Afleveringen
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Which is better in the long run- adding extra cash to super? OR to your own portfolio instead? Jess wants to know.
Jess’ Superannuation balance is smaller than it should be, for her age. As those who’ve followed her investing journey will know, deciding what to about it- has been tricky for her.
And she’s not alone. Community member Matt also wants to know the benefits of over putting extra cash in super over in the market himself.
So Julie Bullen, Financial Advisor at Fox & Hare joins the show to run the numbers. Can she convince Jess that she’ll be rewarded in the long run for investing in Super now?
Chapters:
00:00:00 Why Where You Invest Matters
00:01:12 Matt's Question
00:02:30 Super Is A Structure, Not A Product
00:05:00 Jess's Super Balance Reality Check
00:06:30 The Case For Contributing To Super
00:08:34 Breaking Down Jess's Money Split
00:10:00 First Home Super Saver Scheme
00:12:30 The Real Numbers On $500 A Month
00:15:00 Flexibility Vs Two Buckets
00:16:34 Can The Government Change The Rules?
00:17:57 What the CGT Changes Mean
00:19:32 Julie's Own Super Story
00:21:30 Jess's Final Projected Numbers
00:23:54 Start Small And Start Now
Links mentioned in this episode:
📞. Have a question? Send it to Jess here
📩 Sign up to the Get Started Investing newsletter here
📩 Share your investing story with us submit here
🎟️ FinFest tickets - Buy early bird tickets here
🗣️ Think you might want a financial adviser from the team at Fox and Hare? We can put you in touch
Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.
———
In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.
———
Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes only. Any advice is general advice, and has not taken into account your personal financial circumstances. Before acting on general advice, you should consider if it is relevant to your needs. If you are unsure, please speak to a financial professional. The hosts of this podcast and their guests may have positions in the companies mentioned. Equity Mates Media is part of the Betashares group but maintains editorial independence.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.
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Three months ago, Jess wasn't an investor. That has changed through out the past 12 episodes- in fact, she has a whole new lease on her financial life.
Clear goals, a solid portfolio and and the confidence in herself to keep investing.
In this final episode of ‘Jess Gets Investing’ Jess sit’s down with Bryce and Ren to reveal her final portfolio; (including her first ever stock pick and a thematic ETF), what she learned from finally getting invested and what is next for Get Started Investing.
Chapters:
00:00:00 The Portfolio Reveal
00:02:27 The Three-ETF Core Strategy
00:07:06 Turning Sushi Into Investments
00:09:04 Is This Stock Still A Buy?
00:17:18 The Super Decision
00:20:00 Stop Comparing Your Portfolio
00:23:00 What Jess Wants To Learn Next
00:25:16 The Advice That Stuck
Links mentioned in this episode:
📩 Sign up to the Get Started Investing newsletter here
📩 Share your investing story with us submit here
🎟️ FinFest tickets - Buy early bird tickets here
🎧 Listen to the Equity Mates Investing Podcast episode covering AINF
Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.
———
Thanks to Betashares Direct for sponsoring this series and helping us keep our content free.
If you've been listening along thinking 'okay, I'm ready to start', this is your sign.
Betashares Direct is giving Jess Gets Investing listeners $25 to invest in Betashares ETFs and portfolios.
Enter JESS25 once you sign up at betashares.com.au/direct (the redeem a code section is in account settings)
Disclaimer: Betashares Capital Ltd (ABN 78 139 566 868 AFSL 341181) is the issuer of the Betashares Funds, as well as Betashares Invest, the IDPS-like scheme available via Betashares Direct. Read the relevant Product Disclosure Statement and Target Market Determination, available at www.betashares.com.au, before making an investment decision. This information is general in nature and doesn’t take into account any person’s financial objectives, situation or needs. You should consider its appropriateness taking into account such factors and seek professional financial advice. Customers are not permitted to participate in more than one Betashares offer, promotion or incentive at the same time. If you are currently participating in, or have accepted, any other Betashares offer, you will not be eligible for this offer unless expressly stated otherwise. The $25 will expire in 60 days from receipt if not used to make an investment.
