Simon Harris’s much-hyped investment scheme is official, though there’s still some way to go before you can avail of it. But we’re not going to wait until next summer to analyse and scrutinise it.

Cian Carolan, managing director at DNG Financial Services, returns to the Money Talks studio to tease out the forthcoming Personal Investment Account and discuss what you need to know ahead of time.

“There’s a couple of things that tell me that they overcomplicated it, overthought it and probably missed out on the simplicity of it,” says Carolan.  

“The biggest missed opportunity of all is the July start date. We’ve been waiting around all year. We’ve had a lot of clients ourselves who’ve been deferring starting investing in anticipation of this.

“They’ve missed out on a really good year so far, at least in terms of investment returns. That’s something that needs to be called out."  

The negatives and the positives – because there are some of those, too – go under the microscope on this week's episode.  

Host: Katie Byrne 

Guest: Cian Carolan 

The content of this podcast is for information purposes and does not constitute investment advice or a recommendation of any investment product.