In this insightful discussion, Adam Walkom, co-founder of Permanent Wealth Partners, joins financial journalist Claer Barrett to tackle retirement investment strategies. They delve into the challenges faced by retirees like Paul, who are concerned about volatile US tech stocks. Key topics include the benefits of diversifying portfolios with bonds and annuities, the importance of personalized financial strategies, and navigating the complexities of transitioning from asset accumulation to income generation. Tune in for valuable insights into managing retirement funds!

Software engineer Stephan has a problem. As an early backer of bitcoin, he has made a lot of paper profit from cryptocurrencies, which now make up about a fifth of his portfolio. But Stephan’s also a big believer in ethical investing, including green investments. Given the energy-intensive nature of bitcoin mining, how could he approach resolving this conflict? Podcast host Claer Barrett, the FT’s consumer editor, is joined by FT columnist and personal finance expert Moira O’Neill, and David Baxter, funds editor at the Investors’ Chronicle. Together, they discuss the true meaning of green investing, and how Stephan might simplify his investments (and save himself some admin…)Disclaimer: the Money Clinic podcast is intended as a general discussion about investing, and is not intended as financial advice or any kind of investment recommendation. Everybody's financial situation is different. You should always do your own research before you make any investment decisions. If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok.Want more? Free links:For a great read on the future of ESG in the Trump era, read this FT article: https://on.ft.com/41qB7lWFor more information about investing using Investment Trusts, read this FT piece by columnist Jonathan Guthrie: https://on.ft.com/3QMrGYQPresented by Claer Barrett, produced by Mischa Frankl-Duval, with mix and sound design from Breen Turner and Joe Salcedo. The executive producer is Manuela Saragosa. Cheryl Brumley is the FT’s head of audio.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

In this engaging discussion, financial experts Adam Walkom, co-founder of Permanent Wealth Partners, and Nimesh Shah, CEO of Blick Rothenberg, share their insights with high-earning Faye. They delve into tax-efficient investment options like venture capital trusts and highlight the common pitfalls of hitting the six-figure salary tax trap. The conversation also touches on balancing serious investment strategies with fun, such as unique ventures like personalized number plates, all while emphasizing the importance of structured portfolio management.

Stuart Kirk, a seasoned investment columnist at the Financial Times, sets an ambitious goal to grow his £500,000 portfolio to £1 million by 2032. He grapples with investment risks, debating whether to dive into US tech stocks, private equity, gold, or even cryptocurrency. The discussion challenges traditional portfolio strategies, advocating for a higher equity allocation for those in their 50s. They also explore the volatile potential of Chinese stocks, alternative investments, and the distinct investment climates of Europe and the US.

Morgan Housel, an acclaimed author known for his insights on the psychology of money, dives into the intricate relationship between our emotions and financial decisions. He shares compelling stories that underscore how early experiences shape our attitudes towards wealth. The conversation highlights the significance of time in investment strategies, advocating for patience and consistency over reckless speculation. Housel also discusses the unpredictable nature of AI's societal impact, emphasizing the need for shared financial beliefs in relationships and flexibility in financial planning.

Dan Neidle, founder of Tax Policy Associates and former head of tax at a leading law firm, dives into the looming challenges of the UK budget. He discusses how the £22bn financial gap could lead to taxing changes and the potential impact on ordinary investors. The conversation tackles misconceptions about taxation and emphasizes the need for reforms that support lower-income individuals. Neidle critiques current tax structures and explores the viability of wealth taxes, advocating for fairness and economic growth.

Sheila Bair, former chair of the US Federal Deposit Insurance Corporation and author of the Money Tales children's book series, discusses fostering financial literacy in children in today’s cashless society. She shares insightful strategies to teach kids about money and the importance of early education. Delving into personal anecdotes, Bair emphasizes smart spending and the repercussions of financial decisions. She also reflects on her experiences during the mortgage crisis and the necessity of open family discussions about money.

Miranda Green, an FT columnist, shares her poignant journey of managing her father's financial affairs after his passing. She describes the unexpected length and complexity of this process, filled with frustrating interactions with financial institutions. Key discussions include the emotional toll of such bureaucratic tasks and the need for improved customer service in the financial sector. Eric Leenders, from UK Finance, responds to concerns and explores how streamlined services could aid families during these challenging times.

Christine Ross, a wealth manager from Handelsbanken, joins to discuss whimsical financial strategies for Barbie as she approaches retirement. They explore her varied careers and spending habits, emphasizing the crucial steps of creating a will and financial planning. The conversation highlights the impact of the gender pay gap on women's retirement savings and the importance of independent financial strategies for both Barbie and Ken. Listeners gain insights on prioritizing meaningful experiences and the significance of paying oneself first for financial independence.

Richard Hogwood, a family lawyer from Stewarts Law, and James Brookner, founder of the affordable prenup platform Wenup, discuss the rising trend of prenuptial agreements in the UK. They debunk misconceptions, highlight the emotional and financial benefits, and share insights into navigating the often tricky conversations around prenups. A newly engaged couple reveals their motivations for opting for a prenup and the importance of financial transparency in relationships. The conversation emphasizes that prenups can protect both partners, proving they're not just for the wealthy.