TRAP: The Real Adviser Podcast 86 - The Big Lessons of 2025 (with special guest Pete Matthew)
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Dec 18, 2025 In this engaging discussion, financial educator Pete Matthew shares insights on investing and pensions. He emphasizes the importance of continuous growth and challenges the notion of complacency in personal finance. The panel also dives into the FIRE movement and the risks of low-return portfolios for retirees. Other lively topics include the shift of UK pension funds into private markets and the need for clarity through coaching. Overall, a rich exchange of ideas on navigating today’s financial landscape.
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Weigh Tax-Free Cash Against Estate Risk
- If clients face policy or allowance limits, take control rather than wait for rule changes.
- Balance tax decisions with estate and long-term implications before moving funds into ISAs.
Institutions Are Timing Markets, Not Just Allocating
- Large UK pension funds are shifting away from US equities and claiming to 'know better' than the market.
- This highlights a tension between long-term mandates and short-term market timing by institutions.
Cautious Fund Left Prospect Losing Purchasing Power
- A prospect was placed in an AJ Bell Cautious Fund returning 2.75% pa while UK inflation averaged 4.9% pa.
- That client faces a multi-year permanent loss of purchasing power from being inappropriately conservative.