Rencontrez le PDG qui tente d'« augmenter la valeur nette de toute une génération »

euronews (en français)

14/04/2025

Rencontrez le PDG qui tente d'« augmenter la valeur nette de toute une génération »

Carl Hazeley, PDG de Finimize, explique comment l'allongement de l'espérance de vie et le transfert de patrimoine entre générations rendront probablement l'investissement encore plus crucial pour les millennials.

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00:00Nous allons vivre beaucoup plus longtemps et n'avoir pas d'argent pour finir le retirement.

00:04Si quelqu'un est garanteant une return, ils sont either liés à vous ou breaking le law.

00:13Bienvenue à The Big Question, le sérieux de l'euro-news,

00:16où nous allons profiter de plus de plus de choses sur le business agenda.

00:20Aujourd'hui, je suis connu par le CEO de Finamise, Karl Haisley.

00:23Merci beaucoup pour m'avoir regardé aujourd'hui.

00:25So just to start us off, can you just tell me a little bit about what Finamise do and what are your main names?

00:31So Finamise is a financial news, insights and research platform that aims to give everyone the tools to become their own financial advisor.

00:39We do that through our world-class analysis and in so doing, we hope to increase the net worth of an entire generation.

00:48And do you think, you know, to kind of get the younger generation, so millennials and then even Gen Z, into investing,

00:53do you think we need a bit of a culture change?

00:55You know, there is often that perception that, you know, if you don't have much disposable income, investing isn't for you.

01:00Look, it was true 10, 15 years ago that you needed a certain amount of money to think about investing

01:04and that's just not the case anymore.

01:06I can't confidently say that it's as accessible as it needs to be for everyone.

01:10I think that's a moving target and it's a goal that the industry should aspire to.

01:16I think there are more misconceptions on the financial services side than there are about actual modern retail investors.

01:23I think there are two big mistakes that the industry is making overall.

01:28I think first is on the institutional side where institutions treat non-experts like idiots, frankly,

01:35by talking down to them, by assuming that a 19-year-old or a 23-year-old cannot possibly have more than a couple of pennies in savings

01:47and therefore couldn't possibly be right to consider for an investment product.

01:52The best indicator of how somebody is going to behave and what they need from a financial services provider

01:58or an investment provider is their action, their content consumption.

02:02So whether you're 19 or 95, if I know that you've been reading about mortgage rates, interest rates,

02:09how to build a nest egg, your emergency fund, that tells me more about what you're likely to do next

02:14than just your age, your marital status and so on.

02:18And the second big mistake is treating customers' users as the tool to make a margin.

02:24So what I mean by that is if you take financial services as a whole,

02:27we take medium-level complicated stuff around investing money, etc.

02:31We simplify it so that we will understand what's going on.

02:34Then we make it really complicated, put it in front of people and say, pay us.

02:38Right, and that's how you make a margin.

02:39And what's wild to me, and I think the big mistake that the industry is making is,

02:44you know, you don't go to the cinema without checking Rotten Tomatoes.

02:48You don't go to a restaurant or on holiday without checking TripAdvisor.

02:51Yet when it comes to money, this big, most important thing in your life,

02:55you're being expected to make decisions without access to either the way to make those decisions

03:01or the way to learn more.

03:03And I think that's where a lot of people are going.

03:04Why should someone who maybe doesn't have that much excess cash to invest,

03:15but what potential does it have to grow versus just, you know, sticking it in the bank?

03:19It's often a tricky pitch because to warn somebody about some future state,

03:26which is so far away, it doesn't feel urgent.

03:28But the fact of the matter is, if you stick your money in a bank account

03:32that earns a couple of percent of interest, inflation will eat away at that over time.

03:36If inflation is at 2% for 30 years, €1,000 is worth €500.

03:40If inflation is at 10% for seven years, that €1,000 goes to €500.

03:47Investing broadly helps shield you from that impact.

03:51It will grow your money at least in life with inflation, hopefully more.

03:55Over the very long run, it has historically outperformed inflation by a long chalk.

04:02And what that means is when you get to the later stages in life,

04:06you have a nest egg to retire with.

04:09When we think about preparing for the future,

04:11and, you know, I guess retirement is becoming increasingly far in the future,

04:15but, you know, how much do we really need to be planning for that now with our investments?

04:18So the short answer is we absolutely need to plan for it now.

04:22It's not a case of being able to rely or not being able to rely on a government.

04:26It's just the simple fact that inflation is ever-present at whatever level it is.

04:32And, you know, the future is so far away that government plans may change,

04:37have changed, will continue to change.

04:39So it's not a reliability issue, it's a forecasting issue.

04:43And the one thing you can control is what you do today.

04:46And I guess the bigger picture here is that the responsibility for making sure you've got enough

04:52when you stop working has never been more pressing on people.

04:56And, again, looking at the big picture stats here, there's a generation of people, millennials and downwards,

05:04who are sleepwalking toward a retirement where, with rising life expectancies,

05:10approved medications, Ozempic, you name it,

05:13we're all going to live much longer and have no money to fund that retirement,

05:17which is a terrifying state of affairs.

05:19And that's why it's never been more important to take advantage of accessibility, education,

05:26for modern retail investors to invest, frankly.

05:28So for someone who maybe wants to think about creating a better financial future for themselves,

05:33but feels completely clueless on where to start, what would you advise?

05:37Find a source, newsletter, a website, podcast, all of the above,

05:43and spend five, ten minutes each day just building your awareness.

05:49You'll find, eventually, that you can join the dots between an event and a response.

05:57Central Bank has said something, what does that mean for me?

06:00Tesco has reported a record profit, what does that mean for the price of groceries?

06:04And from there, you start to realise how much you don't know.

06:07It's a bit like learning a language.

06:08A little bit every day, you start to feel more confident, you start to feel more able to engage.

06:11Is there any scams that people should watch out for?

06:14If someone's guaranteeing a return, guaranteeing that something's going to go up,

06:18they're either lying to you or breaking the law.

06:20Either way, steer clear, because predictions are hard, especially about the future.

06:26And with the best will in the world, with the best research in the world,

06:30no real investor can guarantee anything.

06:33And so that's the big red flag, I would say.

06:36Do you think there is a responsibility there for us to really think about where we invest our money?

06:40Like, should we make sure that we are doing good with our investments?

06:43Thematic investing is particularly popular among millennials,

06:47whether that is climate-focused or trend-focused.

06:51I think there's a really strong argument for it.

06:54I try not to be the arbiter of how people invest.

06:58I would rather you invest in a way that I absolutely loathe,

07:02than you don't invest at all.

07:03And that's for the reasons we've discussed around it just being necessary for everybody.

07:08But if I look at our data, so we survey our members quarterly,

07:13and a significant proportion have said,

07:16I will not invest in something if it doesn't align with my values,

07:18so 30-40%.

07:20A similar number have said they would forego a return on their investments,

07:25if the return was helping people, planet, environment, and so on.

07:31At the same time, about half of people just last quarter have said,

07:36actually, I'm paring back my ESG-focused investments,

07:41which is probably a nod to what's happening politically at the moment.

07:44Well, on that note, thank you so much for your time today,

07:47and thank you for joining me on The Big Question.

07:48Thank you so much.

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