{"store":{"baseInfo":{"podcastTitle":"V-FM: The Pensions Podcast","slug":"vfmpensions","podcastDescription":"The podcast from Darren Philp and Nico Aspinall talking all things pensions and investments.","podcastLogo":"https://pbcdn1.podbean.com/imglogo/image-logo/15319127/V_3000_3000px__ic27a3.png","podcastShareLogo":"https://d2bwo9zemjwxh5.cloudfront.net/image-logo/15319127/V_3000_3000px__ic27a3_1200x628.jpg?s=3c4a9301003ad8d6c9a435475656b477&e=png","podcastUrl":"https://vfmpensions.podbean.com","podcastCanSearched":true,"feedUrl":"https://feed.podbean.com/vfmpensions/feed.xml","theme":"elegant","podcastDeepLink":"https://www.podbean.com/pw/pbblog-y8vka-e9c057?from=usersite","removePodbeanBranding":"no","brandingLogo":null,"timeZone":{"timeZoneId":30,"gmtAdjustment":"GMT+00:00","useDaylightTime":1,"value":0,"text":"(GMT+00:00) Greenwich Mean Time : Dublin, Edinburgh, Lisbon, London","daylightStartTime":"Last Sunday of March +1 Hours","daylightEndTime":"Last Sunday Of October +1 Hours","timezone":"Europe/London"},"podcastDownloads":null,"totalEpisodes":126,"showComments":true,"iOSAppDownloadLink":null,"customizeCssUrl":null,"androidAppDownloadLink":null,"showPostShare":true,"showLike":true,"author":"vfmpensions","enableEngagementStats":true,"shareEmbedLink":"https://admin5.podbean.com/embed.html?id=pbblog-y8vka-e9c057-playlist","language":"en","sensitivitySessionExpireTime":3600,"podcastApps":[{"name":"Apple Podcasts","link":"https://podcasts.apple.com/us/podcast/v-fm-the-pensions-podcast/id1663510586","image":"https://pbcdn1.podbean.com/fs1/site/images/admin5/apple-podcast.png","title":null},{"name":"Podbean App","link":"https://www.podbean.com/pw/pbblog-y8vka-e9c057?from=usersite","image":"https://pbcdn1.podbean.com/fs1/site/images/admin5/podbean-app.png","title":null},{"name":"Spotify","link":"https://open.spotify.com/show/42bnPZJjAXPb6Lu9pVEcSu","image":"https://pbcdn1.podbean.com/fs1/site/images/admin5/spotify.png","title":null},{"name":"Amazon Music","link":"https://music.amazon.com/podcasts/ca389239-8a48-4b63-8aad-85c3b982a767","image":"https://pbcdn1.podbean.com/fs1/site/images/admin5/AmazonMusic.png","title":null},{"name":"TuneIn + Alexa","link":"https://tunein.com/radio/V-FM-The-Pensions-Podcast-p3089871/","image":"https://pbcdn1.podbean.com/fs1/site/images/admin5/tunein.png","title":null},{"name":"iHeartRadio","link":"https://iheart.com/podcast/168959799","image":"https://pbcdn1.podbean.com/fs1/site/images/admin5/iHeartRadio.png","title":null},{"name":"PlayerFM","link":"https://player.fm/series/3436025","image":"https://pbcdn1.podbean.com/fs1/site/images/admin5/PlayerFM.png","title":null},{"name":"Listen Notes","link":"https://www.listennotes.com/podcasts/v-fm-the-pensions-podcast-vfmpensions-nV0zXxv_Kt-/","image":"https://pbcdn1.podbean.com/fs1/site/images/admin5/ListenNotes.png","title":null},{"name":"Podchaser","link":"https://www.podchaser.com/podcasts/v-fm-the-pensions-podcast-5079201","image":"https://pbcdn1.podbean.com/fs1/site/images/admin5/Podchaser.webp","title":null}],"components":{"base":[{"id":"MainStyle","val":"light"},{"id":"Font","val":"Avenir"},{"id":"SecondaryFont","val":"Avenir"},{"id":"PlayerColor","val":"#8fc31f"},{"id":"PlayerStyle","val":"player1"},{"id":"PlayerWave","val":"show"},{"id":"Favicon","val":null},{"id":"CookiesNotice","val":"hide"},{"id":"CookiesNoticeContent","val":"

Cookies Notice

This website uses cookies to improve your experience while you navigate through the website. By using our website you agree to our use of cookies.

