Get Started Investing

4 months into her investing journey and Jess’ life has completely changed.

She’s since bought a house, switched her core portfolio to geared investments, gotten a dog and combined finances with her partner. Safe to say- there’s been A Lot™️ on 🤣.

With all that change, she’s got a few questions still playing on her mind.

Things like: Should dollar cost averaging be monthly, or weekly? How should you invest in a stocks if you’re not dollar cost averaging into them? Why are her Geared ETFS not performing like she thought they would?

Jess sat down with Bryce and Ren to share what her portfolio looks like today and get these questions answered.

Chapters:

00:00:00 My Portfolio Check-In: What's Changed?

00:03:40 Buying A House Changed My Money Plan

00:05:20 My Portfolio Is Finally Taking Shape

00:06:30 I Swapped To Geared ETFs... Was It A Mistake?

00:10:00 How Do You Buy Individual Stocks?

00:12:43 Build Your Core Before Chasing Stock Picks

00:14:34 Should Beginners Use Geared ETFs?

00:18:56 Monthly Or Weekly Investing: Does It Matter?

00:23:45 When To Buy More Of A Stock

00:27:15 Why A Strong Core Portfolio Wins

Links mentioned in this episode:

📩 Sign up to the Get Started Investing newsletter here

📩 Share your investing story with us submit here

🎟️ FinFest tickets - Buy early bird tickets here

🎧 Episodes that Jess references:

• Jess’ last portfolio update with Bryce and Ren
• Geared ETFs with Cam
• Investing in AI with Owen Rask
• How often should you DCA?
• How couples invest and manage money
• Expert teaches Jess to Pick Stocks
• 
  

Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.

———

Thanks to MLC for sponsoring this series and helping keep our content free.

If you’re the type of person who spends weekends comparing ETF’s, keeps an eye on crypto, and never misses an episode of Equity Mates, here’s one investment you may be overlooking – your super.

MLC knows it might not seem as exciting as picking your next investment, but thanks to tax advantages and decades of compound growth, it could end up being one of the hardest working investments you own. See how your super could be working harder with MLC at mlc.com.au

Disclaimer: Products issued by NULIS Nominees (Australia) Ltd as trustee of MLC Super Fund. General information only. Read the PDS & TMD available at mlc.com.au and consider if it’s right for you.

———

In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.

———

Get Started Investing is a product of Equity Mates Media.

This podcast is intended for education and entertainment purposes only. Any advice is general advice, and has not taken into account your personal financial circumstances. Before acting on general advice, you should consider if it is relevant to your needs. If you are unsure, please speak to a financial professional. The hosts of this podcast and their guests may have positions in the companies mentioned. Equity Mates Media is part of the Betashares group but maintains editorial independence.

Equity Mates Media operates under Australian Financial Services Licence 540697.

Hosted on Acast. See acast.com/privacy for more information.

Hosted on Acast. See acast.com/privacy for more information.

Do you know how much is in your super? Or what it’s invested in?

Most Australians know what's in their bank account but superannuation? Not a clue. This lack of attention has a cost- missing out on thousands more at retirement.

So today, Jess gives her super a 5-step health check. She'd love for you to do the same alongside her.

Walking us through the list is Jen, Head of Technical Services at MLC. Jen explains the small decisions that can make all the difference including; checking your fees, insurances and investment settings.

By the end of this episode, you'll know exactly what to check, what to fix, and how to make super part of your financial habits.

Chapters:

00:00:00 Is Your Super Working Hard Enough?

00:04:01 Where Is Your Super Actually Invested?

00:08:30 The Hidden Cost Of Playing It Too Safe

00:11:14 How Much Are Super Fees Costing You?

00:14:28 The Insurance You Might Already Have

00:22:22 Who Gets Your Super If You Die?

00:27:00 Is Your Employer Paying Enough Super?

00:29:27 Your 15 Minute Super Health Check

00:32:00 How Often Should You Check Your Super?

Links mentioned in this episode:

📩 Sign up to the Get Started Investing newsletter here

📩 Share your investing story with us submit here

🎟️ FinFest tickets - here

Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.

———

Thanks to MLC for sponsoring this series and helping keep our content free.

If you’re the type of person who spends weekends comparing ETF’s, keeps an eye on crypto, and never misses an episode of Equity Mates, here’s one investment you may be overlooking – your super.

