometer, and some of the most striking regional differences.This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Tax rules can change and any benefits depend on your personal circumstances. Hosted on Acast. See acast.com/privacy for more information.

Susannah and Sarah take a look at the steps we can take with our investments and personal finances as we head into 2025.Helen Morrissey, head of pension analysis, outlines the key New Year jobs to do when it comes to your pension.Emmanuel Asuquo, personal finance expert and founder of the Eman Effect, talks us through exploring your money mindset and building good habits – both of which are key to starting the year right. This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Tax rules can change and any benefits depend on your personal circumstances. Hosted on Acast. See acast.com/privacy for more information.

Join Susannah and Sarah as they delve into the potential economic landscape of 2025. We'll explore:Market volatility: examining the potential for fluctuations in stocks and bonds.Mortgage rates & tax rises: understanding the impact of rising costs on your finances.Pension planning: gaining insights from Helen Morrissey, head of retirement analysis.Investment opportunities: Matt Britzman looks at companies which could be worth watching in 2025 and Emma Wall takes us through some funds to keep an eye on. This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Tax rules can change and any benefits depend on your personal circumstances. Hosted on Acast. See acast.com/privacy for more information.

Susannah and Sarah take a look back at a huge year for the markets, with global elections, geopolitical unrest, AI enthusiasm, gold prices and a Budget to remember. Helen Morrissey, head of pension analysis, joins us to discuss what the year held in store for pensions.Matt Britzman, senior equity analyst at HL, looks at the companies he said were worth keeping an eye on at the start of the year. And Emma Wall, our head of platform investments, will take us through the performance of the funds she spotlighted for this year. This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Tax rules can change and any benefits depend on your personal circumstances. Hosted on Acast. See acast.com/privacy for more information.

Susannah and Sarah delve into how things are looking for the hotels and hospitality sector as we head towards Christmas. We'll touch on challenges faced across the jobs market, rising salary expectations and the impact of increased National Insurance Contributions to businesses.Special guest, Jane Pendlebury, CEO of HOSPA, gives us insight into how Christmas is shaping up for the industry this year.Matt Britzman, senior equity analyst at HL, looks at what the season holds in store for the listed companies in this space.And Emma Wall, our head of platform investments, will take us through a fund manager's view.This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Tax rules can change and any benefits depend on your personal circumstances. Hosted on Acast. See acast.com/privacy for more information.

Susannah and Sarah look ahead to Black Friday and Christmas spending. They also discuss how Trump's win and the hike to employer National Insurance contributions could impact retailers and rising prices.We'll hear from Helen Morrissey, head of retirement analysis, who has a different view of what we could be spending our money on this Christmas.Special guest, Paul Reader, Commercial Director of Toymaster, lifts the lid on the golden quarter.Matt Britzman, senior equity analyst at HL, looks at what the season holds in store for retailers.And Emma Wall, our head of platform investments, will take us through a fund manager's view. This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Tax rules can change and any benefits depend on your personal circumstances. Hosted on Acast. See acast.com/privacy for more information.

Susannah and Sarah break down last week's Autumn Budget, diving into its potential impact on savers, investors, and pensions. They cover key topics like inheritance tax changes and their effect on pensions and AIM investments, capital gains tax hikes, employer national insurance adjustments, and the freezing of income tax thresholds. They'll also look at how the speech influenced markets and the confusion around possible changes to pension tax-free cash, which has left many facing a financial headache. Emma Wall, our head of investment analysis and research, speaks with Henry Lowson from Royal London Asset Management. And Matt Britzman, senior equity analyst at HL, tells us which stocks to keep an eye on following the Chancellor's budget. This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Tax rules can change and any benefits depend on your personal circumstances. Hosted on Acast. See acast.com/privacy for more information.

Susannah and Sarah discuss politics both sides of the pond: UK Budget speculation and what rumoured changes mean for investors, plus what impact the US election is having on companies and markets.They are joined by Ben Page, chief executive of IPSOS, who explores opinions and behaviours around elections. Emma Wall, our head of investment analysis and research, speaks to Ziad Gergi, head of multi-manager funds at Hargreaves Lansdown. And Matt Britzman, senior equity analyst at HL, will assess how some shares will be affected by the US election result – Microsoft, Ashtead and D. R. Horton. This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Hosted on Acast. See acast.com/privacy for more information.

