Treffen Sie den CEO, der das Ziel verfolgt, „das Vermögen einer ganzen Generation zu steigern“
Carl Hazeley, CEO von Finimize, spricht darüber, warum die längere Lebenserwartung und der bevorstehende Vermögenstransfer zwischen den Generationen das Investieren für Millennials noch wichtiger machen.
LESEN SIE MEHR : http://de.euronews.com/2025/04/14/treffen-sie-den-ceo-der-das-ziel-verfolgt-das-vermogen-einer-ganzen-generation-zu-steigern
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Carl Hazeley, CEO von Finimize, spricht darüber, warum die längere Lebenserwartung und der bevorstehende Vermögenstransfer zwischen den Generationen das Investieren für Millennials noch wichtiger machen.
LESEN SIE MEHR : http://de.euronews.com/2025/04/14/treffen-sie-den-ceo-der-das-ziel-verfolgt-das-vermogen-einer-ganzen-generation-zu-steigern
Abonnieren Sie! Euronews gibt es in 12 Sprachen.
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NewsTranskript
00:00Wir werden viel länger leben und nicht mehr Geld haben, um das Retirementieren zu haben.
00:04Wenn jemand eine Reaktionung ist, dann wird sie entdeckt.
00:06Sie sind entdeckend zu dir, oder zu brechen die Law.
00:13Willkommen zu The Big Question.
00:15Die Serie von Euronews,
00:17wo wir tief in die größte Themen auf den Bissensagenda betreffen.
00:20Heute, ich bin mit dem CEO von Finamise Karl Haisley.
00:24Vielen Dank für mich heute.
00:26So, zu starten, können Sie uns ein bisschen darüber,
00:28was Finamise do und was Ihr main ist?
00:31Finamise ist eine Finanzkennende, Insights und Forschungsplattform
00:34that aims to give everyone the tools
00:37to become their own financial advisor.
00:39We do that through our world-class analysis
00:42and in so doing,
00:44we hope to increase the net worth of an entire generation.
00:48Und do you think,
00:49you know, to kind of get the younger generation,
00:51so 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,
00:57if you don't have much disposable income,
00:59investing isn't for you.
01:00Look, it was true 10-15 years ago
01:02that you needed a certain amount of money
01:03to think about investing
01:04and that's just not the case anymore.
01:06I can't confidently say that it's as accessible
01:08as it needs to be for everyone.
01:10I think that's a moving target
01:12and it's a goal that the industry should aspire to.
01:16I think there are more misconceptions
01:18on the financial services side
01:20than there are about actual modern retail investors.
01:23I think there are two big mistakes
01:25that the industry is making overall.
01:27I think first is on the institutional side
01:30where institutions treat non-experts like idiots,
01:35frankly, by talking down to them,
01:37by assuming that a 19-year-old or a 23-year-old
01:43cannot possibly have more than a couple of pennies in savings
01:47and therefore couldn't possibly be right
01:50to consider for an investment product.
01:52The best indicator of how somebody is going to behave
01:56and what they need from a financial services provider
01:58or an investment provider is their action,
02:01their content consumption.
02:02So whether you're 19 or 95,
02:04if I know that you've been reading about mortgage rates,
02:08interest rates,
02:09how to build a nest egg,
02:11your emergency fund,
02:12that tells me more about what you're likely to do next
02:14than just your age,
02:16your marital status,
02:17and so on.
02:18And the second big mistake
02:19is treating customers' users
02:21as the tool to make a margin.
02:23So what I mean by that is
02:25if you take financial services as a whole,
02:27we take medium-level complicated stuff
02:29around investing money, etc.
02:31We simplify it
02:32so that we will understand what's going on.
02:34Then we make it really complicated,
02:35put it in front of people and say,
02:37pay us.
02:38Right?
02:39And that's how you make a margin.
02:40And what's wild to me,
02:41and I think the big mistake
02:42that the industry is making is,
02:44you know,
02:45you don't go to the cinema
02:46without checking Rotten Tomatoes.
02:48You don't go to a restaurant
02:49or on holiday
02:50without checking TripAdvisor.
02:52Yet when it comes to money,
02:53this big, most important thing in your life,
02:55you're being expected to make decisions
02:57without access to either the way
03:00or the way to make those decisions
03:02or the way to learn more.
