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Speaker 1: Hello.

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Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the

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Speaker 2: Order Kerni Whoalbury and a waddery woman. And before we

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Speaker 2: get started on She's on the Money podcast, I would

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Speaker 2: like to acknowledge the traditional custodians of the land of

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Speaker 2: which this podcast is recorded on a wondery country, acknowledging

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Speaker 2: the elders, the ancestors and the next generation coming through

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Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and

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Speaker 2: the storytelling of you to make a difference for today

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Speaker 2: and lasting impact for tomorrow.

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Speaker 1: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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Speaker 4: Hello, and welcome to She's on the Money, the podcast

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Speaker 4: Millennials who Want Financial Freedom. My name is Jessica Ricky,

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Speaker 4: and today I have financial expert Victoria Devine. Hello, we're

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Speaker 4: here to talk about ETFs in their performance.

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Speaker 1: Oh my gosh, she is pum Yeah.

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Speaker 4: I got to do research for this and I have

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Speaker 4: brought it to the table with the end of the

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Speaker 4: year at our doorstep and with how many of our

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Speaker 4: community are now on their own investing journeys. Today on

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Speaker 4: the show, we wanted to do a wrap of the

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Speaker 4: five best performing asx ETFs from the last financial year.

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Speaker 1: I mean, we use a stretch. I really wanted to

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Speaker 1: do that this. Jessica Ricci was.

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Speaker 4: Like, I don't know about that content, and I was like,

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Speaker 4: I really want to do the content, and I feel

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Speaker 4: like there is might be niche. But there is a

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Speaker 4: group of people who really like this content too, because

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Speaker 4: last time we did one last year it kind of

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Speaker 4: blew up in my DMS and people like, oh my gosh,

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Speaker 4: thank you so much for talking about these or thanks

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Speaker 4: so much for having more honest, open conversations about ETFs

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Speaker 4: an actual product.

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Speaker 1: And I'm excited to do this today.

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Speaker 4: Before we get into it, I know we've said it

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Speaker 4: a million time, but in case this is the first

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Speaker 4: episode you've ever listened to, and ETF is a basket

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Speaker 4: of shares, is how Victoria ax refreshed. She's a little basket.

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Speaker 4: Might be Wiker that's in at the moment, it might

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Speaker 4: be kin, it might be a picnic basket, but it

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Speaker 4: is a basket of lots of different assets that give

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Speaker 4: you instant diversification. But to go to your point, jess

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Speaker 4: that you just made if this is your first Cheese

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Speaker 4: on the Money episode, fantastic, welcome to our family. We

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Speaker 4: are so excited to have you. But quick fact check here.

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Speaker 4: If you're not on your investing journey yet, or maybe

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Speaker 4: investing feels completely overwhelming, this episode is definitely going to

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Speaker 4: make that worse. So I would go back and listen

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Speaker 4: to one of our two investing series that will give

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Speaker 4: you the basics of absolutely everything you know, so when

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Speaker 4: you listen to this, it doesn't sound overwhelming. And then

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Speaker 4: for this She's on the Money community that are absolutely

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Speaker 4: across this one. We're really excited to do this. But two,

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Speaker 4: don't feel overwhelmed. If you're like, oh, she's talking about

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Speaker 4: stuff I've never heard. We are just going to make

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Speaker 4: it common knowledge. We are going to talk about these

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Speaker 4: things more often on the She's on the Money pod

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Speaker 4: this year and next year, because I just think there's

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Speaker 4: lots of change going on at the moment, and it

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Speaker 4: makes it so much easier for us to be able

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Speaker 4: to openly and honestly talk about product and just have

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Speaker 4: a good band about what it means and how it works.

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Speaker 4: And I think that these types of conversations are quite constructive.

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Speaker 4: When you guys are picking assets that are going to

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Speaker 4: go into your portfolio in saying that before I really

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Speaker 4: get into the crux of the five ETFs that I'm

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Speaker 4: going to present to you today, Miss Jesso Ricci, in

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Speaker 4: true compliance form, Jessica, past performance is not a reliable

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Speaker 4: predictor of future performance, and you should seek personal financial

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Speaker 4: advice should you wish to make a decision based upon

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Speaker 4: any information that you hear today. Yeah, and this is

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Speaker 4: something we touched on last year, which I think is

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Speaker 4: really worth saying. Just because it was the top performing

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Speaker 4: product doesn't.

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Speaker 1: Mean it will be again.

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Speaker 4: Well, it doesn't mean we're again, but it also doesn't

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Speaker 4: mean it's the right product for you. I think as

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Speaker 4: we go through these people are going to see a

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Speaker 4: bit of a common theme and it's something that may

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Speaker 4: not align with a lot of people's values. And you know,

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Speaker 4: we spoke about this in an earlier investing series, and

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Speaker 4: investing is such a personal thing that the performance of

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Speaker 4: the fund is only one element that people would be

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Speaker 4: considering and there are so many other factors. So this

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Speaker 4: definitely isn't us saying these are the five things you

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Speaker 4: should invest in. It's just a really fun review of

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Speaker 4: the year that was. It's also really interesting because the

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Speaker 4: world has changed quite significantly since last year when we

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Speaker 4: talked about ETFs, and in June we entered what's called

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Speaker 4: a bear market, or a bear market is when officially

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Speaker 4: the shared market drops by a minimum of twenty percent

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Speaker 4: from the last twelve months all time high. And I

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Speaker 4: feel like coming out of COVID when it's not really

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Speaker 4: out of COVID, but you guys know what I mean.

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Speaker 4: As we're coming out of COVID and going back to

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Speaker 4: like kind of business as usual. There were a number

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Speaker 4: of different industries that like smashed it. Like remember when

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Speaker 4: we did that ETF episode jets, Like every single ETF

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Speaker 4: that we presented had like a really really high return,

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Speaker 4: and I was like, oh my gosh, and this and this,

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Speaker 4: and there was like some tech companies and some biopharmaceutical companies,

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Speaker 4: and it was just really interesting. Now having gone through

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Speaker 4: all of that and having experienced what we've experienced, the

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Speaker 4: performance is not nearly as high as it was, But

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Speaker 4: I think it's really interesting to kind of listen to

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Speaker 4: episodes like this, and if you're interested, maybe go back

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Speaker 4: and listen to that episode and see what the market

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Speaker 4: was like twelve months ago. In the types of conversations

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Speaker 4: we were having because politically, economically, and just literally the

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Speaker 4: world is a different place today and the types of

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Speaker 4: ETFs that performed really well in the last financial year

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Speaker 4: are very different to the ones that performed well in

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Speaker 4: the financial year before that, and there's really good reasons

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Speaker 4: for that, and I guess we'll get into the nitty

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Speaker 4: gritty and the conversation around that as we go through it, Jess. Yeah,

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Speaker 4: and last thing to throw in there before we jump

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Speaker 4: into the list itself is these were the best performing

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Speaker 4: ASX ETFs, so they had to be listed on the

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Speaker 4: Australian Securities Exchange to be considered for this list.

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Speaker 1: Get questions. I was going to say, waking into.

