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PensionCraft

@pensioncraft.com
1.2K followers 174 following 1.1K posts

PensionCraft helps you become a better investor. Check out our membership at pensioncraft.com & videos at youtube.com/@PensionCraft

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Reposted by PensionCraft
John Burn-Murdoch @jburnmurdoch.ft.com · 7h
What’s the evidence on rent control? I charted the findings from 112 studies: Great for rent-controlled tenants ✅ But: Pushes up rents for other people ❌ Pushes down new housing construction ❌ Pushes down building quality ❌
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PensionCraft @pensioncraft.com · 11h
Paying Off Debt Is an Investment (Here’s the Math). Watch the full version of this video on YouTube: Should You Invest or Pay Off Debt First? 🔗 buff.ly/QRF2Tak
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PensionCraft @pensioncraft.com · 03/10/2026
Two people, same mortgage rate, both with spare cash. Pay it down or invest? They don't get the same answer. My latest video has just been released! You can watch it now on YouTube. Should You Invest or Pay Off Debt First? buff.ly/QRF2Tak
youtu.be
Should You Invest or Pay Off Debt First?
Imagine two people with the same mortgage rate, both with spare cash, both asking the same question: should I pay down the mortgage, or invest the money? You might think they should get the same…
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PensionCraft @pensioncraft.com · 02/10/2026
Cheapest UK-listed distributing ETF in each part of a portfolio, ranked by fee across 9 categories, as of 21 Sep 2026. Global Equity: PACW at 0.07%. US Stocks: MSCU at 0.03% (tied with UC13). Full list + methodology: buff.ly/rlN21jo Educational only, not a recommendation.
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Reposted by PensionCraft
Carl Quintanilla @carlquintanilla.bsky.social · 01/10/2026
Jevon, call your office. (via Coatue)
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PensionCraft @pensioncraft.com · 30/09/2026
Many companies make their money from friction: forgotten subscriptions, tricky cancellations, loyalty penalties. Now AI agents promise to do the tedious admin and save you money. So is this the end of the laziness tax? Are we about to see subscription-based moats collapse? buff.ly/TIc9Opd
buff.ly
Cancel Culture: What Happens When AI Agents Do Your Admin? - Many Happy Returns
Many companies make their money from friction — forgotten subscriptions, tricky cancellations, loyalty penalties. Now AI agents promise to do all the ...
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PensionCraft @pensioncraft.com · 29/09/2026
Join me this Thursday evening ( Oct 1st @ 7pm UK time) for my monthly live Q&A on YouTube. You can join me live, set a reminder or catch up with the recording after the event using this link 🔗 buff.ly/HR9fXA2
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PensionCraft @pensioncraft.com · 29/09/2026
The Hidden Danger of Concentrated Growth Funds. Watch the full version of this video on YouTube: The New UK Star Manager: Should You Buy Blue Whale? 🔗https://buff.ly/QTqiymo
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PensionCraft @pensioncraft.com · 29/09/2026
Burnham: the State Pension triple lock changes from April 2030 Triple lock now: highest of earnings, CPI or 2.5% Double lock from 2030: highest of CPI or 2.5%, while holding its value "relative to earnings over time" Savings go to a national care service. Good compromise?
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PensionCraft @pensioncraft.com · 28/09/2026
Blue Whale Fund Trades a Lot. Watch the full version of this video on YouTube - The New UK Star Manager: Should You Buy Blue Whale? 🔗 buff.ly/QTqiymo
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PensionCraft @pensioncraft.com · 28/09/2026
👀
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PensionCraft @pensioncraft.com · 27/09/2026
One Manager, But Two Big Trades. Watch the full version of this video on YouTube - The New UK Star Manager: Should You Buy Blue Whale? 🔗 buff.ly/QTqiymo
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PensionCraft @pensioncraft.com · 26/09/2026
On Rue St Martin for more bicycle roulette
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PensionCraft @pensioncraft.com · 26/09/2026
Blue Whale just won a Best Global Fund award, but two-thirds of it is now one idea: AI chips. Is it still the fund that earned that record? My latest video has just been released! You can watch it now on YouTube. The New UK Star Manager: Should You Buy Blue Whale? 🔗 buff.ly/QTqiymo
buff.ly
The New UK Star Manager: Should You Buy Blue Whale?
The Blue Whale Growth Fund has just been named the best global fund in the UK for 2026, and it has been one of the UK's strongest performers since launch. But buy it today and two-thirds of your…
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PensionCraft @pensioncraft.com · 25/09/2026
Cheapest UK-listed accumulating ETFs, category by category. Full breakdown, 9 categories, tickers and fees 🧵 #ETFs #UKInvesting
PensionCraft cheat sheet: the cheapest UK-listed accumulating ETFs by category, including Global Equity, Developed Market, Emerging Market, European Equity, US Stocks, Small Cap, Gilts, Money Market and Commodities, with tickers and fees for each.
