Fund Your Retirement Podcast

The Fund Your Retirement Podcast is designed to inspire and educate you about funding your retirement. We will be sharing the best strategies, skills, tips, and resources to grow your wealth. Lee will introduce you to highly successful Investors, traders, entrepreneurs, and experts who are passionate about sharing financial intelligence and solutions for income and capital growth. The Fund Your Retirement podcast is dedicated to helping you level up your skills in financial self-sufficiency, building long-term wealth and retirement prosperity. Subscribe and begin the journey.

ILT013 From Rothschild to James Hambro: A Journey in Investment Management with Nicola Barber (S2 EP05) 08/23/2025

ILT012 Navigating Careers and Capital Markets: Insights with Malar Velaigam (S2 EP04) 05/11/2025

ILT012 Navigating Careers and Capital Markets: Insights with Malar Velaigam (S2 EP04) In this episode of 'Investing for the Long Term,' hosted by Judith McKenzie Head of Downing Fund Managers and Rosemary Banyard consultant to Downing Fund Managers, the focus is on Malar Velaigam, a director at Dowgate Capital with over 15 years of experience in the capital markets. The conversation delves into Malar's unique career journey from corporate finance in Malaysia to her significant roles in London. They discuss challenges faced by boards, the importance of board composition, and Malar's transition to broking and her first non-executive directorship. The episode also highlights the need for better financial education and market savvy within boards, the state of the UK stock market, and Malar’s passion for stocks and growth investing. Insightful commentary is provided on improving market conditions and fostering a more innovative and supportive financial industry. Timestamps: 00:00 Introduction 01:46 Malar's Career Journey 03:22 Transition to Journalism 03:52 Life in London and Career Shifts 05:59 Joining the Broking World 07:09 Balancing Career and Family 08:08 Excitement of Covering Tech 10:08 Investment Mindset Differences 11:52 Financial Education for Youth 13:42 Challenges in Broking 17:40 Importance of Board Composition 20:47 First Non-Executive Directorship 22:58 Balancing Board Skillsets 23:31 Importance of Board Cohesiveness 25:32 Challenges in Company Management 28:14 UK Stock Market Struggles 32:29 Proudest Career Achievement 35:12 Passion for Growth Stocks 37:38 Industry Changes and Challenges If you like this episode, please let us know by subscribing for future company reviews and insightful conversations about the markets, personal finance, portfolio management and stock analysis. Hope you enjoy this episode and have a wonderful day. Links & Resources: Visit Downing Fund Managers here: Follow Downing on X/Twitter @downingllp: Investors reading and watch list for the long-term investor: Visit Fund Your Retirement: Follow FYR on Twitter: Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions. /episode/index/show/fundyourretirement/id/36521330

ILT011 SVM Chairman Jamie Matheson Takes us on A Journey Through the World of Investments (S2 EP03) 02/08/2025

ILT011 SVM Chairman Jamie Matheson Takes us on A Journey Through the World of Investments (S2 EP03) In this episode of 'Investing for the Long Term,' hosts Judith McKenzie and Rosemary Banyard delve deep into the career and philosophies of Jamie Matheson, former Executive Chairman of Brewin Dolphin. Jamie reflects on his introduction to the financial world, pivotal career moments, and shares key insights about leadership, personal relationships, and the evolution of the financial industry. Judith and Rosemary provide personal anecdotes of their professional crossroads with Jamie, adding layers to his narrative. The discussion covers significant financial events like the 1987 Big Bang, the importance of personal integrity, and how to balance career aspirations with personal ethics. Jamie also discusses his post-Brewin ventures, including his involvement in fund management boutiques and charitable work. This episode offers valuable lessons on professional growth, the power of people in business, and the significance of giving back to the community. Timestamps: 00:01 Introducing Jamie Matheson 01:40 Judith's Early Career with Jamie 03:10 Rosemary's Connection with Jamie 04:45 Jamie's Career Beginnings 05:50 Rising Through the Ranks 10:04 Leadership and Personal Relationships 11:27 Changes in the Financial Industry 14:50 Memorable Anecdotes 18:07 Challenges and Rewards of Leadership 21:48 Transition to Boutique Fund Management 23:19 Becoming Chairman of Saracen 25:15 Consolidating Boutiques: Challenges and Strategies 26:13 The Importance of People in Business 28:09 Navigating the UK Market Landscape 30:11 Passions Beyond Business: Sailing and Yachts 31:27 Involvement with HMS Victory 33:46 Qualities of a Good Board Member 35:31 Reflecting on Career Achievements 37:25 Advice for the Younger Generation 38:41 Recommended Reads and Final Thoughts If you like this episode, please let us know by subscribing for future company reviews and insightful conversations about the markets, personal finance, portfolio management and stock analysis. Hope you enjoy this episode and have a wonderful day. Links & Resources: Visit Downing Fund Managers here: Follow Downing on X/Twitter @downingllp: Investors reading and watch list for the long-term investor: Visit Fund Your Retirement: Follow FYR on Twitter: Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions. /episode/index/show/fundyourretirement/id/35202405

ILT010 Conversation with Claire Milverton, CEO of AIM listed 1spatial (S2 EP02) 12/28/2024

