Your Pension is an Investment - Stop Treating it Like Savings

Coinbase AD | Visit Coinbase to learn more: https://coinbase-consumer.sjv.io/c/6585058/1342972/9251This episode is sponsored by Coinbase, Visit www.coinbase.com to learn more. Crypto comes with unique risks, take 2 minutes to learn more.Most people treat their pension as a passive "set and forget" savings account. They are wrong. In this episode, Edmund Greaves and Chris Tuite are joined by Clare Moffat, pension and tax expert at Royal London, to dismantle the myths that keep the UK "under-saved." We tackle why a staggering 25% of young workers misunderstand their own money and why the "default fund" might be the biggest hurdle to your future wealth.The Default Fund Trap: Why "safe" is actually risky for anyone under 50.The 2026 Mortgage Reality: Balancing high interest rates against long-term pension growth.The ISA Bridge: How to use a Stocks & Shares ISA to retire before the age of 57.The 100k Tax Trap: How to use pension contributions to reclaim your personal allowance.The Pay Rise Hack: A blunt, painless strategy to increase your pot without "feeling" the cost."Pensions are not bank accounts. If you don't engage with the underlying investments, you are essentially leaving your retirement to chance."Resources & Links:Royal London Research: Pensions and Adequacy Report (via Oxford Economics).Mouthy Money: Visit our website for more no-nonsense financial guideshttps://mouthymoney.substack.com/Follow Edmund Greaves: https://www.linkedin.com/in/edmundgreaves/ MOUTHY MONEYGet in touch ⁠⁠[email protected] ⁠⁠DISCLAIMERThis video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.What’s inside this episode:-The Default Fund Trap: Why "safe" is actually risky for anyone under 50.-The 2026 Mortgage Reality: Balancing high interest rates against long-term pension growth.-The ISA Bridge: How to use a Stocks & Shares ISA to retire before the age of 57.-The 100k Tax Trap: How to use pension contributions to reclaim your personal allowance.-The Pay Rise Hack: A blunt, painless strategy to increase your pot without "feeling" the cost."Pensions are not bank accounts. If you don't engage with the underlying investments, you are essentially leaving your retirement to chance."Resources & Links:Royal London Research: Pensions and Adequacy Report (via Oxford Economics).Mouthy Money: Visit our website for more no-nonsense financial guideshttps://mouthymoney.substack.com/Follow Edmund Greaves: https://www.linkedin.com/in/edmundgreaves/ MOUTHY MONEYGet in touch ⁠⁠[email protected] ⁠⁠DISCLAIMERThis video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠. Please note, video captions are auto-generated and may not be 100% accurate.