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Speaker 1: Cura Tatou. Welcome to this special episode of Shared Lunch

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Speaker 1: called Brooker Hoo. I'm Brook Roberts, one of the co

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Speaker 1: founders and Coco's at Cheza's, and I'm really fortunate to

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Speaker 1: be here with the fellow co founders and co CEOs

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Speaker 1: of Chezia's, Leyton and Sonya. Usually we have some experts

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Speaker 1: or business leaders in, but I've got you lot also

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Speaker 1: experts and business when we're here. In this special episode,

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Speaker 1: we're going to peel back what we've been doing here

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Speaker 1: at Chezy's over the last year and talk a bit

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Speaker 1: about where we're going. And I've heard that there is

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Speaker 1: this box with some sweet competition that we're going to

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Speaker 1: have to have, which we know that we love a

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Speaker 1: bit of competition amongst us, so bring it on.

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Speaker 2: Investing involves a risk you might lose the money you

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Speaker 2: start with. We recommend talking to a licensed financial advisor.

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Speaker 2: We also recommend reading product disclosure documents before deciding to invest.

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Speaker 2: Everything you're about to see and here is current at

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Speaker 2: the time recording.

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Speaker 1: You might hear some jingles in the background. Sonya and

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Speaker 1: I are wearing antlea airs and some sweet as Christmas

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Speaker 1: tops that the team set us up in but Laton

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Speaker 1: has the most ridiculous head piece on that makes them

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Speaker 1: look like a Christmas tree. I don't really know how

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Speaker 1: to explain it, but why you calls themselves the star

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Speaker 1: of the shows because at the top of the Christmas

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Speaker 1: tree there's a star and he says he's here with

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Speaker 1: two goats and he's the star. So that is what

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Speaker 1: is audibly visually aptic right out.

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Speaker 3: You do both, and thankfully I haven't seen me.

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Speaker 1: Yet to kick off, Well, how are you feeling? How

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Speaker 1: has this here been? What are you been reflecting on?

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Speaker 1: Have you even got to that yet?

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Speaker 3: Look, firstly, I think the way investors on the investing

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Speaker 3: platform have stuck to their guns. We've grown the number

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Speaker 3: of auto investors on the platform for a tough economy,

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Speaker 3: and my personal view as we're coming out of that now,

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Speaker 3: and I know things are still tough out there, but

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Speaker 3: with interest rates dropping, inflation much lower, I think my

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Speaker 3: personal view again, we're probably at the start of an

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Speaker 3: ext good cycle, so an opportunity for some people to

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Speaker 3: really grow their wealth. And then I'll add one more,

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Speaker 3: which is cheersy's really becoming a wealth fap. So we've

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Speaker 3: got a bunch of people saving on the platform. We've

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Speaker 3: got a bunch of people ensuring their cars on the platform,

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Speaker 3: We've got a bunch of people saving for retirement in

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Speaker 3: their first home, and the key receiver, and I'm really

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Speaker 3: excited for all the things we can deliver over the

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Speaker 3: next year there too.

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Speaker 4: I'm personally feeling like I guess it's stunning in Wellington

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Speaker 4: at the moment, and that always brings quite a nice

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Speaker 4: vibe to the end of the year, sitting back, you

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Speaker 4: know where we started the air. Of course, there's been

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Speaker 4: so much that's happened in the external environment. There has

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Speaker 4: been a lot of change and shift about I think

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Speaker 4: really I'm coming into the year, especially like from Cheerze's perspective,

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Speaker 4: feeling really proud of what we've achieved as a team.

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Speaker 4: We started Cheersy's trying to make it easy to invest,

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Speaker 4: and I think the change that we're making now into

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Speaker 4: the future around really helping people grow their wealth and

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Speaker 4: laying some of the foundation for that. And this year

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Speaker 4: and over the past few years seeing that come to

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Speaker 4: life has been hugely impactful, and I really think so

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Speaker 4: that's feeling really great for us as a business, and

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Speaker 4: I think we're solving more needs for people at a

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Speaker 4: time where people are really thinking about money, and hopefully

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Speaker 4: we're having those money conversations in a really empowering way.

