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Speaker 1: Investing and involves the risk you might lose the money

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Speaker 1: you start with. We recommend talking to a licensed financial advisor.

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Speaker 1: We also recommend reading product disclosure documents before deciding to invest.

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Speaker 1: Everything you're about to see and here is current at

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Speaker 1: the time of record.

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Speaker 2: It's a special week on Shared Lunch to mark the

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Speaker 2: recent launch of shes Is Crypto. We're going to be

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Speaker 2: diving into five conversations all about crypto, from how it's

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Speaker 2: evolving to what investors need to know in twenty twenty

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Speaker 2: five and beyond. Just a note though some of these

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Speaker 2: episodes were recorded earlier in the year, so some market

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Speaker 2: prices and movements may have changed today. In our second episode,

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Speaker 2: Brook Roberts Coco she is Ey's, talks to Victoria Harris

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Speaker 2: from the Coup and she asks her has crypto gone mainstream?

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Speaker 3: Hey? Vic, so great to have you join us at

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Speaker 3: you know, late your time early esh.

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Speaker 4: Ours, No, thanks for having me. You and Sophie have.

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Speaker 3: Set up you know, the Curve, this financial education platform

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Speaker 3: for women that's you know, all around the world, which

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Speaker 3: is really exciting. I'm really intrigued to understand what conversations

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Speaker 3: you're seeing happen around crypto. And your community.

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Speaker 4: It's like with anything, right, the more the more mainstream

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Speaker 4: it becomes, the more in the media, the more in

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Speaker 4: the newspapers, like, the more interest there is, it's it's

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Speaker 4: around you more, you want to know more about it.

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Speaker 4: It's definitely getting a lot of a lot more interest

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Speaker 4: with our community. The other thing though, that really frustrates

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Speaker 4: me sometimes with any asset, any asset that does well, people,

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Speaker 4: you know, there's an increased talk about it, and when

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Speaker 4: something is doing not so well, no one really wants

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Speaker 4: to talk about it. And we've seen that exactly with

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Speaker 4: crypto and now as it's starting to become a lot

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Speaker 4: more mainstream, there is definitely more interest, more curiosity and

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Speaker 4: just just a more woman asking questions.

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Speaker 3: Really, are you seeing people pick it up as part

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Speaker 3: of the investing portfolio more at the moment, Yeah.

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Speaker 4: There's definitely a lot more interest. I think as it

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Speaker 4: becomes more mainstream and easier for people to invest in,

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Speaker 4: there's also a lot more questions being asked, you know,

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Speaker 4: like you can buy crypto ETF now right like you couldn't.

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Speaker 4: You couldn't do that that long ago. And so for

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Speaker 4: someone who is you know, in our community and feeling

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Speaker 4: new to investing. Simplicity is key, and so if something

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Speaker 4: you know, if you're using shears ease to buy funds

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Speaker 4: and shares and then you have to go somewhere else

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Speaker 4: to buy this different asset, it creates that extra barrier,

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Speaker 4: the extra set of you know, extra word of learning

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Speaker 4: and understanding different platform and how you know a different

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Speaker 4: asset works and how to how to buy and sell

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Speaker 4: it something. So it just creates this, It creates a

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Speaker 4: bit more confusion, it's a bit more jargon, and so

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Speaker 4: people just don't really do it. So I think, you know,

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Speaker 4: making it easier for people to access you know, has

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Speaker 4: its pluses and minuses. But it also, yeah, creates a

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Speaker 4: lot more interest. It means people dab a little bit more.

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Speaker 4: People who you know might have not it's kind of

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Speaker 4: out of sight, out of mind and use. It's in

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Speaker 4: the headlines and everything, whre it's not in you know,

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Speaker 4: in front of them in terms of accessibility. So they

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Speaker 4: might have been like, you know what, I'll just I'll

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Speaker 4: leave that and come back to it another day, and

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Speaker 4: now being like, oh, you know what, I think I'll

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Speaker 4: just I'll just dabble a little bit and start building

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Speaker 4: my confidence and my understanding that way, but particularly with women,

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Speaker 4: I think with any with any investment, we take a

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Speaker 4: much more considered approach. We research things that we invest

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Speaker 4: in a lot more. We want to understand them a

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Speaker 4: bit more, which can sometimes be to our detriment because

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Speaker 4: we do that too much than swing too much the

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Speaker 4: other way. But it's the same with crypto as it

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Speaker 4: is with sheares. You know, women want to understand, you know,

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Speaker 4: how how it works and what moves it and the

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Speaker 4: supply and demand and all of that, and want to

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Speaker 4: understand what's going to drive the price higher in the future.

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Speaker 4: And so there is that maybe a bit more of

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Speaker 4: a slower adoption than you know, for men or for

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Speaker 4: people that have been in the finance world for a

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Speaker 4: lot longer.

