In this episode of the Intelligent Wealth podcast, the team discusses Constellation Software, a remarkable company known for its impressive growth and unique business model. The conversation delves into the company's financial metrics, the leadership of Mark Leonard, and the importance of capital allocation. The hosts explore the challenges the company faces as it grows, the significance of company culture, and the future outlook without its visionary leader. Overall, the discussion highlights the key factors that contribute to Constellation Software's success and the lessons investors can learn from it.

Takeaways:

• Constellation Software has achieved a 34% compounded annual growth rate since IPO.
• Mark Leonard's modesty and long-term vision are key to the company's success.
• The company focuses on acquiring niche software businesses that are critical to their clients.
• Management's significant skin in the game aligns their interests with shareholders.
• Constellation Software has a strong free cash flow margin of 21%.
• The company has a decentralized approach, allowing acquired businesses to operate independently.
• Investing in boring businesses can yield extraordinary returns.
• The future growth of Constellation Software may be challenged as it scales.
• Company culture is crucial for long-term success.
• Effective capital allocation is essential for sustained growth.

📌 Links & Mentions:

🌐 Minerva Money Management – https://minervamoneymanagement.co.uk
🌐 Constellation Software – https://www.csisoftware.com/

Subscribe now to the Intelligent Wealth Podcast for weekly episodes on investing, entrepreneurship, financial freedom, and innovative business ideas!

#Constellation Software #investment #Mark Leonard #capital allocation #financial metrics #software industry #growth story #business strategy #leadership #free cash flow

Disclaimer:
The value of investments can rise as well as fall. You may not get back the full amount you invested. The views stated in this podcast are purely personal opinions, not advice. You should always consult a professional for investment advice.
--------------------

Music from #Uppbeat (free for Creators!):
https://uppbeat.io/t/abbynoise/night-...
License code: C4BIIEC6POGUQVDJ

Welcome to another powerful episode of the Intelligent Wealth Podcast, where we explore the intersection of finance, innovation, and entrepreneurship.

In this episode, host Tony Byrne sits down with Freshta Farzam, founder and CEO of LYTE Aviation, a bold aerospace startup developing the Skybus—a revolutionary 40-seater hybrid eVTOL aircraft.

From her roots in Hamburg to pitching her vision on global stages, Freshta shares her journey of turning ambition into impact, and how her company aims to disrupt urban air mobility, sustainable aviation, and the future of transportation.

💡 Key Highlights:

🔹 How Freshta turned personal challenges into entrepreneurial power
🔹 The inspiration behind building a 40-seater hybrid air taxi
🔹 The role of green hydrogen and sustainable aviation fuel in decarbonising air travel
🔹 Why mindset, meditation, and mental clarity are essential tools for success
🔹 Balancing visionary leadership with raising funds and scaling a global business
🔹 Freshta’s long-term vision for AI, climate innovation, and global impact

Whether you're a tech enthusiast, aspiring founder, or someone curious about the future of mobility and clean energy, this conversation is full of insight and inspiration.

📌 Links & Mentions:

🌐 Minerva Money Management – https://minervamoneymanagement.co.uk
🌐 LYTE Aviation – https://lyteaviation.com

Subscribe now to the Intelligent Wealth Podcast for weekly episodes on investing, entrepreneurship, financial freedom, and innovative business ideas!

#Entrepreneurship #eVTOL #SustainableAviation #Finance #WealthCreation #IntelligentWealthPodcast #FreshtaFarzam #AerospaceInnovation #FutureOfFlight

Disclaimer:
The value of investments can rise as well as fall. You may not get back the full amount you invested. The views stated in this podcast are purely personal opinions, not advice. You should always consult a professional for investment advice.
--------------------

Music from #Uppbeat (free for Creators!):
https://uppbeat.io/t/abbynoise/night-...
License code: C4BIIEC6POGUQVDJ

Welcome to another episode of the Intelligent Wealth Podcast, where we uncover the biggest trends in investing, wealth-building, and finance.

Today’s hot debate: Is Bitcoin the future of money or just a high-risk asset?

With Wall Street giants like BlackRock backing Bitcoin ETFs, while legendary investors like Warren Buffett call it “rat poison squared,” the debate is heating up.

📉 Is Bitcoin truly a hedge against inflation?
📈 Does it solve financial system weaknesses?
🤔 Or is it just another speculative bubble?

📊 What You’ll Learn in This Episode:
🔹 How Bitcoin works & its role in decentralised finance
🔹 Why Bitcoin is compared to gold & traditional fiat currencies
🔹 The risks of Bitcoin: volatility, regulation, and security concerns
🔹 The role of BlackRock, ETFs, and Wall Street in Bitcoin’s future
🔹 Is Bitcoin a Ponzi scheme or the greatest financial innovation?
🔹 How to invest in Bitcoin wisely & avoid scams

📌 If you’re curious about Bitcoin, crypto, and investing, this episode is a must-listen!