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Speaker 4: It, absolutely to give a little bit of what would

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Speaker 4: you call it here? Just housekeeping housekeeping here these are

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Speaker 4: all ASX listed shares and it is post management and

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Speaker 4: performance fees. Obviously, if you are on a different platform,

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Speaker 4: there might be platform fees that you personally need to

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Speaker 4: take into consideration, but this is what the ETF reported

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Speaker 4: directly post all of their fees taken out, So I

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Speaker 4: think that's a great place to start, Jess. And as always,

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Speaker 4: we're clearly going to go five to one because I'm

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Speaker 4: not going to give you the biggest performing ETF upfront,

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Speaker 4: am I.

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Speaker 1: Now, I gotta work for it. No, you've got to

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Speaker 1: work for it. You gotta wait for the break.

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Speaker 4: You've gotta go through our advertising because that's how I

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Speaker 4: pay Jess.

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Speaker 1: Guys, that's important. I lack money.

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Speaker 4: Let's kick things off with number five VD.

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Speaker 1: What have you got?

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Speaker 2: All right?

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Speaker 4: So coming in at number five, we have the beta

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Speaker 4: shares Global Agricultural Companies ETF and the ticker code. So

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Speaker 4: I feel like ticker code is something I've only just

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Speaker 4: started talking about. It's definitely not new in this world.

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Speaker 4: But you know the little code that the ASX use

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Speaker 4: to like identify a share, it's called a ticker code.

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Speaker 4: Go figure. Because the ticker board, so you know, you

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Speaker 4: would have seen the pictures like yeah, real old school,

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Speaker 4: they will have stre exactly, so the boards on the

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Speaker 4: walls that would like tick over the performance. It's the

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Speaker 4: ticker because obviously they weren't going to write Beta shares

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Speaker 4: Global Agricultural Company ATF what they were going to do.

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Speaker 4: And I really like this ticker code. It's food that's clever. Yes,

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Speaker 4: so funny. Anyway, So the first fun that we're looking

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Speaker 4: at today is basically exactly what it says in the title.

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Speaker 4: It is a global agricultural company is ETF. So as

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Speaker 4: we said, this is an ASX listed ETF, but that

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Speaker 4: doesn't mean it's only got Australian shares in it, right.

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Speaker 4: Food is an agricultural based ETF that tracks a whole

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Speaker 4: heap of food producing companies from around the world, so

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Speaker 4: you might have heard of a whole heap of the

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Speaker 4: companies in there. You've got Tyson Foods and Archer Daniels

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Speaker 4: Midland and Deer and Co. And Food because it's way

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Speaker 4: more fun to just refer to it as it's ticker code,

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Speaker 4: because it's got a good one. Gave investors a total

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Speaker 4: of three point five percent return over the twenty twenty

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Speaker 4: two financial year, which honestly looks pretty good if you

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Speaker 4: compare it to our top performing ASX shares. Really interesting

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Speaker 4: the difference between the bottom performing at the top five

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Speaker 4: this year versus last year made it into the top

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Speaker 4: five jests, yeah, with only three point five percent last

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Speaker 4: year's bottom five, like number five.

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Speaker 1: Was trying to say.

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Speaker 4: It came in at thirty nine point three two exactly

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Speaker 4: right like last year was absolutely insane and I think,

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Speaker 4: and like I can't remember because it was a while ago.

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Speaker 4: I would have been like, guys, this is so irregular,

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Speaker 4: like it is not common. But you've got to remember

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Speaker 4: that a lot of the shares that were on that

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Speaker 4: top list actually were shares that had performed insanely well

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Speaker 4: over COVID, and COVID was kind of like an outlier

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Speaker 4: for what economic performance actually looked like. So people were like,

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Speaker 4: oh my gosh, now we're going to get on it.

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Speaker 4: Like remember how Zoom had that like massive influx of users,

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Speaker 4: because it just made sense. Yeah, you don't often see

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Speaker 4: such crazy performance in the share market, but it was

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Speaker 4: obviously quite responsive to the times we were going through.

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Speaker 4: And now we've kind of come off a little bit.

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Speaker 4: We're in a bear market. You know. There is talk

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Speaker 4: from a lot of politicians and a lot of economists

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Speaker 4: that we are on the way to some form of session.

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Speaker 4: So obviously the market's going to have pulled back a

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Speaker 4: little bit and be a little bit tighter with their

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Speaker 4: purse string. So performance this year isn't looking nearly as

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Speaker 4: sexy as it was last year. Yeah. Well, as someone

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Speaker 4: whose portfolio is largely in the red, it's kind of

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Speaker 4: like any kind of positive return is a great thing,

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Speaker 4: so I can see why it's scraping in at three

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Speaker 4: point five Does this make you like, when we have

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Speaker 4: this conversation and I say, Jess, when we're talking about

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Speaker 4: the top five ETFs and number five is at three

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Speaker 4: point five percent, does that make you feel slightly better

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Speaker 4: about looking at your own portfolio and going, Okay, well,

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Speaker 4: you know that isn't as good compared to last year.

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Speaker 4: Does that give you more context or I guess confidence? Yeah?

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Speaker 1: I think so.

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Speaker 4: I think looking at this list, the numbers seem a

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Speaker 4: lot more reasonable compared to last year's, which was you know,

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Speaker 4: entry point of almost forty percents and I'm to almost

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Speaker 4: ninety I think it was. It definitely makes it seem

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Speaker 4: a lot smarter. I think I'm not feeling too anxious

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Speaker 4: because we've done so much groundwork this year about understanding

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Speaker 4: the cycles of the market and understanding that you know,

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Speaker 4: you're not always going to be doing super well and

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Speaker 4: that's totally fine. It about time in the market, not

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Speaker 4: timing the market. Yes, Queen, you're like, maybe me, you

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Speaker 4: just spit out all the stuff I say, and I

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Speaker 4: love it.

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Speaker 1: Yeah, I do. I sound exactly I love it.

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Speaker 4: I love it. I would wear that outfit though, So

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Speaker 4: that's good. It's cute. We almost matched sometimes, if that's okay,

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Speaker 4: All right, back on track, Victoria, what came in at

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Speaker 4: number four? Okay, so number four is the Van Neck

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Speaker 4: Australian Resources ETF not as sexy of a ticker code

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Speaker 4: this time, I do apologize. The ticker code is mv R,

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Speaker 4: and I can't even think of a cute acronym or

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Speaker 4: something that suits that, so.

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Speaker 1: We just move on from that.

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Speaker 4: Pick ticer because like food makes sense global Agriculture. MVR

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Speaker 4: isn't even an abbreviation of the title. Yeah, usually it

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Speaker 4: is an abbreviation of the title, but sometimes if an

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Speaker 4: abbreviation already exists, they will just pick something that makes

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Speaker 4: sense for that fund. And the V I'm assuming stance

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Speaker 4: for Van Neck and it might be like something vanic Resources.

