He Worked in Finance and Wants to Tell Us the Truth [Chills 242 ft ‪@timtalksmoney‬]

Are you paying for sophistication… or just complexity?
Structured products. ILPs. The industry calls them “innovative.” Some call them “expensive packaging.”

In this week’s episode ft. Tim Phillips from TimTalksMoney, we dive into how these products really work — what value they can offer, and where investors often get misled.

From fees that compound quietly, to the psychology behind why people still buy them — it’s a candid look at the tension between advice, incentives, and outcomes.

Tune in now for a no-drama, data-driven take — minus the sales pitch.

What We Discuss:

• 03:21 - What inspired you to get into personal finance?
• 12:20 - What are your view on structured products?
• 16:34 - Do you still believe in broadly diversified ETFs as the way forward?
• 21:55 - What’s your take on the hype around sector ETFs like solar, cannabis, and robotics?
• 26:50 - What’s your take on ILPs, especially with recent changes to their cost structure?
• 35:24 - What’s your take on the impact of currency fluctuations on investment returns?

Episode Resources:

• Spotify
• YouTube
• Apple podcast

New episodes every Thursday