Susannah and Sarah discuss the future of the EV industry in the wake of the China vs US trade war.Top Gear's Quentin Willson talks about the trends in EV ownership and how the manufacturers are faring. Emma Wall, our head of investment analysis and research, has a deeper look at China's prospects. As usual, Matt Britzman, senior equity analyst at HL, also spotlights some shares to watch in this sector – TSMC, BMW and Tesla. This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Hosted on Acast. See acast.com/privacy for more information.

Susannah and Sarah discuss the pressures on buy-to-let mortgages, from legislation to mortgage rates, house prices and the impact of changes to capital gains tax - with property veteran, Jeremy Leaf. Helen Morrissey, head of retirement research, explores buy-to-let for retirement and the expected upcoming boost to the state pension. Matt Britzman, senior equity analyst at HL, also spotlights some companies to watch in the sector, including Taylor Wimpey and Ibstock. This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Hosted on Acast. See acast.com/privacy for more information.

Navigating the new media landscape: Susannah and Sarah take a look at the challenges facing the media industry, covering the drop in popularity of traditional television, the rise of streaming services and online competitors and the impact on advertising revenue.Plus, Matt Britzman, senior equity analyst at HL, gives his thoughts on some listed companies affected by changes in the industry.This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Hosted on Acast. See acast.com/privacy for more information.

In this week's episode, Susannah and Sarah delve into the world of the UK's supermarkets in the midst of multiple lock-downs, Brexit and a cost-of-living crisis. We also take a look at the wider impact on retail behaviour and the supply chain as a whole. Matt Britzman, equity analyst at HL, unpacks what's happened with some of the biggest household names, touching on Sainsbury's, Ocado and Tesco.This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Hosted on Acast. See acast.com/privacy for more information.

In this week's episode, Sarah and Helen delve into the world of pensions, unpacking burning issues including the state pension, lost pension pots, investing in the UK and potential tax relief changes. Didi Ager, HL financial planner, joins us to consider key pension questions people are asking right now.We'll also look at companies that have been reporting – Microsoft, Paypal and NatWest. This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Hosted on Acast. See acast.com/privacy for more information.

In this week's episode, Susannah and Sarah talk to Senior Analyst, Nathan Long, to explore the financial resilience of the nation by unwrapping the findings from the latest Savings and Resilience Barometer. We touch on the true cost of being single, runaway rental costs and the expense of remortgaging. Helen Morrissey joins us to give the inside scoop on measuring financial resilience in retirement and find out how much you really need to save for a comfortable retirement. We'll also look at what stocks might be ones to watch for people investing for retirement. This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Hosted on Acast. See acast.com/privacy for more information.

In this week's episode, Susannah and Sarah look at what the outcome of the general election may mean for our money, investments and pensions. We also turn our attention to the travel sector and what the upcoming holiday season could look like.As usual, we look at the potential impact to stocks and funds in the sector. This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Hosted on Acast. See acast.com/privacy for more information.

In this week's episode, Susannah and Sarah speak with Anne Fairweather, HL's head of government relations and public policy, to break down the manifestos and see where the parties differ, especially when it comes to issues affecting savers and investors.We also take a look at how higher interest rates could affect Natwest, Berkshire Hathaway and Apple, explore funds to watch while rates are higher, and examine the impact on pension planning and annuity rates.This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Hosted on Acast. See acast.com/privacy for more information.

In this week's episode, Susannah and Sarah take a look at the energy sector, touching on oil, gas and electricity. We look at how big energy giants, like Exxon Mobil and Shell, are faring and delve into political moves on the General Election campaign trail. Talking ESG considerations and the energy transition, find out how all of this could impact your investments and personal finances.This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Past performance is not a guide to the future. Hosted on Acast. See acast.com/privacy for more information.

In this week's episode, Susannah and Sarah look at the recent record highs of the UK markets, UK shares and funds to watch and how pension funds are investing right now. They also explore how the answer to your saving and investing gaps may already be sitting in your accounts.This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments rise and fall in value, so investors could make a loss. Past performance is not a guide to the future. Hosted on Acast. See acast.com/privacy for more information.