———
In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.
———
Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.
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Zijn er afleveringen die ontbreken?
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Jess just made her first investing “mistake”. A purchase she made, regretted and then almost immediately sold. She thought starting investing was the hard part! It turns out that staying invested- despite what life or the market throws at you- is the hardest part.
To avoid making the same mistake again, Jess wants to automate the investing process.
To find out how, she sat down with Jess Brady, a former financial adviser turned money educator and author of Get Growing. They walk through how to set up systems and techniques to help you stay invested long term.
Plus friend of the show and thrifty Aussie investor- Bree on a Budget pays Jess a visit! They chat through Bree’s best frugal tips to keep the space in your budget to stay investing consistently.
Chapters:
00:00:00 Staying Invested Is The Real Challenge
00:03:03 The Question Every Investment Needs
00:07:12 Automate Investing And Avoid Mistakes
00:11:44 Prepare For The Bear
00:17:21 How Often Should You Check?
00:20:38 When Life Changes The Plan
00:27:38 Spending Habits That Build Wealth
Links mentioned in this episode:
📩 Sign up to the Get Started Investing newsletter here
📩 Share your investing story with us submit here
🎟️ FinFest tickets - Buy early bird tickets here
👋 Check out Jess’ new book, ‘Get Growing’ here, or follow her instagram or website
👋 Hear more from Bree on instagram or TikTok
Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.
———
Thanks to Betashares Direct for sponsoring this series and helping us keep our content free.
Betashares Direct is giving Jess Gets Investing listeners $25 to invest in Betashares ETFs and portfolios. It's an easy way to test the platform, see how it feels to own a piece of the market. Enter JESS25 once you sign up at betashares.com.au/direct (the redeem a code section is in account settings)
Betashares Capital Ltd (ABN 78 139 566 868 AFSL 341181) is the issuer of the Betashares Funds, as well as Betashares Invest, the IDPS-like scheme available via Betashares Direct. Read the relevant Product Disclosure Statement and Target Market Determination, available at www.betashares.com.au, before making an investment decision. This information is general in nature and doesn’t take into account any person’s financial objectives, situation or needs. You should consider its appropriateness taking into account such factors and seek professional financial advice. Customers are not permitted to participate in more than one Betashares offer, promotion or incentive at the same time. If you are currently participating in, or have accepted, any other Betashares offer, you will not be eligible for this offer unless expressly stated otherwise. The $25 will expire in 60 days from receipt if not used to make an investment.
———
In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.
———
Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.
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Jess wants to venture beyond ETFs to the world of stocks. Eeek- intimidating!
After deciding to set up a Core-Satellite portfolio, she is keen to explore adding that some individual companies to the Satellite.
But she’s never bought a stock before, let alone analysed a company. So where on earth should she begin?
Who better to answer that then a professional investor who picks stocks for a living.
Anna Milne, Deputy Portfolio Manager at Wilson Asset Management joins to the show to teach Jess what an absolute beginner needs to know about buying stocks - things like:
How to start researching a company.Where to find the information you need.The Red & Green flags to look for.Plus - Jess meets a community member who’ll be a familiar face to any AFL fans- Chad Warner from the Sydney Swans. They chat about how he caught the stock picking bug and what he has in his portfolio.
Chapters:
00:00:00 How Do You Pick Stocks?
00:02:10 What Stock Picking Really Means
00:04:19 How Experts Find Ideas
00:07:50 The Research Most Ignore
00:10:05 Green Flags to Watch For
00:12:58 Warning Signs To Watch For
00:16:42 Great Business But Bad Buy?
00:20:36 When is Enough Research?