MLC knows it might not seem as exciting as picking your next investment, but thanks to tax advantages and decades of compound growth, it could end up being one of the hardest working investments you own. See how your super could be working harder with MLC at mlc.com.au

Disclaimer: Products issued by NULIS Nominees (Australia) Ltd as trustee of MLC Super Fund. General information only. Read the PDS & TMD available at mlc.com.au and consider if it’s right for you.

———

In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.

———

Get Started Investing is a product of Equity Mates Media.

This podcast is intended for education and entertainment purposes only. Any advice is general advice, and has not taken into account your personal financial circumstances. Before acting on general advice, you should consider if it is relevant to your needs. If you are unsure, please speak to a financial professional. The hosts of this podcast and their guests may have positions in the companies mentioned. Equity Mates Media is part of the Betashares group but maintains editorial independence.

Equity Mates Media operates under Australian Financial Services Licence 540697.

Hosted on Acast. See acast.com/privacy for more information.

Ryan thought he was doing everything right with his money until a stock tip made his ETF feel like the wrong choice.

For years, Ryan followed a very traditional approach to money: work hard, save hard and eventually buy a house. Then he discovered compound interest, started investing and found himself comparing two very different ways to put his money to work.

What did that stock investment teach him? And how did it shape the kind of investor he wants to be?

Ryan joins Jess to share how he got started investing, what his portfolio looks like today, the sleepless nights that came with his most concentrated investment yet—backing his own business—and why that experience has made the share market feel surprisingly safe.

For more regular updates from Jess’ investing journey, follow along on Instagram at getstartedinvesting_.

Chapters:

00:00:00 From Saving Hard To Investing Smarter

00:03:30 How Ryan Learned To Think About Money

00:07:00 The Investing Lesson That Changed Everything

00:09:32 His First Stock Tip And $3000 Bet

00:12:22 Why Ryan Gave Up Picking Stocks

00:16:42 Betting On Himself And His Business

00:20:37 Why The Stock Market Now Feels Safer

00:23:18 What Ryan Is Building Wealth For

00:25:30 The Reality Of Backing Your Own Business

00:27:15 The Advice He Wishes He Heard Earlier

Links mentioned in this episode:

📩 Sign up to the Get Started Investing newsletter here

📩 Share your investing story with us submit here

🎟️ FinFest tickets - Buy early bird tickets here

Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.

———

Thanks to ShopBack for sponsoring this series.

Want to get paid for shopping online? 💸 ShopBack gives you real Cashback on purchases you're already making, which you can then transfer into your bank account (or brokerage app!).

Download the app here and use code GETSTARTED20 to get a $20 cashback bonus once you've earned your first $10!

———

Get Started Investing is a product of Equity Mates Media.

This podcast is intended for education and entertainment purposes only. Any advice is general advice, and has not taken into account your personal financial circumstances. Before acting on general advice, you should consider if it is relevant to your needs. If you are unsure, please speak to a financial professional. The hosts of this podcast and their guests may have positions in the companies mentioned. Equity Mates Media is part of the Betashares group but maintains editorial independence.

Equity Mates Media operates under Australian Financial Services Licence 540697.

Hosted on Acast. See acast.com/privacy for more information.

What if you already had more money to invest... you just didn't realise it?

Jess has spent months manually analysing her spending, trying to free up more money to invest. This week, she wants to know if AI can make the process easier.

Together with a chartered accountant and financial controller, Isabelle from Mind Her Money, Jess explores how to safely use AI to better understand your spending (including actual prompts you can use), what patterns to look for and how to spot the money that's quietly slipping away without adding real value to your life.

Because the goal isn't to stop spending money.

It's to stop wasting money on the things you don't value, so you can spend more on the things you do and invest the difference.

Plus, Jess puts a "Real Price Tag" calculator to the test to see what one of her regular fortnightly expenses could be worth if she invested instead……… she was shocked!

Also, you can now follow Jess’s journey & learnings more closely with regular updates on Instagram at getstartedinvesting_

Chapters:

00:00:00 Can AI Find You More Money To Invest?

00:02:30 How AI Can Analyse Your Spending

00:04:54 Using Your Financial Data Safely

00:08:53 What To Ask AI About Your Spending

00:13:02 Finding Money You Will Not Miss

00:18:18 Spend More On What You Actually Value

00:21:41 When Saving Goes Too Far

00:24:18 The Real Cost Of Your Everyday Spending

00:28:09 Your AI Spending Challenge

Links mentioned in this episode:

If you’re interested in trying to use AI to analyse your spending, Isabelle and Jess have put together an ‘AI playbook’ with prompts to try yourself here.

