Will from @nextgenngpf joins me on this podcast episode to explain exactly how he has built his own investment portfolio from £0 to £15,000 by age 23.

This includes what specific platforms to look into and what specific ETFs to consider investing into.

Investing seems very complicated, which is why reason why many people never start. But it can be made very simple and very passive.

Will runs us through his exact approach on how he's done that, his mistakes along the way, as well as how to plans to keep building his portfolio moving forward.

If you're looking to start investing, this podcast episode will be a massive help.

Timestamps:

0:00 - Will’s top 3 tips for beginner investors

4:51 - Investing mistakes to avoid

8:28 - How can a beginner investor actually start investing?

13:14 - What Will invests into in his investment portfolio

20:26 - Does investing need to complicated?

22:20 - Money psychology investing lessons

25:25 - Investing book recommendations

28:24 - Will’s future investing plans

30:42 - Outro

Listen to this podcast episode for the full details.

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📕 Get my book Stop Waiting, Start Investing - https://makingmoneysimple.co.uk/swsi-book

💻 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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Tom from @tom.tpf joins me on this podcast episode to go through exactly what to look for when selecting an index fund or ETF to invest in.

Investing really can be made simple - invest into a global fund and do this consistently for decades.

However, how can you pick a fund? What should you look for?

It can get a bit technical. And in this episode we run through the nitty gritty of exactly what criteria to look for when selecting a fund.

This includes the underlying holdings, tracking errors, fees, fund size (or AUM 'Assets under management), and more.

On top of this, when it actually comes to then picking a fund on an investment platform and actually investing your money, there are a few more important differences.

What are they? They are differences in the fund provider, how dividends are treated and currency.

This episode will be a very valuable listen if you are planning to invest into funds for the long term.

Timestamps:

0:00 - Intro

1:34 - What is an ETF?

2:25 - Why is this a good way to invest?

3:54 - UCITS

5:11 - Underlying holdings

9:38 - Fees

11:39 - Domicile

13:50 - Tracking Error

17:09 - Fund size, bid ask spreads, liquidity

20:14 - Method of replication

24:13 - Fund provider

26:04 - Income vs Accumulation

28:45 - Currency

33:16 - Summary

Listen to this podcast episode for the full details.

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📕 Get my book Stop Waiting, Start Investing - https://makingmoneysimple.co.uk/swsi-book

💻 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).

📰 Sign up to my newsletter for free weekly investing chat - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://makingmoneysimple.co.uk/Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Neil from @NeilInvests joins me on this podcast episode for a fascinating and insightful chat where we discussed his entire investing journey to date and his future investing plans.

For context, Neil is currently in his 40's and is planning to build his Stocks & Shares ISA portfolio to £500k+ to enable an earlier retirement.

Neil runs us through the specific investment platform he uses, why he uses a Stocks & Shares ISA, and why he specifically invests into the S&P 500 and FTSE All World.

But that's not all. We cover his biggest investing mistakes, favourite investing books, why he doesn't plan to invest into bonds, how he plans to live off of his investment portfolio, and a lot more.

Listen to this podcast episode for the full details.

Timestamps:

0:00 - Intro

1:15 - Neil’s overall approach

4:45 - Neil’s investing journey and mistakes

10:10 - The difficulty of stock picking

12:20 - Do you need a financial advisor?

14:36 - Why did you choose Trading212?

18:58 - Why a Stocks & Shares ISA?

24:05 - Why the Vanguard S&P 500 Income ETF and Invesco FTSE All World Income ETF?

27:10 - US or Global ETF?

28:50 - Crypto investing

31:36 - Why use Income/Distributing ETFs?

34:40 - Neil’s exit plan to live off of his investments

38:34 - What about bonds?

41:09 - Will you take the pension tax-free lump sum?

43:25 - Book recommendations to get started investing

46:01 - Outro

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📕 Get my book Stop Waiting, Start Investing - https://makingmoneysimple.co.uk/swsi-book

💻 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).

📰 Sign up to my newsletter for free weekly investing chat - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://makingmoneysimple.co.uk/Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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With Bitcoin back at all time highs I've received a few questions on cryptocurrency recently, so I thought I would collate them all into one podcast episode where I run through my exact crypto approach and strategy.

From the platforms I use, to cryptos I invest in, to how I store my crypto.

We discuss all of this and more in this episode.

Timestamps:

0:00 - Intro

1:19 - Crypto market cap

2:14 - How many are there?

2:47 - The biggest cryptos

3:57 - Recent updates

4:27 - My overall strategy

6:50 - Platform to use

9:06 - Cryptos I invest into

12:24 - How to store crypto

14:18 - My approach recap

15:01 - Crypto taxes

16:30 - Indirectly invest into crypto in your ISA and Pension

17:42 - Crypto ETFs

18:15 - How to stay safe

18:42 - Books to read

19:45 - Outro

Listen to the episode for the full details.

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📕 Get my book Stop Waiting, Start Investing - https://makingmoneysimple.co.uk/swsi-book

💻 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).

📰 Sign up to my newsletter for free weekly investing chat - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://makingmoneysimple.co.uk/Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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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.

-----------------------------------------------

📕 Get my book Stop Waiting, Start Investing - https://makingmoneysimple.co.uk/swsi-book

💻 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).

📰 Sign up to my newsletter for free weekly investing chat - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://makingmoneysimple.co.uk/Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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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.

-----------------------------------------------

📕 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.

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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.

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Alex from @wealthbyAlex joins me on this episode of the podcast to discuss all things pension. This episode really is a 'crash course' in absolutely everything that you need to know about pensions.

Alex is extremely knowledgeable on pensions and if you have any type of pension then this episode will be extremely helpful to allow you to cut through the noise and jargon surrounding pensions.

Pensions are often misunderstood, but they are one of the best (if not the best) ways to grow our wealth and then retire one day.

In this episode we discuss the state pension, defined benefit pensions (DB) and defined contribution pensions (DC). On this last one, these DC pensions include both workplace pensions and SIPPs (self invested personal pensions).

We ran through common misconceptions, how to make the most of your pensions, when to consider switching platforms, fees, funds, and a lot, lot more (timestamps below).

Listen to the episode for the full details.

0:00 - What is a pension

3:02 - The 3 types of pension

7:27 - Defined benefit (DB) pensions

13:32 - How does a workplace pension work

23:00 - Common pension misconceptions

25:30 - Making the most of your workplace pension

32:30 - SIPPs (private/personal pension)

37:26 - Moving workplace pension to a SIPP

45:32 - Limited companies and pensions

46:51 - Stocks & Shares ISAs vs Pensions

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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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