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Speaker 4: And that's the feedback I'm getting from people and bump

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Speaker 4: into them on the street when I'm wearing my Chess

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Speaker 4: t shirt, just to touch on how many like the

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Speaker 4: different ways that we try and create that shareholder relationship now.

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Speaker 4: So the number of people who have also been given

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Speaker 4: like staff shares through Chess now is really great. So

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Speaker 4: I think looking back seeing all those highlights of how

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Speaker 4: just were creating those different ways that people can touch

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Speaker 4: and get engaged with their money, I feel really toughed

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Speaker 4: about that.

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Speaker 1: Yeah, it's how about you. I don't feel like the

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Speaker 1: year's ended yet, you know, I still feel like there's

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Speaker 1: so much more to do. I mean, today we launched

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Speaker 1: PI Save. When this go's live will be few days old,

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Speaker 1: but within a few hours it's already got over ten

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Speaker 1: million dollars in it. It just shows the ways that we're

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Speaker 1: helping build our health happenings both of you mentioned actually

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Speaker 1: help people grow wealth. We've really started to deliver on

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Speaker 1: that heaps this year. We did start the year as

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Speaker 1: an investment platform. Really we had Key we Save added

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Speaker 1: at the end of last year, but now we do

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Speaker 1: have insurance save key we Savor, and we all look

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Speaker 1: at it through that lens of how do we actually

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Speaker 1: help people develop wealth? And so really chuffed with where

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Speaker 1: we've got to in that journey, but it also still

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Speaker 1: feels like day one to us. It's not even you know,

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Speaker 1: a tenth of the way of where we had our

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Speaker 1: initial aspirations of where Chess can go. So I can't

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Speaker 1: wait to start bringing more of that.

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Speaker 2: To life next year.

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Speaker 1: And then yah, working more with businesses because as we learned,

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Speaker 1: you know, a lot of companies they did want to

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Speaker 1: they do want to have better relationships with their retail investors,

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Speaker 1: and they do want to be able to have better

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Speaker 1: yeah communications with all their shareholders. And so it was

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Speaker 1: great to bring Orchestra into the shares as FA No

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Speaker 1: this year and you know, support companies, whether they're listed

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Speaker 1: or not on with their shareholder communications and management and

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Speaker 1: star share schemes, which ultimately, you know, we do really

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Speaker 1: hope that anybody's working in a company, part of their

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Speaker 1: rent package they get shares in't it. So it's quite

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Speaker 1: cool to start seeing that attraction towards that. So really

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Speaker 1: chuffed actually with how we've been progressing this year and

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Speaker 1: personally feel like I've just been out there. You know,

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Speaker 1: you were in Australia if you live there this year.

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Speaker 1: Any other things you want to share about this year.

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Speaker 4: Yeah, we have been growing our Australian business over the

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Speaker 4: last three years and so this year and you've Brook

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Speaker 4: and Land. I've spent time there already, but this year

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Speaker 4: I spent some time over with our Australian team, and

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Speaker 4: I think there's lots of ambition and aspiration in Australian culture.

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Speaker 4: I think there is, you know, so much kind of

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Speaker 4: desire and aspiration to grow wealth, and there are kind

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Speaker 4: of other platforms over there doing it, but no one

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Speaker 4: really playing in cheesea space, So I think that's it

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Speaker 4: just kind of speaks to the opportunity. And we've developed

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Speaker 4: some really great partnerships to date over there as well

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Speaker 4: and really kind of taking the Cheeseys brand over to Australia,

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Speaker 4: and we do have a fantastic team there. So we

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Speaker 4: also got our license to be able to operate, so

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Speaker 4: all the kind of pieces are falling into place. I

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Speaker 4: feel like Sunshine is my word at the moment, but

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Speaker 4: are like, there's definitely like sunshine through winter over there,

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Speaker 4: which was nice to experience. But you know, we've got

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Speaker 4: such a great product, such a great team, but also

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Speaker 4: such a like this big opportunity as well to really

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Speaker 4: make a difference here. So I think feeling really positive

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Speaker 4: about Australia in my time there.

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Speaker 2: So we love a game.

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Speaker 1: The Seared Lunch team have pulled together some questions for

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Speaker 1: us that we then write on our whiteboards what we

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Speaker 1: think the answers. Have got whiteboards here, each of us

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Speaker 1: with a red pen, and then we'll show them and

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Speaker 1: see who gets the answers, right, sonya you get to

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Speaker 1: open the first.

