Money Talks

Money Talks with Patrick Wacht

Portfolio Manager at BayernInvest Luxembourg In this episode of Money Talks, Mihaela discusses with Patrick Wascht, portfolio manager at BayernInvest Luxembourg. Tune in to learn what investing looks like from the inside, managing assets on behalf of pension funds and institutional investors. Patrick shares how professionals like him deal with uncertainty, market volatility and political events while keeping a clear focus on long-term objectives. From Brexit to inflation peaks, he explains why successful investing is linked to understanding context and managing emotions. As an individual investor too, Patrick often mentions the importance of having a plan and resisting the temptation to react to every market headline. The conversation also explores the rise of ETFs, the influence of social media on investment behaviour and the relationship between risk and return. While investing does not require a magic formula, it does require patience, consistency and a long-term perspective.

Money Talks with Grégory Guilmin

Financial educator and author This episode of Money Talks deals with the fundamentals of long-term investing with guest Grégory Guilmin, financial educator and author. From emergency savings and ETFs to diversification and risk management, the conversation breaks down the key principles every investor should understand before entering the market. Clear, practical and jargon-free, the episode focuses on building sustainable investment habits rather than chasing short-term trends. The discussion also looks at the emotional side of investing: how to deal with volatility, avoid fear-driven decisions and stay focused during uncertain times. Gregory explains why regular investing, geographical diversification and a disciplined strategy matter more than trying to predict the next market move. A practical conversation for anyone looking to invest with greater clarity and confidence.

Money Talks with Romain Lucas

Founder of Smart Money Growth In this episode of Money Talks, Mihaela speaks with Romain Lucas, founder of Smart Money Growth, about the cost of inaction. Drawing on his experience in finance and financial education, Roman explains why delaying investment decisions can be more expensive than people realise. The conversation explores why many people hesitate to invest, how education can be more empowering than simply receiving advice, and why financial freedom begins with understanding rather than outsourcing decisions. Romain also reflects on his own investment journey, the role of community in building confidence, and why taking one small first step can matter more than waiting for the perfect moment.

Money Talks with Cordula Schnuer and Raymond Frenken

In this episode of Money Talks, Mihaela speaks with two experienced journalists who translate complex developments into stories people can understand: Cordula Schnuer, editor-in-chief of the Luxembourg Times, and Raymond Frenken, managing editor at Investment Officer. Cordula and Raymond explain why journalism is not a substitute for financial education but an essential part of the learning environment. Good reporting, they argue, equips readers with context, vocabulary and reliable information so they can make their own financial choices. The discussion explores: • why clear language and context matter when reporting on financial topics • the growing influence of social media “finfluencers” and the risks of unverified information • how service journalism helps readers understand real-life issues like pensions, taxes and the cost of living • why compound interest remains one of the most powerful concepts young investors should understand • and how simple habits like automating savings or investing early can shape long-term financial security. The conversation also offers a look inside the newsroom: from the words journalists would happily ban from headlines to the myths about investing that deserve to disappear.

Money Talks with Candi Carrera

Co-Founder & CEO of VingeGPT In this episode of Money Talks, Mihaela discusses with Candi Carrera, former Country Manager of Microsoft Luxembourg turned value-investor and fintech founder. Candi walks us through the foundations of value investing, explaining how investors determine a company’s intrinsic value, why long-term thinking matters, and how patience can outperform market noise. He details his transition from tech leadership to co-founding an AI-powered companion designed to help investors analyse companies more deeply, interpret financial metrics, detect risks such as earnings manipulation, and understand complex data in natural language. Throughout the conversation, Candi highlights: • the importance of understanding industries before investing • why emotional discipline matters more than prediction • how AI can act as both a productivity enhancer and a “guardian angel” for better decision-making • the difference between real investing and gambling • his belief that AI will democratise financial understanding while still requiring human judgment.