Neil is the Founder of multi-award winning Be-IQ. He works closely with some of the most influential financial brands in the world, and regularly features as a keynote speaker, focussing on the sub-conscious behaviours that drive our financial decisions. He is an expert at bridging complex theory with real-world understanding.

This week we marked International Women’s Day; a day where the world united in a joint call-to-action to press forward and progress gender parity.

I was honoured to speak at Nucleus’ Unlock the value in diversity event, which was held at BAFTA in London. I focused on gender equality, dispelling a few gender-based behavioural myths, and used evidence to demonstrate that financial decision making can be a big beneficiary of an equality model.

Last Friday at 8pm, my wife and I sat down and watched the final, nail-biting episode of Stranger Things series 2 on Netflix.

As with the first series, I was instantly hooked. Addicted, some might say; and according to viewing statistics from insight agency Nielsen, I’m not alone.

The whole series was released on Netflix on 27 October, with data showing that 361,000 Americans watched all nine episodes within a 24-hour period. A total of 16 million Americans (5 per cent of the population) watched the first episode within three days of it going on Netflix.

A few weeks ago, I was asked to speak at a financial services conference in London.

I was asked to speak about ‘consumer engagement’ and how the approach we’ve taken with Be-IQ helps inform how employees engage, and stay engaged, with their retirement plans. I also discussed the behaviours associated with long-term planning, and the inability for people to make accurate predictions about their future (which, by the way, is a key reason behind every broken New Year’s resolution).

As tax year end comes round again, I revisited the blog I wrote this time last year on the subject of procrastination, and why investors put off making decisions about money.

For as long as I can remember, I’ve had an interest in why people procrastinate, as well as the psychology of deadlines, and how, putting things off until the deadline arrives, can have a significant impact on not only your financial wellbeing, but also your mental and physical wellbeing.

It is a rainy, windy, cold Saturday evening and you have a ticket for the theatre. You bought the ticket two months ago and it cost you £80. The thing is, now the time has arrived to go, you can’t decide whether or not you actually want to. When you bought the ticket, you obviously had every intention of going. But now the time has arrived, you're not so sure.

Over the past few years, it’s been difficult to avoid the many discussions, forums, and conferences focussing on the role of financial education in getting people on the path to a better financial future. In fact, so is the belief that it is the key to financial success, that some call for the financial education intervention to start as early as possible, ideally in the national education curriculum. Some even call for a formal qualification to be created and awarded the same status as Maths and English

As the tax year end approaches, Neil Bage explains why investors put off making decisions about money which could lead them to a disadvantaged situation.

According to recent research, two-thirds of adults, or 33 million people, have neglected to save or invest any money into an Isa, therefore missing out on the opportunity to capitalise on their annual tax free allowance.

Understanding the psychology of choice is beneficial for your relationship with your client.


In general, people make decisions in two fundamental ways: either with their head or their gut. When we make decisions with our head we slow things down, we think hard, we are less susceptible to framing. But the problem with this type of thinking is that it really tires you out – it’s hard work thinking too much.

One of the biases that we’re all susceptible to is the framing effect. Neil Bage of Suitable Strategies takes a look.