Finance 2025: Savings and Investment

Held on Tuesday, December 11, 2018

With support from the London Institute of Banking & Finance


  • Jeff Lynn (Seedrs)

  • Adam French (Scalable Capital)

  • Romina Savova (PensionBee)



In a world of increasing dependence on one’s own personal resources to fund a larger life, individuals will have to save more, to work those savings harder, and to pay much more attention to fees and commissions – as well as to top-line returns. We have already seen a shift from high-cost active funds to low-cost passive investment – and robo-advice may drive costs down further. As may MiFID II – though, so far, its impact has been mixed.

All of this (and more) will (I hope) be covered in the second of our Finance 2025 joint programme with the London Institute of Banking and Finance. The intention is to look at the evolution of retail finance beyond the immediate problems of ‘Brexit’ and political confusion, to see where the financial services sector in heading in the medium term – and what is driving change. The first panel discussion (on November 15) was on payments; this one focuses on what we do with (and where we should put) our money.

Our distinguished panel for the evening includes:

  • Jeff Lynn, executive chairman and co-founder at Seedrs – an equity crowdfunding platform for investing in start-ups and other growth companies. Last year, Seedrs invested US $175 million into 168 deals across eight countries and 17 sectors. No wonder Jeff made GQ’s top hundred men in Britain.

  • Adam French runs him close. He is the founder of Scalable Capital, which he set up at the beginning of 2015 (after seven years at Goldman) and which now offers low cost high-tech investment advice to 30,000 clients with over US $1 billion under management. Scalable Capital was listed as one of the UK’s top six robo advisers in 2018 and was designated a ‘leading innovation’ at last year’s Platform Awards.

  • Romina Savova set up PensionBee in March 2015, to offer UK savers access to a low-cost, easy-to-use, transparent, on-line pension platform that brings all a client’s pensions into one pot. Although it is tech-based, PensionBee offers personal customer support, and gets five stars from TrustPilot.

For better or worse, this is the future. We may have given up looking under the bonnet of our family car, but, when it comes to personal finance, we are all supposed to be ace mechanics - hence we need all the help we can get. If you (or a colleague) would like to come along – and perhaps share your own insights – please let us know by emailing or by calling the Centre on 0207 621 1056. Thanks to the generosity of our friends at LIBF, there will be tea, coffee and biscuits ahead of time – and wine for those who choose to stay on afterwards.

Many thanks,

Andrew Hilton