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?
Digital AI hit the office, but the 'Physical AI' wave is coming for the factory floor and the warehouse. With hardware costs projected to halve by 2030 and labor shortages becoming a permanent structural fixture, the business case for humanoid robots is shifting from science fiction to economic necessity.
The Bank of England has replaced its standard forecast with three stark scenarios, signaling a growing risk that interest rates could hit 5.25%. While markets hope for a soft landing, a surge in inflation expectations suggests a more persistent crisis is taking root. Your strategy for mortgages and savings must now account for a reality where 'higher for longer' isn't just a possibility, but a necessity to prevent economic unanchoring.
Most investors obsess over fund picking while ignoring the two variables that actually determine retirement success: savings rates and fee leakage. Discover why a tiny 2% shift in your habits can create a #53,000 wealth gap and how to sequence your UK accounts to maximize government bonuses. There is a specific order to building a resilient portfolio that keeps the finance industry's hands out of your pocket.
The standard 60/40 portfolio is failing as supply-driven inflation breaks the traditional relationship between stocks and bonds. While many investors hide in cash, they are silently losing billions in purchasing power due to a behavioral bias known as money illusion. The solution lies in shifting toward real assets like commodities and gold, which have historically outperformed during periods of economic stagnation.
Many investors believe their cash funds are as safe as bank deposits, but the reality of regulatory protection and fund structures tells a different story. While physical and synthetic funds both aim for stability, only one of these structures remained unscathed during the high-pressure stress test of March 2026.