Plain English Finance & Andrew Craig Thu, 10 Sep 2026 19:39:51 +0000 https://www.buzzsprout.com/2649581 en-gb © 2026 Plain English Finance & Andrew Craig yes 22d81d77-03fd-5f0d-a848-e38c97792787 dave.graham@plainenglishfinance.com Plain English Finance & Andrew Craig episodic false Plain English Finance was founded in 2011 by top-selling finance author, Andrew Craig. Our company mission is "…to improve the financial affairs of as many people as possible..."
To find out more, please do visit our website and check out Andrew's first best-selling book "How to Own the World" on Amazon: https://amzn.to/3Ux11m1

]]> Buzzsprout (https://www.buzzsprout.com) personal finance, financial literacy, financial education, investing, investing psychology Plain English Finance & Andrew Craig dave.graham@plainenglishfinance.com https://storage.buzzsprout.com/hh3k21tzx2mcvewzv6drc86g69ra?.jpg Plain English Finance & Andrew Craig https://www.buzzsprout.com/2649581 Andrew Craig & Alexander Chartres - Is Your “Global" Fund Really Global? Andrew Craig & Alexander Chartres - Is Your “Global" Fund Really Global? This episode is sponsored by leading investment manager Ruffer.

I'm thrilled to share our first long-form podcast interview on the channel.

In this interview I sit down with Alexander Chartres. Alexander is a partner at Ruffer, and responsible for several billion pounds worth of assets as the co-fund manager of a number of their flagship funds, including the London Stock Exchange-listed Ruffer Investment Company.

In a wide-ranging discussion, we focus on the critical importance of capital preservation.
We also highlight how fully 72% of the MSCI World “global” index is currently invested in American shares. This is key and still poorly understood.

We look in detail at what might happen if the single trade that has dominated for fifteen years - namely US equities - stops working. We get into why the 60/40 portfolio has broken, what can protect your money when shares and bonds fall together, and the risks facing anyone who has ended up largely exposed to US tech, often without even realising that they have.

If you have an ISA or a pension and you’ve tended to “set and forget” into a “global” fund of some kind, you should find this conversation useful and timely.

KEY RESOURCES FOR YOU:
The companion book for this video series:  *"Live on Less, Invest the Rest."*
https://amzn.to/4jbAq70

My best-selling first book:  "How to Own the World"
https://amzn.to/3Qj6FWi

"How to Own the World - Before you’re 30" - my most recent book
https://amzn.to/42Bl0TI

"Our Future is Biotech"
https://ourfutureisbiotech.com/

FOLLOW ➡️
https://twitter.com/pef_uk
https://twitter.com/andyroocraig
https://www.linkedin.com/in/andrewcraigpef/
https://www.linkedin.com/company/plain-english-finance/
https://www.facebook.com/andyroocraig
https://www.facebook.com/pefuk

IMPORTANT DISCLAIMERS
Please note:  Some of the links on this page are affiliate-links.  This means that if you use them we will be paid a small commission by the relevant company.  To be clear – there will be no additional charge for you if you do this. 

Please note:  Your capital is at risk when you invest. Past performance is not a reliable indicator of future performance. The value of investments and any income from them may fall as well as rise, the return may increase or decrease as a result of currency fluctuations, and you may not get back the amount of your original investment.

Plain English Finance Limited does not make any recommendations regarding the suitability of any product for you and the information provided here should not be considered as investment or other advice or a recommendation to buy, sell or hold a particular investment.

Whilst Plain English Finance Limited has used all reasonable efforts to ensure the accuracy of the information contained in this video at the time of publication, no representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained herein. 

Certain economic and market information contained herein has been obtained from sources prepared by other parties. While such sources are believed to be reliable, neither Plain English Finance Limited nor any of its directors or advisers assumes any responsibility for the accuracy or completeness of such information. 

To the fullest extent permitted by law Plain English Finance Limited, its directors, shareholders, partners, advisers or representatives shall not have any responsibility or liability whatsoever (for negligence or otherwise) for any loss howsoever arising from any use of this video or its contents or otherwise arising in connection with this video. The information set out herein may be subject to material updating, completion, revision and amendment.

Plain English Finance is Authorised and regulated by the Financial Conduct Authority (FCA) under ref. FRN 564876 and is a registered limited company in England, number 7503422.


This video, and any statements accompanying it, are for information only and are not intended to be legally binding. Unless otherwise agreed in writing, our investment management agreement, in the form entered into, constitutes the entire agreement between Ruffer and its clients, and supersedes all previous assurances, warranties and representations, whether written or oral, relating to the services which Ruffer provides. The views expressed are not intended as an offer or solicitation for the purchase or sale of any investment or financial instrument. The views reflect the views of Ruffer at the date of production and, whilst the opinions stated are honestly held, they are not guarantees and should not be relied upon and may be subject to change without notice.

The information contained in this video does not constitute investment advice and should not be used as the basis of any investment decision. References to specific securities are included for the purposes of illustration only and should not be construed as a recommendation to buy or sell these securities. Ruffer has not considered the suitability of this investment against any specific investor’s needs and/or risk tolerance. If you are in any doubt, please speak to your financial adviser.

