Investing Unlocked

We’re living longer and having fewer children. But are the effects of longevity an economic threat or a huge investment opportunity?

In this episode of Investing Unlocked, Georgie Frost and guest host Maike Currie (PensionBee) are joined by David Sinclair, Chief Executive of the International Longevity Centre, to explore what longer lives and falling birth rates mean for investors.

They look at the impact of a shrinking workforce and whether AI and automation can help plug the labour gap, as well as the investment opportunities emerging from the ageing population and the so-called ‘silver econ...

Trillions of dollars are pouring into artificial intelligence. But is the AI boom outpacing reality?

In the Season 2 premiere of Investing Unlocked (sponsored by PensionBee), Georgie Frost and guest host Russ Mould talk to BBC technology broadcaster Spencer Kelly about what the AI boom means for your money.

They explore the echoes of the dot-com bubble, how exposed investors really are to a handful of AI and tech giants, and look beyond the obvious names to the ‘picks and shovels’ of the AI revolution: chips, data centres and cooling systems. 

A...

Companies are spending trillions on AI. Governments are ripping up the old economic rulebook. Global power is shifting and populations are getting older.

The world is changing. But what does that mean for your money — and where you invest it?

Hosted by multi-award-winning financial broadcaster Georgie Frost and sponsored by PensionBee, Investing Unlocked returns for a second season, taking you beyond the latest market stories to explore the people, ideas and forces shaping our financial futures.

From the future of gold and the promise of AI to what’s real...

What separates a successful investor from everyone else – and why do so many of us feel like we're getting it wrong?

In the season finale of Investing Unlocked, Georgie Frost and Simon Lambert  are joined by financial educator and author of Money Mentor, Anna Brading, to explore the notion of money dysmorphia – the disconnect between your actual financial situation and how you perceive it

Together, they examine what's really holding investors back from success – from persistent gender gaps and generational pressures to the impact of recent changes to ISAs and pensions - and w...

AI is transforming the world – but does that automatically make it a good investment?

In this episode of Investing Unlocked Extra, Georgie Frost is joined by Andrew Oxlade, Director at Fidelity Personal Investing, to unpack one of the biggest questions facing investors today.

Are AI stocks genuinely worth their eye-watering valuations, or are we seeing echoes of the dot-com bubble? And if you're invested in a pension, ISA or global tracker fund, how much AI exposure do you already have without realising it?

Together, they explore whether Nvidia, SpaceX and the Magnificent Seven ha...

How do you build a solid ETF portfolio when there are currently over 10,000 Exchange-Traded Funds to choose from?

ETFs are often sold as the ultimate low-cost, hassle-free way to invest. But with a market that’s more volatile than ever, knowing how to choose the best ETFs is much harder than it used to be.

In this episode of Investing Unlocked, Georgie Frost and Simon Lambert are joined by Steve Palmer, Head of ETF Solutions at Royal London Asset Management, to break down everything you need to know about ETF investing.

Investment trusts have been around for more than 150 years – but plenty of investors still aren't quite sure what they are, how they work or why they might want one in their portfolio.

In this Investing Unlocked Extra, Georgie Frost is joined by Annabel Brodie-Smith from the Association of Investment Companies to get under the bonnet of one of investing’s oldest – and perhaps most misunderstood – structures.

How can you buy £1 worth of assets for 90p? Why can investment trusts borrow money to invest? And how have trusts opened the door to everything from infrastructure and private c...

Bonds are powerful financial instruments that dictate mortgage rates and can bring down governments in a matter of days. Liz Truss learnt this the hard way in 2022. Yet, most retail investors still don't own them – or even fully understand what they do. 

In a world obsessed with fast growth, is ignoring the bond market a costly oversight for retail investors?

In this episode of Investing Unlocked, Georgie Frost and Simon Lambert sit down with Professor Moorad Choudhry – fixed income expert and former JP Morgan banker – to demystify one of investing's most misunderstood asset classes.

Capital Gains Tax is back in the spotlight, with growing speculation over whether the new Prime Minister could overhaul the system. But what exactly is CGT and what would any changes actually mean for investors?

In this episode, Georgie Frost is joined by Jason Hollands, Managing Director at Evelyn Partners, to unpack how Capital Gains Tax works, why it's taxed differently from income, and what proposed changes could mean for investors, business owners and the wider economy.

They discuss whether higher CGT would make the tax system fairer, why inflation matters more than many people...