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PensionCraft @pensioncraft.com · 24/09/2026
The Money You Keep Safe Pays You Again Watch the full version of this video on YouTube: Why I’ve Switched to a 60/40 Portfolio 🔗 buff.ly/GeQr2d2
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PensionCraft @pensioncraft.com · 24/09/2026
Enjoying the electric bike roulette on the Canal St Martin
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PensionCraft @pensioncraft.com · 23/09/2026
The One Question That Exposes Your Real Risk Tolerance. Watch the full version of this video on YouTube: Lump Sum vs Drip Feeding Close to an All-Time High 🔗 buff.ly/Ud65HAG
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PensionCraft @pensioncraft.com · 23/09/2026
Three hikes and a hold in eight days, all in answer to the same energy shock. So why did the Fed, the ECB and the Bank of Japan raise rates, while the Bank of England sat tight, despite facing the worst inflation path of the four? So would you vote to hike? buff.ly/0q0rxmJ
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PensionCraft @pensioncraft.com · 22/09/2026
We Think Market Catastrophes Are 10x More Likely Than Reality Watch the full version of this video on YouTube: Lump Sum vs Drip Feeding Close to an All-Time High 🔗 buff.ly/Ud65HAG
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PensionCraft @pensioncraft.com · 22/09/2026
Odd that @robinwigglesworth.ft.com's point isn't discussed more. What if the yield curve now is just... the Old Normal? There's a strong case that that's true
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PensionCraft @pensioncraft.com · 21/09/2026
Hesitation Isn’t Market Insight—It’s Risk Appetite Watch the full version of this video on YouTube: Lump Sum vs Drip Feeding Close to an All-Time High 🔗 buff.ly/Ud65HAG
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PensionCraft @pensioncraft.com · 20/09/2026
Lump Sum vs Drip-Feeding: Vanguard’s Numbers Don’t Lie Watch the full version of this video on YouTube: Add Lump Sum vs Drip Feeding Close to an All-Time High 🔗 buff.ly/Ud65HAG
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PensionCraft @pensioncraft.com · 19/09/2026
A lump sum lands: inheritance, pension transfer, bonus, business sale. Market's near a record high. Invest it all now, or drip feed? New video: how ordinary record highs are, what waiting costs, and the one question that settles it. I drip fed mine. buff.ly/Ud65HAG
youtu.be
Lump Sum vs Drip Feeding at an All-Time High
A lump sum has landed in your account: an inheritance, a pension transfer, a bonus, or the proceeds of selling a business. You know what you want to do with it, but the market is close to a record…
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PensionCraft @pensioncraft.com · 18/09/2026
The Real Risk Isn’t Default—It’s a Chronic Crisis. Watch the full version of this video on YouTube: The US Is Trying to Keep Rates Low: Your Global Funds Are At Risk 🔗 buff.ly/K8AImwr
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PensionCraft @pensioncraft.com · 18/09/2026
With equity markets dominated by mega-caps, how can dividend stocks add balance and income to your portfolio? 📈 Join Ramin & WisdomTree to discuss total return, compounding, and quality screening. Register here: 👉 22 Sept: buff.ly/J8TvvuL 👉 25 Sept: buff.ly/sgF6eLq
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WisdomTree Retail Webinar: High Dividend
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PensionCraft @pensioncraft.com · 18/09/2026
Interesting, and maybe true? "People have the wrong idea about China. People think you cannot compete with them in high volume. But with robotics it does not matter where you are" Raspberry Pi founder Eben Upton: ‘I’m an omni-geek’ - @johnthornhill.bsky.social giftarticle.ft.com/giftarticle/...
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PensionCraft @pensioncraft.com · 16/09/2026
Your “Global” Tracker Isn’t That Global. Watch the full version of this video on YouTube: The US Is Trying to Keep Rates Low: Your Global Funds Are At Risk 🔗 buff.ly/K8AImwr
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PensionCraft @pensioncraft.com · 16/09/2026
Markets are meant to be efficient, yet they keep producing meme-stock frenzies, CEO vanity projects, and wild booms and busts. Alex Edmans, Professor of Finance at London Business School and author of The Madness of Markets, on why even smart investors lose their heads. buff.ly/LeFCJdb
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PensionCraft @pensioncraft.com · 15/09/2026
22 Cents of Every Tax Dollar Goes to Interest. Watch the full version of this video on YouTube: The US Is Trying to Keep Rates Low: Your Global Funds Are At Risk 🔗 buff.ly/K8AImwr
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PensionCraft @pensioncraft.com · 15/09/2026
93% chance of trouble ahead for Warsh
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PensionCraft @pensioncraft.com · 14/09/2026
Houses got more affordable, and not because prices fell Watch the full version of this video on YouTube: Why I'm Watching House Prices Very Carefully Right Now 🔗 buff.ly/wf7VsM1
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PensionCraft @pensioncraft.com · 14/09/2026
Q: What is Trump's IQ & is it sufficient to act as guardrails on AI? A: IQ isn’t an AI guardrail...
