Gilts and bonds are essentially loans made to governments and companies which will be paid back to you at some point and earn some interest in the meantime.

They’re not as flashy as stocks and shares but they’re a solid part of an investment portfolio and they have interesting political implications.

Here I talk you through what they are, the common terminology, how they’re taxed and how you as a retail investor can access them. All in down to earth, understandable language.

When we're talking about money, we're often not talking about money. If it were that simple, we'd all have a perfect budget, fully funded emergency fund and retirement savings. What we're talking about is more about safety, self-development, generosity, politics, trauma and history.

Make sure you are on the same page when you plan your money dates.