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Speaker 4: I don't actually know off the top of my head

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Speaker 4: what that particular one is. But often because there are

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Speaker 4: so many big companies on the list, they double krinom

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Speaker 4: might no, no, no, they won't double up. They will

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Speaker 4: make you pick a different ticker code. So like you know,

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Speaker 4: if you're going to go with like Rio, tinto. Right,

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Speaker 4: they've already got Rio. So if Rio Underwear wanted to

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Speaker 4: list on the ASX, they would have to come up

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Speaker 4: with a different ticker code. It's like Instagram names and

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Speaker 4: all the good ones are taken and you have to

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Speaker 4: do it like a dot or an understor Right, there's

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Speaker 4: an underscore in my name because there's a woman in

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Speaker 4: the US called Victoria Devine and she's like a pr

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Speaker 4: person and woman. You've got all of my usernames. Cut

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Speaker 4: this out, rude. I couldn't even get the TikTok name.

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Speaker 4: When TikTok started to become a thing, I was like,

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Speaker 4: this is my time to shine.

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Speaker 1: I'm going to get Victoria Devine.

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Speaker 4: I did not. I still had to use my underscore.

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Speaker 4: She was too speedy. Tell me more speedy about MVR.

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Speaker 4: This fund holds ASX shares, So it's Australian only, which

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Speaker 4: I mean is probably pretty obvious given it's called the

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Speaker 4: Australian Resources ETF, but only in the resources sector. So

258
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Speaker 4: when we talk about the resources sector, that's like energy

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Speaker 4: and fuel, and we are talking about oil and petrol

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Speaker 4: and petroleum production and stuff like that. So this one's

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Speaker 4: a little bit debated. Because there are obviously going to

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Speaker 4: be people on either side of the fence, people who

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Speaker 4: are like yes, investing resources, and then people who are

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Speaker 4: like no, it's unethical, Like that's not aligned to my values.

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Speaker 4: This episode is not about your values. This is just

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Speaker 4: about hey, here are the top five performing ones. Obviously,

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Speaker 4: you guys know that I'm probably more aligned to an

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Speaker 4: ethical portfolio because that's just where my values sit. But honestly,

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Speaker 4: you do you boo. Australia is known for its resources

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Speaker 4: production and export. And as an Australian who is also

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Speaker 4: an investor and somebody who I would say knows the

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Speaker 4: shere market pretty well, a lot of our performance does

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Speaker 4: come from resources. Because you think about our main exports, like,

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Speaker 4: we aren't the type of country who you know exports massive,

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Speaker 4: massive amounts of corn or like do you know what

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Speaker 4: I mean? Like you know New Zealand to the export shape. Great,

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Speaker 4: they don't have as many resources as us, but with

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Speaker 4: the amount of land we have, it kind of makes

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Speaker 4: sense that the world relies on us for that.

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Speaker 1: So you can't just cut.

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Speaker 4: That sector out comempletely anyway. Complete side note, they hold

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Speaker 4: some pretty big names. So I mentioned Rio before. That's

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Speaker 4: a good place to start. Rio is in that portfolio.

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Speaker 4: Then there's BHP, which everybody would know, and Woodside Energy Group,

285
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Speaker 4: which is again a really popular name. So essentially the

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Speaker 4: Vanick Australian Resources ETF managed to give a total return

287
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Speaker 4: Jessica of a very exciting five percent over the twenty

288
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Speaker 4: twenty two financial year for its investors.

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Speaker 1: Five percent.

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Speaker 4: Given I know it's only a small portion of portfolio,

291
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Speaker 4: but given how freaking expensive petrol has been this rude, right,

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Speaker 4: and given that BHP sits in that portfolio, I'm really

293
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Speaker 4: surprised that it's only five percent.

294
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Speaker 1: Yeah, I'm surprised at the amount of return.

295
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Speaker 4: I'm not surprised that they've made this list because I

296
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Speaker 4: was like, okay, cool, they're absolutely turning a profit. But

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Speaker 4: in saying that, a lot of companies are not just

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Speaker 4: exporting their importing. So as we know, BEHP are absolutely

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Speaker 4: an importer as well as an exporter, and that means

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Speaker 4: that they are having to pay the fuel prices that

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Speaker 4: the UAE are setting for us, so not every single

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Speaker 4: discount actually gets past to us because sometimes it has

303
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Speaker 4: to be absorbed into the cost. So I think that

304
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Speaker 4: that makes a lot of sense. But at the same time,

305
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Speaker 4: it's kind of a joke.

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Speaker 1: I don't like it.

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Speaker 2: Yeah.

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Speaker 4: Also, while we're chatting about it, Rio is a really

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Speaker 4: controversial share and sometimes that comes up in our comments section.

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Speaker 4: Can you run me and everybody listening through the why.

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Speaker 1: There's a lot to unpack there.

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Speaker 4: I mean, predominantly I would say it's their desecration of

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Speaker 4: Aboriginal sacred land and that makes me really mad. And

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Speaker 4: then er shareholders blasted Rio recently over board exodus, so

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Speaker 4: basically their entire board just yeat it out of there,

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Speaker 4: And James Packer basically said that the resignation of all

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Speaker 4: three independent directors under pressure from Rio reeks of something

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Speaker 4: terribly wrong. So there's a lot of skepticism in addition

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Speaker 4: to the fact that they are in the resources sector,

320
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Speaker 4: so people already looking at them as like, what are

321
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Speaker 4: you doing for the environment? How does that work? And yeah,

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Speaker 4: it's just a bit of a spicy topic. And historically

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Speaker 4: their share prices have been very ebby and very flowy,

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Speaker 4: Like I remember back in like twenty fifteen, twenty sixteen,

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Speaker 4: there was like a fifty percent drop in their share prices.

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Speaker 4: When I was talking to clients, like obviously portfolios I

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Speaker 4: hadn't written, but talking to clients about what they held,

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Speaker 4: and it's always just been a little bit controversial, a

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Speaker 4: little bit topical from my perspective. I just think that resources,

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Speaker 4: I understand it, I respect that it exists. I respect

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Speaker 4: that it really holds up a lot of our economy.

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Speaker 4: So we can't just you know, evict it from the

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Speaker 4: country and say, oh, we shouldn't do that. But what

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Speaker 4: can we do to be more respectful? What can we

335
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Speaker 4: do to help climate change? What can we do to

336
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Speaker 4: you know, rebuild the Great Barrier reef? And there are

337
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Speaker 4: actually a number of different resource companies that if you're

338
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Speaker 4: interested in being exposed to resources, we only want to

339
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Speaker 4: be exposed to resources who are also.

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Speaker 1: Trying to help the community.

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Speaker 4: I think that's a really good space to have a

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Speaker 4: conversation in as well. And I won't get into it now,

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Speaker 4: but yeah, Reo, it wouldn't be one of them, all right,

344
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Speaker 4: I reckon, we've got time for one more before we

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Speaker 4: go to a quick break.

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Speaker 1: What is sitting at number three?

347
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Speaker 4: All right? Less spicy than talking about resources? Just is

348
00:16:04,560 --> 00:16:07,600
Speaker 4: the SMP five hundred high yield low volatility ETF and

349
00:16:07,640 --> 00:16:10,320
Speaker 4: its ticker code absolutely makes no sense. It's z y

350
00:16:10,480 --> 00:16:11,680
Speaker 4: us us.

