Explore the significance of bonds in long-term financial planning, including their role in workplace pensions. Learn about bond issuance, interest rates, credit ratings, and strategies for including bonds in an investment portfolio. Understand the uncertainties and risks of bond funds compared to individual bonds, focusing on interest rate sensitivity and income variability. Delve into the economic repercussions of government debt policies and the impact on pension funds, mortgages, and the national economy. Discover unique central bank policies and demographic challenges in Japan, alongside the role of municipal bonds in funding local services and infrastructure projects.

Everyone talks about diversification, but how diverse do you really need to be? Can you just invest in one fund? Ramin Nakisa is personal finance YouTube royalty in the UK. He walks us through some of the major assets classes and their pros and cons - but also why one investment might just be enough for you to beat most professional investors, forever.This episode was recorded in July 2023 so some information may have changed since then. 🤝 Want help from a financial advisor?We’ve teamed up with advisors we rate so you can get professional support. Learn more: https://makingmoney.email/financial-advisors-audio⛑️ Check your financial healthhttps://makingmoney.email/health-check-audio📧 Free guides on personal financeLearn how to build wealth in the UK: https://linktr.ee/makingmoneypod📈 Investment platforms we use:Trading 212Get a free share worth up to £100 when you sign up for a new Invest or ISA account and deposit at least £1.Use the code ‘MM’ or this link: https://www.trading212.com/promocodes/MMInvestEngine Get up to a £50 bonus when you invest at least £100.https://investengine.pxf.io/daOD2QVanguardhttps://www.vanguardinvestor.co.uk/🎉SponsorsVanta - Get your company secure and compliant, with $1k off: https://vanta.com/makingmoneyTide - Get 4.07% AER Variable for your business account: https://makingmoney.email/tideMoneyWeek - Get 6 editions of quality financial journalism for free: moneyweek.com/makingmoneyIf you purchase a product or service using one of the links above, we may receive a commission. There will be no additional charge for you. Remember investments can fall and rise - and past performance is no guarantee of future results. Other fees may apply. Your money is at risk.Disclaimer: This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.

Ramin Nakisa, a personal finance YouTuber and former investment bank strategist, shares his insights on investing. He challenges the notion of diversification, suggesting that a single well-chosen fund can outperform 95% of professionals. The discussion spans the importance of bonds, the advantages of simplicity in investment strategies, and the lessons learned from the crypto market. Ramin emphasizes understanding personal goals and adapting to changing markets while navigating financial complexities.