On this episode of the AJ Bell Money & Markets podcast, Sarah Coles and Dan Coatsworth look at the growing problem of lost pension pots and explain how to track down forgotten retirement savings. We also discuss the billions of pounds sitting in unclaimed Premium Bonds, and Child Trust Funds gathering dust. Importantly, Sarah explains ways to check whether some of that money belongs to you.

The team reveal six tax tips that could save people up to £8,500 ahead of the Budget and discuss what Chancellor John Healey might have in store for investors, savers and taxpayers. From pension tax breaks and income tax thresholds to ISAs, stamp duty and the state pension tax dilemma, Sarah and Dan run through the key areas to watch.

You can hear from interview with Sonia Bainbridge from Invesco on what it will take to get more people investing. The pod also discusses another week of cyber-attacks, an IMF inflation warning, AI stock weakness. James Flintoft reveals the AJ Bell investment team’s view on the recent bond market selloff.

Finally, hear about activist pressure at Whitbread, unusually low CEO turnover among FTSE 100 companies, and an important court case involving a romance scam.

Time stamps: [01:10] Lost pension pots, unclaimed Premium Bonds and forgotten Child Trust Funds [09:21] Six tax tips that could save people up to £8,500 [15:24] Autumn Budget preview: what could change for your money? [30:10] Sonia Bainbridge from Invesco on how to get more people investing [42:31] Cyber-attacks, inflation risks and AJ Bell’s James Flintoft on bond market volatility [58:33] AI stock wobble [01:01:03] Premier Inn owner Whitbread targeted by activist investor [01:03:16] Where’s all the CEO changes among FTSE 100 companies? [01:05:30] Romance scam

ASOS has been hit by a damaging cyberattack, reviving concerns about the threat facing UK retailers after incidents at Co-op and Marks & Spencer. This episode examines what happened, how ASOS could be affected and what might come next. We also explain why five-year fixed mortgage rates have reached 6% and what worried borrowers can do. Plus, we explore takeover talk involving Sainsbury’s and Morrisons, BT’s acquisition of TalkTalk, Jaguar’s electric vehicle rethink, record highs for the S&P 500, moves in oil and bond markets, SpaceX’s AI chip plans and the buzz around Meta’s Muse AI model.

We also talk to fund manager David Harrison from Rathbones about whether investors who rank sustainability highly can ever back AI companies given the water and energy usage involved.

Timestamps

[01:51] Oil prices, bond yields, a record high for the S&P 500 and SpaceX’s AI chip plans

[03:57] Meta’s Muse AI model, the buzz around it and the risks for the wider business

[09:01] Paramount and Warner Bros, BT’s takeover of TalkTalk and competition concerns

[14:55] Why a possible Sainsbury’s and Morrisons deal has revived talk of UK supermarket mergers

[18:11] The ASOS cyberattack and comparisons with Co-op and Marks & Spencer

[23:00] Five-year fixed mortgage rates hit 6% and what borrowers can do

[25:56] The headline announcements from the Conservative Party conference

[29:51] Eve Maddock-Jones speaks to David Harrison from Rathbones on AI and sustainability

[39:14] Jaguar’s electric vehicle rethink and the challenges facing carmakers’ EV strategies

The Autumn Budget is out, but what does it really mean for your money? Sarah Coles and Dan Coatsworth cut through the noise and explain the key announcements affecting savers, investors, pensioners and your personal finances, including what has changed, who wins and loses, and what you need to know now.

They discuss big changes to ISAs, what’s happening with the economy, the outlook for interest rates, and much more.

00:00 Start 01:33 Cash ISA changes scrapped 03:42 A new ISA for first-time buyers 07:03 The catches with the new first-time buyer ISA 09:13 A new incentive to start investing 11:46 Tax changes for state pensioners 13:29 Savings and property income face higher tax 14:49 What about dividend tax? 18:53 Cost of living: energy bills and fuel duty 23:37 What the Budget could mean for savers and banks 25:22 Frozen income tax thresholds and fiscal drag 26:12 Pensions and inheritance tax: no change

Join AJ Bell’s experts live for a free Budget Q&A webinar the day after the Chancellor’s Budget, Thursday 29 October at 12:30

https://ajbellplc.registration.goldcast.io/webinar/f6d51892-eb95-4159-9c1e-59709b32991d