00:25:09 Mistakes Beginners Make
00:27:49 Chad Warner's Investing Journey
00:31:49 Inside Chad's Portfolio
00:36:00 The Investing "Bug"
00:38:38 Chad's Advice For Beginners
Links mentioned in this episode:
📩 Sign up to the Get Started Investing newsletter here
📩 Share your investing story with us submit here
🎟️ FinFest tickets - Buy early bird tickets here
Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.
———
Betashares Direct is giving Jess Gets Investing listeners $25 to invest in Betashares ETFs and portfolios.
Enter JESS25 once you sign up at betashares.com.au/direct (the redeem a code section is in account settings)
Betashares Capital Ltd (ABN 78 139 566 868 AFSL 341181) is the issuer of the Betashares Funds, as well as Betashares Invest, the IDPS-like scheme available via Betashares Direct. Read the relevant Product Disclosure Statement and Target Market Determination, available at www.betashares.com.au, before making an investment decision. This information is general in nature and doesn’t take into account any person’s financial objectives, situation or needs. You should consider its appropriateness taking into account such factors and seek professional financial advice. Customers are not permitted to participate in more than one Betashares offer, promotion or incentive at the same time. If you are currently participating in, or have accepted, any other Betashares offer, you will not be eligible for this offer unless expressly stated otherwise. The $25 will expire in 60 days from receipt if not used to make an investment.
Thanks to Betashares Direct for sponsoring this series and helping us keep our content free.
———
In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.
———
Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.
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Jess has officially started investing! After months of setting goals, learning the ropes and building confidence- she’s finally started a portfolio of well diversified index ETFs.
But now she’s wondering…what’s next?
Should she look at buying stocks too? Thematic ETFs? Once you've got your foundation in place, how do you build upon it without turning your portfolio into a random collection of ideas you heard online?
So Jess sat down with Host and Financial Advisor at Rask, Gemma Mitchell, to find out about the core-satellite approach to investing. And it might just be the perfect way to keep on track with her goals and have fun with her portfolio at the same time.
Plus she speaks to community member Alex about how he took things up a notch after setting up a very similar ETF portfolio to Jess.
Chapters:
00:00:00 Intro
00:02:22 What is portfolio construction?
00:05:23 Core vs satellite explained
00:07:36 What can go in a satellite
00:10:01 Fitting a satellite into your DCA strategy
00:14:43 Why we get bored of passive investing
00:16:22 How much is too much satellite?
00:19:27 Using bonuses for satellite buys
00:21:53 Alex's story: building beyond the core
00:25:00 Alex's three satellite buckets
Links mentioned in this episode:
📩 Sign up to the Get Started Investing newsletter here
📩 Share your investing story with us submit here
🎟️ FinFest tickets - Buy early bird tickets here
Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.
———
Thanks to Betashares Direct for sponsoring this series and helping us keep our content free.
If you've been listening along thinking 'okay, I'm ready to start', this is your sign.
Betashares Direct is giving Jess Gets Investing listeners $25 to invest in Betashares ETFs and portfolios.
It's an easy way to test the platform, see how it feels to own a piece of the market and get past the bit where you're just thinking about investing instead of doing it.
Enter JESS25 once you sign up at betashares.com.au/direct (the redeem a code section is in account settings)
Betashares Capital Ltd (ABN 78 139 566 868 AFSL 341181) is the issuer of the Betashares Funds, as well as Betashares Invest, the IDPS-like scheme available via Betashares Direct. Read the relevant Product Disclosure Statement and Target Market Determination, available at www.betashares.com.au, before making an investment decision. This information is general in nature and doesn’t take into account any person’s financial objectives, situation or needs. You should consider its appropriateness taking into account such factors and seek professional financial advice. Customers are not permitted to participate in more than one Betashares offer, promotion or incentive at the same time. If you are currently participating in, or have accepted, any other Betashares offer, you will not be eligible for this offer unless expressly stated otherwise. The $25 will expire in 60 days from receipt if not used to make an investment.
