The Savvy Wallet with Ato Jay

In this week’s episode we have the founder of PensionCraft, Ramin Nakisa, who also was a strategist for 12 years at a Swiss investment bank.

In this episode we discuss:

– 2 Investments To Build and Grow Your Wealth In 2025

– Lessons from 15 Years in Investment Banking

– How Investment Banks Make Money

– The Psychology of Investing

– Steps to make your first investment today

– ETFs vs Index Funds

– Should You Invest In Global Index Funds and much more

*CORRECTION: I said at 1:07:06 that 3% of the population have a stocks and shares isa it’s approximately about 6%. Apologies for that error

🔗 Connect with Ramin:

https://www.youtube.com/@Pensioncraft

https://pensioncraft.com

📩 Sign up to my mailing list to be the first to know about upcoming events:

http://eepurl.com/hJEcLL

🤝Sponsor

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Spotify: https://open.spotify.com/show/140VU4fM9sSNMUtjbAJgzH

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When investing, your capital is at risk. Tax treatment depends on your individual circumstances and regulations which may change. Other fees may apply.

TIMESTAMPS

00:00 – Preview

01:11 – Intro

01:47 – Meet Investing Expert & PensionCraft Founder Ramin Nakisa

05:41 – Working in a Swiss investment bank 

08:40 – Yesim Ad

10:12 – How do investment banks make their money?

15:23 – How the investment banking industry impacts you

17:23 – Sophisticated investors don’t have complex investment portfolios

18:20 – 15 years of lessons in investment banking 

21:01 – Tide Ad

24:21 – Even if you don’t borrow, interest rates affects you! 

25:50 – What really is investing? 

27:54 – What is risk free premium?

31:06 – What is an equity?

32:35 – How is a bond different to an equity?

36:54 – Why is it important to invest ?

37:22 – This is the first step to investing

42:34 – When is the right time to sell your investments? 

45:52 – The psychology of investing

50:42 – How to overcome the fear of the stock market crashing 

56:21 – You need to work out your risk capacity & risk appetite 

58:30 – How to be a more disciplined investor

01:01:17 – How to overcome the fear of investing?

01:02:32 – Steps to make your first investment today? 

01:08:00 – Make your child a Pension Millionaire

01:09:27 – The 4% rule 

01:11:10 – You only need 3 investments!

01:12:57 – Pitfalls for newer investors to avoid! 

01:14:41 – How to figure out what global fund to go for?

01:20:03 – Should you still invest in global index funds?

01:24:02 – Why is it so hard to beat the stock market?

01:30:44 – The benefits of investing in a global index fund 

01:34:22 – Risks to investing? 

01:35:27 – Key lessons from investing and working an investment banking 

01:37:12 – Why I invested in crypto 

01:40:36 – How Pension craft helps you

01:43:10 – Final words

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