The Martin Lewis Podcast Question Time: Should you invest in gold? Student loan interest? How to get energy credit back?
5 snips
Sep 22, 2025 Explore how to reclaim your energy credit and whether switching suppliers is worth it. Martin dives into the ins and outs of student loans, addressing the 2023 reforms and interest changes. He also shares insights on investing in gold and when it's smart to overpay your mortgage. Plus, enjoy a light-hearted listener question about ducks and tips on locating a Child Trust Fund. If you've got burning financial queries, Martin's here to help!
AI Snips
Chapters
Transcript
Episode notes
Take Employer Pension Match First
- Do prioritise contributing to your company pension to get employer matching and tax relief.
- Avoid being discouraged by employers who suggest gold instead of using auto-enrolment pension benefits.
Gold Can Fit Inside Pensions
- Gold can be a tax-efficient holding because certain UK bullion is exempt from capital gains tax.
- You can also gain gold exposure via ETFs inside a pension so employer contributions can buy it.
Compare Mortgage Rate To Savings Return
- Do overpay your mortgage if its interest rate is higher than your after-tax savings return.
- Keep a 3–6 month emergency fund and check lender overpayment penalties first.