"}],"home-header":[{"id":"HomeHeaderTextColor","val":"#000000"},{"id":"HomeHeaderBackgroundColor","val":"#ffffff"}],"page-header":[{"id":"PageHeaderTextColor","val":"#ffffff"},{"id":"PageHeaderBackgroundColor","val":"#868686"}],"episode-list":[{"id":"EpisodeListType","val":"grid"},{"id":"EpisodesPerPage","val":10},{"id":"EpisodeStats","val":"show"}],"navigation":[{"id":"NavigationFontColor","val":"#000000"},{"id":"NavigationBackgroundColor","val":"#e9e9e9"},{"id":"NavigationSearch","val":"show"},{"id":"NavigationLinks","val":[{"id":"Home","type":"Link","value":"/","text":"Home","subitems":[]},{"id":"Subscribe","type":"Link","value":"https://www.podbean.com/site/podcatcher/index/blog/yXqkwJUg1uYv","text":"Subscribe","subitems":[]},{"id":"Profile","type":"Link","value":"https://www.podbean.com/user-Ne30AjS0Kuk7","text":"Profile","subitems":[]}]}],"footer":[{"id":"FooterType","val":"Footer2"},{"id":"FooterFontColor","val":"#ffffff"},{"id":"FooterBackgroundColor","val":"#000000"},{"id":"FooterCopyright","val":"Copyright 2025 All Rights Reserved"},{"id":"SocialMediaLinks","val":{"facebook_username":"","twitter_username":"","instagram_username":"","youtube_username":"","linkedin_username":""}}],"customize-container1":[{"id":"ComponentImageText-1","val":{"ComponentFontColor":"#000000","ComponentBackgroundColor":"#f2f2f2","ComponentImage":"https://mcdn.podbean.com/mf/web/5i9e8q/V_1_8a33c645-e167-4cc7-a4a7-4f0ca18f9da0.png","ComponentContent":"

Chatting all things pensions and investments

'V-FM'... It's the podcast you've been waiting for...

Darren Philp and Nico Aspinall having a chat about pensions, investment and anything else that takes their fancy. Join us for an hour of geekery and topical discussion.

Got a topic you'd like us to cover... get in touch at vfmpensions@gmail.com

"}}],"customize-container2":[]},"allLinks":[],"mainStylesDefaultSettings":null,"defaultCustomizeComponents":null,"scripts":[],"metas":null,"appConfig":{"package":"com.podbean.app.podcast","app_store_id":973361050,"app_name":"Podbean","scheme":"podbean"},"customizeCss":null,"canEditCss":null,"enableJsCodeInCustomizeContent":false,"enabledIframeCodeInCustomizeContent":true,"sectionMaxCount":10,"enableEditorLink":true,"enableEditCookiesNotice":true,"siteRedirectToFeed":false,"podcatcherRssUrl":null,"showFeed":true,"showTopBar":true,"enableWebSiteLike":true,"organizationName":null,"organizationPageLink":null},"backToListUrl":"/","tinymceLoaded":false,"listEpisodes":[],"userLikedEpisodes":[],"userLikeCheckedEpisodes":[],"topBarIframeLoaded":false,"listTotalCount":0,"listTotalPage":0,"listPage":0,"listType":"all","listValue":"","listName":"","pageLoading":false,"apiBaseUrl":"https://vfmpensions.podbean.com","apiCommonParams":{"t":"686c564d","clientSignature":"8d6466c1eed5ed4bacf185d41104f24c","u":null,"customizing":null},"apiCommonHeaders":{},"comments":[],"commentsTotalCount":0,"commentsTotalPage":0,"commentsPage":1,"commentEpisodeId":"pb20609813-rt2y3","episode":{"id":"pb20609813","idTag":"rt2y3","title":"V-FM#9: XPS DC guru Sophia Singleton chats value for money","logo":"https://pbcdn1.podbean.com/imglogo/image-logo/15319127/V_3000_3000px__ic27a3_300x300.png","shareLogo":"https://d2bwo9zemjwxh5.cloudfront.net/image-logo/15319127/V_3000_3000px__ic27a3_1200x628.jpg?s=3c4a9301003ad8d6c9a435475656b477&e=png","largeLogo":"https://pbcdn1.podbean.com/imglogo/image-logo/15319127/V_3000_3000px__ic27a3.png","previewContent":null,"content":"