In this week's episode, Susannah and Sarah look at the biggest names in tech, the Magnificent Seven: Microsoft, Amazon, Google (Alphabet), Tesla, Facebook (Meta), Nvidia and Apple.We also delve into the latest edition of the HL Savings and Resilience Barometer for an inside look into the nation's savings and investments. This podcast isn't personal advice. If you're not sure what's right for you seek advice. Investments rise and fall in value, so investors could make a loss. Hosted on Acast. See acast.com/privacy for more information.

In this week's episode, Susannah and Sarah look into what's driving metals prices up – looking at using gold and silver to hedge against inflation, lithium use in EVs, the metal recycling industry and copper's part to play in the energy transition. We also look at how some of the biggest names in mining are faring, and the ESG (environmental, social and governance) implications. Find out how all of this could affect your savings and investments. This podcast isn't personal advice. If you're not sure what's right for you seek advice. Investments rise and fall in value, so investors could make a loss. Hosted on Acast. See acast.com/privacy for more information.

In this week's episode, Susannah and Sarah look at how the pharmaceutical sector is faring after a whirlwind few years. Exploring weight loss treatments, AstraZeneca, Novo Nordisk, GSK, and falling healthy life expectancy, find out how all of this could affect your savings and investments.This podcast isn't personal advice. If you're not sure what's right for you seek advice. Investments rise and fall in value, so investors could make a loss. Hosted on Acast. See acast.com/privacy for more information.

In this episode, Susannah and Sarah dive deep into the NatWest share sale and Sophie Lund-Yates explores how past government privatisations stand now, touching on BT, British Gas and Royal Mail. Emma Wall also looks at why the UK market is an interesting region at the moment and what that might mean for your investments. This podcast isn't personal advice. If you're not sure what's right for you seek advice. Investments rise and fall in value, so investors could make a loss. Hosted on Acast. See acast.com/privacy for more information.

In this episode, Sarah and Susannah talk all things tax year end and look at the reasons why many leave it to the last minute to make use of pension and ISA allowances. They also look at how this year's Spring Budget could impact your savings and investments - touching on British ISA, cuts to National Insurance and more.This podcast isn't personal advice. If you're not sure what's right for you seek advice. Investments rise and fall in value, so investors could make a loss. Tax rules can change and benefits depend on personal circumstances Hosted on Acast. See acast.com/privacy for more information.

In this episode, Sarah and Susannah explore the financial sector and talk about the UK's biggest banks and building societies. Touching on interest rate cuts, the NatWest share sale and the impact of upcoming elections – find out how all of this could impact your savings and investments. Hosted on Acast. See acast.com/privacy for more information.

In this episode, Sarah and Susannah delve into the world of sin stocks, looking at oil companies, weapons manufacturers, Environmental Social and Governance and sustainable investing, as well as the pursuit of net zero.This podcast isn't personal advice. If you're not sure what's right for you seek advice. Investments rise and fall in value, so investors could make a loss. Hosted on Acast. See acast.com/privacy for more information.

In this week's episode, Sarah and Susannah look at the weakening luxury market, a drop in retail sales growth and the impact of brand power. This podcast isn't personal advice. If you're not sure what's right for you seek advice. Investments rise and fall in value, so investors could make a loss. Hosted on Acast. See acast.com/privacy for more information.

In this episode, Sarah and Susannah discuss the latest HL Savings & Resilience Barometer. We explore where life is getting tougher, how retirement resilience is falling, and reveal the golden rules of investing for those getting started.This podcast isn't personal advice. If you're not sure what's right for you seek advice. Investments rise and fall in value, so investors could make a loss. Hosted on Acast. See acast.com/privacy for more information.

In this episode, Sarah and Susannah talk about how you can protect yourself and family from investment and pension scams, and why cybersecurity is an ESG issue. We also look at what market opportunities scams can bring and which companies could be most at risk. This podcast isn't personal advice. If you're not sure what's right for you, seek advice. All investments can fall as well as rise in value, so you could get back less than you invest. Hosted on Acast. See acast.com/privacy for more information.

In this episode, we examine what 2024 might bring for investments, pensions, savings, house prices and interest rates, and explore funds and shares to watch. All investments fall as well as rise in value, so you could get back less than you invest. This is not personal advice. If you are unsure of a course of action for your circumstances, you should ask for advice. Hosted on Acast. See acast.com/privacy for more information.

We explore the challenges for buy-to-let investors and tenants, whether it's a sensible option for your pension, and an alternative way to invest for income. Hosted on Acast. See acast.com/privacy for more information.