ILT010 Conversation with Claire Milverton, CEO of AIM listed 1spatial (S2 EP02) In this episode of 'Investing for the Long Term' Season 2, hosts Judith Mackenzie and Rosemary Banyard are joined by Claire Milverton, CEO of 1spatial, an AIM-listed geospatial technology company based in Cambridge. Claire discusses 1spatial's innovative solutions in location data management, her career journey, and the unique challenges and opportunities of leading a global business in the geospatial sector. The episode also delves into the importance of data accuracy, the transition from finance to CEO, and the future prospects of 1spatial. The conversation provides valuable insights into investment considerations and the evolving landscape of geospatial technology. Timestamps: 00:30 Introducing Claire Milverton, CEO of 1spatial 01:19 Background on 1spatial 02:15 Claire's Career Journey 03:42 Global Reach and Growth 04:05 Building Recurring Revenues 05:40 Challenges and Innovations 14:37 Finance Background and CEO Role 17:14 Investing in Innovation 19:03 Mentorship and Support 21:08 Work-Life Balance 23:06 Being a Listed Company 28:17 Achievements and Advice 31:39 Recommended Books and Podcasts If you like this episode, please let us know by subscribing for future company reviews and insightful conversations about the markets, personal finance, portfolio management and stock analysis. Hope you enjoy this episode and have a wonderful day. Links & Resources: Visit Downing Fund Managers here: Follow Downing on X/Twitter @downingllp: Investors reading and watch list for the long-term investor: Visit Fund Your Retirement: Follow FYR on Twitter: Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions. /episode/index/show/fundyourretirement/id/34636915

ILT009 Insights from a Fund Management Legend, Andy Brough (Season 2 EP01) 11/24/2024

FYR076 The Art of Selecting Fund Managers with Simon Evan-Cook 07/07/2024

FYR076 The Art of Selecting Fund Managers with Simon Evan-Cook In this episode of the 'Fund Your Retirement Podcast,' host Lee interviews Simon Evan-Cook, a multi-asset fund of funds manager with over 25 years of experience. Simon shares his journey into fund management, his investment philosophy, and the key principles guiding his strategy, particularly his preference for active fund managers. He discusses the dynamic nature of fund management, how he identifies exceptional fund managers, and the importance of understanding both the art and science behind investing in funds. The conversation also touches on the pros and cons of active versus passive fund management, the impact of fund size on performance, and the emotional challenges investors might face. Simon emphasizes the value of patience, understanding market cycles, and making informed, long-term investment decisions. Timestamps: 01:40 Simon's Journey into Investing 02:50 Discovering the Passion for Fund Management 07:06 Simon's Investment Strategy 12:37 Active vs. Passive Fund Management 20:16 Screening for Fund Managers 20:22 Identifying Extreme Funds 22:54 The Hero's Journey of Funds 25:04 Holding Periods and Fund Manager Longevity 26:26 Challenges of Managing Large Funds 00:05 Understanding Fund Dynamics 31:21 Final Thoughts on Active vs Passive Investing 36:35 Book Recommendations and Closing Remarks If you like the episode, please leave us a review and subscribe for future investor interviews. Hope you enjoy this episode and have a wonderful day. Guest Links & Resources: Visit Simon’s Profile on The Dowing Website Here: Join Simon’s Medium mailing list: Visit Simon’s Billion Dollar Book Club: ? Visit Fund Your Retirement: Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions. /episode/index/show/fundyourretirement/id/32029552

ILT008 A Day in the Life of a Fund Manager: Season Finale Insights from Judith Mackenzie & Rosemary Banyard | Part 8 06/23/2024

ILT008 A Day in the Life of a Fund Manager: Season Finale Insights from Judith Mackenzie & Rosemary Banyard | Part 8 In the final episode of the season, Judith and Rosemary delve into the intricacies of a day in the life of a fund manager. They discuss their roles and responsibilities, which include selecting and monitoring investments, communicating with shareholders, and dealing with regulatory requirements. They share insights into their typical weeks, which vary greatly and can be unpredictable due to market announcements. The episode also highlights the challenges posed by regulatory demands and the importance of long-term investment. The managers reflect on their most rewarding moments, their involvement in additional commitments such as charities, and provide advice for aspiring fund managers. The episode concludes with book and show recommendations. Timestamps: 01:24 Roles and Responsibilities of a Fund Manager 04:08 Weekly Routine and Unexpected Challenges 04:33 Research and Communication 06:44 Regulatory Demands and Governance 12:23 Working from Home and Travel 14:31 Advice for Aspiring Fund Managers 15:21 Challenges and Frustrations 18:52 Proudest Moments and Giving Back 23:53 Career Path and Opportunities 27:16 Book and Podcast Recommendations 31:30 Conclusion and Season Wrap-Up Hope you enjoy this episode and have a wonderful day. If you like this episode, please let us know by subscribing for future company reviews and insightful conversations about the markets, personal finance, portfolio management and stock analysis. Links & Resources: Visit Downing Fund Managers here: Follow Downing on X/Twitter @downingllp: Vassal States by Angus Hanton: Investors reading and watch list for the long-term investor: Visit Fund Your Retirement: Follow FYR on Twitter: Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions. /episode/index/show/fundyourretirement/id/31847447

IRT007 Investors Round Table Discusses Interest Rates & the Investment Potential of Property Franchise Group (TPFG), Macfarlane Group (MACF) & Van Elle Holdings (VANL) 05/19/2024

ILT007 How Judith & Rosemary Construct & Manage Their Investment Portfolios | Part 7 05/12/2024

