Forty-nine-year-old Jane has always been careful to squirrel money away, and a recent inheritance has boosted her nest egg to £125,000. But there’s one problem: it’s all in cash. Now, with half an eye on retirement, Jane wants to start investing but is unsure about how to do this.

Presenter Claer Barrett hears from experts Emma Sterland, chief financial planning director at Evelyn Partners, and Investors’ Chronicle editor Rosie Carr. Together, they discuss how Jane might make the most of tax-efficient vehicles like the stocks and shares Isa, how a first-time investor could build a diversified portfolio, and why knowing your reasons for investing is so important.

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:

Read Claer’s recent column weighing up the likely effect of rumoured Isa reforms: https://on.ft.com/4hdLMX5

What’s going into your Isa this year? Read this guide about how to pick diversified investments by FT columnist Moira O’Neill: https://on.ft.com/4hcyKZP

Presented by Claer Barrett, produced by Mischa Frankl-Duval, with mix and sound design from Breen Turner, Sam Giovinco 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.

Sixty-seven-year-old Paul invests using index funds. Over the years, his exposure to US tech stocks has helped him build up a sizeable retirement pot — but recent stock market volatility is making him worry.

Now that he’s no longer working, Paul wonders if he should diversify into other equity markets, consider buying bonds, or an annuity. But he is finding this is hard to do without looking at the bigger picture of his finances in retirement.

Financial Times consumer editor Claer Barrett is joined by Adam Walkom, co-founder of financial planning firm Permanent Wealth Partners, and Moira O’Neill, an award-winning journalist with a column in the weekend edition of the FT.

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:

If concentration risk is something that worries you, read this FT analysis: "How big is the stick market's 'America Bubble'?" https://on.ft.com/4ifFash

For a masterclass in how index funds work, do check out this episode from the Money Clinic back catalogue:

'Investment Masterclass: The cheapest way to invest.' It's available on Apple (https://podcasts.apple.com/gb/podcast/investment-masterclass-the-cheapest-way-to-invest/id287031335?i=1000582970471) and Spotify: (https://open.spotify.com/episode/4BDgn1dKL3JCkkjYwwbe2B)

Presented 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.

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/41qB7lW

For more information about investing using Investment Trusts, read this FT piece by columnist Jonathan Guthrie: https://on.ft.com/3QMrGYQ

Presented 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.