📌 Links & Resources Mentioned:

🌐 Minerva Money Management Website → https://minervamoneymanagement.co.uk
📖 Bitcoin: The Future of Money? by Dominic Frisbie – A Must-Read for Investors
🎙️ What Bitcoin Did Podcast – The #1 Bitcoin Podcast for Market Insights
📊 Check On Chain by Checkmate – Data-Driven Bitcoin Market Research

Disclaimer:
The value of investments can rise as well as fall. You may not get back the full amount you invested. The views stated in this podcast are purely personal opinions, not advice. You should always consult a professional for investment advice.
--------------------

Music from #Uppbeat (free for Creators!):
https://uppbeat.io/t/abbynoise/night-...
License code: C4BIIEC6POGUQVDJ

Welcome to another episode of the Intelligent Wealth Podcast, where we uncover game-changing investment strategies to help you build financial freedom.

In this episode, Tony Byrne, Carl, and Awet discuss High Shareholder Yield, a key metric combining dividends, share buybacks, and debt reduction.

💡 Why This Matters:
🔹 Dividends Alone Aren’t Enough! Learn how smart investors maximise total returns
🔹 Why Share Buybacks Can Supercharge Your Portfolio 🚀
🔹 How Debt Reduction Boosts Shareholder Value & Lowers Risk
🔹 Case Studies: Visa, Shell, & GSK – How They Allocate Capital
🔹 Why Some Dividend Stocks Are Value Traps & How to Avoid Them

📌 If you want to make smarter investment decisions, this episode is a must-listen!

📌 Links & Resources Mentioned:

🌐 Minerva Money Management Website → https://minervamoneymanagement.co.uk
📖 The Fund by Rob Copeland – Inside Hedge Funds & Ray Dalio’s Investment Tactics
📊 Compounding Quality Report – The Power of Shareholder Yield
📚 Howard Marks – Market Bubbles & Investment Cycles Memo

Disclaimer:
The value of investments can rise as well as fall. You may not get back the full amount you invested. The views stated in this podcast are purely personal opinions, not advice. You should always consult a professional for investment advice.
--------------------

Music from #Uppbeat (free for Creators!):
https://uppbeat.io/t/abbynoise/night-...
License code: C4BIIEC6POGUQVDJ

Welcome to another episode of the Intelligent Wealth Podcast, where we uncover the secrets to building wealth, investing wisely, and navigating the world of finance.

In this episode, host Tony Byrne interviews Anmol Goel, a fund manager and venture capitalist, who shares his journey from humble beginnings in Delhi to raising a £10M fund.

📌 What You’ll Learn in This Episode:
✅ How Anmol raised his first £10M venture capital fund
✅ The best strategies for securing investment from high-net-worth individuals
✅ Why venture capital beats traditional investing
✅ The power of personal branding in finance & investing
✅ The mindset of ultra-wealthy investors & how they make money work for them
✅ How networking at global finance events helped Anmol land investment deals
✅ His biggest investment failures and lessons learned
✅ How to find & approach investors to fund your startup

💡 Whether you're an entrepreneur, investor, or finance enthusiast, this episode is packed with actionable insights to help you grow your wealth and succeed in business!

🎧 Listen Now & Subscribe for More Finance & Investment Insights!

🔗 Resources & Links Mentioned:
🌐 Minerva Money Management – https://minervamoneymanagement.co.uk
📚 The Miracle Morning by Hal Elrod – A guide to mastering your mornings & boosting productivity
📊 FinChat.io – AI-powered financial data & stock research

🔔 Subscribe to the Intelligent Wealth Podcast for weekly episodes on finance, wealth-building, and investment strategies! 🚀

#Finance #Wealth #VentureCapital #Investing #FinancialFreedom #Entrepreneurship #MoneyManagement #PassiveIncome #InvestmentStrategies #AnmolGoel #TonyByrne #StartupFunding #WealthCreation #FinancialSuccess

Disclaimer:
The value of investments can rise as well as fall. You may not get back the full amount you invested. The views stated in this podcast are purely personal opinions, not advice. You should always consult a professional for investment advice.
--------------------

Music from #Uppbeat (free for Creators!):
https://uppbeat.io/t/abbynoise/night-...
License code: C4BIIEC6POGUQVDJ

🎙️ Welcome to Another Episode of the Intelligent Wealth Podcast!

Join Tony Byrne, Carl Roberts, and Awet Ghirmay as they break down the latest trends in finance, investing, and global markets. In this episode, we discuss how quality investing can help you build long-term wealth, why only 4% of stocks have driven nearly all market growth over the last century, and the impact of global economic shifts on your investments.

🔹 What’s Inside This Episode?

📌 Market & Economic Insights:

• Donald Trump’s Re-Election: What it means for investors, Bitcoin, and the US economy.
• The US Debt Crisis: Why a £35.7 trillion debt load is unsustainable and how it affects global markets.
• The UK Labour Budget: Why higher taxes could drive entrepreneurs and investors out of the UK.