03:03And I think that's where a lot of people are going.
03:11Why should someone who maybe doesn't have that much
03:13excess cash to invest,
03:15but what potential does it have
03:17to grow versus just sticking it in the bank?
03:20It's often a tricky pitch,
03:22because to warn somebody about some future state,
03:26which is so far away,
03:27it doesn't feel urgent.
03:28But the fact of the matter is,
03:30if you stick your money in a bank account
03:32that earns a couple of percent of interest,
03:34inflation will eat away of that over time.
03:36If inflation is at 2% for 30 years,
03:39€1,000 is worth €500.
03:41If inflation is at 10% for seven years,
03:44that €1,000 goes to €500.
03:47Investing broadly helps shield you from that impact.
03:50It will grow your money at least in life with inflation,
03:53hopefully more.
03:55Over the very long run,
03:56it has historically outperformed inflation by a long chalk.
04:02And what that means is when you get to 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,
04:12I guess retirement is becoming increasingly far in the future.
04:14Yes.
04:15But you know,
04:16how much do we really need to be planning for that now,
04:18with our investments?
04:19So the short answer is,
04:20we absolutely need to plan for it now.
04:22It's not a case of being able to rely
04:24or not being able to rely on a government.
04:26It's just the simple fact that inflation is ever-present
04:31at whatever level it is,
04:32and the future is so far away that
04:35government plans may change,
04:37have changed,
04:38will continue to change.
04:39So it's not a reliability issue,
04:41it's a forecasting issue.
04:43And the one thing you can control is what you do today.
04:46I guess the bigger picture here is that
04:49the responsibility for making sure you've got enough
04:52when you stop working has never been more pressing on people.
04:56And again,
04:58looking at the big picture stats here,
05:00there's a generation of people,
05:02millennials and downwards,
05:04who are sleepwalking toward a retirement
05:06where with rising life expectancies,
05:10approved medications,
05:11Ozempic, you name it,
05:12we're all going to live much longer
05:14and have no money to fund that retirement,
05:17which is a terrifying state of affairs.
05:19Yeah.
05:20And that's why it's never been more important
05:22to take advantage of accessibility,
05:24education,
05:25for modern retail investors to invest, frankly.
05:28So for someone who maybe wants to think about,
05:31you know,
05:32creating a better financial future for themselves,
05:34but feels completely clueless on where to start,
05:36what would you advise?
05:37Find a source, newsletter,
05:40a website, podcast,
05:42all of the above,
05:44and spend five,
05:45ten minutes each day,
05:46just building your awareness.
05:48You'll find eventually that you can join the dots
05:53between an event and a response.
05:56Central Bank has said something,
05:58what does that mean for me?
06:00Tesco has reported a record profit,
06:02what does that mean for the price of groceries?
06:04And from there,
06:05you start to realise how much you don't know.
06:07It's a bit like learning a language.
06:08A little bit every day,
06:09you start to feel more confident,
06:10you start to feel more able to engage.
06:12Is there any scams that people should watch out for?
06:14If someone's guaranteeing a return,
06:16and guaranteeing that something's going to go up,
06:18they're either lying to you or breaking the law.
06:20Either way, it's dear clear,
06:22because predictions are hard,
06:24especially about the future.
06:26And with the best will in the world,
06:28with 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
06:38to really think about where we invest our money?
06:40Like, should we make sure that we are doing good
06:42with 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.
06:53I 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.
07:04And that's for the reasons we've discussed around
07:06it just being necessary for everybody.
07:08But if I look at our data,
07:09so we survey our members quarterly,
07:12and a significant proportion have said,
07:15I will not invest in something
07:17if it doesn't align with my values,
07:1930%, 40%.
07:20A similar number have said,
07:21they would forego a return on their investments
07:25if the return was helping people,
07:28planets, environment, and so on.
07:31At the same time,
07:32about half of people just last quarter have said,
07:35actually, I'm paring back my ESG-focused investments,
07:40which is probably a nod to what's happening politically at the moment.
07:44Yeah.
07:45Well, on that note,
07:46thank you so much for your time today,
07:47and thank you for joining me on The Big Question.
07:49Thank you so much.