ILT007 How Judith & Rosemary Construct & Manage Their Investment Portfolios | Part 7 In part seven of this investing eight-part series, Judith Mackenzie and Rosemary Banyard discuss how they construct a portfolio of stocks and how they manage them. Key topics covered: · What is portfolio construction and portfolio management? · What types of risks should investors think about when constructing a portfolio of stocks? · How do Judith and Rosmary diversify risk across the stocks they own? · What tools or software do they use to aid them in managing their investment portfolios? Each episode of this now eight-part series builds on the next as they walk you through an investor's journey. If you have ever wondered what a fund manager does, how they think, the types of investments they look for and what led them to pursue careers in finance and investing? Then you’re in the right place, join Judith and Rosemary as they peel back the veil and share their guiding principles and experiences from careers spanning multiple decades in the finance industry as investment fund managers. In the previous episode, Judith, and Rosemary share the highs and lows of meetings with company management, red flags to look out for and their views on annual general meetings. Timestamps: 2:05 Judith and Rosemary share what is portfolio construction and portfolio management. 5:10 What are the key parameters one would need to consider when constructing a portfolio of stocks. 13:10 What are the risks investors should consider when constructing a portfolio of stocks. 17:50 How Judith and Rosemary asses the different weightings of the stocks they own. 23:00 What position size do they use when making their first investment. 25:00 Things to consider when it comes to thinking about sectors when constructing a portfolio of stocks. 29:40 Do Judith and Rosemary use price targets? 32:40 Do Judith and Rosemary have teams that support them in managing their investment portfolios. 34:20 How do Judith and Rosemary manage their thoughts when they are about to push that button. 36:30 What are the constraints to portfolio construction and management? 40:30 Closing thoughts and wrap up. Hope you enjoy this episode and have a wonderful day. The FYR Team If you like this episode, please let us know by subscribing for future company reviews and insightful conversations about the markets, personal finance, portfolio management and stock analysis. Links & Resources: Visit Downing Fund Managers here: Follow Downing on X/Twitter @downingllp: Investors reading and watch list for the long-term investor: Visit Fund Your Retirement: Follow FYR on Twitter: Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions. /episode/index/show/fundyourretirement/id/31228142

IRT006 Investors Round Table Discusses the Investment Potential of Money Supermarket (MONY), Ramsdens (RFX), Polar Capital (POLAR), Ashmore (ASHM) and Premier Miton Group (PMI) 04/21/2024

ILT006 Memorable Meetings with Company Management & AGMs with Judith Mackenzie & Rosemary Banyard | Part 6 04/07/2024

ILT006 Memorable Meetings with Company Management & AGMs with Judith Mackenzie & Rosemary Banyard | Part 6 In part six of this investing eight-part series, Judith Mackenzie and Rosemary Banyard share the highs and lows of meetings with company management, red flags to look out for and their views on annual general meetings, more commonly known as AGM’s. Key topics covered: How important are AGMs in your analysis of companies - do either of you attend AGMs? Voting, is it important? What do you tend to vote against? Have you any memorable experiences with management that stand out, good and bad? What red flags put you off management? Each episode of this now eight-part series builds on the next as they walk you through an investor's journey. If you have ever wondered what a fund manager does, how they think, the types of investments they look for and what led them to pursue careers in finance and investing? Then you’re in the right place, join Judith and Rosemary as they peel back the veil and share their guiding principles and experiences from careers spanning multiple decades in the finance industry as investment fund managers. Timestamps: 1:40 Judith and Rosemary explain what an AGM is. 3:30 Re-election of directors for listed companies. 5:30 Voting at AGMs and what do Judith and Rosemary vote against. 9:15 Judith and Rosemary's thoughts on AGMs. 12:50 Memorable meetings with company management. 17:30 What characteristics make a good CEO, MD or founder? 24:45 Thoughts on family-led companies. 28:00 Final thoughts and two worthwhile books to read. Hope you enjoy this episode and have a wonderful day. The FYR Team If you like this episode, please let us know by subscribing for future company reviews and insightful conversations about the markets, personal finance, portfolio management and stock analysis. Links & Resources: Visit Downing Fund Managers here: Follow Dowing on X/Twitter @downingllp: Investors reading and watch list for the long-term investor: Next annual reports: https://www.nextplc.co.uk/investors/reports-and-presentations/archive Visit Fund Your Retirement: Follow FYR on Twitter: Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions. /episode/index/show/fundyourretirement/id/30686083

IRT005 Investors Round Table Discusses Next, Burberry, National World & Airea 03/31/2024

ILT005 Our Best and Worst Performers with Judith Mackenzie & Rosemary Banyard | Part 5 03/02/2024

ILT005 Our Best and Worst Performers with Judith Mackenzie & Rosemary Banyard | Part 5 In part five of this ever-growing eight-part series, Judith Mackenzie and Rosemary Banyard share the highs and lows of a fund manager's investments as they each break down the investments that performed better than expected and the investments that didn’t work out as they expected resulting in total loss of capital. Key topics covered: · Discussing the companies that didn’t work out, as well as they expected. · Discussing the companies that exceeded their expectations? · This was another great insight into how two seasoned fund managers think and how they view investing for the long term. Each episode of this now eight-part series builds on the next as they walk you through an investor's journey. If you have ever wondered what a fund manager does, how they think, the types of investments they look for and what led them to pursue careers in finance and investing? Then you’re in the right place, join Judith and Rosemary as they peel back the veil and share their guiding principles and experiences from careers spanning multiple decades in the finance industry as investment fund managers. In the previous episode, Judith and Rosemary shared how to cultivate the mindset of a long-term investor including their experiences of investing through recessions. Timestamps: 2:00 Judith shares an investment that resulted in a total loss of capital and the reasons why. 9:45 Rosemary shares an investment that went out of business and the reasons why. 15:45 Judith shares a company that has performed exceptionally and the reasons why. 22:30 Rosemary shares a company that is performing well for her now and the reasons why. Hope you enjoy this episode and have a wonderful day. The FYR Team If you like this episode, please let us know by subscribing for future company reviews and insightful conversations about the markets, personal finance, portfolio management and stock analysis. Links & Resources: Visit Downing Fund Managers here: Follow Dowing on X/Twitter @downingllp: Investors reading and watch list for the long-term investor: Colossus podcast network: The Map That Changed The World: Visit Fund Your Retirement: Follow FYR on Twitter: Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions. /episode/index/show/fundyourretirement/id/30187488