———
In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.
———
Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.
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Today is the day Jess makes her very first investments!! Bryce and Ren are back to hear what she has decided to buy.
She’s spent weeks learning the ropes - working on her mindset, building a budget, setting goals, understanding ETF’s…
But hasn’t actually put any money into the market. Until now.
Chapters
00:00:00 First Investment And Goals
00:04:03 Cash Versus Super Strategy
00:08:10 Emergency Buffer And ETF Mix
00:11:31 Long Term Growth Projections
00:13:45 Emerging Markets Discussion
00:17:15 Live Trades And Investor Mindset
Links Mentioned in this episode:
📩 Sign up to the Get Started Investing newsletter here
📩 Share your investing story with us submit here
🎟️ FinFest tickets - Buy early bird tickets here
Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.
———
Thanks to Betashares Direct for sponsoring this series and helping us keep our content free. Check it out at betashares.com.au/direct
Betashares Capital Ltd (ABN 78 139 566 868 AFSL 341181) is the issuer of Betashares Invest, the IDPS-like scheme available via Betashares Direct. Read the relevant Product Disclosure Statement and Target Market Determination, available at www.betashares.com.au/direct, before making an investment decision. This information is general in nature and doesn’t take into account any person’s financial objectives, situation or needs. You should consider its appropriateness taking into account such factors and seek professional financial advice.
———
In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.
———
Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.
Hosted on Acast. See acast.com/privacy for more information.
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Jess has downloaded countless investing apps. You name the broker and she’s probably set up an account. But there’s a catch- she’s never actually used any of them.
She sets up the account, gets overwhelmed and doesn’t open it again. To start investing- that has to change.
It’s time to choose a brokerage platform; the place where she will buy ETFs. So Jess put together a checklist to help her choose one that suits her needs.
Rather than just talk the checklist in theory, she wanted to run a real platform through it.
BetaShares Direct, who is supporting this series, agreed to let her do exactly that. Jess sit’s down with Head of Product at Betashares Direct, Matt Fish. Together they walk though her checklist one by one to see how Betashares Directs stacks up. Plus Jess asks all the questions probably also running through your head when using a brokeage app for the first time.
There is not one “right” platform, it’s about ensuring you pick one that works for you. You can use this checklist to compare any broker you’re looking at.
Chapters
00:00 Intro
02:06 What is a brokerage platform?
05:41 What can I actually invest in?
06:54 What are the fees?
09:38 How is my money held? CHESS vs custodial
12:53 How does tax reporting work?
15:06 Anything else to consider when choosing a platform?
16:52 How do I actually make my first investment?
19:41 Can I automate recurring investments?
21:07 How to sell an ETF
21:28 What else a beginner should know
23:55 Trends Matt sees with beginner investors
Links Mentioned in this episode:
📩 Sign up to the Get Started Investing newsletter here
📩 Share your investing story with us Submit here
🎟️ FinFest tickets - Register for early bird here
Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.
———
Thanks to Betashares Direct for sponsoring this series and helping us keep our content free. Check it out at betashares.com.au/direct
Betashares Capital Ltd (ABN 78 139 566 868 AFSL 341181) is the issuer of Betashares Invest, the IDPS-like scheme available via Betashares Direct. Read the relevant Product Disclosure Statement and Target Market Determination, available at www.betashares.com.au/direct, before making an investment decision. This information is general in nature and doesn’t take into account any person’s financial objectives, situation or needs. You should consider its appropriateness taking into account such factors and seek professional financial advice.
———
In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.
———
Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.
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Jess wants to start investing using ETFs. Small problem - there are hundreds on the Australian market - how is she supposed to choose which to invest in?
Not to worry, Shani Jayamanne, ETF expert and Investment Specialist at Morningstar joins Jess to explain in simple terms:
What ETFs actually are and how they work.How to choose ETFs (including fees, allocation, holdings- explained).The biggest mistakes beginners make with ETFs and how to avoid them.Plus Jess catches up with a long time listener of the show, Cooper, to hear how he got started with ETFs and has used them to revamp his portfolio along the way.