You can also play around with Isabelle’s ‘Real Price Tag’ calculator here, once you’ve figured out where your money is going!

📩 Sign up to the Get Started Investing newsletter here

📩 Share your investing story with us submit here

🎟️ FinFest tickets - Buy early bird tickets here

Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.

———

Thanks to MLC for sponsoring this series and helping keep our content free.

If you’re the type of person who spends weekends comparing ETF’s, keeps an eye on crypto, and never misses an episode of Equity Mates, here’s one investment you may be overlooking – your super.

MLC knows it might not seem as exciting as picking your next investment, but thanks to tax advantages and decades of compound growth, it could end up being one of the hardest working investments you own.

See how your super could be working harder with MLC at mlc.com.au

Disclaimer: Products issued by NULIS Nominees (Australia) Ltd as trustee of MLC Super Fund. General information only. Read the PDS & TMD available at mlc.com.au and consider if it’s right for you.

———

In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.

———

Get Started Investing is a product of Equity Mates Media.

This podcast is intended for education and entertainment purposes only. Any advice is general advice, and has not taken into account your personal financial circumstances. Before acting on general advice, you should consider if it is relevant to your needs. If you are unsure, please speak to a financial professional. The hosts of this podcast and their guests may have positions in the companies mentioned. Equity Mates Media is part of the Betashares group but maintains editorial independence.

Equity Mates Media operates under Australian Financial Services Licence 540697.

Hosted on Acast. See acast.com/privacy for more information.

Kelly grew up watching her immigrant parents work two jobs, seven days a week, after arriving in Australia with very little money.

She thought the only path to wealth was to work harder.

Then she discovered investing and realised her money could work just as hard as she did.

Before turning 30, she's built a $280,000 investment portfolio and bought two investment properties.

Jess sits down with Kelly to unpack the lessons she learned from watching her parents' sacrifices, why she focuses on growing her income as much as her investments (more than doubling it in just a few years), how she uses both property and shares to build wealth and why you absolutely don't need to be rich to get started.

For more regular updates from Jess’ investing journey, follow along on instagram at getstartedinvesting_

Chapters:

00:00:00 From Super Saver To Serious Investor

00:03:48 The Money Lessons That Started It All

00:07:43 Buying Her First Property In Her Twenties

00:11:17 Why Saving Alone Was Not Enough

00:14:00 Turning One Hundred Dollars Into A Habit

00:17:51 How Kelly Built Her Portfolio

00:21:11 Growing Her Income From 75K To 175K

00:24:30 Avoiding Lifestyle Creep As Income Grows

00:26:00 What Kelly Is Building Wealth For

00:29:14 Why Investing Is Not Just For The Rich

Links mentioned in this episode:

📩 Sign up to the Get Started Investing newsletter here

📩 Share your investing story with us submit here

🎟️ FinFest tickets - Buy early bird tickets here

Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.

———

Thanks to ShopBack for sponsoring this series.

Want to get paid for shopping online? 💸 ShopBack gives you real Cashback on purchases you're already making, which you can then transfer into your bank account (or brokerage app!).

Download the app here and use code GETSTARTED20 to get a $20 cashback bonus once you've earned your first $10!

———

Get Started Investing is a product of Equity Mates Media.

This podcast is intended for education and entertainment purposes only. Any advice is general advice, and has not taken into account your personal financial circumstances. Before acting on general advice, you should consider if it is relevant to your needs. If you are unsure, please speak to a financial professional. The hosts of this podcast and their guests may have positions in the companies mentioned. Equity Mates Media is part of the Betashares group but maintains editorial independence.

Equity Mates Media operates under Australian Financial Services Licence 540697.

Hosted on Acast. See acast.com/privacy for more information.

Joint accounts or separate? Split bills 50/50? Invest together or keep it separate?

Ask five couples how they manage money and you'll probably get five different answers.

After buying her first home with her partner, Jess put the question to the Get Started Investing community and quickly realised there were plenty of different approaches. So she sat down with financial adviser Glen Hare to hear what he sees working best for the couples he advises, and how they navigate everything from bank accounts and budgeting to shared goals, different money personalities (saver v spender) and building a financial life together.

Plus, producer Soph calls in from her honeymoon with a question many newlyweds face: should married couples combine their investments, or keep investing separately?

Chapters:

00:00:00 How Should Couples Manage Money?

00:03:00 Separate Or Combine Your Finances?

