In this episode of the Money Gains Podcast we welcome Pete Matthews from Meaningful Money to the show.

Pete unpacks his "cash flow ladder" approach to retirement drawdown, explains why blanket de-risking near retirement can be a costly mistake, and shares the behavioural side of financial planning that most advice ignores.

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If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.

(Capital at risk when you invest)

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✅ Why de-risking your pension automatically as retirement nears could actually hurt you, and what to do instead
✅ How the "cash flow ladder" protects your retirement pot from crashing markets at the worst possible moment
✅ Why chasing a round number like £1 million is the wrong goal, and how to work out what your life actually costs
✅ How most financial advice fails because it ignores the psychology and behaviour behind people's money decisions
✅ Why the biggest life transitions are when you should actually seek financial advice

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DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.

This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.

Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz

Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇

🔗 https://upthegains.co.uk/investing-checklist

👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212

🔗 https://www.trading212.com/join/MGP

If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.

(Capital at risk when you invest)
*Commission-free investing: Other fees may apply. See terms and fees*

---------

Gains is the UKs first budgeting and cashback app that helps you track your spending and save more!

Download the app for free here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z

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This week we welcome back Andrew Craig to the show to discuss why passive investing into index funds could actually be more dangerous than we might think.

DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.

This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.

Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz

Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇

🔗 https://upthegains.co.uk/investing-checklist

👉🏼 Get FREE FRACTIONAL SHARES worth up £100 when you deposit £1 with Trading 212

🔗 https://www.trading212.com/join/MGP

If you don't receive the free fractional shares - head to the menu and put the word 'MGP' into the promo code section.

(Capital at risk when you invest)
*Commission-free investing: Other fees may apply. See terms and fees*

---------

Gains is the UKs first budgeting and cashback app that helps you track your spending and save more!

Download the app for free here 👉 https://gainsapp.onelink.me/8IhT/oiaimr1z

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CHAPTERS
0:00 Intro
2:10 Why £100 Matters
5:10 Compounding & The Real Numbers
9:51 What To Sort Before You Invest
15:44 How The Stock Market Works
22:18 A Stocks & Shares ISA (Fast vs Slow Pounds)
26:47 Stocks, Funds, ETFs & Indexes
31:15 The Strategy
35:20 Consistency

DISCLAIMER:
This episode is meant for educational purposes and should not be considered financial advice or UK tax advice. When you invest your capital is at risk. Past performance is not a guarantee of future success. Always do your own research.

This episode description contains affiliate links - if you click on one and make a purchase we may receive a small commission. This does not alter our suggestions and there is no charge for you.

Take the FREE Money Personality Quiz 👉🏼 https://upthegains.co.uk/quiz

Get The FREE 10 Step Checklist That Grew My Portfolio To Over £160,000+ 👇

🔗 https://upthegains.co.uk/investing-checklist