Chapters:
00:00 Why ETFs Feel So Confusing
00:03:00 The Easiest Way To Understand ETFs
00:06:30 Cut Through Thousands Of Options
00:10:30 Build A Portfolio That Hits Your Goal
00:15:30 The Cost Mistake To Avoid Early
00:19:30 What A Real Beginner Actually Did
Links Mentioned in this episode:
🔍 Shani's Articles - the 3 ETF Portfolio and this report about fees
📩 Sign up to the Get Started Investing newsletter here
📩 Share your investing story with us Submit here
🎟️ FinFest tickets - Register for early bird here
Want to hear more from Shani? She’s written a book! Check out ‘Invest Your Way’ here. Or browse all her Morningstar articles here
Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.
———
Thanks to Betashares Direct for sponsoring this series and helping us keep our content free. Check it out at betashares.com.au/direct
Betashares Capital Ltd (ABN 78 139 566 868 AFSL 341181) is the issuer of Betashares Invest, the IDPS-like scheme available via Betashares Direct. Read the relevant Product Disclosure Statement and Target Market Determination, available at www.betashares.com.au/direct, before making an investment decision. This information is general in nature and doesn’t take into account any person’s financial objectives, situation or needs. You should consider its appropriateness taking into account such factors and seek professional financial advice.
———
In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.
———
Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.
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Now that Jess has set her financial goals, how should she put her money to work so she can meet them?
She knows she wants to invest, should she be saving too? What about superannuation?
Financial Adviser, Glen Hare from Fox & Hare is back to help Jess figure out her priorities and allocate accordingly.
Chapters:
00:00 What Would You Do With Extra Income
00:43 Setting Goals That Actually Work
03:11 Splitting $3k Wisely
10:26 Investing For Long Term Wealth
13:33 Why Super Is More Powerful Than You Think
22:45 Turning Advice Into A Clear Plan
26:37 How Real People Use Their Money
Join our community of beginner investors; sign up to the Get Started Investing newsletter here
Share your investing story with us Submit here
If you want to get in touch with Glen Hare we can put you in touch here
Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.
———
Thanks to Betashares Direct for sponsoring this series and helping us keep our content free. Check it out at betashares.com.au/direct
Betashares Capital Ltd (ABN 78 139 566 868 AFSL 341181) is the issuer of Betashares Invest, the IDPS-like scheme available via Betashares Direct. Read the relevant Product Disclosure Statement and Target Market Determination, available at www.betashares.com.au/direct, before making an investment decision. This information is general in nature and doesn’t take into account any person’s financial objectives, situation or needs. You should consider its appropriateness taking into account such factors and seek professional financial advice.
———
In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.
———
Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.
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Ever wondered what it's like to meet with a financial adviser? Or how they actually help with your finances? Jess had.
So in this episode, she has her very first meeting with a financial adviser; Glen Hare from Fox & Hare.
We are keeping this series as real as possible - so Jess and Glen's chat is just how a first meeting with an advisor would happen in real life.
This recording was the first time the two had met and Glen takes Jess through the same process as any new client.
But before she met with Glen, Jess caught up with community member Andrew. He shared how working with a financial advisor changed his money life for the better and gave Jess some tips on how to approach the first meeting.
Chapters:
00:00 Jess Faces First Advice Session
05:15 Listener Andrew Shares His Turnaround
10:25 Glen Maps Jess Money Goals
16:25 Super, Insurance And Big Decisions
22:17 Planning For An Unknown Future
28:26 Dream Life By The Water
Join our community of beginner investors; sign up to the Get Started Investing newsletter here
Share your investing story with us Submit here
If you want to get in touch with Glen Hare we can put you in touch here
Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.
