Halloween, GLP-1s and the Spooky Cost of Doing Nothing With Your Money | Loud Investing

Your bank account might be haunted, and inflation is the ghost. In episode eight, Sarah and Tash kick off with a very real financial fright: a meal deal cost £3 ten years ago, today it’s £4.25, and they dig into what that means for the money sitting in your savings account. They also unpack the GLP-1 effect on luxury chocolate sales, the sneaky rise of shrinkflation (fewer Toblerone notches, we’re looking at you), and answer a Loud Line question on how to actually pick the right S&P 500 investment. Got an investing dilemma or a question? Reach out to us on the Loud Line: [email protected] Quick definitions: - Inflation: how money loses value over time as prices rise (see: the meal deal that used to be £3) - Interest rate: the percentage a bank pays you for keeping money with them, often lower than inflation - Shrinkflation: when the price stays the same, but you get less of the product - Index vs ETF: an index is a list of companies (like the Premier League table); an ETF is what you actually buy to invest in them - UCITS: a type of ETF regulated in the UK and EU, meaning you own the real underlying investments In this episode: - Why doing nothing with your money could be a risk - The meal deal maths: what £3 would be worth today, invested vs saved - How GLP-1 drugs like Ozempic are reshaping luxury chocolate sales - What shrinkflation actually is - How to pick an S&P 500 investment Timestamps: (00:00) Halloween, Heidi Klum and childhood trick-or-treating (04:40) Financial tea: Ozempic, Lindt and the GLP-1 effect (06:17) Shrinkflation and the vanishing Toblerone notches (07:17) The spooky maths: £3 ten years ago, invested vs saved (14:02) Loud Line: how to pick an S&P 500 investment (15:11) Index vs ETF, explained with the Premier League Mentioned in this episode: - The Loud Investing Challenge (free 7-day beginner course) → https://etoro.tw/4xfnIuL - U.S. sales of premium chocolate increased among GLP-1 users by nearly 17% in 2025, compared to a ‌6.5% ⁠rise among non-GLP-1 users: Lindt says weight-loss drugs users are eating more chocolate, not less | Reuters - 12% of UK households now include a GLP-1 user: Smaller supermarket formats carry a 24% premium as GLP-1s reshape eating habits - eToro Follow Loud Investing: - TikTok: https://www.tiktok.com/@loudinvesting - Instagram: https://www.instagram.com/etoro_official/ - LinkedIn: https://www.linkedin.com/company/etoro This communication is for information and education purposes only and should not be taken as investment advice, a personal recommendation, or an offer of, or solicitation to buy or sell, any financial instruments. This material has been prepared without taking into account any particular recipient's investment objectives or financial situation, and has not been prepared in accordance with the legal and regulatory requirements to promote independent research. Any references to past or future performance of a financial instrument, index or a packaged investment product are not, and should not be taken as a reliable indicator of future results. etoro makes no representation and assumes no liability as to the accuracy or completeness of the content of this publication