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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 · 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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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

Had Burnham's change applied since 2011, the full new State Pension would be £228 a week today, not £241.30. That's about £690 a year less All of the gap comes from 6 years when pay beat inflation

Line chart of the cumulative rise in the UK State Pension from 2010 to 2026. The triple lock (blue) rises 89%. A counterfactual "double lock", the higher of CPI or 2.5%, rises 78% (amber). Average earnings rise 66% (dashed teal). The two lock lines split only in 2016, 2019, 2020 and 2024 to 2026, the years when earnings growth beat both CPI and 2.5%. Callout: the full new State Pension would be £228.08 a week instead of £241.30, about £690 a year less. Source: IFS 2025, ONS, PensionCraft

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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 · 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 · 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 · 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 · 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

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 · 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 · 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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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 · 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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PensionCraft @pensioncraft.com · 31/08/2026

When 300 Investors Got the Market Dead Wrong Watch the full version of this video on YouTube - Is The European Stock Market A Huge Opportunity Or A Mistake? 🔗 youtu.be/xuIkpQpAzao

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PensionCraft @pensioncraft.com · 30/08/2026

Could the person running this fake PensionCraft TikTok account please contact us - we need some TikTok tips

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PensionCraft @pensioncraft.com · 29/08/2026

In 2007, Europe was the obvious bet: a dollar invested there in 1970 had grown to $84, versus $48 in America. Today that's reversed, and Europe trades at a steep discount. Is that real value, or a trap? What you're actually buying when you buy Europe: bit.ly/4gUppsv

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PensionCraft @pensioncraft.com · 29/08/2026

@edconway.bsky.social is gearing up for National Treasure status in my eyes. This is just amazing - he tells an engaging story about _fish fingers_ and we learn lots about the Trade World on the way too edconway.substack.com/p/the-30000-...

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PensionCraft @pensioncraft.com · 28/08/2026

The Simple Portfolio That Beat the Pros. Watch the full version of this video on YouTube: How The Wealthy Invest 🔗 bit.ly/3SGMo12

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PensionCraft @pensioncraft.com · 28/08/2026

Situational Awareness Was Up 439%. Then It Had to Sell Everything.

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PensionCraft @pensioncraft.com · 27/08/2026

Family Offices Got MORE Home-Biased. Here’s Why. Watch the full version of this video on YouTube: How The Wealthy Invest 🔗 bit.ly/3SGMo12

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PensionCraft @pensioncraft.com · 27/08/2026

Vanguard has just launched three new global funds, and the cheapest charges 0.07% a year. That's roughly a 70% cut if you hold their all-cap index fund at 0.23%. But there's a catch: what it costs to leave your current fund could wipe out years of savings. bit.ly/4qCUa8R

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PensionCraft @pensioncraft.com · 26/08/2026

Rich People Don’t Pick Stocks. They Build a Family Office. Watch the full version of this video on YouTube: How The Wealthy Invest 🔗 bit.ly/3SGMo12

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PensionCraft @pensioncraft.com · 26/08/2026

Humanity has just fallen below replacement fertility for the first time in history. A new paper challenges everything we thought we knew about population decline and economic growth. So what happens to your portfolio when the pie stops growing? bit.ly/4xo2GLr

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PensionCraft @pensioncraft.com · 25/08/2026

Structured Products: More Features, Worse Returns. The Hidden Cost of Complexity. Watch the full version of this video on YouTube - How The Wealthy Invest 🔗 bit.ly/3SGMo12

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PensionCraft @pensioncraft.com · 25/08/2026

That's right, so far (unusually for Vanguard) it's accumulation only www.vanguardinvestor.co.uk/investments/...

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