351
00:16:12,080 --> 00:16:15,480
Speaker 1: Zeus so us. I mean that makes me want to

352
00:16:15,480 --> 00:16:15,960
Speaker 1: buy it now.

353
00:16:16,080 --> 00:16:18,840
Speaker 4: Apart from its performance, I mean, this performance is okay,

354
00:16:18,840 --> 00:16:21,920
Speaker 4: but there's obviously two more better ones coming after the break.

355
00:16:22,080 --> 00:16:25,520
Speaker 4: But essentially, this ETF is really income focused. So it's

356
00:16:25,520 --> 00:16:28,400
Speaker 4: a fund that tries to track a select group of

357
00:16:28,600 --> 00:16:32,640
Speaker 4: US companies that are picked to maximize income, money win,

358
00:16:33,000 --> 00:16:36,600
Speaker 4: but also minimize risk or volatility that it is exposed to.

359
00:16:36,760 --> 00:16:40,120
Speaker 4: So that's, from my perspective, pretty sexy. Whoever's organizing that

360
00:16:40,200 --> 00:16:42,880
Speaker 4: sounds good. So you might know some of its current holdings,

361
00:16:42,920 --> 00:16:44,800
Speaker 4: and a lot of its holdings, from my perspective, are

362
00:16:44,840 --> 00:16:47,400
Speaker 4: actually kind of like in Australia we call them blue

363
00:16:47,440 --> 00:16:49,800
Speaker 4: chip stocks. I would say blue chip. They're tried, they're true,

364
00:16:49,800 --> 00:16:52,360
Speaker 4: they're tested, they've existed for a lot of years. So

365
00:16:52,440 --> 00:16:55,280
Speaker 4: for example, the technology company IBM, So you would have

366
00:16:55,320 --> 00:16:57,440
Speaker 4: heard of IBM, you would have heard of Chevron, you

367
00:16:57,480 --> 00:17:00,840
Speaker 4: would have heard of craft. Heins like that makes and

368
00:17:00,960 --> 00:17:04,080
Speaker 4: it might not be something that you recognize, Jess. But

369
00:17:04,359 --> 00:17:07,399
Speaker 4: Philip Morris International, do you know what that is?

370
00:17:07,560 --> 00:17:08,160
Speaker 1: No idea?

371
00:17:08,200 --> 00:17:10,000
Speaker 4: You probably haven't heard of it before, and it makes

372
00:17:10,000 --> 00:17:13,200
Speaker 4: sense because you don't smoke. They are a cigarette company,

373
00:17:13,359 --> 00:17:16,760
Speaker 4: and they are arguably the most recognized and best selling

374
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Speaker 4: international cigarette company. Marlborough Marlborough.

375
00:17:20,480 --> 00:17:22,040
Speaker 1: Oh yes, yeah, I'm not very heard at that.

376
00:17:22,160 --> 00:17:24,480
Speaker 4: It's never picked up a dart in my life. But

377
00:17:24,640 --> 00:17:26,439
Speaker 4: I find it really interesting. And I'm not trying to

378
00:17:26,440 --> 00:17:28,800
Speaker 4: give them credit. I just really like creeping on products.

379
00:17:28,960 --> 00:17:29,439
Speaker 1: But get this.

380
00:17:29,960 --> 00:17:34,560
Speaker 4: They are and were the biggest multinational tobacco company in

381
00:17:34,600 --> 00:17:36,919
Speaker 4: the US, with their products sold in more than one

382
00:17:37,000 --> 00:17:40,720
Speaker 4: hundred and eighty companies. And now if you google that company,

383
00:17:41,200 --> 00:17:44,600
Speaker 4: the description of their company is get this, Jessica. We're

384
00:17:44,600 --> 00:17:49,000
Speaker 4: building Philip Morris International's future on smoke free products that

385
00:17:49,080 --> 00:17:52,480
Speaker 4: are a better choice than cigarette smoking that goes in

386
00:17:52,760 --> 00:17:56,600
Speaker 4: direct conflict to the product that they sell. That's interesting

387
00:17:56,640 --> 00:17:59,680
Speaker 4: because they still produce the Ciggi's Baby. Yeah, Like they're

388
00:17:59,680 --> 00:18:01,840
Speaker 4: still taking most of their money off that, but they're

389
00:18:02,080 --> 00:18:04,800
Speaker 4: literally changing their focus because they know that the future

390
00:18:04,800 --> 00:18:06,560
Speaker 4: maybe doesn't include them, and they're trying to be on

391
00:18:06,560 --> 00:18:08,560
Speaker 4: that train. And I think that's really interesting. Is that

392
00:18:08,640 --> 00:18:10,880
Speaker 4: green washing or is that No, that's not green washing.

393
00:18:10,920 --> 00:18:13,520
Speaker 4: I think that that's a business identifying that they have

394
00:18:13,680 --> 00:18:16,760
Speaker 4: limited time left before they'll either be made illegal or

395
00:18:16,800 --> 00:18:20,200
Speaker 4: redundant or you know, drop in sales. Like here in Australia,

396
00:18:20,280 --> 00:18:23,480
Speaker 4: we know that the tax on cigarettes has absolutely been

397
00:18:23,560 --> 00:18:27,760
Speaker 4: astronomical for good reason. It's to deter people from purchasing it.

398
00:18:27,760 --> 00:18:29,520
Speaker 4: It's not because the government's trying to make more money.

399
00:18:29,520 --> 00:18:32,720
Speaker 4: They're just trying to make it more inaccessible, which makes sense.

400
00:18:33,040 --> 00:18:36,640
Speaker 4: But that leads to a decrease in people buying their product,

401
00:18:36,640 --> 00:18:39,040
Speaker 4: which means they have to also up their prices. So

402
00:18:39,400 --> 00:18:41,800
Speaker 4: I think it's just honestly, cigarettes are dying, and I'm

403
00:18:41,840 --> 00:18:43,960
Speaker 4: not mad about it anyway. I just find that interesting

404
00:18:44,000 --> 00:18:46,840
Speaker 4: about Philip Morris International because it's just nice to know

405
00:18:46,880 --> 00:18:52,399
Speaker 4: stuff about stuff, right. But zeus or US, which is

406
00:18:52,440 --> 00:18:55,000
Speaker 4: the S and P five hundred high Yield Low Volatility

407
00:18:55,040 --> 00:18:57,800
Speaker 4: etf I much prefers use manage to give all of

408
00:18:57,840 --> 00:19:01,119
Speaker 4: its investors a twenty twenty two financial year return of

409
00:19:01,160 --> 00:19:02,439
Speaker 4: twelve point seven percent.

410
00:19:02,520 --> 00:19:04,360
Speaker 1: Jessica, the concept.

411
00:19:03,960 --> 00:19:09,360
Speaker 4: Of a high yield low volatility very appealing, very sexy.

412
00:19:09,520 --> 00:19:11,639
Speaker 1: It may be sexy. Twelve point seven percent is not

413
00:19:11,640 --> 00:19:12,120
Speaker 1: bad either.