In this episode Darren and Nico chat to Sophia Singleton from XPS about how she got into pensions, her career to date and, of course, her views on VFM. Sophia talks about the need to for schemes and providers to focus on providing an income - a common theme that is emerging among our guests.

","publishTimestamp":1677838810,"duration":3394,"mediaUrl":"https://mcdn.podbean.com/mf/web/sjru8j/VFM_965dhx.mp3","mediaType":"audio/mpeg","shareLink":"https://admin5.podbean.com/embed.html?id=pb-rt2y3-13a7b15","likedCount":0,"deepLink":"https://www.podbean.com/ew/pb-rt2y3-13a7b15","transcriptUrl":null,"permalink":"/e/v-fm9-xps-dc-guru-sophia-singleton-chats-value-for-money/","downloadLink":"https://www.podbean.com/media/share/pb-rt2y3-13a7b15?download=1","fallbackResource":null,"fallbackResourceMimetype":null,"downloadCount":253,"status":"publish","hasMoreContent":false,"chaptersUrl":null,"explicit":false},"episodeShareLink":null,"deepLink":"https://www.podbean.com/ew/pb-rt2y3-13a7b15","playlist":{"episodes":[],"current":0,"start":0,"stop":0,"playing":true,"playerLoading":true,"playbackRate":1,"playbackRateIndex":1},"toasts":[],"confirm":null,"customizeEditorFormZIndex":999,"lastRequestTime":null,"validateChangesOnBeforeunload":true,"windowWidth":1000,"VITE_FS1_CDN_URL_PREFIX":"https://pbcdn1.podbean.com/fs1","reloadStats":false,"userIdEncrypted":null,"userProfilePicture":null,"username":null,"isVerified":false,"loadUserInfo":false,"loginUrl":"https://www.podbean.com/site/user/login?return=https%253A%252F%252Fvfmpensions.podbean.com%252Fe%252Fv-fm9-xps-dc-guru-sophia-singleton-chats-value-for-money%252F&rts=d866440b25c5304bd3388c5143b0507800921c5a","recaptchaV3Loaded":false,"recaptchaV2Loaded":false,"likesLoaded":false,"commentLikeMap":{},"commentOffset":0},"episode":{"id":"pb20609813","idTag":"rt2y3","title":"V-FM#9: XPS DC guru Sophia Singleton chats value for money","logo":"https://pbcdn1.podbean.com/imglogo/image-logo/15319127/V_3000_3000px__ic27a3_300x300.png","shareLogo":"https://d2bwo9zemjwxh5.cloudfront.net/image-logo/15319127/V_3000_3000px__ic27a3_1200x628.jpg?s=3c4a9301003ad8d6c9a435475656b477&e=png","largeLogo":"https://pbcdn1.podbean.com/imglogo/image-logo/15319127/V_3000_3000px__ic27a3.png","previewContent":null,"content":"