Retail Investors Decoded
Retail investors make up around 40% of the US stock market, and yet most financial firms still don’t know how to reach them.
Retail Investors Decoded is on a mission to change that.
Every episode, Finimize CEO Carl Hazeley sits down with experts from leading firms to decode what it really takes to engage modern retail investors – across stocks, pensions, private markets, crypto and everything in between.
Produced by Finimize for Business – the team that’s spent over a decade building the world’s most engaged community of more than a million modern retail investors.
Talk to Finimize about how we can help you reach modern retail investors:
https://finimize.com/business
LinkedIn: https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=7350525208211931136
LISTEN ON
Apple Podcasts
LISTEN ON
Spotify
LISTEN ON
Podchaser
LISTEN ON
Castro
LISTEN ON
Pocket Casts
Building a $9bn ETF empire in a world of gold, grifter and alien funds
September 8, 2026 • 39 MIN
“ETFs aren’t Harry Potter,” says Hector McNeil. “There’s nothing magic about them.” The edge comes from what you put inside it and being fast enough to get there first. McNeil has done that four times over. He co-invented the world’s first gold ETF and built the first ETC in Europe. Today he’s co-founder and co-CEO of HANetf, Europe’s leading white-label ETF platform, home to 33 brands, roughly a fifth of all European ETF issuers, and $9bn AUM. He joins Carl to unpack: - Why “s...
The CMO teaching IR teams to understand retail investors
August 25, 2026 • 41 MIN
A great narrative wins attention. It can't save a bad product and, since the first meme stock wave, retail investors know how to check. Katie Perry grew Public.com's user base from 10,000 to millions through the pandemic and the GameStop era, has interviewed over 100 CEOs and CFOs on their retail investor strategy, and has just published her first book, Ticker Shock, on how retail investors are reshaping the capital markets. She's now CMO of Zero Hash, the digital asset infrastructure compan...
Brian Byrnes on how Moneybox built a pensions and ISA empire
August 6, 2026 • 35 MIN
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 mo...
BONUS Episode: What investors really think about AI, crypto and market volatility
July 30, 2026 • 29 MIN
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 inv...
Maike Currie: The gender pension gap, finfluencers and why everyone's an investor
July 16, 2026 • 44 MIN
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 si...
Richard Flynn: UK retail investing, scrapping stamp duty & using AI "intentionally"
June 30, 2026 • 37 MIN
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 incen...