📌 Main Topic – Quality Investing:

• What is quality investing, and how does it compare to growth and value investing?
• Why only 4% of stocks have accounted for nearly all stock market gains over the last 96 years.
• Investment Case Studies: Deep dive into KLA Corporation and Games Workshop—two standout high-quality stocks in the Intelligent Wealth Fund.

📌 Book & Resource Recommendations:
📖 100-Bagger by Chris Mayer – How to turn £10,000 into £1 million with smart investing.
📖 The New Confessions of an Economic Hitman by John Perkins – Shocking insights into the hidden world of economic manipulation.
📖 The Art of Quality Investing by Compounding Quality – Mastering the art of long-term wealth creation.

🔗 Mentioned Links & Resources:

• 🌍 Minerva Money Management Website
• 📚 Compounding Quality Newsletter

💡 Love this episode? Here’s how you can support us!
✅ Subscribe & leave a review on Apple Podcasts or your favourite podcast platform—it helps us grow and bring on more expert guests!
✅ Follow us on social media for more investing insights and updates!

👉 Got questions or topics you’d love us to cover? Drop us a message—we’d love to hear from you!

🔔 Stay tuned for our next episode on intelligent investing strategies and market insights!

#Investing #StockMarket #QualityInvesting #WealthBuilding #Bitcoin #FinancePodcast #MoneyManagement #SmartInvesting #FinancialFreedom #EconomicTrends #DonaldTrump #USDebt #FinancialEducation #PassiveIncome #MinervaMoney #StockMarketInvesting #IntelligentWealth

Disclaimer:
The value of investments can rise as well as fall. You may not get back the full amount you invested. The views stated in this podcast are purely personal opinions, not advice. You should always consult a professional for investment advice.
--------------------

Music from #Uppbeat (free for Creators!):
https://uppbeat.io/t/abbynoise/night-...
License code: C4BIIEC6POGUQVDJ

In this special edition episode of the Intelligent Wealth Podcast, Cholpon sits down with Tony for an inspiring conversation on wealth creation, investment strategies, and unconventional personal habits for success.

From understanding the power of a people-first approach in business to exploring long-term offshore funds for high-net-worth investors, this episode is a treasure trove of insights for finance enthusiasts.

Tony also shares his unique daily ritual of cold immersion—an approach that sharpens focus and builds resilience. Whether you're a seasoned investor or just starting your financial journey, this episode will leave you with actionable takeaways to elevate your mindset and portfolio.

What You’ll Learn:

• Why people-first strategies lead to business success
• The value of offshore funds for long-term growth
• How cold immersion boosts mental clarity and resilience

This episode is for informational purposes only and is not financial advice. Always consult with a professional before making investment decisions.

Listen now and discover how to make smarter financial choices and live a more abundant life!

Disclaimer:
The value of investments can rise as well as fall. You may not get back the full amount you invested. The views stated in this podcast are purely personal opinions, not advice. You should always consult a professional for investment advice.
--------------------

Music from #Uppbeat (free for Creators!):
https://uppbeat.io/t/abbynoise/night-...
License code: C4BIIEC6POGUQVDJ

🎙️ Welcome to the latest episode of the Intelligent Wealth Podcast!

In this thought-provoking episode, Tony Byrne, Managing Director of Minerva Money Management, is joined by Graham Rowan, an international speaker, TV presenter, and author with decades of experience working with high-net-worth investors and family offices. Together, they explore the intersection of financial education, private equity, and creating lasting wealth.

Episode Highlights:

• Graham Rowan’s Journey: Discover how Graham transitioned from a working-class upbringing in the UK to a career in IT, eventually finding his calling in private equity and financial education.
• The 8-Figure Journey Club: Get the scoop on Graham’s upcoming program designed to help property investors and business owners grow their net worth from seven to eight figures through strategic private equity investments.
• Lessons from the Legends: Insights from Jim Rogers, Charlie Munger, and other investment icons on patience, long-term thinking, and disciplined wealth building.
• Living Where You’re Treated Best: Why Graham relocated to Portugal for better tax benefits, lifestyle, and financial freedom — and how other investors can follow suit.
• The Critical Role of Financial Education: Tony and Graham emphasize the importance of living within your means, investing wisely, and understanding key principles to achieve financial independence.

Mentioned in This Episode:

• Beaufort Private Equity Network: A global network of high-net-worth investors and family offices.
• Nomad Capitalist by Andrew Henderson: A guide to finding countries that treat you best.
• Daylight Robbery by Dominic Frisbie: Insights into how tax-friendly policies impact personal and economic freedoms.

Links: 🌐 Visit Minerva Money Management for more resources and insights.
📚 Check out Graham Rowan’s books and upcoming programs.

Disclaimer:
The value of investments can rise as well as fall. You may not get back the full amount you invested. The views stated in this podcast are purely personal opinions, not advice. You should always consult a professional for investment advice.
--------------------

Music from #Uppbeat (free for Creators!):
https://uppbeat.io/t/abbynoise/night-...
License code: C4BIIEC6POGUQVDJ