TRAP: The Real Adviser Podcast 86 - The Big Lessons of 2025 (with special guest Pete Matthew)
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Dec 18, 2025 In this engaging discussion, financial educator Pete Matthew shares insights on investing and pensions. He emphasizes the importance of continuous growth and challenges the notion of complacency in personal finance. The panel also dives into the FIRE movement and the risks of low-return portfolios for retirees. Other lively topics include the shift of UK pension funds into private markets and the need for clarity through coaching. Overall, a rich exchange of ideas on navigating today’s financial landscape.
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Tax Digitalisation Forces Quarterly Reporting
- 'Making Tax Digital' will push sole traders and landlords to quarterly digital reporting and software use from April 2026.
- This change will disrupt those still using pen-and-paper accounting and may improve tax timeliness.
Cash Piles Signal Planning Opportunity In Ireland
- Irish household wealth rose, but most of the increase went into property revaluations and deposits, not equities.
- That creates a large pool of cash ripe for long-term financial planning opportunities.
Use Data To Tackle Cash-Heavy Client Portfolios
- Emphasise inflation risk when advising savers who keep large sums in cash.
- Use FCA data showing 61% of adults with ≥£10k hold most assets in cash to support the advice.
