Michael Healy
speaker
73 appearances
1 recordings
1 series
first heard Nov 2025
last heard 14 Nov
Michael Healy’s voice in public audio — every appearance, attributed to the second.
Trend
recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Nov 2025 with 1.
Appearances
We don't want too much cash, or we don't want our investors to have too much cash because they will generate very poor returns in the long run relative to what they could earn were they to invest in the stock market.
Cash accounts.
Unquestionably so over the long term and with a suitably diversified portfolio.
So on average, you learn about seven times more if you invest in a diversified global stock portfolio versus leaving your money in cash.
Now, we need to stress.
I would slightly challenge that.
So I think volatile is the correct word.
Risky, I agree with less so.
I think...
and we would challenge regulators a little bit as well, there's a tendency to lean towards the downside risk of things like investing in the stock market.
And whilst it can be short-term volatile, it may not be suitable if somebody needs cash for an emergency short-term.
With a suitable hold period, it's highly unlikely to underperform cash holdings.
And I do think there's a kind of financial literacy and education piece we need to get across.
You know, as much as we recognise cash plays an important part of people's portfolio...
There is far too much money left in cash.
I think there's a role to play for operators like IG.
There's a role to play for regulators and also for government.
So whilst I think...
Financial literacy and education plays a part, whilst I think the rules around access and how we can promote these products to consumers is important.
Fiscal policy is also very important, that we have the right incentives for consumers to invest in stocks and shares too.
Showing 21–40 of 73 · page 2 of 4
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