———
Thanks to Betashares Direct for sponsoring this series and helping us keep our content free. Check it out at betashares.com.au/direct
Betashares Capital Ltd (ABN 78 139 566 868 AFSL 341181) is the issuer of Betashares Invest, the IDPS-like scheme available via Betashares Direct. Read the relevant Product Disclosure Statement and Target Market Determination, available at www.betashares.com.au/direct, before making an investment decision. This information is general in nature and doesn’t take into account any person’s financial objectives, situation or needs. You should consider its appropriateness taking into account such factors and seek professional financial advice.
———
In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.
———
Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.
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Before investing a single cent, you need to get your cashflow sorted.
So today we step into the practical side of things; budgeting, savings rates, and the systems that make investing possible.
To set up a system she will actually stick to, Jess speaks to Glen James- host of the Money Money Money podcast and former financial adviser.
Plus Jess receives some much needed encouragement from listener Phoebe, who shares her story that the dreaded admin of setting up your money right, is well worth it.
By the end of this episode, Jess will walk away with a realistic (and surprisingly generous) savings rate and budgeting framework- and you can too!
Chapters:
00:00 Do This Before You Invest
02:02 The Financial House Framework
04:48 Why Systems Beat Good Intentions
09:42 Fixing Jess’ Money Flow
12:23 The Budget That Changed Everything
16:01 Setting Up Money Buckets
20:12 Real Example of Chaos to Control
23:05 How Systems Kill Money Anxiety
Join our community of beginner investors; sign up to the Get Started Investing newsletter here
Share your investing story with us Submit here
Check out the Glen James Spending Plan here
Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.
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Thanks to Betashares Direct for sponsoring this series and helping us keep our content free. Check it out at betashares.com.au/direct
Betashares Capital Ltd (ABN 78 139 566 868 AFSL 341181) is the issuer of Betashares Invest, the IDPS-like scheme available via Betashares Direct. Read the relevant Product Disclosure Statement and Target Market Determination, available at www.betashares.com.au/direct, before making an investment decision. This information is general in nature and doesn’t take into account any person’s financial objectives, situation or needs. You should consider its appropriateness taking into account such factors and seek professional financial advice.
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In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.
———
Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.
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Jess wants start investing. She’s tried to start before but every time- she freezes, chickens out, or puts it off entirely.
So what’s actually holding her back?
Jess sits down with Money Coach Karen Eley to unpack the psychology behind her hesitation. They explore how early money experiences, beliefs, and behaviours can shape the way we think about investing - often without us even realising it.
Plus, Jess chats with Equity Mates community member Rebecca, who shares her journey from financial avoidance to building consistent investing habits. Proof that change is possible, no matter where you’re starting from.
By the end of the episode, Jess will understand what’s holding her back and walk away with practical strategies to finally take that first step.
Chapters:
00:00 The Real Reason You Feel Stuck
05:54 You Are Not Too Late To Start
09:54 Knowing Isn’t Enough To Act
13:54 Hidden Beliefs Driving Money Habits
22:15 Why Saving And Investing Feels Scary
29:11 Build Self Trust And Break The Cycle
Join our community of beginner investors; Sign up to the Get Started Investing newsletter here
Share your investing story with us Submit here
Get in touch with Karen or take her money type quiz here
Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.
———
Thanks to Betashares Direct for sponsoring this series and helping us keep our content free. Check it out at betashares.com.au/direct
Betashares Capital Ltd (ABN 78 139 566 868 AFSL 341181) is the issuer of Betashares Invest, the IDPS-like scheme available via Betashares Direct. Read the relevant Product Disclosure Statement and Target Market Determination, available at www.betashares.com.au/direct, before making an investment decision. This information is general in nature and doesn’t take into account any person’s financial objectives, situation or needs. You should consider its appropriateness taking into account such factors and seek professional financial advice.
———
In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.
———
Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.
