Ep 496 - Investing correlations, cash ISA raid & Moneyhub alternatives
The Money To The Masses Podcast
Damien Fahy
4.8 • 589 Ratings
🗓️ 2 March 2025
⏱️ 29 minutes
🧾️ Download transcript
Summary
On this week's episode Damien discusses the importance of understanding the correlation between different asset classes when building a diversified investment or pension portfolio. He then reveals which assets have been the best portfolio diversifiers and performers over the last 5 years. Damien then takes a look at the best Moneyhub alternatives following the news that the budgeting app is set to close. Finally, Damien and Andy discuss the rumours that the UK government is about to slash the cash ISA allowance.
This show is sponsored by PensionBee the UK's leading online pension provider. It can help you transfer most old pensions together into one new online plan, so you'll know exactly how much you've saved and where to find it. If you are looking for a low-cost, hassle-free way to consolidate your pension pot (excluding final salary pensions), then PensionBee is worth considering. When you transfer your pensions, you can pick from a range of purpose-built pension plans, and if you want to contribute more to your pension, you can do that too. You can sign up to PensionBee in minutes using just the names of old employers or pension providers. Capital at risk.
Watch the whole show on YouTube here:
Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.
00:00 - MTTM Podcast episode 49604:37 - Importance of understanding the correlation between different asset classes13:26 - Alternatives to Moneyhub budgeting app14:45 - The Closure of Money Hub15:13 - Final Budgeting App Recommendations and User Insights23:51 - Speculation on Reduction of the Cash ISA allowance27:25 - The Future of Cash ISAs 28:42 - End of episode
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Links referred to in the podcast:
- Best Moneyhub alternatives
- Try out the Money to the Masses budgeting spreadsheet
- Chancellor considers cutting Cash ISA limit to £4,000
- Take out a free trial of 80 20 investor
Transcript
Click on a timestamp to play from that location
| 0:00.0 | I'd just like to say a quick thank you to our podcast sponsor, Pension B, the UK's leading online pension provider. |
| 0:06.4 | Pension B can help you transfer most old pensions together into one new online plan, |
| 0:11.4 | so you'll know exactly how much you've saved and where to find it. |
| 0:15.6 | If you are looking for a low-cost hassle-free way to consolidate your pension pots excluding final salary pensions, then |
| 0:21.5 | pension B is worth considering. When you transfer your pensions, you can pick from a range of |
| 0:26.7 | purpose-built pension plans, and if you want to contribute more to your pension, you can do that |
| 0:30.9 | too. A combination of investment fund, performance, low-costs and excellent customer service |
| 0:35.7 | have clearly been integral in Pension |
| 0:37.6 | B gaining over 265,000 customers, over £6 billion in assets and an excellent rating on |
| 0:44.2 | TrustPilot. |
| 0:45.0 | You can sign up in minutes with the names of old employers or providers. |
| 0:48.5 | As always with investments, your capital is at risk. |
| 0:51.5 | Hello and welcome to episode 496 of the Money to the Masses podcast with your resident expert, as always, Damien Faye and me, Andy Leaks, Damien, welcome back. |
| 0:59.9 | How you do? |
| 1:00.9 | I'm good. |
| 1:01.8 | I feel like I might be at the beginnings of a cold, so apologies if my voice sounds slightly deeper than usual. |
| 1:08.4 | But there's been a pretty good week. |
| 1:10.4 | I'm slightly unusual, |
| 1:11.3 | in fact. I've recorded a podcast with somebody else. I have to say, Andy, or you were there. |
| 1:16.9 | You were watching. I don't feel so bad. You were actually in the room at the time, |
| 1:21.2 | helping with the editing. So people will get that in the near future. There's a podcast I recorded |
| 1:26.2 | with I,I, which is a particularly good show, |
... |
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