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Speaker 4: Do I think how many total buyers were placed this

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Speaker 4: year to date on Shesyes?

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Speaker 5: Real so later Billie's been the average trade size of

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Speaker 5: about six hundred dollars. You're fucking correct.

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Speaker 1: Across the Zealand in Australia.

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Speaker 5: Later, how many cells so.

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Speaker 2: Over thirty five millions?

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Speaker 3: Income investors?

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Speaker 4: Yeah, I must say I love when I get my

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Speaker 4: little notification. It's a highlight.

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Speaker 1: Dividends been paid in for your.

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Speaker 3: Wallets and on top of it that goes into the DRPs.

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Speaker 1: Yes, and a dividend reinvestment a DRP is when if

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Speaker 1: a company is paying out dividends, you can make that

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Speaker 1: money reinvested to buy more she is in the company.

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Speaker 1: So other three most widely held investments from our key

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Speaker 1: we investors this year, oh I had Smart which was

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Speaker 1: Smart shares ETFs, the NZ Top fifteen, US five hundred,

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Speaker 1: Smart US five hundred and New Zealand and Top fifty. Yeah,

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Speaker 1: and two of those funds were ones that were on

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Speaker 1: the two six and when we started shares Ease time

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Speaker 1: good point.

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Speaker 3: How much did our save customers make an interests this year?

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Speaker 1: So we paid out seven point five million in interest

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Speaker 1: this year. And pis save Frixley Baked, so pis save

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Speaker 1: We just we've just launched. The first day, it had

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Speaker 1: over ten million dollars deposited in the first few hours

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Speaker 1: of it launching. And a PI save means that the

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Speaker 1: top tax rate for a pie product PI text rate

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Speaker 1: is twenty percent. If your prescribed investor rate is higher

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Speaker 1: than twenty eightercent, then the max is twenty eightercent, So

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Speaker 1: that is where people can get a higher effective savings

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Speaker 1: rate essentially. So yeah, it's pretty cool that we've launched

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Speaker 1: that now how much was added to kiwisaver and this

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Speaker 1: is to Scheresy's Kiwi Saver. It is one hundred and

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Speaker 1: ten million.

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Speaker 4: So the quiz was a little bit of a little

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Speaker 4: bit of a stitch up the tree of wisdom over

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Speaker 4: here though.

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Speaker 3: Start of the show.

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Speaker 4: Turns out Brooke and I had the answers later that

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Speaker 4: was all just from his own mind. So finger on

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Speaker 4: the pulse, mate. It's fun fun to look back over

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Speaker 4: the year and like, the thing for us is what

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Speaker 4: those numbers will represent is our mission to create financial

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Speaker 4: empowerment for everyone. And all of those numbers moving in.

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Speaker 1: The right direction.

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Speaker 4: People engaging on the platform, getting paid, dividends, buying, selling,

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Speaker 4: owning companies, owning funds, all piecing it together to build

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Speaker 4: their wealth is so so important to us. And I

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Speaker 4: think all of us would say that we're just at

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Speaker 4: the beginning of that journey for Shareses, and so we're

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Speaker 4: keen to give a bit of a what's exciting you

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Speaker 4: for next year or for the future. We'll start with Europe.

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Speaker 1: Yeah. Cool. One thing we're working on at the moment,

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Speaker 1: it's really all on here at Cheesy's behind the scenes,

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Speaker 1: is the release of Spend, which will be coming next year.

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Speaker 1: So we've done a deal with master Card. We were

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Speaker 1: going to have a Cheesy's debit card which you can

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Speaker 1: have in your wallet or you know, or sweet as

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Speaker 1: physical card. And why I'm excited about this is I'm

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Speaker 1: really excited for people to see that the money that

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Speaker 1: they earn, all the money that they have, is their

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Speaker 1: wealth and then thinking about it rather than just money,

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Speaker 1: It's like my wealth and what am I doing with it?