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Our colleague Jess has been keeping a secret. During a 10 year career in the finance industry, she had never told a soul- until now.
Jess has never invested.
She wanted to start, she knew how to start (even listened to our 12 Steps to Get Started three times.)
But she has not started.
So why not start now and document the journey?
Over the course of the next 12 episodes, Jess will start investing- in real time. Each week, she’ll speak to an expert who will walk her through the steps, answer her questions and help her take action to get invested. Plus she’ll chat to Equity Mates community members about their investing journey, getting real-world advice from all walks of life.
If you’ve been delaying investing or have someone in your life who wants to- this is the sign to start and go on the journey with her.
Chapters:
00:00:00 Why Jess Said Yes To This Series
00:03:04 A Finance Career Without Investing
00:07:21 The Lifestyle Shift Boosting Her Savings
00:10:21 The Moment She Backed Out
00:13:09 What It Will Take To Start Investing
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Join our community of beginner investors; Sign up to the Get Started Investing newsletter here
Want to share your investing story? Submit here or DM us on Instagram
Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.
———
Thanks to Betashares Direct for sponsoring this series and helping us keep our content free. Check it out at betashares.com.au/direct
Betashares Capital Ltd (ABN 78 139 566 868 AFSL 341181) is the issuer of Betashares Invest, the IDPS-like scheme available via Betashares Direct. Read the relevant Product Disclosure Statement and Target Market Determination, available at www.betashares.com.au/direct, before making an investment decision. This information is general in nature and doesn’t take into account any person’s financial objectives, situation or needs. You should consider its appropriateness taking into account such factors and seek professional financial advice.
———
In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.
———
Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.
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Congratulations, you’ve made it to the final episode of this series!
To wrap up this journey, we leave you with the most important lesson yet- how to get out of your own way by automating your investing.
Now you’ve heard these 12 Steps- you have all the tools you need to improve your financial future.
It’s time to go forth and use them! If you’ve enjoyed / found value in this series, please join us in our mission to make Australia more financially literate and share it with others.
In this episode you will learn:
• How your brain stops you being a great investor
• Why automation is so powerful
• Other tips to remain consistent and focus on what matters
• 3 key tips from Patrick O’Shaugnessy, one of our favourite investors
Chapters:
00:00 - Beat Your Brain’s Biases
04:27 - Your Future Self Not a Stranger
06:19 - How We Automate Investing
09:03 - Other Ways We Overcome Biases
12:04 - Three Tips To Leave You With
14:04 - You Have The Tools, Now Use Them
Links Mentioned:
📖 Patrick O’Shaugnessy Millennial Money (terrible title, great book).
🎧 Episode on Brokers.
This is Part 12 of our 12 step series sharing everything we’ve learned about investing to help you get started, or to remind you of why it’s so important.
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Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.
———
In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.
———
Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.
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So far you’ve learnt how to build a portfolio, now we get into the specifics of how to buy shares plus keep it regular and less stressful!
You’ll hear our best tips for buying and selling your investments to help stay on track for the long term.
In this episode you will learn:
• How do I actually buy shares or ETFs?
• 3 ways of ordering shares: Market, Limit, Stop
• Why we don’t time the market
• The power of dollar cost averaging (DCA)
• Knowing when to sell
Links Mentioned:
📕 Just keep buying by Nick Maggiulli
Chapters:
00:00 - Three Types of Buying
7:54 - Never Try to Time the Market
11:07 - Introducing Dollar Cost Averaging (DCA)
13:40 - Buying the Dip vs DCA
15:56 - Three Signs You Should Sell
This is Part 11 of our 12 step series sharing everything we’ve learned about investing to help you get started, or to remind you of why it’s so important.
———
Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.
———
In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.
———
Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.
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Investing with an expert or ‘active manager,' is not something you need to add to your portfolio. But if you do, you have to know why you’re doing it and choose an expert well.
We walk you through our reasons for investing with an expert and the 6 factors we use when looking for one.
