Episode 225

Your Career is a High-Yield Bond (And It’s Probably Junk)

Your "Human Capital" might be the largest asset you own, and it behaves like a bond. Seeing your career as a volatile asset might change how you think about saving, investing, and employment.

And in today’s Dumb Question of the Week: Do I need Income Protection Insurance?

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Thank you to Raisin UK for sponsoring this episode.

Receive a £100 welcome bonus when you register for a Raisin UK account using the code JULY100, open a fixed-rate bond with a term of 1 year or longer and deposit a minimum of £25,000 by 31 July 2026.

https://raisin-uk.pxf.io/c/4012142/3930337/12683?sharedid=uk-cmp-bonus-pensioncraft-podcasts-0726

New customers only, terms apply.

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🎧 many-happy-returns.captivate.fm

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Disclaimer

This podcast is for informational and entertainment purposes and is not financial advice. We do not provide recommendations or endorse any decision to buy, sell or hold any security. We cannot be held responsible for any actions listeners may take and investors are encouraged to seek independent financial advice.

Copyright 2026 Many Happy Returns

About the Podcast

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Many Happy Returns
The weekly podcast that makes better investors

About your hosts

Profile picture for Ramin Nakisa

Ramin Nakisa

Ramin is an investment coach, YouTuber and founder of PensionCraft.

He worked for 15 years as an investment banking strategist and has published two books: “A Financial Bestiary” and “Invest in Fear”.
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Michael Pugh

Michael is a media executive in London, working in news, television and music.

He is an enthusiastic amateur investor and new dad.