Massive shoutout to Ian who asked these brilliant questions.

From transferring defined benefit and defined contribution pensions, to comparing the index providers of FTSE and MSCI, from UK stocks and their fees, to investing into bonds, and a lot more. This episode has a little bit of everything. Timestamps for each question are below.

And if anyone is keen to get involved in a future 4-week investing crash course, give me a shout and I'll add you to the waitlist (IG - makingmoneysimple, email - makingmoneysimple1@gmail.com).

Timestamps:

0:00 - Intro

1:07 - Fees for non-UK stocks? Plus, should we focus on UK-listed stocks?

3:22 - And what about ETFs?

4:22 - Why are UK stocks listed in pennies?

5:53 - Can a company create new/more shares?

7:41 - And what about a company buying back shares?

8:34 - Index funds: FTSE vs MSCI?

11:22 - How to differentiate between indexes?

12:39 - Back to FTSE vs MSCI?

15:01 - Will the Cash ISA allowance be reduced?

16:06 - Are bond investments worthwhile?

17:58 - What is my personal annual rate of return?

19:19 - Has my portfolio recovered after the 2025 market drop?

21:31 - Pensions introduction

22:22 - Can any pension be transferred?

29:03 - Outro

Listen to the episode for the full details.

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💻 My website - https://makingmoneysimple.co.uk

If you would like to get involved in one of my 4-week investing workshops, get in touch and I can let you know when the next one is kicking off (IG - makingmoneysimple, email - makingmoneysimple1@gmail.com).

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What happens if the dip keeps on dipping?

When the market falls, no one knows:1. How big the fall with be. 2. How long the fall will last.3. When the market will bounce back.

This is exactly why I don't personally 'buy the dip'. Long story short, because it's impossible to time the best time to invest. Which is why only investing when the market ‘dips’ is a losing strategy over the long term.

The much better strategy - in my opinion - is the following two steps:

1. Stay invested

At all times. After all, I don’t need this money for the long term. And it’s impossible to time the right moments to buy and sell.

2. Keep investing

‘Cost averaging’ by investing every single month. No matter what.

I do this personally by primarily investing into low cost global index funds and ETFs. No need to overcomplicate your investing strategy.

Then let time and compound interest grow your wealth

Listen to the episode for the full details.

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📕 Get my book Stop Waiting, Start Investing - https://linktr.ee/makingmoneysimple1

💻 My website - https://makingmoneysimple.co.uk

If you would like to get involved in one of my 4-week investing workshops, get in touch and I can let you know when the next one is kicking off.

📰 Sign up to my newsletter -⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://makingmoneysimple.co.uk/Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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The stock market has been rough in 2025. Both the US stock market and global stock market are down heavily since the beginning of 2025.Time to panic? I don't think so.As we go through in this episode, the big mistake that people often make at these uncertain moments is panic selling. We need to avoid that. Not just because it is impossible to 'time' when to get back into the markets, but also because the historical data backs up that these types of falls happen regularly in the stock market. And these falls might even be a good thing if you're a long term investor...What am I doing? Not panic selling, continuing to hold my investments and continuing to invest.What should you do? During this episode I share the 4 things that you should do - right now - in my opinion.

Listen to the episode for the full details.

0:52 - What's the damage so far?

3:12 - Stock market crash stats from history

5:51 - The big mistake people make

7:17 - My losses & why this could be good

10:14 - Why do optimists win?

13:04 - What should you do?

15:05 - Summary

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📕 Get my book Stop Waiting, Start Investing - https://linktr.ee/makingmoneysimple1

💻 My website - https://makingmoneysimple.co.uk

If you would like to get involved in one of my 4-week investing workshops, get in touch and I can let you know when the next one is kicking off.

📰 Sign up to my newsletter -⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://makingmoneysimple.co.uk/Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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