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PensionCraft @pensioncraft.com · 14/09/2026
Tokenised gold - a solution looking for a problem. There are several gold funds with fees of 0.12% in the UK & Europe and 0.09% in the US giftarticle.ft.com/giftarticle/...
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PensionCraft @pensioncraft.com · 12/09/2026
Your global tracker sounds diversified. Three quarters of it sits in one country, a quarter in ten companies. That was built when rates were falling. They aren't any more, and Washington can't push them back down. Why that matters for your fund: buff.ly/K8AImwr
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PensionCraft @pensioncraft.com · 11/09/2026
The Retirement Rule That Matters: A “Survivable Floor”. Watch the full version of this video on YouTube: How Much Do You Need To Retire in 2026? 🔗 bit.ly/4zLALqn
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PensionCraft @pensioncraft.com · 11/09/2026
How about #ExTerminalBros? Still miss my Bloomie 😔
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PensionCraft @pensioncraft.com · 10/09/2026
The One Retirement Decision That Changes Your Number by a Third. Watch the full version of this video on YouTube: How Much Do You Need to Retire in 2026? 🔗 bit.ly/4zLALqn
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PensionCraft @pensioncraft.com · 09/09/2026
The Financial Stability Board says frontier AI is the most immediate threat to the financial system, above sovereign debt, private credit and equity valuations. As AI learns to find and exploit vulnerabilities faster than humans can patch them, are our banks about to be hacked? buff.ly/kZzYdJL
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PensionCraft @pensioncraft.com · 09/09/2026
Doh
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PensionCraft @pensioncraft.com · 08/09/2026
We are delighted to welcome @robinwigglesworth.ft.com, editor of FT Alphaville & author of Trillions, the definitive book on the rise of passive investing, for a live conversation with Ramin on markets & investing. His new book, A Fabulous Debt, is out this month. 📅 9th Sept @6PM ▶️ buff.ly/mmB9TMv
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PensionCraft @pensioncraft.com · 08/09/2026
The 4% Rule Isn’t a Law of Nature. Watch the full version of this video on YouTube: How Much Do You Need To Retire in 2026? 🔗 bit.ly/4zLALqn
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PensionCraft @pensioncraft.com · 07/09/2026
The 4 % Rule Isn’t What You Think. Watch the full version of this video on YouTube - How Much Do You Need To Retire in 2026? 🔗 bit.ly/4zLALqn
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Reposted by PensionCraft
Adam @adamshap.bsky.social · 03/09/2026
Things happened this year
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PensionCraft @pensioncraft.com · 05/09/2026
The £1m pension headline (or 25x your yearly spending) rests on historic US market luck and skips a lot of real life. This video unpicks where the 4% rule came from, adjusts it for today's valuations, and shows you how to work out your own 2026 number. Usually smaller. bit.ly/4zLALqn
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PensionCraft @pensioncraft.com · 03/09/2026
Bond ladders feel like control. A neat row of gilts maturing year after year, capital back on schedule. But before you buy the first rung: what's the ladder for, what are you giving up for that certainty, and would something simpler do? buff.ly/VwRxwGh
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PensionCraft @pensioncraft.com · 03/09/2026
_No_ coverage of yields falling today on the BBC
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PensionCraft @pensioncraft.com · 02/09/2026
Join me this Thursday evening ( Sept 3rd @ 7pm UK time) for my monthly live Q&A on YouTube. You can join me live, set a reminder or catch up with the recording after the event using this link 🔗 bit.ly/4x4g5HE
youtube.com
Investing & The Global Economy - Live Q&A
Do you have a question that you would like to ask Ramin? Well, this is your chance! You can ask Ramin anything about investing or the global economy, and Ram...
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PensionCraft @pensioncraft.com · 02/09/2026
static.klipy.com
Sure, Jan. (Brady Bunch Meme)
ALT: Sure, Jan. (Brady Bunch Meme)
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PensionCraft @pensioncraft.com · 01/09/2026
It's a bit disingenuous not to mention the bond yield rise is _global_ so it's great to see @faisalislam.bsky.social making this point
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