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Speaker 1: And how do I, yeah, make sure that I'm investing

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Speaker 1: in the now and how we live life now, but

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Speaker 1: also how can we make sure that is setting us

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Speaker 1: up well for the future. And I think the way

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Speaker 1: that we think about money here and how we think

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Speaker 1: about wealth, I think once we have those insights, we're

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Speaker 1: we're really able to help people create really awesome financial habits,

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Speaker 1: which at the end of the day is what ultimately

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Speaker 1: develops wealth. So pretty excited for that. Yeah, what about you, laden.

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Speaker 3: Yes, I'm excited for that as well. And I'm excited

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Speaker 3: for I think I probably said this last year, but

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Speaker 3: things always take longer than what you think. Today is

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Speaker 3: the US markets into Kiwisaver, so that's going to include

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Speaker 3: the US five hundred fund, so which is that by far?

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Speaker 3: I think it's like there's three different versions of that

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Speaker 3: fund that are three of the most popular investments on

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Speaker 3: the platform, which is really really cool, and also some

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Speaker 3: self select options and there for people as well to

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Speaker 3: build their portfolios in a way they want, which is

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Speaker 3: really exciting. And again US markets are popular on the platform,

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Speaker 3: so we know they're going to be popular and heaps

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Speaker 3: people asking for them. So it's so fantastic to have

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Speaker 3: lots of epic local investment going into our own exchange.

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Speaker 3: We want to keep building that. But there's also lots

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Speaker 3: of lots of Kiwi who you know, who have founded

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Speaker 3: companies and then they've released them on to the US exchanges,

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Speaker 3: so available on the air, and of course there's lots

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Speaker 3: of people and you see them as well, who work

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Speaker 3: for companies offshore. So there's lots of reasons to like that.

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Speaker 3: Plus just the sheer market size an opportunity that comes

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Speaker 3: with us. I'm really really excited about that.

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Speaker 4: Nice What about you, Sonny, Just as you were saying that,

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Speaker 4: I thought of that quote of you underestimate what you

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Speaker 4: can deliver, yes in ten years and over, and do

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Speaker 4: estimate what you can deliver in a year. So yeah,

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Speaker 4: super excited for what's to come. And I think we

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Speaker 4: are ambitious in the one year end in the ten

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Speaker 4: years at Chea's, which is really cool. So hopefully we'll

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Speaker 4: deliver more than what we think we can in the

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Speaker 4: ten year. If we come even shorter that it would

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Speaker 4: be a beautiful place.

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Speaker 1: I think.

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Speaker 4: I'm really excited. Like you talked about how we're adding

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Speaker 4: spend to Chears's, and we're also developing the entire proposition

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Speaker 4: around that. So we talked about Cheesy's becoming a wealth app,

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Speaker 4: and that's just pushing that even further. It's looking at

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Speaker 4: how all those products connect to drive better outcomes for

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Speaker 4: you and your faro. So also how we connect you

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Speaker 4: to the people in your life, because we know that

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Speaker 4: that's really important as well. So we're seeing lots of

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Speaker 4: change coming in that space, looking at how we can

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Speaker 4: add rewards and make investing for the long term great

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Speaker 4: and the short term as well, and making sure that

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Speaker 4: people really do feel like they've got the tools and

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Speaker 4: the support and the motivation to really drive those outcomes

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Speaker 4: that they want for themselves and the people around them.

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Speaker 4: So I'm like super excited for next year. I always

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Speaker 4: say this a way.

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Speaker 1: I need a new win hat.

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Speaker 3: Yeah, I've got the Christmas tree now, but here's my

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Speaker 3: win hats down there, and I reckon it's going to

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Speaker 3: be a good year for people next year. I'm wishing

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Speaker 3: everyone all the best.

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Speaker 1: Course, So that's a rap for Shared Lunch twenty twenty four.

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Speaker 1: I want to give a massive shout out to everybody

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Speaker 1: who has been on these episodes this year, to our

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Speaker 1: Shared Lunch team who make it all happen, and to

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Speaker 1: the nearly five hundred thousand of you who have been

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Speaker 1: tuning in throughout the year. We can't wait to show

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Speaker 1: you what's in store for twenty two. And as you'll

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Speaker 1: you would have heard just before, we've got some really

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Speaker 1: cool things happening at Cheersy's. We've got some really interesting

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Speaker 1: conversations to have too, as we hopefully thrive in twenty

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Speaker 1: five