414
00:19:12,320 --> 00:19:15,639
Speaker 4: It's not bad, and I mean I would question like

415
00:19:15,720 --> 00:19:18,840
Speaker 4: I just feel like Philip Morris obviously exists. I'm like, oh,

416
00:19:18,960 --> 00:19:21,560
Speaker 4: is it really low volatility? There's so much risk. Yeah,

417
00:19:21,600 --> 00:19:24,359
Speaker 4: there's so much risk from me as a non smoker

418
00:19:24,400 --> 00:19:26,560
Speaker 4: because I'm like, that's going to be dead soon. But

419
00:19:27,040 --> 00:19:29,800
Speaker 4: addiction is what is driving their performance, so it's really

420
00:19:29,800 --> 00:19:32,080
Speaker 4: not going that far that fast. So that's why I'm

421
00:19:32,119 --> 00:19:34,679
Speaker 4: also super interested to see that they've changed their mission

422
00:19:34,720 --> 00:19:37,800
Speaker 4: statement because it's like, well, is that really what we're

423
00:19:37,840 --> 00:19:39,840
Speaker 4: working towards? Are you're going to protect your profits and

424
00:19:39,840 --> 00:19:41,879
Speaker 4: make yourselves look good. It's not green washing because they

425
00:19:41,880 --> 00:19:43,720
Speaker 4: are doing that, but it's also just, I don't know,

426
00:19:43,760 --> 00:19:44,920
Speaker 4: a little bit controversial.

427
00:19:45,080 --> 00:19:46,240
Speaker 1: Ah, super interesting.

428
00:19:46,320 --> 00:19:48,960
Speaker 4: Alrighty, let's go to a really quick break because we're

429
00:19:49,000 --> 00:19:50,880
Speaker 4: going to make you wait to learn about those top

430
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Speaker 4: two Baby, don't go anywhere.

431
00:19:56,520 --> 00:19:57,680
Speaker 1: Welcome back everybody.

432
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Speaker 4: Today we are reviewing the top five forming ETFs if

433
00:20:00,880 --> 00:20:03,480
Speaker 4: the twenty twenty one twenty twenty two financial Yeah, we

434
00:20:03,680 --> 00:20:06,600
Speaker 4: just got through numbers five to three, and now we've

435
00:20:06,600 --> 00:20:10,320
Speaker 4: saved the two best for us. That's true best because

436
00:20:10,359 --> 00:20:13,320
Speaker 4: like we're about to talk about a fuel ETF so

437
00:20:14,080 --> 00:20:18,000
Speaker 4: performing Yeah, like we didn't take ethics into consideration, and

438
00:20:18,040 --> 00:20:20,080
Speaker 4: I mean I thought about this. I was thinking when

439
00:20:20,119 --> 00:20:22,399
Speaker 4: we're scripting this jests and just like pulling together all

440
00:20:22,440 --> 00:20:24,280
Speaker 4: the research. I was like, maybe we should do like

441
00:20:24,320 --> 00:20:28,080
Speaker 4: the top performing ethical ETFs, but like ethical means something

442
00:20:28,080 --> 00:20:30,520
Speaker 4: different to literally everybody, and there's no way of me

443
00:20:30,600 --> 00:20:34,280
Speaker 4: pulling together a top performing ethical ETF list without it

444
00:20:34,320 --> 00:20:36,960
Speaker 4: becoming a recommendation, because then I would have to say, oh,

445
00:20:37,040 --> 00:20:39,440
Speaker 4: I believe this is ethical, and that's not the case

446
00:20:39,440 --> 00:20:40,200
Speaker 4: here in Australia.

447
00:20:40,240 --> 00:20:41,159
Speaker 1: You just can't do that.

448
00:20:41,600 --> 00:20:43,840
Speaker 4: So till we have that, maybe we could do like

449
00:20:44,200 --> 00:20:48,200
Speaker 4: a top ESG investing portfolio or something.

450
00:20:48,280 --> 00:20:50,400
Speaker 1: Yes, but I mean slide into our.

451
00:20:50,400 --> 00:20:52,400
Speaker 4: DMS and let us know what you want, because we

452
00:20:52,440 --> 00:20:54,840
Speaker 4: really like not having to think of our own topics

453
00:20:55,480 --> 00:20:58,600
Speaker 4: and really like being spoon fed. But speaking of spoonfed,

454
00:20:58,880 --> 00:21:01,119
Speaker 4: I went to the a Sex website and took the

455
00:21:01,119 --> 00:21:04,800
Speaker 4: top five performing ETFs of twenty twenty two's financial year,

456
00:21:04,840 --> 00:21:06,480
Speaker 4: and now I'm presenting them to you guys.

457
00:21:06,520 --> 00:21:07,760
Speaker 1: As if I did all the work.

458
00:21:07,560 --> 00:21:09,879
Speaker 4: Myself, you still a little bit of the work, got

459
00:21:09,920 --> 00:21:12,000
Speaker 4: a little bit of the work he ASX did most

460
00:21:12,040 --> 00:21:15,080
Speaker 4: of it. But so number two we've got the Beta

461
00:21:15,080 --> 00:21:19,040
Speaker 4: Shares Global Energy Company's ETF, which has the ticker code

462
00:21:19,119 --> 00:21:20,640
Speaker 4: Jess fuel.

463
00:21:20,400 --> 00:21:22,240
Speaker 1: Oh tell me more, what does that contain?

464
00:21:22,359 --> 00:21:24,600
Speaker 4: Just press that they got that, Like what a good

465
00:21:24,640 --> 00:21:27,800
Speaker 4: ticker code. So basically, this is really similar to the

466
00:21:27,800 --> 00:21:30,120
Speaker 4: first ETF that we talked about. So we talked about

467
00:21:30,119 --> 00:21:33,119
Speaker 4: the Beta Shares Global Agricultural Fund, which was the ASX

468
00:21:33,119 --> 00:21:35,879
Speaker 4: ticker code food. Now we're talking about the ASX ticker

469
00:21:35,880 --> 00:21:38,320
Speaker 4: code Fuel. So I would argue that Beta shares are

470
00:21:38,359 --> 00:21:40,760
Speaker 4: the most creative and kind of witty when it comes

471
00:21:40,760 --> 00:21:45,440
Speaker 4: to mating their ASX ticker codes. But this fund, in contrast,

472
00:21:45,480 --> 00:21:48,800
Speaker 4: actually holds a diversified range of global energy shares rather

473
00:21:48,840 --> 00:21:52,520
Speaker 4: than agricultural ones. So once again we see Chevron here.

474
00:21:52,640 --> 00:21:56,160
Speaker 4: Again Chevron is a really big oil and resources company.

