My name is Ramin Nakisa and I started PensionCraft in 2016 as I felt strongly that I wanted to teach people how to invest well for themselves so they could stop making costly mistakes and losing their money through having to pay unnecessarily high fees. Before starting PensionCraft, I worked in investment banking as a strategist and I was a frequent contributor on CNBC and Bloomberg TV. I have written two books about finance and investment: one for professional investors and one that explains how to buy and sell volatility using exchange-traded products. I publish a new video on YouTube every Saturday and you can join me for a live Q&A on the 1st Thursday of every month at 7pm UK time. If you want to learn how to become a better investor then why not join our friendly membership at pensioncraft.com?
I've analyzed how the global technology landscape is undergoing a massive shift that could quietly deflate America's trillion-dollar tech boom. One specific international competitor is offering a highly capable alternative that costs 60 times less than top US models. If you want to protect your portfolio from this sudden structural realignment, you need to understand how the flow of capital is changing.
I've been watching regulators on both sides of the Atlantic quietly loosen the capital safety nets built after the 2008 crash. The rules are changing, and the risk isn't disappearing—it's shifting into a massive, untested corner of the financial market. I've mapped out exactly where this hidden risk is building and the simple rule I use to keep my personal savings completely insulated from the fallout.
Global defense spending has surged to record highs, leaving retail investors eager to capitalize on massive government procurement cycles. Yet, piling into popular defense stocks now could expose your capital to severe valuation risks. I have outlined a structured approach to help you capture this trend without overexposing your portfolio.
The UK government is introducing a flat 22% tax and strict limits on cash held inside your investment accounts starting in 2027. This quiet policy shift targets money market funds, threatening to void the tax-free status of accounts that the Treasury deems too safe. I have found a few straightforward asset-allocation adjustments that bypass these rules completely without forcing you into risky stocks.
Your 'safe' value stocks have quietly been hijacked by the AI revolution, turning boring portfolios into high-stakes hardware bets. As tech giants issue 100-year bonds to fund a $700 billion infrastructure spree, the line between prudent diversification and a hidden bubble has completely vanished.