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Speaker 3: Yeah, yeah, I I was just even reflecting on my

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Speaker 3: own journey. I was kind of crypto curious twenty seventeen,

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Speaker 3: twenty eighteen, So yeah, a few of us set up

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Speaker 3: a bit of a crypto club. We put a little

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Speaker 3: bit of money away each week. But at the start,

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Speaker 3: I just tried to buy bitcoin myself. I was like,

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Speaker 3: how do you do this? I had to find a wallet,

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Speaker 3: hide this key somewhere. I was likes you know.

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Speaker 4: And how do I sell it? And like how do

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Speaker 4: I you know, how do I get out of it?

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Speaker 4: How do I actually withdraw money? Like all of that.

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Speaker 4: Like if you think about before She'sis came along, right,

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Speaker 4: like how hard and difficult it was to buy and

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Speaker 4: sell she Is And now it's it's so easy, it's

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Speaker 4: so simple, and therefore a lot more people do it.

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Speaker 4: And I think that's effectively what's happening with crypto at

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Speaker 4: the moment. With you know, crypto ETFs for example, that's

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Speaker 4: kind of one step, but you know, I genuinely think

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Speaker 4: and kind of two, three, five years time, it will

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Speaker 4: be part of a bigger part of people's portfolios because

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Speaker 4: more people understand what it is and it'll be easy

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Speaker 4: to invest in.

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Speaker 3: Yeah, exactly, I mean that's what you know. We've had

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Speaker 3: thousands of people ask us, hey, can you please aid

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Speaker 3: crypto to your platform? And we are seeing more people

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Speaker 3: in the industry. Hey, you know you used to manage funds.

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Speaker 3: We're seeing fund managers now hold percentages of their portfolio

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Speaker 3: in cryptocurrencies or exchange traded funds. What do you do

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Speaker 3: when it comes to cryptocurrency? How have your views shifted

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Speaker 3: over the years.

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Speaker 4: I was very cautious in the beginning. Naturally, that's just

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Speaker 4: my way of investing. I like to understand and know

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Speaker 4: what I invest in. And yes, I may have missed

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Speaker 4: the early early stages of crypto prices going up, but

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Speaker 4: I invested purely from an education for our audience point

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Speaker 4: of view as well. I was like, they were asking

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Speaker 4: me question and I was like, Okay, well I need

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Speaker 4: to actually go through the motions and go through the

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Speaker 4: process and so I actually know what I'm talking about.

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Speaker 4: And so we invested a little bit in I think

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Speaker 4: twenty twenty two and bitcoin and ethereum, and then almost

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Speaker 4: got a little not a little nervous, but double my money.

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Speaker 4: And I was like, oh, okay, awesome, I'm going to

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Speaker 4: sell and sold in twenty twenty four and it's not

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Speaker 4: gone on to do you know, miles better. So it's,

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Speaker 4: you know, pretty bad idea to sell at the time. Behindsight,

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Speaker 4: it's great, but yeah, I mean it was, and I

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Speaker 4: haven't gone back in, so for me, it's yeah, I

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Speaker 4: guess I come back to like, I like to understand

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Speaker 4: and know what I invest in and have as good

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Speaker 4: line of sight as I can possibly have of the

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Speaker 4: future growth of that asset or that investment. You know,

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Speaker 4: I'm very familiar with investing in property and really very

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Speaker 4: familiar with investing in stocks, and so there is just

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Speaker 4: so many things to invest in nowadays. I kind of

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Speaker 4: have taught myself not to get two phase by any

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Speaker 4: missed opportunities too much, because there's always a new opportunity

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Speaker 4: around the corner. There's always going to be a new

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Speaker 4: company coming out of the woodwork, or you know, a

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Speaker 4: market cycle that happens that therefore prices are really attractive again.

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Speaker 4: And so yes, I've kind of would have sold way

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Speaker 4: too early in terms of my crypto, But I think

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Speaker 4: there is place for cryptocurrencies and portfolios. Don't get me wrong.

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Speaker 4: I just think what scares me is when people get

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Speaker 4: excited and get hyped up and put way too much

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Speaker 4: and don't understand the risks. And so that's our whole

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Speaker 4: thing that we've been educating about. Is like I had

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Speaker 4: a friend come up to me a few years ago

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Speaker 4: and she was like, I've just sold my business. She

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Speaker 4: had this fashion business and I've just sold it. I

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Speaker 4: don't know much about investing, but I want to. I

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Speaker 4: want to put it all on this crypto and I

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Speaker 4: was like, oh no, no, no, please don't. I was like,

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Speaker 4: do you know the risks I do maybe spirited around

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Speaker 4: And I think that's key, right, comes back to the

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Speaker 4: age old saying of diversification. It's like, yes, there's a

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Speaker 4: there's a place in for crypto in many portfolios for

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Speaker 4: people if they want that level of risk, but make

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Speaker 4: sure that it's balanced with other things so you're not

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Speaker 4: putting everything in that because it is a volatile that

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Speaker 4: st It does go up and down, and we've seen

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Speaker 4: it and I can't count the number of headlines where

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Speaker 4: you know, cryptos up, crypto is down.