475
00:21:56,320 --> 00:21:58,840
Speaker 4: But then we see like Mobile and Royal, Dutch Shell

476
00:21:58,920 --> 00:22:01,480
Speaker 4: and BP, so all of the big names that if

477
00:22:01,480 --> 00:22:03,920
Speaker 4: I said, Jess, you're on, like the price is right,

478
00:22:04,000 --> 00:22:06,560
Speaker 4: what are the top five fuel companies? You probably put

479
00:22:06,600 --> 00:22:10,800
Speaker 4: them all into this ETF. And this ETF actually really

480
00:22:10,800 --> 00:22:14,080
Speaker 4: outperformed the other three that we have already discussed because

481
00:22:14,320 --> 00:22:17,640
Speaker 4: over the twenty twenty two financial years, twenty seven point

482
00:22:17,720 --> 00:22:20,840
Speaker 4: nine percent return, twenty seven point nine that's sounding a

483
00:22:20,840 --> 00:22:22,960
Speaker 4: lot better than when we started this list at three

484
00:22:22,960 --> 00:22:25,920
Speaker 4: point five, it's just like a lot more clickbaity, right,

485
00:22:26,040 --> 00:22:28,800
Speaker 4: It's far more clickbaity than you know what it was

486
00:22:28,840 --> 00:22:30,520
Speaker 4: going to be. So I'm probably going to use this

487
00:22:30,560 --> 00:22:34,400
Speaker 4: to market episode. Yeah, very smart from you. Obviously, as

488
00:22:34,400 --> 00:22:39,440
Speaker 4: we said before, resources very controversial, petrol particularly, But that's

489
00:22:39,480 --> 00:22:42,240
Speaker 4: what's really frustrating about this space, right, Like when I

490
00:22:42,280 --> 00:22:46,359
Speaker 4: was putting together share portfolios way back when it wasn't

491
00:22:46,640 --> 00:22:51,280
Speaker 4: normal to take into consideration ethical considerations, really, I would

492
00:22:51,320 --> 00:22:53,840
Speaker 4: talk to people and it's just like a no brainer

493
00:22:53,960 --> 00:22:57,560
Speaker 4: to put resources as one of the biggest players, especially

494
00:22:57,560 --> 00:23:00,320
Speaker 4: in high net wealth share portfolios, because they just so

495
00:23:00,400 --> 00:23:04,480
Speaker 4: tried and true and kind of stable. Like historically, obviously

496
00:23:04,480 --> 00:23:06,920
Speaker 4: at the moment we are going through a pretty tumultuous time,

497
00:23:06,960 --> 00:23:10,200
Speaker 4: but historically they would just pay their dividends, do their job,

498
00:23:10,720 --> 00:23:14,439
Speaker 4: you know, keep bringing resources in. Like it just it

499
00:23:14,520 --> 00:23:18,120
Speaker 4: was something where old school people would just buy BEHP

500
00:23:18,200 --> 00:23:21,240
Speaker 4: because it made sense. Like I remember having one client, Jess,

501
00:23:21,520 --> 00:23:23,639
Speaker 4: and obviously I didn't on board them. It was like

502
00:23:23,680 --> 00:23:27,120
Speaker 4: a historical client that I inherited and I loved them,

503
00:23:27,480 --> 00:23:30,479
Speaker 4: so they passed away and their portfolio was inherited by

504
00:23:30,520 --> 00:23:33,360
Speaker 4: their son who ultimately became my client, and we were

505
00:23:33,400 --> 00:23:35,919
Speaker 4: talking about the portfolio and what we wanted to do,

506
00:23:36,000 --> 00:23:39,159
Speaker 4: and this son was really passionate about ethical investing, like

507
00:23:39,600 --> 00:23:42,520
Speaker 4: so passionate about the Great Barrier reef and really hated

508
00:23:42,560 --> 00:23:44,439
Speaker 4: the fact. I might have told this story on the

509
00:23:44,440 --> 00:23:47,720
Speaker 4: podcast before, but really hated the fact that he owned

510
00:23:47,760 --> 00:23:50,280
Speaker 4: BEHP because he was, like, I do so much he

511
00:23:50,320 --> 00:23:52,840
Speaker 4: does volunteering to like clean up the reef and like

512
00:23:53,080 --> 00:23:55,760
Speaker 4: you know, it donates money, and like very high networth

513
00:23:55,840 --> 00:23:57,560
Speaker 4: family as well. He's like, I need to get rid

514
00:23:57,560 --> 00:24:01,440
Speaker 4: of it. But when we went and did the analysis

515
00:24:01,480 --> 00:24:03,679
Speaker 4: to work out how much it would cost him to

516
00:24:03,720 --> 00:24:06,320
Speaker 4: dispose of the shares, we had to go so far

517
00:24:06,440 --> 00:24:09,800
Speaker 4: back that his shares in BHP were bought in British

518
00:24:09,800 --> 00:24:14,800
Speaker 4: pound sterling wow, back when we didn't even have Australian currency,

519
00:24:14,880 --> 00:24:17,840
Speaker 4: because his dad and then his grandfather had bought them

520
00:24:18,200 --> 00:24:21,560
Speaker 4: and obviously they were so cheap that now that he

521
00:24:21,640 --> 00:24:24,119
Speaker 4: needed to sell them, just think about those capital gains.

522
00:24:24,800 --> 00:24:27,600
Speaker 4: He was going to lose nearly half of his portfolio

523
00:24:27,640 --> 00:24:30,080
Speaker 4: just by extinguishing it and like selling down that asset

524
00:24:30,119 --> 00:24:32,159
Speaker 4: to buy something else. And when it comes to the

525
00:24:32,200 --> 00:24:34,639
Speaker 4: power of money. I mean, this is a complete side

526
00:24:34,680 --> 00:24:37,680
Speaker 4: note and a complete tangent, but like I think it's interesting.

527
00:24:38,160 --> 00:24:40,880
Speaker 4: We ended up coming to the agreement that we would

528
00:24:40,880 --> 00:24:44,080
Speaker 4: actually keep those shares because the money that that share

529
00:24:44,200 --> 00:24:46,560
Speaker 4: was making could be donated to saving the reef and

530
00:24:46,600 --> 00:24:49,359
Speaker 4: you know, having a positive impact. So even if you

531
00:24:49,440 --> 00:24:52,200
Speaker 4: own things, sometimes that's not the best idea to just

532
00:24:52,320 --> 00:24:55,080
Speaker 4: sell them down because your quote values have changed, because

533
00:24:55,119 --> 00:24:57,760
Speaker 4: the impact might be far bigger than what you can

534
00:24:57,800 --> 00:25:00,160
Speaker 4: do with the money that your money is making. Think

535
00:25:00,200 --> 00:25:02,840
Speaker 4: that there's just a lot to think about here, and

536
00:25:03,080 --> 00:25:05,280
Speaker 4: you know, there's absolutely no shame in what you own.

537
00:25:05,480 --> 00:25:07,760
Speaker 4: I want you to be just really happy, but there

538
00:25:07,760 --> 00:25:10,520
Speaker 4: are sometimes creative ways that we need to go round

539
00:25:10,600 --> 00:25:12,680
Speaker 4: to make sure that you are happy with the portfolio

540
00:25:12,680 --> 00:25:15,720
Speaker 4: that you have. Yeah, super interesting, not at all surprising

541
00:25:15,840 --> 00:25:19,640
Speaker 4: with the rising energy prices that that particular ETF did

542
00:25:19,840 --> 00:25:23,040
Speaker 4: pretty well. I'm not surprised to either, Jess. But you

543
00:25:23,119 --> 00:25:25,520
Speaker 4: know what, we have one that has come in at

544
00:25:25,600 --> 00:25:28,760
Speaker 4: over fifty percent and that is our number one performing

545
00:25:28,840 --> 00:25:33,399
Speaker 4: asx ETF of twenty twenty two's financial year. Can you

546
00:25:33,440 --> 00:25:36,000
Speaker 4: guess what space it is in I'm gonna say resource.

