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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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.
LIRE L’ARTICLE : http://fr.euronews.com/2025/04/14/rencontrez-le-pdg-qui-tente-d-augmenter-la-valeur-nette-de-toute-une-generation
Abonnez-vous à notre chaine. Euronews est disponible sur Dailymotion en 12 langues
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NewsTranscription
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.