About this episode

The episode discusses the misconceptions surrounding pensions and emphasizes the importance of treating them as investments rather than savings accounts.

Coinbase AD | Visit Coinbase to learn more: https://coinbase-consumer.sjv.io/c/6585058/1342972/9251 This episode is sponsored by Coinbase, Visit www.coinbase.com to learn more. Crypto comes with unique risks, take 2 minutes to learn more. Most people treat their pension as a passive "set and forget" savings account. They are wrong. In this episode, Edmund Greaves and Chris Tuite are joined by Clare Moffat, pension and tax expert at Royal London, to dismantle the myths that keep the UK "under-saved." We tackle why a staggering 25% of young workers misunderstand their own money and why the "default fund" might be the biggest hurdle to your future wealth. The Default Fund Trap: Why "safe" is actually risky for anyone under 50. The 2026 Mortgage Reality: Balancing high interest rates against long-term pension growth. The ISA Bridge: How to use a Stocks & Shares ISA to retire before the age of 57. The 100k Tax Trap: How to use pension contributions to reclaim your personal allowance. The Pay Rise Hack: A blunt, painless strategy to increase your pot without "feeling" the cost. "Pensions are not bank accounts. If you don't…

People in this episode

Hosts: Edmund Greaves, Chris Tuite

Guest: Clare Moffat

Topics covered

• pension investment
• financial literacy
• long-term wealth building
• tax strategies
• investment risks
• young workers finance

Keywords

• pension
• investment
• savings
• financial education
• tax
• wealth
• young workers
• ISA
• retirement

Sponsors

Coinbase

Mentioned in this episode

Organizations: Royal London, Oxford Economics

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