IRT004 | Investors Round Table Discusses Hargreaves Lansdown, Plus500, Jet2 & Close Brothers 02/25/2024

TFA006 Paul Johnson on Pensions, Ageing Population & Government Spending 02/18/2024

TFA006 Paul Johnson on Pensions, Ageing Population & Government Spending In today’s episode director of the Institute for Fiscal Studies Paul Johnson shares the true cost of running Britain. Paul explores taxes, pensions including auto-enrollment, the ageing population, and the future of the state pension. Paul is perhaps one the UK's known economists, a regular on BBC Radio 4, and writes a column for the Times Newspaper. He is also a published author with a Times bestseller Follow the Money, How Much Does Britain Cost. Key topics discussed: · Are we receiving good value for our taxes? · Will our taxes keep on rising? · Should we just tax the rich? · Is growth the answer, or raising taxes? · How much does the state pension cost? · Does auto-enrollment solve the problem of funding one's retirement? · Does the risk measurement process need an overhaul? Timestamps: 1:30 Paul Johnson’s journey and career so far. 3:15 Holding the government to account. 4:00 How much the government spends? 6:15 Where does the government get its money from? 7:45 What are the big three expenses for the government finances? 11:05 Are we getting good value for money? 15:00 Will taxes keep on rising? 16:15 Can we tax the rich more? 19:10 Is growth a better option than raising taxes? 22:00 Should defined benefit pensions invest more in equities? 23:14 Overhauling defined benefit default funds. 25:30 Does the pension system need an overhaul? 26:40 Is the state pension sustainable? 28:00 Has auto-enrollment been a success? 32:00 Closing thoughts and wrap up. If you like this episode, please let us know by subscribing for future company reviews and insightful conversations about portfolio management and stock analysis. Links & Guest Resources: Buy Paul’s book, Follow The Money Here: Institute for Fiscal Studies website: Pauls blog page on the IFS website: Fundamental Asset Management website: Follow Fundamental Asset on Twitter: Connect with Chris on LinkedIn: Visit FYR For More Investor Related Podcasts: Follow FYR on Twitter: Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions. /episode/index/show/fundyourretirement/id/29997523

IRT003 | Investors Round Table Discusses Company Accounts, Supreme, H&T, Henry Boot, Airea & Much More 02/03/2024

ILT004 Investor Psychology & Investing Through Recessions with Judith Mackenzie & Rosemary Banyard | Part 4 01/13/2024

ILT004 Investor Psychology & Investing Through Recessions with Judith Mackenzie & Rosemary Banyard | Part 4 In part four of this now seven-part series, Judith Mackenzie and Rosemary Banyard discuss the importance of investor psychology, and investing through recessions, including how you can cultivate the mindset of a long term investor. Key topics covered: · The personality characteristics of someone who thinks and invests for the long term. · Investing through the tech bubble. · Investing through the financial crisis of 08. · Launching a fund in the middle of Covid-19. · How Judith and Rosemary tune out of the noise. · How to cultivate a mindset of someone who can hold investments through recessions. This was another great insight into how two seasoned fund managers think and how they view investing for the long term. Each episode of this six-part series builds on the next as they walk you through an investor's journey. So, If you have ever wondered what a fund manager does, how they think, the types of investments they look for and what led them to pursue careers in finance and investing? Then you’re in the right place, join Judith and Rosemary as they peel back the veil and share their guiding principles and experiences from careers spanning multiple decades in the finance industry as investment fund managers. Timestamps: 2:00 Characteristics and personality traits of someone who thinks long term. 6:15 Clarifying how long is long term when it comes to investing. 9:15 How Judith and Rosemary ignore the noise. 11:30 Holding investments through recessions and drawdowns. 14:45 Investing through the tech bubble. 21:30 Investing through the financial crisis on 08. 25:30 Investing and launching a fund in the middle of Covid-19. 28:15 Developing the mentality to invest through a recession and hold for the long term. Hope you enjoy this episode and have a wonderful day. The FYR Team If you like this episode, please let us know by subscribing for future company reviews and insightful conversations about the markets, personal finance, portfolio management and stock analysis. Links & Resources: Visit Downing Fund Managers here: Follow Downing on X/Twitter @downingllp: Investors reading and watch list for the long-term investor: Russel Investments behavioural bias article: Visit Fund Your Retirement: Follow FYR on Twitter: Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions. /episode/index/show/fundyourretirement/id/29470508

TFA005 Your Pension Money, Jeremy Hunt’s Mansion House Speech, Stock Market News with Chris Boxall 01/06/2024

TFA005 Your Pension Money, Jeremy Hunt’s Mansion House Speech, Stock Market News with Chris Boxall Today’s episode is the start of a new podcast series discussing where your pension money is going starting with the recent proposals by Jeremy Hunt at the Mansion House speech. Should pension savers and private investors be concerned about this proposal to direct billions of pension money towards UK small caps and unlisted companies? What will it mean for pension savers and private investors? Will these proposed billions lead to a bubble in small caps and unlisted companies with the inevitable crash, or will it lead to a whole host of new yet-to-be-formed companies that pension savers, private investors and UK PLC will benefit from? As always with these types of proposals there will be winners and losers, will it be regular pension savers, private investors, private equity, or UK PLC? Timestamps: 1:30 UK stock market news 3:00 New company listings on the stock market. 4:15 What potential impacts will the mansion house speech have on UK small caps? 6:45 What does Jeremy Hunt mean when he says high-growth unlisted companies? 8:45 Who will be the primary beneficiaries of this proposal? 12:00 Will an extra £50 billion entering this niche area create a bubble? 15:15 Why are more companies going private than ever before? 17:30 What does the CEO of the Canadian pension board think of this proposal? 20:15 Would tax breaks be a better option? If you like this episode, please let us know by subscribing for future company reviews and insightful conversations about portfolio management and stock analysis. Resources: Fundamental Asset Management website: Fundamental Asset Management contact us page: Follow Fundamental Asset on Twitter: Connect with Chris on LinkedIn: Visit FYR For More Investor Related Podcasts: Follow FYR on Twitter: Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions. /episode/index/show/fundyourretirement/id/29365978

