Retail Investors Decoded

Brian Byrnes on how Moneybox built a pensions and ISA empire

Thu, 06 Aug 2026 15:00:00 +0100

This week on Retail Investors Decoded: Carl is joined by Brian Byrnes, Director of Personal Finance at Moneybox, as the platform approaches its 10-year anniversary with £23 billion in assets and 1.9 million customers.

This episode gets into why traditional pension marketing turns customers off, the Moneybox manifesto that never mentions products by name, and why personalized guidance, not just access, is the sweet spot for retail investing.

Talk to Finimize about how we can help you reach modern retail investors: https://finimize.com/business

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BONUS Episode: What investors really think about AI, crypto and market volatility

Thu, 30 Jul 2026 11:00:00 +0100

Finimize Q3 2026 Modern Investor Pulse surveys nearly 3,000 investors worldwide on what they're thinking and how they’re behaving right now. In a bonus episode of Retail Investors Decoded, Carl is joined by Fraser Munro, head of partnerships, to break down what it all means for platforms, issuers and asset managers.

In this episode:
Why 41% of investors now use AI weekly for research, and why a conversation with a friend starts more investing journeys than talking to a chatbot
Why 70% of investors think markets will be higher in 12 months, and how they're turning to ETFs and baskets during geopolitical volatility
The knowledge gaps in derivatives, ETFs and crypto retail investors say they want help closing
The Vanguard finding that 82% of people think saving and investing are fundamentally different activities
Why publishing content isn’t the same as reach, and what that means for educating UK investors

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Maike Currie: The gender pension gap, finfluencers and why everyone's an investor

Thu, 16 Jul 2026 09:00:00 +0100

Why do so many people have pensions, but so few think of themselves as investors?

This episode, Carl sits down with Maike Currie, VP of Personal Finance at PensionBee, former Investors' Chronicle journalist and one of the UK's leading voices on pensions and financial education. They explore why Britain's investing problem starts long before someone opens an ISA, and what the industry, employers and government need to do differently.

They get into:

Why the gender pension gap is twice the size of the gender pay gap
How pensions could become Britain's gateway to investing
Why financial firms are competing with Netflix, not each other, for attention
The role of finfluencers, friction and trust in getting more people invested

Richard Flynn: UK retail investing, scrapping stamp duty & using AI "intentionally"

Tue, 30 Jun 2026 09:00:00 +0100

Britain has made investing cheaper and easier than ever, yet it still sits at the bottom of the G7 for retail participation. Why?

Carl Hazeley sits down with Richard Flynn, MD of Charles Schwab UK. With $13 trillion in assets, 39 million accounts and a history stretching back to 1971, Schwab has spent decades lowering the barriers to investing. As Richard argues, the challenge now is moving people from simply participating in the market to actively engaging with it.

They get into:
Why incentivising people beats trying to compel them (and the Aesop's fable that explains it)
The stark AI adoption gap between younger and older investors
Stamp duty and the policy levers that could get Britain investing
Why financial literacy belongs on the curriculum