We examine the Autumn Statement changes, looking at ISAs, tax cuts, economic forecasts, pension changes, and the politics. We also revisit shares and funds we suggested as ones to watch, to see how they're faring. Hosted on Acast. See acast.com/privacy for more information.

In this episode, Sarah and Susannah discuss investment into infrastructure. Talking HS2, housebuilding and the environmental, social and governance (ESG) implications, find out how all of this could impact your savings and investments. Hosted on Acast. See acast.com/privacy for more information.

Our Investment and Personal Finance experts answer some of your most common retirement questions, covering annuities, the triple lock, ideas for your portfolio in retirement and how much you actually need to save up to retire comfortably. Hosted on Acast. See acast.com/privacy for more information.

Sarah and Susannah put commodities under the microscope and discuss how the Israel-Hamas conflict has impacted oil prices, as well as the evolution of green energy.This podcast isn't personal advice. If you're not sure what's right for you, seek advice. All investments can fall as well as rise in value, so you could get back less than you invest. Hosted on Acast. See acast.com/privacy for more information.

Our Investment and Personal Finance experts discuss the squeeze on budgets and the rise of the night in. We look at companies taking advantage of the shift as well as the struggles of the hospitality industry. This podcast isn't personal advice. If you're not sure what's right for you, seek advice. All investments can fall as well as rise in value, so you could get back less than you invest. Hosted on Acast. See acast.com/privacy for more information.

Our investment and savings experts look at the highs and lows of working for yourself and the ways self-employed people can plan and prepare for a more comfortable financial future. Do you have any questions about this episode or topics you'd like us to cover? We'd love to hear from you. You can reach us on podcast@hl.co.uk.This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Hosted on Acast. See acast.com/privacy for more information.

Investment and personal finance experts assess the ESG and commodities challenges, charging questions and how Tesla, BP and Aston Martin are navigating the EV revolution.If you have any questions about this episode or anything else to share, you can reach us on podcast@hl.co.uk.This podcast isn't personal advice. If you're not sure what's right for you, seek advice. All investments can fall as well as rise in value, so you could get back less than you invest. Hosted on Acast. See acast.com/privacy for more information.

Our investment and savings experts look at the ways we can help to lend a helping hand to our loved ones. Looking at investing for children, passing on your pension and inheritance tax – there are many ways to pass it on. Do you have any questions about this episode or topics you'd like us to cover? We'd love to hear from you. You can reach us on podcast@hl.co.uk.This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Tax rules can change and benefits depend on personal circumstances. All investments can fall as well as rise in value, so you could get back less than you invest. Hosted on Acast. See acast.com/privacy for more information.

Our investment and savings experts look at the wellness industry, with a focus on how tech giants are using AI to change the way we monitor our health, fitness and nutrition. Do you have any questions about this episode or topics you'd like us to cover? We'd love to hear from you. You can reach us on podcast@hl.co.uk. This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments can go up and down in value so investors can get back less than put in. Hosted on Acast. See acast.com/privacy for more information.

Our investment and savings experts look at how the hospitality industry is faring this summer – exploring the outlook for events companies, brewers and a drinks giant. Find out what it could all mean for your finances. Hosted on Acast. See acast.com/privacy for more information.

In this podcast, Susannah and Sarah explore the financial resilience of the nation, touching on debt, saving for retirement and mortgage rates. Hosted on Acast. See acast.com/privacy for more information.

In this podcast, Susannah and Sarah explore how the rise in interest rates impacts the housing market, mortgage rates and our investments. Hosted on Acast. See acast.com/privacy for more information.

In this podcast, Susannah & Sarah explore the current state of the US economy and how the UK will be impacted if the States go into recession. Hosted on Acast. See acast.com/privacy for more information.

In this podcast, Susannah and Sarah explore the investment implications of living longer and the impact a longer retirement could have on our pensions.This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Investments can go up and down in value so investors can get back less than put in. Hosted on Acast. See acast.com/privacy for more information.

In this podcast, Susannah & Sarah explore the current state of the UK and US banking sector and explain what to expect following turbulent times. This podcast isn't personal advice. If you're not sure what's right for you, seek advice. Tax rules can change and benefits depend on personal circumstances. Hosted on Acast. See acast.com/privacy for more information.