This financial promotion is issued by Ruffer LLP which is authorised and regulated by the Financial Conduct Authority in the UK and is registered as an investment adviser with the US Securities and Exchange Commission (SEC). Registration with the SEC does not imply a certain level of skill or training. © Ruffer LLP 2026. Registered in England with partnership No OC305288. 80 Victoria Street, London SW1E 5JL. For US institutional investors: securities offered through Ruffer LLC, Member FINRA. Ruffer LLC is doing business as Ruffer North America LLC in New York. More information: ruffer.co.uk/disclaimer

]]> This episode is sponsored by leading investment manager Ruffer.

I'm thrilled to share our first long-form podcast interview on the channel.

In this interview I sit down with Alexander Chartres. Alexander is a partner at Ruffer, and responsible for several billion pounds worth of assets as the co-fund manager of a number of their flagship funds, including the London Stock Exchange-listed Ruffer Investment Company.

In a wide-ranging discussion, we focus on the critical importance of capital preservation.
We also highlight how fully 72% of the MSCI World “global” index is currently invested in American shares. This is key and still poorly understood.

We look in detail at what might happen if the single trade that has dominated for fifteen years - namely US equities - stops working. We get into why the 60/40 portfolio has broken, what can protect your money when shares and bonds fall together, and the risks facing anyone who has ended up largely exposed to US tech, often without even realising that they have.

If you have an ISA or a pension and you’ve tended to “set and forget” into a “global” fund of some kind, you should find this conversation useful and timely.

KEY RESOURCES FOR YOU:
The companion book for this video series:  *"Live on Less, Invest the Rest."*
https://amzn.to/4jbAq70

My best-selling first book:  "How to Own the World"
https://amzn.to/3Qj6FWi

"How to Own the World - Before you’re 30" - my most recent book
https://amzn.to/42Bl0TI

"Our Future is Biotech"
https://ourfutureisbiotech.com/

FOLLOW ➡️
https://twitter.com/pef_uk
https://twitter.com/andyroocraig
https://www.linkedin.com/in/andrewcraigpef/
https://www.linkedin.com/company/plain-english-finance/
https://www.facebook.com/andyroocraig
https://www.facebook.com/pefuk

IMPORTANT DISCLAIMERS
Please note:  Some of the links on this page are affiliate-links.  This means that if you use them we will be paid a small commission by the relevant company.  To be clear – there will be no additional charge for you if you do this. 

Please note:  Your capital is at risk when you invest. Past performance is not a reliable indicator of future performance. The value of investments and any income from them may fall as well as rise, the return may increase or decrease as a result of currency fluctuations, and you may not get back the amount of your original investment.

Plain English Finance Limited does not make any recommendations regarding the suitability of any product for you and the information provided here should not be considered as investment or other advice or a recommendation to buy, sell or hold a particular investment.

Whilst Plain English Finance Limited has used all reasonable efforts to ensure the accuracy of the information contained in this video at the time of publication, no representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained herein. 

Certain economic and market information contained herein has been obtained from sources prepared by other parties. While such sources are believed to be reliable, neither Plain English Finance Limited nor any of its directors or advisers assumes any responsibility for the accuracy or completeness of such information. 

To the fullest extent permitted by law Plain English Finance Limited, its directors, shareholders, partners, advisers or representatives shall not have any responsibility or liability whatsoever (for negligence or otherwise) for any loss howsoever arising from any use of this video or its contents or otherwise arising in connection with this video. The information set out herein may be subject to material updating, completion, revision and amendment.

Plain English Finance is Authorised and regulated by the Financial Conduct Authority (FCA) under ref. FRN 564876 and is a registered limited company in England, number 7503422.


This video, and any statements accompanying it, are for information only and are not intended to be legally binding. Unless otherwise agreed in writing, our investment management agreement, in the form entered into, constitutes the entire agreement between Ruffer and its clients, and supersedes all previous assurances, warranties and representations, whether written or oral, relating to the services which Ruffer provides. The views expressed are not intended as an offer or solicitation for the purchase or sale of any investment or financial instrument. The views reflect the views of Ruffer at the date of production and, whilst the opinions stated are honestly held, they are not guarantees and should not be relied upon and may be subject to change without notice.

The information contained in this video does not constitute investment advice and should not be used as the basis of any investment decision. References to specific securities are included for the purposes of illustration only and should not be construed as a recommendation to buy or sell these securities. Ruffer has not considered the suitability of this investment against any specific investor’s needs and/or risk tolerance. If you are in any doubt, please speak to your financial adviser.

This financial promotion is issued by Ruffer LLP which is authorised and regulated by the Financial Conduct Authority in the UK and is registered as an investment adviser with the US Securities and Exchange Commission (SEC). Registration with the SEC does not imply a certain level of skill or training. © Ruffer LLP 2026. Registered in England with partnership No OC305288. 80 Victoria Street, London SW1E 5JL. For US institutional investors: securities offered through Ruffer LLC, Member FINRA. Ruffer LLC is doing business as Ruffer North America LLC in New York. More information: ruffer.co.uk/disclaimer

]]> Plain English Finance & Andrew Craig Buzzsprout-19774453 Wed, 09 Sep 2026 14:00:00 +0000 3307 full false