The stock market has been rough in 2025. Both the US stock market and global stock market are down heavily since the beginning of 2025.Time to panic? I don't think so.As we go through in this episode, the big mistake that people often make at these uncertain moments is panic selling. We need to avoid that. Not just because it is impossible to 'time' when to get back into the markets, but also because the historical data backs up that these types of falls happen regularly in the stock market. And these falls might even be a good thing if you're a long term investor...What am I doing? Not panic selling, continuing to hold my investments and continuing to invest.What should you do? During this episode I share the 4 things that you should do - right now - in my opinion.

Listen to the episode for the full details.

0:52 - What's the damage so far?

3:12 - Stock market crash stats from history

5:51 - The big mistake people make

7:17 - My losses & why this could be good

10:14 - Why do optimists win?

13:04 - What should you do?

15:05 - Summary

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Alex from @wealthbyAlex joins me on this episode of the podcast to discuss all things pension. This episode really is a 'crash course' in absolutely everything that you need to know about pensions.

Alex is extremely knowledgeable on pensions and if you have any type of pension then this episode will be extremely helpful to allow you to cut through the noise and jargon surrounding pensions.

Pensions are often misunderstood, but they are one of the best (if not the best) ways to grow our wealth and then retire one day.

In this episode we discuss the state pension, defined benefit pensions (DB) and defined contribution pensions (DC). On this last one, these DC pensions include both workplace pensions and SIPPs (self invested personal pensions).

We ran through common misconceptions, how to make the most of your pensions, when to consider switching platforms, fees, funds, and a lot, lot more (timestamps below).

Listen to the episode for the full details.

0:00 - What is a pension

3:02 - The 3 types of pension

7:27 - Defined benefit (DB) pensions

13:32 - How does a workplace pension work

23:00 - Common pension misconceptions

25:30 - Making the most of your workplace pension

32:30 - SIPPs (private/personal pension)

37:26 - Moving workplace pension to a SIPP

45:32 - Limited companies and pensions

46:51 - Stocks & Shares ISAs vs Pensions

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📕 Get my book Stop Waiting, Start Investing - https://linktr.ee/makingmoneysimple1

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If you would like to get involved in one of my 4-week investing workshops, get in touch and I can let you know when the next one is kicking off.

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Will the stock market crash? If so, when will it happen? When it does happen, when will the bottom be? And when will it bounce back to a new high?

These are all great questions that we discuss in this podcast episode.

Spoiler alert though - I have no idea. And no one else does either.

'Timing the market' is impossible.

Whilst the stock market is currently 'high', it could go even higher. Or there could go a massive crash tomorrow. Unfortunately no one knows.

Timing the highs and lows are almost impossible and missing just a few of the best days in the market could reduce your returns greatly.

As we discuss in the episode, a stock market crash is a matter of WHEN, not IF. The stock market will crash - 100%. If we look back at history, there are regular dips, corrections and crashes. However, it is impossible to predict this WHEN.

Hopefully this episode can help to provide some comfort to long term investors.

Listen to the episode for the full details.

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📕 Get my book Stop Waiting, Start Investing - https://linktr.ee/makingmoneysimple1

💻 My website - https://makingmoneysimple.co.uk

If you would like to get involved in one of my 4-week investing workshops, get in touch and I can let you know when the next one is kicking off.

📰 Sign up to my newsletter -⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://makingmoneysimple.co.uk/Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/

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