00:07:30 When Separate Money Stops Working

00:12:53 Getting On The Same Financial Page

00:15:15 When One Partner Hates Talking Money

00:19:14 Should Couples Invest Together?

00:23:30 The Tax Trap When Combining Investments

00:27:18 What If Your Risk Tolerances Differ?

00:31:22 The Money Conversation Every Couple Needs

If you want to get in touch with Glen Hare we can put you in touch here

You can follow Jess’s journey further with regular updates on Instagram at getstartedinvesting_

Links mentioned in this episode:

📩 Sign up to the Get Started Investing newsletter here

📩 Share your investing story with us submit here

🎟️ FinFest tickets - Buy early bird tickets here

Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.

———

Thanks to MLC for sponsoring this series and helping keep our content free.

If you’re the type of person who spends weekends comparing ETF’s, keeps an eye on crypto, and never misses an episode of Equity Mates, here’s one investment you may be overlooking – your super.

MLC knows it might not seem as exciting as picking your next investment, but thanks to tax advantages and decades of compound growth, it could end up being one of the hardest working investments you own. See how your super could be working harder with MLC at mlc.com.au

Disclaimer: Products issued by NULIS Nominees (Australia) Ltd as trustee of MLC Super Fund. General information only. Read the PDS & TMD available at mlc.com.au and consider if it’s right for you.

———

In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.

———

Get Started Investing is a product of Equity Mates Media.

This podcast is intended for education and entertainment purposes only. Any advice is general advice, and has not taken into account your personal financial circumstances. Before acting on general advice, you should consider if it is relevant to your needs. If you are unsure, please speak to a financial professional. The hosts of this podcast and their guests may have positions in the companies mentioned. Equity Mates Media is part of the Betashares group but maintains editorial independence.

Equity Mates Media operates under Australian Financial Services Licence 540697.

Hosted on Acast. See acast.com/privacy for more information.

Gav loves spending money. Watches, skincare, Apple products, travel - give him money and he’ll find something to spend it on.

So when he discovered investing, he did what came naturally….he started collecting ETFs.

At one point, he owned 27 of them.

So how did he go from trying almost every investing app and collecting ETFs “like Pokémon cards” to believing that less is more?

Gav joins Jess to unpack the mistakes he made as a new investor, how he’s simplified his approach and the system that lets him invest consistently (while still leaving plenty of room to spend.)

Plus, they get into Gav’s decision to invest in geared ETFs and why he’s comfortable with the extra risk.

For more regular updates from Jess’ investing journey, follow along on instagram at getstartedinvesting_

Chapters:

00:00:00 From Big Spender To Disciplined Investor

00:03:30 How Gav Caught The Investing Bug

00:06:19 Collecting ETFs Like Pokemon Cards

00:09:38 How 27 ETFs Became A Real Strategy

00:12:30 Why Less Is More With Investing

00:15:00 Building Wealth Through Consistency

00:18:00 How To Ignore The Investing Noise

00:19:51 Investing To Give Yourself Options

Links mentioned in this episode:

📩 Sign up to the Get Started Investing newsletter here

📩 Share your investing story with us submit here

🎟️ FinFest tickets - Buy early bird tickets here

Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.

———

Thanks to Shopback for sponsoring this series.

Want to get paid for shopping online? 💸 ShopBack gives you real Cashback on purchases you're already making, which you can then transfer into your bank account (or brokerage app!).

Download the app here and use code GETSTARTED20 to get a $20 cashback bonus once you've earned your first $10!

———

Get Started Investing is a product of Equity Mates Media.

This podcast is intended for education and entertainment purposes only. Any advice is general advice, and has not taken into account your personal financial circumstances. Before acting on general advice, you should consider if it is relevant to your needs. If you are unsure, please speak to a financial professional. The hosts of this podcast and their guests may have positions in the companies mentioned. Equity Mates Media is part of the Betashares group but maintains editorial independence.

Equity Mates Media operates under Australian Financial Services Licence 540697.

Hosted on Acast. See acast.com/privacy for more information.

Australia or the world - where should you be investing?

Jess has both Australian and global ETFs in her portfolio, but lately she’s been seeing more investors question whether Australian shares are worth holding at all…..especially when global markets have been performing so well.

And she’s not the only one wondering. Community member Anand recently shifted his portfolio primarily into a global ETF and wants to know: what are the strongest reasons to still invest in Australia?

Is going all-global a reasonable strategy? Does holding Australian shares actually make you more diversified? And are we overlooking Australia just because it hasn’t performed as well recently?