In this episode you will learn:
How you can invest with experts Why the experts don’t always get better returns What to look for when choosing an expert How we include expert investors in our portfolioLinks Referenced: Morning Star ETF List
Chapters:
00:00 - What is Active Management?
06:45 - 6 Factors to Choosing an Expert
11:10 - Do you need one?
13:25 - Active in Our Portfolios
This is Part 10 of our 12 step series sharing everything we’ve learned about investing to help you get started, or to remind you of why it’s so important.
———
Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.
———
In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.
———
Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.
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It's time in this series introduce the world of single stock investing- finding and investing in great companies through the stock market.
We’re cranking the investing lessons up a notch and going beyond the basics of ETFs.
So how you find a good company to invest in? What do you need to look for? and where?
You've probably heard legends of everyday people who invested in the early days of Apple or Microsoft and made millions. It might not always be as flashy as those tales- but investing in companies through the stock market can be a powerful way to build wealth and we think a great way to learn about the world around you.
In this episode you'll learn:
Why invest in companies?Three ways to narrow down your choices4 steps to find a great companyKey tips when buying individual companiesLinks referenced:
Download our free 4-step stock checklist
Other resources we mentioned: https://www.reddit.com/r/SecurityAnalysis/, TIKR, GuruFocus, quartr
This is Part 9 of our 12 step series sharing everything we’ve learned about investing to help you get started, or to remind you of why it’s so important.
———
Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.
———
In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.
———
Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.
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What is a portfolio? And how do you create one?
Essentially it’s a collection of investments. The financial products you invest in, make up your portfolio.
Importantly, it shouldn’t be random- there are simple principles guide building a portfolio. All to make sure it actually works for you and your goals.
In this episode you will learn:
· What is a portfolio?
· What to think about: goal, time horizon, risk tolerance
· The importance of diversification
· How we approach our portfolios: Core & Satellite
· Other ways to construct a portfolio
This is Part 8 of our 12 step series sharing everything we’ve learned about investing to help you get started, or to remind you of why it’s so important.
Chapters:
00:00 Setting a Portfolio Goal
04:02 Time Horizon
06:22 Risk Tolerance
08:22 Importance of Diversification
11:01 Core and Satellite
13:26 Other Ways to Build Portfolios
15:20 What is Rebalancing
17:01 Make it Easy For Yourself
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Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.
———
In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.
———
Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.
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Introducing the simple investor’s best friend… the index ETF.
You don’t have to be an expert on financial markets to be an investor. In fact, it’s arguably easier today than it’s ever been to invest and most of that is thanks to our friend; index ETFs.
In this episode you will learn:
What we would buy if we were starting again todayWhat is an indexDifferent indexes around the worldHow you can buy an index: ETFsWhy an index is all you needChapters:
This is Part 7 of our 12 step series sharing everything we’ve learned about investing to help you get started, or to remind you of why it’s so important.
———
Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.
———
In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.
———
Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.
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Once you’ve decided what to invest in, how do you actually make an investment?
If you're investing outside of superannuation, you’ll need to use a broker.
But which broker should you use? It’s one of the most frequent questions we get from people starting their investing journey.
There are so many of them available, it can be hard to know where to start. But no need to stress, that’s why we’re here and making this series!
In this episode you’ll learn:
· The two ways every person can invest
· What is a broker?
· The 4 factors we use when choosing a broker (and why they matter):
· Which brokers we use
This is Part 6 of our 12 step series sharing everything we’ve learned about investing to help you get started, or to remind you of why it’s so important.
Chapters:
00:00:00 The First Choice Every Investor Makes
00:02:21 Super Or Outside: Your Two Options
00:05:05 Why You Need A Broker
00:06:41 The Four Broker Rules We Use
00:11:20 Avoid Dodgy Fees And Products
00:15:40 Brokers That Tick The Boxes
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Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.
———
In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.
———
Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.
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