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Speaker 3: For me, I've been on that same journey with being

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Speaker 3: like on my investing journeys, you know, at the start

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Speaker 3: and especially when you're in the market so much and

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Speaker 3: everybody's talking to you about all these investments. Here, I've

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Speaker 3: got to get into that that's a winner or you know,

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Speaker 3: and then just like actually boarding a portfolio over time

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Speaker 3: with you know, Maltzi can afford. You know, it statistically

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Speaker 3: pays off. My kid's portfolios do better than mine often,

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Speaker 3: you know.

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Speaker 4: Yeah, yeah, It's it's also I feel like with crypto

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Speaker 4: there's this mentality of like a trading mentality, like you've

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Speaker 4: got to get in, get out, get in, get out,

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Speaker 4: you know, and it's kind of I think this like,

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Speaker 4: I think it's also really important that you know, when

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Speaker 4: we invest in stocks and when we invest in funds,

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Speaker 4: and you know, we do invest for the long for

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Speaker 4: the long term or for a long period of time,

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Speaker 4: because there is that volatility. Yet for crypto, for some reason,

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Speaker 4: it's just you know, it's it's still got that perception

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Speaker 4: of a short term when or you get lucky or

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Speaker 4: you put money in and it goes up straight away,

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Speaker 4: and it's like no, no, it's still it's still a

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Speaker 4: high risk asset. And so if you are going to

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Speaker 4: invest in it, you know, you should be taking that

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Speaker 4: long term view, if that makes sense.

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Speaker 3: So yeah, yeah, as a scene and yeah, it completely agree.

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Speaker 3: Is there anything else you'd like to share?

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Speaker 4: Yeah, I guess the other thing that does scare me

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Speaker 4: with cryptos I think that for people, you know, particularly

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Speaker 4: new to investing, that you know, I would just hate

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Speaker 4: someone to invest in something that they thought was a

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Speaker 4: lot more safer than it is and and not understand

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Speaker 4: the true risks. But I think it's getting there, and

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Speaker 4: I think it's quite interesting when you have such a deregulated,

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Speaker 4: you know, asset that's becoming more regulated and therefore, you know,

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Speaker 4: like it's quite quite unintuitive. But when platforms like yourselves

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Speaker 4: you continue to make it easier for people to invest in,

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Speaker 4: it's going to you know, it's going to take time

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Speaker 4: in terms of education and understanding, but it's quite it's

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Speaker 4: quite neat to see something else that people can get

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Speaker 4: excited about and invest in, and you know, new type

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Speaker 4: of technology, and you just had a new addition to

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Speaker 4: a lot of people's portfolios because you know, sometimes it

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Speaker 4: gets were boring talking about bonds and property and you

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Speaker 4: know you're gonna get sick of talk about the same thing.

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Speaker 4: So it's nice to have a kind of wool. It's

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Speaker 4: not really a new asset, but yeah, it's become a

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Speaker 4: lot more.

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Speaker 3: Popular, you know. I was just reflecting on our crypto

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Speaker 3: club we set up years ago, and we just put

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Speaker 3: a little bit away every week, and I remember so

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Speaker 3: at the start, i'd track it a bit and it.

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Speaker 2: Was like ooo, and I was like, oh, you know.

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Speaker 3: And it's like but you know, consistency has kind of

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Speaker 3: paid off over time. But also learned that to ride

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Speaker 3: that rollercoaster. Early on, I was like, Oh, who knows

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Speaker 3: what's going to happen next week, you know, but look,

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Speaker 3: this is you know, it's amount that I can afford,

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Speaker 3: and you know we'll see a longer term So.

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Speaker 4: Great for a volatile as set like it's just so

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Speaker 4: it just gives you such peace of mind. You know,

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Speaker 4: you're not looking at like when it's gonna go when

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Speaker 4: it's gonna go down, You just like kind of set

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Speaker 4: and forget.

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Speaker 3: Yeah, yeah, cool, all right, We'll let you get some sleep.

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Speaker 3: But thank you so much for talking to us today,

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Speaker 3: Thanks Brooke.

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Speaker 2: Crypto is generally considered a high risk investment.

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Speaker 4: It's not suitable for everyone, especially if you're uncomfortable with

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Speaker 4: the potential of losing some or all of your investment.

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Speaker 1: For more of the national crypto and it's specific risks,

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Speaker 1: check outs Chess dotting z, Slash Crypto, Cheesus Crypto has

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Speaker 1: offered like she is Is Crypto Limited, and certain stream stan