547
00:25:36,160 --> 00:25:38,640
Speaker 1: It is in resource is your genius.

548
00:25:38,760 --> 00:25:41,880
Speaker 4: Beta Shares have taken out three of the top spots

549
00:25:41,880 --> 00:25:44,520
Speaker 4: in this list. By the way, Ah, they've done well.

550
00:25:44,560 --> 00:25:46,720
Speaker 4: I feel like they did really well. They work upstairs

551
00:25:46,720 --> 00:25:49,480
Speaker 4: from us, Jess, they're in our office. We're basically best

552
00:25:49,520 --> 00:25:52,960
Speaker 4: friends with an ETF provider. Ten out of ten love

553
00:25:53,040 --> 00:25:55,280
Speaker 4: their work. But the Beta shares, this one doesn't sound

554
00:25:55,359 --> 00:25:58,960
Speaker 4: nearly as sexy. The Beta Shares Crude Oil Index ETF,

555
00:25:59,280 --> 00:26:05,119
Speaker 4: which has the taker CODEO ooho or if you like

556
00:26:05,200 --> 00:26:07,000
Speaker 4: kind of blow your eyes, the o's kind of get

557
00:26:07,040 --> 00:26:09,560
Speaker 4: a little bit skinnier and it's like triple zero. Please

558
00:26:09,560 --> 00:26:12,880
Speaker 4: call them because you own a crude oil ETF. But yeah,

559
00:26:12,960 --> 00:26:15,119
Speaker 4: let's not get into that. My personal opinion should not

560
00:26:15,200 --> 00:26:19,280
Speaker 4: be foreshadowing your decisions as an investor. But essentially the

561
00:26:19,280 --> 00:26:23,080
Speaker 4: best performing ASX ETF is the Beta Shares Crude Oil

562
00:26:23,200 --> 00:26:26,880
Speaker 4: Index ETF, and basically it's another energy focused one, which

563
00:26:26,880 --> 00:26:30,199
Speaker 4: we're not surprised about. But it's actually nothing like the

564
00:26:30,200 --> 00:26:33,119
Speaker 4: funds that we've already talked about. So instead of tracking

565
00:26:33,240 --> 00:26:38,640
Speaker 4: energy companies, it actually only invests in West Texas intermediate

566
00:26:38,760 --> 00:26:42,119
Speaker 4: crude oil futures contracts and doesn't actually hold any shares

567
00:26:42,119 --> 00:26:42,479
Speaker 4: within it.

568
00:26:42,560 --> 00:26:43,200
Speaker 1: What does that mean?

569
00:26:43,280 --> 00:26:46,760
Speaker 4: Not holding any actual shares, so jess, instead of having

570
00:26:46,840 --> 00:26:49,800
Speaker 4: shares of other companies. Like before, we were talking about

571
00:26:49,880 --> 00:26:52,880
Speaker 4: the Beta shares global energy companies, and I listed out

572
00:26:52,880 --> 00:26:55,760
Speaker 4: the companies that it had shares in, So in its

573
00:26:55,800 --> 00:26:59,879
Speaker 4: basket it holds little pieces of other companies, whereas the

574
00:27:00,040 --> 00:27:03,080
Speaker 4: Crude Oil Index does not actually do that. It actually

575
00:27:03,119 --> 00:27:07,080
Speaker 4: only invests in crude oil futures contracts, so actual contracts,

576
00:27:07,080 --> 00:27:10,479
Speaker 4: so basically pieces of paper are in your ETF, and

577
00:27:10,520 --> 00:27:12,920
Speaker 4: it tracks the average and the returns of the West

578
00:27:12,920 --> 00:27:16,880
Speaker 4: Texas Intermediate Crude Oil futures as opposed to actual shares

579
00:27:16,920 --> 00:27:20,359
Speaker 4: that might be invested inside that. So it's actually just

580
00:27:20,520 --> 00:27:23,760
Speaker 4: futures contracts instead of shares. I didn't even know that

581
00:27:23,840 --> 00:27:25,399
Speaker 4: was a thing. It's wild what you can do with

582
00:27:25,440 --> 00:27:26,639
Speaker 4: an ETF these days.

583
00:27:26,840 --> 00:27:27,240
Speaker 1: Wow.

584
00:27:27,280 --> 00:27:30,600
Speaker 4: So it has obviously been the biggest performer over the

585
00:27:30,680 --> 00:27:35,080
Speaker 4: last financial year with let's take it away with sixty

586
00:27:35,200 --> 00:27:38,359
Speaker 4: point three percent over that period of time.

587
00:27:38,920 --> 00:27:41,280
Speaker 1: Wow, that is a huge amount.

588
00:27:41,720 --> 00:27:44,320
Speaker 4: I agree, But I also think it's kind of funny

589
00:27:44,320 --> 00:27:47,919
Speaker 4: that it's West Texas shares, so basically it's just a

590
00:27:47,920 --> 00:27:51,119
Speaker 4: benchmark that is used in trading, and there's another few.

591
00:27:51,240 --> 00:27:54,760
Speaker 4: There's the Brent Crude and there's the Dubai Omann Crude

592
00:27:54,800 --> 00:27:57,639
Speaker 4: Oil Index. So it's all quite interesting in that space.

593
00:27:57,640 --> 00:28:00,920
Speaker 4: But no, ETFs don't just necessarily have to hold shares

594
00:28:01,040 --> 00:28:03,000
Speaker 4: just they can also hold bonds, which I think is

595
00:28:03,080 --> 00:28:06,400
Speaker 4: quite interesting. But given how conservative they are, they were

596
00:28:06,440 --> 00:28:08,600
Speaker 4: never going to make it to the top five performing

597
00:28:08,640 --> 00:28:12,600
Speaker 4: of twenty twenty twos financial year super interesting. A lot

598
00:28:12,600 --> 00:28:15,439
Speaker 4: of resources this year, which I feel like was not

599
00:28:15,680 --> 00:28:16,679
Speaker 4: as much the case last year.

600
00:28:16,720 --> 00:28:18,919
Speaker 1: Last year, I remember correctly, was very tech heavy.

601
00:28:19,240 --> 00:28:21,480
Speaker 4: Yeah, very tech heavy because of what we've just gone

602
00:28:21,560 --> 00:28:24,080
Speaker 4: through and now think about the world coming back. If

603
00:28:24,119 --> 00:28:26,760
Speaker 4: you're getting more expensive, the war that's going on at

604
00:28:26,760 --> 00:28:29,879
Speaker 4: the moment involving Russia and Ukraine, like, there is a

605
00:28:29,920 --> 00:28:33,680
Speaker 4: lot going on in that space making oil and resources

606
00:28:33,800 --> 00:28:36,760
Speaker 4: far more valuable and people want to get their hands

607
00:28:36,760 --> 00:28:38,880
Speaker 4: on them. So it kind of makes sense that this

608
00:28:39,080 --> 00:28:41,880
Speaker 4: is the way that our top five shares are performing.