Most people have no idea how much they need in their pension to retire. Almost half of UK adults don't even know how much is in their pension pot.

Jobs for life and final salary pensions are a thing of the past – and with the recent shift from defined benefit to defined contribution pensions, retirement has become one of the biggest financial challenges of our time.

In this episode of Investing Unlocked, Georgie Frost and Simon Lambert sit down with Maike Currie – investment commentator and VP of Personal Finance at PensionBee – to make sense of the...

Labour's ISA reforms have been confirmed, bringing the biggest shake-up to ISAs in years. 

From April 2027, the Cash ISA allowance will be cut to £12,000, while cash held inside a Stocks and Shares ISA could face a new 22% tax on the interest it earns.

So what exactly is changing? Who will be affected? And will these reforms really encourage more people to invest, or simply make ISAs more complicated?

In this episode of Investing Unlocked Extra, Georgie Frost is joined by Investors' Chronicle personal finance and funds writer Helen Kirrane to explain the new ru...

Making money through investing takes time. Trading promises to do it fast. At least, that's what social media wants you to believe.

So, can you actually make money trading – or is it a near-guaranteed way to lose it all?

In this episode of Investing Unlocked, Georgie Frost and Rick Kelsey sit down with professional trader Michael Taylor – better known as Shifting Shares – to explore why most traders lose money, and what separates the ones who don't.

Michael shares his honest personal journey into UK small-cap trading, from the costly mistakes he made along the wa...

SpaceX's IPO. The World Cup. Two of the biggest events on the planet right now.

One involves investors pouring billions into a company promising to reshape the future. The other involves fans paying thousands to watch 22 people kick a ball around a field. But when excitement reaches fever pitch, who actually wins?

In this episode of Investing Unlocked Extra, Georgie Frost is joined by Economics Editor at Investors' Chronicle, Hermione Taylor, to explore the economics behind two global phenomena.

What exactly are investors buying when they buy into SpaceX? Are they backing a...

The UK stock market has been described as cheap, undervalued and out of favour for years. But according to Clive Beagles, the real story is far more alarming: at the current rate of takeovers, the UK could have no stock market left in ten years.

So is it time to back Britain – or is it already too late?

In this episode of Investing Unlocked, Georgie Frost and Simon Lambert talk to Clive Beagles – Senior Fund Manager at J O Hambro Capital Management – to make sense of why one of the world's oldest stock markets is sle...

ISAs are back in the spotlight after the government's decision to cut the Cash ISA allowance for under-65s from next year. But that's only part of the story.

In this episode of Investing Unlocked Extra, Georgie Frost is joined by Sarah Coles, Head of Personal Finance at AJ Bell, to separate fact from fiction and explain what the latest ISA changes could mean for savers and investors.

They discuss:

• Why the government is changing Cash ISAs
 • Whether the reforms will actually encourage more investing
 • The speculation around taxing cash held within S...

What if the greatest financial gift you could give your child isn't a savings account? It’s timing.

In this episode of Investing Unlocked, Georgie Frost and Rick Kelsey sit down with Claer Barrett – FT consumer editor, money expert and author of the bestselling What They Don't Teach You About Money – to make the case for investing for kids, and explain exactly how to do it.

They cover everything from Junior ISAs and Junior SIPPs to stock market investing for children – and how to make it work even when money is tight.

But building...

UK government borrowing costs have climbed to their highest levels in decades – and suddenly the bond market is back in focus.

In this episode of Investing Unlocked Extra, Georgie Frost is joined by author and award-winning investment journalist Cherry Reynard to unpack what’s happening in the gilt market, why investors are getting nervous about Britain’s finances and what it could mean for mortgages, pensions and the wider economy.

They discuss:

For generations, we’ve been told that property is the "default" safe bet. But the world is changing fast. Landlord numbers are falling, and interest rates are staying higher for longer.

In this episode of Investing Unlocked, Georgie Frost and Simon Lambert sit down with Rob Dix – author, landlord and co-founder of Property Hub – to ask if investing in property is still worth it. And if it is, how do you actually do it well?

They interrogate the long-held British belief that "my property is my pension," identifying who property genuinely suits as an asset class...

If you’ve got a pension, chances are big changes are coming - whether you realise it or not.

From a brand new pensions bill to debates over the future of the triple lock, and even changes to salary sacrifice, the UK pensions landscape is shifting fast.