FYR075 | Ed Croft, Stock Picking, Stockopedia, Portfolio Management and Finding The Next Multibagger 12/30/2023

FYR075 | Ed Croft, Stock Picking, Stockopedia, Portfolio Management and Finding The Next Multibagger Ed Croft is the co-founder and CEO of Stockopedia whose goal is to help private investors beat the market. Ed began his career with Goldman Sachs as a wealth manager before leaving to manage his family funds leading launch of Stockopedia in 2012. Key topics: · What is a multibagger. · What creates a multibagger. · How you can find companies with these long-term qualities today. · Portfolio and risk management. · Why Ed is optimistic about the UK stock market. · Why Ed’s investing style has gone full circle back to being more of a stock picker. · What Ed learned going through a 60% drawdown during the financial crisis. Ed shares in great detail the metrics that drive long-term compounding in companies, including how you can find those companies today. // Register for the FREE trial and gain access to the three extra masterclass videos, Just go to: https://www.stockopedia.com/?utm_source=fundyourretirement&utm_medium=podcast Timestamps: 1:30 How Ed got started as an investor and his journey so far. 4:00 Ed sharing what is a multibagger. 5:30 Why Ed and the Stockopeda team decided to carry out the research into stocks that multibag. 7:45 What surprised Ed the most? 9:00 The financial characteristics that drive long-term compounding companies. 11:35 The qualitative aspects that drive long-term compounding companies. 15:40 Discussing Ed’s investing style and approach 21:00 Ed sharing his experience of a 60% drawdown and discussing drawdowns in general. 25:20 Ed sharing his market timing strategy. 29:00 Ed sharing how you use this knowledge to find stocks that can multibag today. Hope you enjoy this episode and have a wonderful day. The FYR Team If you like this episode, please let us know by subscribing for future interviews and insightful conversations about portfolio management and stock analysis. Guest Links & Resources: Take the FREE two-week trial here: Read the Multibagger report here: Watch the multibagger webinar on the Stockopedia YouTube Channel here: Follow Stockopeida on Twitter here: Visit Fund Your Retirement: Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions. /episode/index/show/fundyourretirement/id/29278558

ILT003 How To Analyse Companies For Long Term Investing with Judith & Rosemary | Part Three 12/03/2023

ILT003 How To Analyse Companies For Long Term Investing with Judith & Rosemary | Part Three In part three of this six-part series, Judith Mackenzie and Rosemary Banyard share how they analyse companies for long term investing. How they go from a universe of thousands of companies to a few hundred and How they go from a few hundred companies to a small watch list. What they look for in a good company. How they analyze company accounts. Their views on management and rumination. Attending AGMs and discussing what a moat is. Red flags to avoid in companies. This was another great insight into how two seasoned fund managers think and how they view investing for the long term. Each episode of this six-part series builds on the next as they walk you through an investor's journey. So, If you have ever wondered what a fund manager does, how they think, the types of investments they look for and what led them to pursue careers in finance and investing? Then you’re in the right place, join Judith and Rosemary as they peel back the veil and share their guiding principles and experiences from careers spanning multiple decades in the finance industry as investment fund managers. Timestamps: 2:05 Rosemary and Judith start right at the beginning; how they go from multiple thousands of companies to just a few hundred to focus on. 9:00 Judith shares what RNS,s (regulatory news services) are and why they are important. 10:40 Rosemary and Judith share how they go from a universe of a few hundred companies to a small watch list. 13:00 Analysing company accounts. 17:15 Discussing what a moat is and how to assess if a company has a moat. 20:50 Looking out for the red flags when analysing companies. 25:10 Discussing the changes Rosemary and Judith have seen over their investing career. 27:45 Attending AGM,s (annual general meetings) of companies. 31:00 Final thoughts on analysing companies from Rosemary and Judith. 33:15 Judith shares her book to read, The Red Notice by Bill Browder. 35:15 Rosemary shares her book to read, Investing for Growth by Terry Smith. Hope you enjoy this episode and have a wonderful day. The FYR Team If you like this episode, please let us know by subscribing for future company reviews and insightful conversations about the markets, personal finance, portfolio management and stock analysis. Links & Resources: Visit Downing Fund Managers here: Follow Dowing on X/Twitter @downingllp: Investors reading and watch list for the long-term investor: Investing for Growth by Terry Smith: Red Notice by Bill Browder: Visit Fund Your Retirement: Follow FYR on Twitter: Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions. /episode/index/show/fundyourretirement/id/28902723

Investors Round Table Discussing Their Worst Investing Mistake & What They Learnt from It 11/18/2023

ILT002 | Finding an Investing Strategy that Suits You, Value vs Growth, Quality Investing, UK vs Global & Investing at IPO, with Judith & Rosemary | Part Two 11/04/2023

