Question Time: Beginner investor: explain the risk? Faulty kitchen: getting money back? Self-employed: how to start a pension?

Question Time: Beginner investor: explain the risk? Faulty kitchen: getting money back? Self-employed: how to start a pension?

May 18, 2026 · 38 min

About this episode

Martin Lewis addresses various financial dilemmas including investing risks, pension options for the self-employed, and consumer rights regarding faulty goods.

In this episode of The Martin Lewis Question Time Podcast, Martin tackles a packed agenda of your real-life money dilemmas, bringing practical advice to your most pressing financial questions. For those new to investing, there’s a question from a beginner worried about risk. Martin unpacks what “risk” really means, how to assess your tolerance, and why understanding volatility is key before putting your money into the markets. Martin explains pension options for the self-employed - a crucial topic for anyone without automatic workplace contributions. Martin breaks down the key choices, from personal pensions to SIPPs, explains how to get started and how to make your money work harder for your future. A listener asks what rights they have when a kitchen starts to fail five years after installation. Martin explains consumer protection laws, including how long goods should reasonably last and how to challenge retailers or manufacturers when things go wrong well beyond the guarantee period, going through his SAD FART acronym so you can easily remember your statutory rights under the UK Consumer Rights Act. There’s also a feel‑good moment, with a success story from a listener who…

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