In this episode of Investing Unlocked Extra, Georgie Frost speaks with pensions expert and Times columnist Tom McPhail about what’s changing, what it means for your retirement, and what you should actually be paying attention to.

They...

British households are sitting on £430 billion in cash that could be invested. So what's stopping us? 

The truth is, most people are terrible with money - but it's not for lack of knowledge. It's how we're wired.

In this episode of Investing Unlocked, Georgie Frost and Simon Lambert sit down with financial psychotherapist, Vicky Reynal - Times columnist and author of Money on Your Mind - for a rare look at the psychology behind our most common investing mistakes.

They get into why intelligent, successful people still make poor money choices, ho...

From global equities to commodities like oil and gold, the US dollar sits at the centre of the financial system. When it moves, it can have a major impact on investment returns, inflation, and global markets. But the dollar’s dominance is increasingly being questioned.

In this episode of Investing Unlocked Extra, Georgie Frost speaks with Emma Wall, Chief Investment Strategist at Hargreaves Lansdown, about what’s happening with the dollar, why central banks are diversifying into gold, and what it all means for UK investors. 

They also discuss the government-backed campaign to get more Brits...

Love it or loathe it, social media is now where millions of us go for investing advice.

For a generation priced out of property, it's become something more. Social media, for many, is a genuine route to financial education. But unregulated and ungoverned, the lines between education, entertainment and sales are becoming increasingly blurred ... and we're seeing a rise in misinformation, bad actors and outright scams.

So in a sea of content, who can we actually trust?

In this episode of Investing Unlocked, Georgie Frost and Rick Kelsey talk to personal finance educator...

Last month should have been the moment for “safe haven” assets like gold and government bonds to shine. Instead, gold suffered its worst month in over a decade, while UK government bonds saw their biggest fall since the 2022 mini-budget crisis.

So what went wrong?

In this episode of Investing Unlocked Extra, Georgie Frost speaks to finance journalist Holly Mead about why traditional defensive investments sometimes fail – and what investors should really do when markets turn volatile.

They explore:

Crypto divides opinion like almost nothing else in the world of investing.

For the “true believers”, it’s the ultimate disruptor - decentralised, borderless, and built to thrive outside an outdated financial system. To the skeptics, it’s less of a revolution and more about faith than fundamentals.

But between the cult-like hype and the constant predictions of total collapse, what the heck is actually happening?

In this episode of Investing Unlocked, Georgie Frost and Simon Lambert sit down with Glenn Goodman – a former financial journalist turned full-time crypto tra...

The end of the tax year is fast approaching – and that means a reset to your ISA and pension allowances, alongside important tax changes that could impact your returns.

In this episode of Investing Unlocked Extra, Georgie Frost is joined by Dan Coatsworth, Head of Markets at AJ Bell, to break down what investors should be doing right now – before the April 6th deadline.

They discuss:
• Why 2025 was a strong year for markets – and why volatility has returned in 2026
• Where investors are putting their money right now (and why tech is losing favour)
• How t...

Every generation thinks it knows more than the last … yet we keep making the same investing mistakes.

In the late nineties, we were told that boom and bust was a thing of the past - yet we all know how that turned out. Bubbles keep happening – and they seem to be happening more often. Some say we may even be due another crash.

So how can you spot one, prepare for it, and learn from what history has taught us about money, markets and our own behaviour?In this episode of Investing Unlocked, Georgie Frost is j...

From official government campaigns to social media feeds, investing is being pushed harder than ever. But once you decide to do it, what actually makes someone good at it? For years, it’s been dressed up as something complicated. It doesn’t have to be.

In the first episode of Investing Unlocked, Georgie Frost is joined by Jonathan Guthrie, former Lex editor at the Financial Times and author of The Truth About Investing, with this season’s regular guest Simon Lambert.

The three talk about what investing really involves once you strip away the noise: why tr...

Introducing Investing Unlocked with Georgie Frost – a straight-talking podcast for people who want to understand investing without the jargon.

With investing moving to the centre of financial life in 2026, this series looks at what really matters once you strip away the noise.

Across the season, Georgie is joined by leading voices from investing, economics and financial journalism, including financial psychotherapist Vicky Reynal, Jonathan Guthrie, former head of the Financial Times’ Lex column and risk and finance expert Moorad Choudhry.

Together, they explore market psychology, long-term decision-making and the economic forces shaping what happens next...