ILT002 | Finding an Investing Strategy that Suits You, Value vs Growth, Quality Investing, UK vs Global & Investing at IPO, with Judith & Rosemary | Part Two In part two of this six-part series, Judith Mackenzie and Rosemary Banyard share their investing style and their investment philosophies. They discuss the importance of finding an investing strategy that suits your personality and the resources to help you discover yours. For example, Rosemary shares how her everyday habits fit her investing style as a quality investor. They discuss value investing vs growth investing and share their thoughts on investing at IPO, how dividends fit into their investment philosophy and investing in the UK vs the global market. This was another great insight into how two seasoned fund managers think and how they view investing for the long term. Each episode of this six-part series builds on the next as they walk you through an investor's journey. So, If you have ever wondered what a fund manager does, how they think, the types of investments they look for and what led them to pursue careers in finance and investing? Then you’re in the right place, join Judith and Rosemary as they peel back the veil and share their guiding principles and experiences from careers spanning multiple decades in the finance industry as investment fund managers. Timestamps: 2:00 Judith Mackenzie shares her investing style and investing philosophy. 3:30 Rosemary Banyard shares her investing style and investing philosophy. 5:35 Discovering your investing strategy. 12:20 Discussing value investing vs growth investing. 19:50 Discussing the value of site visits with some interesting examples. 23:20 Discussing small caps vs large caps. 24:40 Discussing investing in UK companies vs global markets. 26:25 Discussing investing at initial public offering (IPO). 30:15 Discussing how dividends fit into their investment strategies. 32:30 Discussing the attributes that make a good investor. 36:00 Reading lists, watch lists, podcasts and a free gift to help you on your investing journey. Hope you enjoy this episode and have a wonderful day. The FYR Team If you like this episode, please let us know by subscribing for future company reviews and insightful conversations about the markets, personal finance, portfolio management and stock analysis. Links & Resources: Visit Downing Fund Managers here: Follow Dowing on X/Twitter @downingllp: Investors reading and watch list for the long-term investor: Visit Fund Your Retirement: Follow FYR on Twitter: Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions. /episode/index/show/fundyourretirement/id/28513172

ILT001 | Investing For The Long Term with Judith & Rosemary: Part One of an Investors Journey 10/01/2023

ILT001 | Investing For The Long Term with Judith & Rosemary: Part One of an Investors Journey Have you ever wondered what a fund manager does, how they think, the types of investments they look for and what led them to pursue careers in finance and investing? Join Judith MacKenzie, Head of Downing Fund Managers and Rosemary Banyard, Fund Manager, as they peel back the veil and share their guiding principles and experiences from careers spanning multiple decades in the finance industry as investment fund managers. In this first part of a six-part series, Judith, and Rosemary share how they got started in finance and some of their experiences as women in finance, both good and not-so-good. They share their biggest influences and why they pursued careers in finance. This was a real insight into two seasoned fund managers and what it was like for them in their early careers during the late 80s and early 90s. They finish off with an introduction to the capital markets and why they are important for the UK economy and how Judith is actively working to help improve the investing landscape for both companies and investors alike. Each episode of this six-part series builds on the next with episode two discussing different investing styles to suit different personalities, small cap vs large cap, investing in the UK vs the global market and much, much more Timestamps: 3:00 Rosemary shares how she got her start in the city. 6:30 Judith shares how she got her start in the city. 10:15 They both share what it was like in thier early careers during the late 80s and early 90s 13:00 Judith and Rosemary each share a story of unconscious biases they have experienced. 15:30 They both share the positives of being women in finance. 19:45 They both share who their early influences were on their lives and careers. 23:45 They both share why they are so passionate about investing and the markets. 30:15 They both share passionately what needs to be done to improve the landscape for British companies and UK PLC 33:15 Jusith shares the book she is currently reading The Everything Blueprint by James Ashton 34:10 Rosemary shares the book she is currently reading an autobiography of Thomas Jefferson by John B. Boles Hope you enjoy this episode and have a wonderful day. The FYR Team If you like this episode, please let us know by subscribing for future company reviews and insightful conversations about the markets, personal finance, portfolio management and stock analysis. Links & Resources: Visit Downing Fund Managers here: Follow Dowing on X/Twitter @downingllp: The Everything Blueprint by James Ashton: Autobiography of Thomas Jefferson by John B. Boles: Visit Fund Your Retirement: Follow FYR on Twitter: Visit Quoted Companies Alliance: Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions. /episode/index/show/fundyourretirement/id/28185602

TFA004 Are UK Shares Cheap Right Now or One of The Worst Places to Invest? 09/16/2023

TFA004 Are UK Shares Cheap Right Now or One of The Worst Places to Invest? Today’s episode is less about individual companies and more about the wider investing concerns around UK PLC and what could be done to help the UK become more attractive for individual investors and more attractive for companies to list here. Chris covers a wide range of concerns and solutions that could help improve conditions for investors, and the companies that list here. Other key topics discussed: · Are UK shares cheap right now or one of the worst places to invest? · What can investors and the UK government do to improve conditions? · The changing nature of AIM over the last 10 years · How to become a better analyst · Solutions to encouraging more companies to list. Timestamps: 1:15 Discussing whether UK shares are cheap right now or one of the worst places to invest. 3:15 Using British American Tobacco (BATS) as an example of a company that could do more. 5:50 Could the UK government do more to foster UK-focused investment? 6:45 Discussing Abcam (ABCM) leaving AIM, and what could be done to encourage companies to stay listed in the UK. 11:45 How to become a better analyst. 15:00 How to cultivate patience. 17:15 The rise of passive investing. 19:00 Discussing inheritance tax breaks and tax incentives to help encourage companies to list. 21:35 Closing thoughts and an invite for founder-led companies or long-term CEOs to get in touch and share their journey/story on the podcast. If you like this episode, please let us know by subscribing for future company reviews and insightful conversations about portfolio management and stock analysis. Resources: Fundamental Asset Management website: Fundamental Asset Management contact us page: Follow Fundamental Asset on Twitter: Connect with Chris on LinkedIn: Visit FYR For More Investor Related Podcasts: Follow FYR on Twitter: Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions. /episode/index/show/fundyourretirement/id/28033383