Ren joins Jess to answer Anand’s question and help her decide whether the Australian ETF in her own portfolio still deserves its place.

Also, you can now follow Jess’s journey & learnings more closely with regular updates on Instagram at getstartedinvesting_

Chapters:

00:00:00 Should You Go All In On Global ETFs?

00:02:00 Why Australian Shares Are Falling Behind

00:04:00 The Strongest Case For Going Global

00:07:43 Why Australia Still Deserves A Place

00:10:13 You Can't Predict The Next Winner

00:12:03 Why Index Investing Beats Stock Picking

00:13:21 The Real Benefit Of Franking Credits

00:14:27 Does Home Bias Actually Make Sense?

00:16:20 What True Diversification Really Means

Links mentioned in this episode:

📩 Sign up to the Get Started Investing newsletter here

📩 Share your investing story with us submit here

🎟️ FinFest tickets - Buy early bird tickets here

Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.

———

Thanks to MLC for sponsoring this series and helping keep our content free.

If you’re the type of person who spends weekends comparing ETF’s, keeps an eye on crypto, and never misses an episode of Equity Mates, here’s one investment you may be overlooking – your super.

MLC knows it might not seem as exciting as picking your next investment, but thanks to tax advantages and decades of compound growth, it could end up being one of the hardest working investments you own. See how your super could be working harder with MLC at mlc.com.au

Disclaimer: Products issued by NULIS Nominees (Australia) Ltd as trustee of MLC Super Fund. General information only. Read the PDS & TMD available at mlc.com.au and consider if it’s right for you.

———

In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.

———

Get Started Investing is a product of Equity Mates Media.

This podcast is intended for education and entertainment purposes only. Any advice is general advice, and has not taken into account your personal financial circumstances. Before acting on general advice, you should consider if it is relevant to your needs. If you are unsure, please speak to a financial professional. The hosts of this podcast and their guests may have positions in the companies mentioned. Equity Mates Media is part of the Betashares group but maintains editorial independence.

Equity Mates Media operates under Australian Financial Services Licence 540697.

Hosted on Acast. See acast.com/privacy for more information.

What would make you finally take control of your money?

For 29-year-old marketer Ally, it was watching her mum navigate life after divorce. Seeing someone she loved suddenly have to learn how to manage money from scratch made Ally realise she never wanted to be in that position herself.

So she taught herself.

Through podcasts, books and hours of research, Ally built the confidence to start investing, buy her first home and prepare financially for her first baby - all without a background in finance.

In this episode, Ally joins Jess to share how she overcame analysis paralysis, built an investment portfolio from scratch and the lessons she's learnt as her investing journey has evolved alongside life's biggest milestones.

This is 'How I Got Started' a series on Get Started Investing. Every Thursday Jess sits down with a community member to hear the highs and lows of their journey to investing. These are real stories that we hope will give you confidence that investing is for anyone.

P.S. In this episode, Jess and Ally discuss the question many homeowners face: Should you keep investing or focus on paying down your mortgage?

After recording this conversation, Jess sat down with a financial adviser to unpack the pros and cons of both approaches. If you're asking yourself the same question, you can listen to that episode here.

For more regular updates from Jess’ investing journey, follow along on instagram at getstartedinvesting_

Chapters:

00:00:00 Building A Simple Life And Strong Finances

00:05:05 The Family Experience That Changed Everything

00:09:19 Learning To Invest One Step At A Time

00:13:12 From Spare Cash To A Real Portfolio

00:18:49 Why She Paused Investing To Buy A Home

00:22:52 Saving For A Baby Without Losing Momentum

00:25:36 How They Manage Money As A Couple

00:28:53 The Biggest Lesson For New Investors

00:30:08 Investing For Freedom, Not Luxury

Links mentioned in this episode:

📩 Sign up to the Get Started Investing newsletter here

📩 Share your investing story with us submit here

🎟️ FinFest tickets - Buy early bird tickets here

Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.

———

In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.

———

Get Started Investing is a product of Equity Mates Media.

This podcast is intended for education and entertainment purposes only. Any advice is general advice, and has not taken into account your personal financial circumstances. Before acting on general advice, you should consider if it is relevant to your needs. If you are unsure, please speak to a financial professional. The hosts of this podcast and their guests may have positions in the companies mentioned. Equity Mates Media is part of the Betashares group but maintains editorial independence.

Equity Mates Media operates under Australian Financial Services Licence 540697.

Hosted on Acast. See acast.com/privacy for more information.