Martin generally gives great advice but his guidance on long-term savings is out of touch. If you want to put £50K away for ten years, the best bet by far is to invest it in a global tracker fund via a Stocks and Shares ISA. Yes there is an element of risk but ten years is long enough to ride out the bumps. The only real challenge is not to react when markets fall.

At the very least Martin should say he’s not allowed to give investing advice but point people in the direction of regulated advice on stocks and shares ISAs, rather than ignoring them.

I have just got the Barclaycard for use in europe. It should save a few quid on fees etc.

Energy companies are horrendous! I had to email Eon saying they held my money "in credit" for a year and a half. I asked them when do I expect a refund as it has been this long and truthfully they are holding my money and should pay interest on top!

Stocks and shares ISA into the s&P500 is going to get you the best return

"Research confirms that people do in fact spend more money - often, substantially more money - when they make purchases on a credit card instead of using cash." My question for Martin is - Why do you tell people on low incomes to use credit cards 'for the points', when all research shows that people tend to spend more when using credit vs their own cash, and most people do NOT pay the cards off each month, even though they might intend to. Shouldn't a responsible 'financial guru' be telling people on low incomes NOT to use credit cards, at all? This is a rhetorical question, because the answer I feel is self-evident.

For the question about £50k. If the lady puts it into a SIPP, or specifically puts 48k in, the government will uplift this to £60k with tax relief (60k the maximum). That return is 25% guaranteed year one, which out performs any cash isa. If she puts it in a low cost index fund like an s&p500 tracker, that fund averages over 10% return per annum also. Maybe a good option dependant on her exact circumstances/age.

Plant a penny, in some good soil, water on a regular basis, and watch your money tree grow.

The title doesn’t match the content at all 🤣

Stick cash in an Etoro account at 5.2%.

The passport thing is really complicated and there aren’t clear answers anywhere. It’s because of widespread confusion about EU-specific rules, but those rules are specific to the EU and a handful of other countries which match the EU (like Switzerland and Morocco). Many media reports are also incorrect about it, and some governments have issued contradictory advice. Basically, for the rest of the world, in all countries your passport must be in-date. For most countries you also need at least 3-6 months before the expiry date (normally 6), this is to stop people overstaying. However the EU has a slightly different rule: they have basically imposed a 10 year validity on passports, so for normal passports you need 6 months before the passport is 10 years old, not 6 months before the expiry date. The UK is one of very few countries which issues passports valid for more than 10 years, some are up to 10 years 9 months, and so it’s easy for us to fall foul of this rule. I’m not aware of any countries outside the EU+ with the same restriction; I’ve been researching it but it is hard to be sure since most countries don’t publish guidance on it.

£50k into premium bonds. Easy access, safe and secure. No tax to pay on any on any 'winnings'. Last year I earnt 11% on 50k. Draws are monthly and largest are £1million.

I'd put the money in s/s if I wasn't touching them for 10yrs far greater return than a collection of fixed rate ISA accounts over the same time

I would put the money in Vanguard S&P500 ETF.

I pity anyone who doesnt invest their money and just keeps their money in a 3-4% account.

He cannot be ignoring stocks and shares isa s investing. 5% you can have now on savings is descent but not going to be there for long

No mention of investing. Terrible advice

Gold sovereigns…..end of

how can anyone trust this person??

Satan gives money advice!!!

Why this is recommended on my feed is ludicrous, it’s hurried dribble rush rush rush we don’t have enough time nonsense when this type of talk should be mainstreamed at prime time daily for at least 1 hour, so forget this… and check out The Ramsey Show instead.