FYR074 | Graham Neary on Running a Concentrated Portfolio, UK vs US, Averaging Down, & Fixed Income 09/09/2023

FYR074 | Graham Neary on Running a Concentrated Portfolio, UK vs US, Averaging Down, & Fixed Income Graham Neary is a full-time private investor, and an investment analyst for Stockopedia writing the Small Cap Value Report along with Paul Scott. Graham is also the founder of the Investors Institute where he helps private investors navigate the markets and upgrade their investing IQ. Graham began his career on the sell-side as a fixed-income analyst, before moving into the buy-side as an equity portfolio manager. Timestamps: 1:95 Graham Neary’s investing journey and how he got started. 4:45 Graham's investment approach and style. 7:05 The key metrics Graham looks for in a good company. 9:10 Graham's largest holding and why he holds it. 11:45 Discussing Graham's portfolio, and Graham's investing universe. 14:30 Discussing Graham’s thoughts on AGM’s 16:25 Discussing Graham’s worst performers and what he learnt from them. 20:45 Graham's thoughts on stop losses. 22:40 Graham's thoughts on averaging down. 26:00 Discussing Graham's writings and the enjoyment he receives from that. 27:45 Graham sharing his thoughts on Nichols (NICL) 31:25 Discussing fixed income. 33:30 Dissuning where to get started investing if you’re new or just starting. Hope you enjoy this episode and have a wonderful day. The FYR Team If you like this episode, please let us know by subscribing for future company reviews and insightful conversations about portfolio management and stock analysis. Guest Links & Resources: Follow Graham on Twitter @GrahamNeary Grahams Investors Intiture Newsletter: Visit Fund Your Retirement: Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions. /episode/index/show/fundyourretirement/id/27972300

FYR073 | 303% Return vs FTSE All share of 125%, Dividends, Stop Losses & Getting Started with John Rosier 07/23/2023

FYR073 | 303% Return vs FTSE All share of 125%, Dividends, Stop Losses & Getting Started with John Rosier John Rosier is a former city fund manager turned esteemed financial writer who runs the model portfolio. The JIC Portfolio which John started in 2012 has returned 303% vs, the FTSE all share of 125% over the same period. During this episode, John shares: His investing philosophy and approach. the value of keeping a detailed investment diary. What he’s been adding to his portfolios in recent months. Back testing stop losses and when is a good time to sell? John discusses the importance of dividends, which have grown from £2,000 a year to a projected £29,000. Finally, John shares what he would say to those who are just getting started. Timestamps: 1:20 When and how John started his investing journey. 3:40 The type of investor John is today, his investment philosophy and approach. 6:00 Discussing John’s model portfolio, how it started, the returns and the role dividends play in that. 10:15 John's 10 biggest contributors in terms of monetary gain. 15:45 Discussing some of John’s biggest losers in the model portfolio. 18:10 Discussing the use of stop losses and when is the right time to sell. 23:10 John shares why keeping a diary helps with discipline. 25:45 John shares what he would say to those just getting started. 28:45 Closing thoughts and where you can follow and connect with John Hope you enjoy this episode and have a wonderful day. The FYR Team If you like this episode, please let us know by subscribing for future company reviews and insightful conversations about portfolio management and stock analysis. Guest Links & Resources: Visit John Rosier’s website and the JIC model portfolio here: Follow John on Twitter here: John’s articles on the Investors Chronicle: Visit Fund Your Retirement: Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions. /episode/index/show/fundyourretirement/id/27540174

TFA003 Success Stories, Clean Reporting, Patient Investing & Acquisitions |Chris Boxall 07/08/2023

TFA003 Success Stories, Clean Reporting, Patient Investing & Acquisitions |Chris Boxall Chris Boxall discusses three recent success stories: Castings (CGS), with squeaky clean reporting and a nice dividend. Kooth (KOO), wins a big contract with the state of California and Kitwave (KITW) just keeps going from strength to strength. In a sea of constant negativity, there are some shining lights. In contrast at the other end of the scale, Chris discusses Marlowe (MRL) and Gooch & Housego (GHH) who have been on an acquisition bonanza of late. These acquisitions haven’t worked out as the management would have hoped but may do in time. Chris has been doing some deep research into Marlowe (MRL) and shares some of those insights in this conversation. Chris finishes by sharing how he creates an internal and external environment that enables him to invest patiently. Key topics covered: Castings (CGS), squeaky clean accounts with a nice dividend Kooth (KOO), wins a big contract win with the state of California Kitwave (KITW) just keeps going from strength to strength When acquisitions go bad; discussing Marlowe (MRL) and Gooch & Housego (GHH) Creating an internal and external environment for patient investing Timestamps: 1:20 Castings (CGS). 2:45 Kooth (KOO). 4:40 Kiwave (KITW). 6:05 Marlowe (MRL). 9:00 Gooch & Housego (GHH). 11:20 Acquisitions; do they always make sense? 13:00 The importance of having skin in the game. 14:45 The need for patience when investing. 20:05 The importance of cash flow for a company. 21:10 Wrap up. Thank you for listening, we hoped you enjoyed the episode. If you like this episode, please let us know by subscribing for future company reviews and insightful conversations about portfolio management and stock analysis. Resources: Fundamental Asset Management website: Fundamental Asset Management contact us page: Follow Fundamental Asset on Twitter: Connect with Chris on LinkedIn: Visit FYR For More Investor Related Podcasts: Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions. /episode/index/show/fundyourretirement/id/27406284

FYR072 Investing in Quality Businesses, Investor Red Flags and When to Cut | Rosemary Banyard 06/27/2023