609
00:28:41,920 --> 00:28:44,280
Speaker 4: And I actually I kind of want to like speed

610
00:28:44,320 --> 00:28:46,440
Speaker 4: into the future and see what next year looks like,

611
00:28:46,480 --> 00:28:48,640
Speaker 4: because it's going to be different again, it always is.

612
00:28:48,880 --> 00:28:49,880
Speaker 1: That's what I was just going to say.

613
00:28:49,960 --> 00:28:53,360
Speaker 4: Imagine us sitting here in twelve months time, reviewing again

614
00:28:53,560 --> 00:28:55,800
Speaker 4: another year, and if it's like a whole different bunch

615
00:28:55,800 --> 00:28:58,200
Speaker 4: of sectors or like, it's just interesting to think about

616
00:28:58,280 --> 00:29:01,400
Speaker 4: how it can change so much in such a short

617
00:29:01,440 --> 00:29:03,640
Speaker 4: period of time. Yeah, yeah, I get it. And I

618
00:29:03,640 --> 00:29:06,600
Speaker 4: guess this is a really good example of why this

619
00:29:06,760 --> 00:29:09,400
Speaker 4: is not a recommendation for things that you should buy,

620
00:29:09,600 --> 00:29:12,840
Speaker 4: because the shares that we listed last year not on

621
00:29:12,880 --> 00:29:15,680
Speaker 4: this list, So if you're expecting the same performance, it's

622
00:29:15,720 --> 00:29:18,120
Speaker 4: just not going to happen. Like this is what has happened,

623
00:29:18,120 --> 00:29:20,360
Speaker 4: not what will happen. And I think this is just

624
00:29:20,400 --> 00:29:23,840
Speaker 4: like really good pieces of education because it just teaches

625
00:29:23,880 --> 00:29:25,760
Speaker 4: you a lot about one the share market and how

626
00:29:25,800 --> 00:29:28,480
Speaker 4: it performs, but also like what's the economy up to?

627
00:29:28,680 --> 00:29:30,880
Speaker 4: What does that mean when we then look at the

628
00:29:30,920 --> 00:29:33,520
Speaker 4: share market and it makes sense that the performance isn't

629
00:29:33,800 --> 00:29:35,920
Speaker 4: blowing us out of the water in the same way.

630
00:29:36,240 --> 00:29:38,400
Speaker 4: But like, mate, I'd be happy with any of those

631
00:29:38,520 --> 00:29:41,040
Speaker 4: returns at this point in time because I'm still in

632
00:29:41,080 --> 00:29:44,160
Speaker 4: the red. Yeah, same queen, but I recoonne it's about

633
00:29:44,200 --> 00:29:47,240
Speaker 4: it today. I hope you guys enjoyed this rap episode.

634
00:29:47,320 --> 00:29:49,280
Speaker 4: Let us know if there are any other categories he

635
00:29:49,440 --> 00:29:49,920
Speaker 4: likes to wrap.

636
00:29:50,000 --> 00:29:50,560
Speaker 1: Last year we.

637
00:29:50,520 --> 00:29:54,280
Speaker 4: Did the top literary rap will just summarize. Yeah, we'll

638
00:29:54,360 --> 00:29:57,719
Speaker 4: leave the rapping to all the real wrappers. Last year,

639
00:29:57,760 --> 00:29:59,720
Speaker 4: I think we did the top five performing shares as well,

640
00:29:59,720 --> 00:30:01,960
Speaker 4: which be another fun mount if people are still keen

641
00:30:02,240 --> 00:30:05,440
Speaker 4: individual shares like we are absolutely doing that. I've got

642
00:30:05,480 --> 00:30:05,840
Speaker 4: we did that.

643
00:30:05,880 --> 00:30:06,320
Speaker 1: I'm on it.

644
00:30:06,440 --> 00:30:07,360
Speaker 4: I'm on it. I'm on it.

645
00:30:07,480 --> 00:30:10,080
Speaker 1: She's gonna go do research right this second. I've got

646
00:30:10,160 --> 00:30:11,240
Speaker 1: to go. Guys, I am Audi.

647
00:30:11,400 --> 00:30:13,560
Speaker 4: Before we do go, don't forget. If you do want

648
00:30:13,560 --> 00:30:15,760
Speaker 4: to talk all things finance, join the Facebook group. There's

649
00:30:15,960 --> 00:30:18,880
Speaker 4: almost two hundred and fifty thousand people in there talking

650
00:30:19,120 --> 00:30:23,120
Speaker 4: about shares, about investing, about budget and cash flow, and

651
00:30:23,200 --> 00:30:24,720
Speaker 4: just anything finance related.

652
00:30:24,480 --> 00:30:26,239
Speaker 1: That you coul possibly think of. We're talking about it.

653
00:30:26,440 --> 00:30:28,400
Speaker 4: So she's on the money on Facebook to find us.

654
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Speaker 4: Facebook's not your thing. We're on Insta. It's cute, it's fun.

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00:30:31,800 --> 00:30:33,840
Speaker 4: I think it's a good time. She's on the money

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00:30:33,840 --> 00:30:36,479
Speaker 4: aus to find us over there. And of course, if

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00:30:36,480 --> 00:30:39,000
Speaker 4: you enjoyed the episode, we would so appreciate it. If

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00:30:39,000 --> 00:30:41,640
Speaker 4: you leave us a review, it means a lot to us.

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00:30:41,680 --> 00:30:43,680
Speaker 4: We read them all and I think on Spotify now

660
00:30:43,720 --> 00:30:45,560
Speaker 4: you can leave us a star, which makes the higher

661
00:30:45,600 --> 00:30:47,280
Speaker 4: achiever in me very excited.

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00:30:47,480 --> 00:30:49,160
Speaker 1: All right, guys, see you next week.

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Speaker 4: Bye. The ad buy shared on She's on the Money

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00:30:58,720 --> 00:31:02,440
Speaker 4: is generally nature and does not consider your individual circumstances.

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00:31:02,800 --> 00:31:06,200
Speaker 4: She's on the Money exists purely for educational purposes and

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00:31:06,240 --> 00:31:08,680
Speaker 4: should not be relied upon to make an investment or

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00:31:08,760 --> 00:31:12,320
Speaker 4: financial decision. If you do choose to buy a financial product,

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00:31:12,440 --> 00:31:16,440
Speaker 4: read the PDS TMD and obtain appropriate financial advice tailored

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00:31:16,440 --> 00:31:19,920
Speaker 4: towards your needs. Victoria Divine and She's on the Money

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00:31:19,960 --> 00:31:24,880
Speaker 4: are authorized representatives of money. Sheper pty Ltd ABN three

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00:31:24,920 --> 00:31:28,200
Speaker 4: two one six four nine two seven seven zero eight

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00:31:28,480 --> 00:31:33,360
Speaker 4: AFSL four five one two eight nine