FYR072 Investing in Quality Businesses, Investor Red Flags and When to Cut | Rosemary Banyard Rosemary Banyard is an award-winning fund manager specialising in UK medium and smaller companies with over 30 years of experience in understanding business models, industry structures, barriers to entry, and risks, on both the buy and sell side. Rosemary started her career in 1979 at James Capel as a senior investment analyst where she spent 12 years. Rosemary then moved into fund management starting at AIB Govett asset management before moving on to Schroders where she spent almost 20 years running a smaller companies Fund with Andy Brough. In 2016 she joined Sanford DeLand to launch and manage the Free Spirit Fund. The Schroder UK Mid Cap trust returned 17%* p.a. while she was manager and in her two and a half years managing money at Sanford DeLand the Free Spirit Fund returned 31%. Rosemary joined Downing in March 2020 to launch the VT Downing Unique Opportunities Fund. Rosemary talks about her investing journey and how it has evolved over the years from investing in quality businesses to sharing some of her best investments and some not so good. Rosemary shares her guiding principles, Investor red flags to look out for in company accounts and of course much, much more. Timestamps: 1:45 Rosemary’s investing journey starting at the beginning. 7:00 Rosemary shares her overarching investing strategy and how that has evolved over time. 9:15 Discussing UK software company Kainos Group PLC (KNOS). 14:40 Discussing UK software company Alfa Financial Software Holdings PLC (ALFA). 18:00 Discussing James Fisher & Sons PLC (FSJ). 20:45 Discussing when to cut and investor red flags to look out for. 26:10 Discussing the differences between a fund manager and a private investor. 28:15 Does Rosemary feel any pressure from time to time? 29:30 What makes a good investor? 31:40 Rosemary’s essential reading for investors. Hope you enjoy this episode and have a wonderful day. The FYR Team If you like this episode, please let us know by subscribing for future company reviews and insightful conversations about portfolio management and stock analysis. Guest Links & Resources: Visit Rosemarys Profile on The Dowing Website Here: Visit Fund Your Retirement: Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions. /episode/index/show/fundyourretirement/id/27290568

FYR071 UK Macro View, Stock Analysis & Timing | Neil Shah Director of Research at Edison Group 06/15/2023

FYR071 UK Macro View, Stock Analysis & Timing | Neil Shah Director of Research at Edison Group Neil was a fantastic guest sharing many valuable insights that would benefit the experienced investor and the new investor. During this conversation, Neil shares the macro view of the UK stock market, including insights from Neil’s extensive network of fund managers. Neil Shah is the director of research at Edison Group, an investment research and advisory company with over 80 investment analysts spanning the globe. Neil shares some of the best and some of the worst performers from Edison’s model portfolio the illuminator that has returned over %1300 since its inception in 2008. Neil discusses the key metrics his team looks for before adding or removing a company from the portfolio and how he improves those analytical skills over time. He gives an in-depth review of what Edison research does and how this benefits the wider investor community. Timestamps: 1:35 Neil’s background and journey. 2:50 The macro view of the UK share market with a 6 to 12-month outlook. 5:30 Companies being taken out and spotting value in the UK share market. 7:30 Discussing the illuminator model portfolio's best and worst performers and its %1300+ gain. 11:20 Discussing having a concentrated portfolio vs a diversified portfolio. 14:15 Neil discusses the latest addition to the illuminator model portfolio. 16:15 Improving your skills as a stock analyst starting with the basics. 22:10 What does Edison Research do? 28:15 Closing thoughts and wrap up. Hope you enjoy this episode and have a wonderful day. The FYR Team. If you like this episode, please let us know by subscribing for future company reviews and insightful conversations about portfolio management and stock analysis. Guest Links & Resources: Visit Edison Research Group: Edison Twitter Profile: Edison LinkedIn Profile: Visit Fund Your Retirement: Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions. /episode/index/show/fundyourretirement/id/27161373

TFA002 Chris Boxall: Three UK-micro Caps To Watch 06/03/2023

TFA002 Chris Boxall: Three UK-micro Caps To Watch Chris Boxall discusses three UK small-caps Anexo (ANX), Time Finance (TIME), and PCI-PAL (PCIP) to keep a close eye on. All three companies are growing but have areas of concern that are holding the share price back; if they were to resolve these areas of concern, these three companies would become much more attractive. Chris also shares some red flags to look for when analysing companies such as the Relevance/Significance of senior management remuneration for small caps. Company example Character Group (CCT) which also updated recently. Large companies get the headlines, but, in terms of shareholder return, it’s actually far more relevant for small caps, management needs to paid to arrive, not to travel! Key topics covered: The latest inheritance tax news. Small caps, Anexo (ANX), Time Finance (TIME), PCI-PAL (PCIP) and Volvere (VLE). Red flags for investors to look out for. Big contracts for small companies – can they execute and deliver? Company examples are Eneraqua Technologies (ETP) and SRT Marine Systems (SRT) The significance of senior management remuneration packages for small caps. Timestamps: 1:00 Discussing the latest inheritance tax news (IHT). 3:35 Discussing Anexo (ANX). 7:35 Chris thoughts on EBITDA and the use of adjusted EBITDA. 8:45 Discussing Time Finance (TIME). 10:10 Discussing PCI-PAL (PCIP). 11:30 Discussing the significance of senior management remuneration packages. 16:15 Discussing big contracts for small companies and whether they can deliver. 18:35 Closing thoughts and wrap up. Thank you for listening, we hoped you enjoyed the episode. If you like this episode, please let us know by subscribing for future company reviews and insightful conversations about portfolio management and stock analysis. FYR & Chris Boxall Resources: Fundamental Asset Management website: Fundamental Asset Management contact us page: Follow Fundamental Asset on Twitter: Connect with Chris on LinkedIn: Visit FYR For More Investor Related Podcasts: Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions. /episode/index/show/fundyourretirement/id/27033186

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