What's the Risk?

People are limiting their movements. At most, venturing out during low trafficked hours to visit the supermarket. If someone isn’t getting out it’s worth being aware of how one might find an environment which contributes to better health and wellbeing.

Links

Social isolation during COVID-19 lockdown impairs cognitive function: https://onlinelibrary.wiley.com/doi/pdfdirect/10.1002/acp.3821

View through a Window May Influence Recovery from Surgery: https://www.researchgate.net/publication/17043718_View_Through_a_Window_May_Influence_Recovery_from_Surgery

Residential greenspace is associated with mental health via intertwined capacity-building and capacity-restoring pathways: https://www.sciencedirect.com/science/article/abs/pii/S0013935119305055

Neighborhood greenspace and health in a large urban center: https://www.nature.com/articles/srep11610

The benefits of nature experience: Improved affect and cognition: https://www.sciencedirect.com/science/article/abs/pii/S0169204615000286

Autonomic Nervous System Responses to Viewing Green and Built Settings: Differentiating Between Sympathetic and Parasympathetic Activity: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4690962/

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Quick success in cycling inevitably brings skepticism, the best way to overcome skepticism is a good story.

Lance Armstrong and Team Sky had great stories behind them, but when the evidence came out, well it was a very different story than the ones we'd been told.

Investors can learn a lot from these two stories.

Links

The Science of Lance Armstrong

Remarkable drugs report shatters Team Sky’s illusion of integrity

Inside Team Sky - David Walsh

House of Commons Digital, Culture, Media and Sport Committee Combatting doping in sport

Commentary: The simplest explanation for Froome’s salbutamol test

British Cycling and Team Sky kept Viagra for riders’ ‘nerve issues’

Freeman now claims he destroyed the testosterone gels in tribunal

Freeman says he destroyed laptop with screwdriver as tribunal resumes

DAVID WALSH: DAVE BRAILSFORD WAS DISHONEST WITH ME

Atomic Habits: British Cycling Update

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One of Australia's best known fund managers Hamish Douglass of Magellan is having a torrid time at the moment, it would be easy to pile on, but we're looking at it from a different angle.

Underperformance is an uncomfortable topic and switching managers raises many questions for financial advisers and their clients.

Links

S&P Index vs Active

The Cost of Parental Bereavement & Mutual Fund Managers

Limited Attention, Marital Events & Hedge Funds

Day of reckoning for Magellan’s Hamish Douglass

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Why does someone need personal insurance?

Daniel is joined by Peter Mancell, founder of Mancell Financial Group and Peter has advised clients on insurance for 41 years. Coincidentally, this podcast coincides with the first policy he ever wrote. If you want to get a better understanding of personal insurance, this is an important listen. 

The pair discuss:

• The types of insurance and how they are assessed when advising clients.
• Sourcing your insurance through an adviser vs a TV commercial.
• The benefits of making a claim through an adviser who can go into bat for you.
• The benefits of coverage in superannuation
• The process of making a claim.
• Lawyers charging large sums to make claims on behalf of clients.
• Some stories of claims Peter has seen over the years.
• When don't you need insurance?

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What is an AFSL? What is a financial advice dealer group? To offer advice on a financial product in Australia you require an AFSL. In the financial advice space, some advisers have their own AFSL, while the majority are authorised by a broader group who holds a license, often known as a financial advice dealer group. The dealer group provides various services the adviser would rather outsource and operates compliance oversight for the advisers licensed to the group.

Daniel is joined by Andrew Wootton, General Manager of FYG Planners, a financial advice dealer group with advisers across every state in Australia.

The pair discuss:

What an AFSL is along with its obligations.

The services a financial planning dealer group offers to advisers and the community.

How the banks damaged the financial advice industry.

How advice can become more affordable.

The professional indemnity insurance issues in Australia.

Security services FYG is developing to help protect clients.

What changes the regulators should make going forward.

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The most important thing about an investment philosophy is that you have one - David Booth

So what is an investment philosophy and why do you need one? Daniel is joined by Peter Mancell, the founder of Mancell Financial Group and Managing Director of AFSL FYG Planners, the pair discuss the importance of having an investment philosophy, the importance of your financial adviser having a clear investment philosophy and the importance of using an evidence based investment philosophy.

They discuss:

The importance of having an investment philosophy.

What Peter sees as the three different types of investment philosophies.

The ways advisory businesses would try to construct portfolios before switching to an evidence based philosophy.

Why an evidence based investment philosophy is important it is for business efficiency,

Why an evidence based investment philosophy is valuable for educating clients on what is and isn't possible.

And finally, David Booth's art collection!

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How do you protect yourself from a fraudulent financial adviser? Daniel is joined by Peter Mancell, the founder of Mancell Financial Group and Managing Director of AFSL FYG Planners, the pair discuss the recent Melissa Caddick situation in Sydney and go through several simple steps investors can take to better protect themselves from an investment 'professional' who is fraudulent or not acting in their best interest.

They discuss:

The importance of using the financial advisers register.

Understanding what’s possible from an investment perspective.

An adviser being able to discuss their investment philosophy and have them explain how past returns were generated.

Ensuring you're not duped by sales tactics.

The importance of your money being with a third-party custodian.

The virus like tentacles of financial loss and trauma across family units.

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Tristan and Daniel discuss the potential for the value premium to rear its head, the work from home dilemma, along with the potential to be taxed for working from home. They also touch on the new millennial SMSF by stake.

In the main part of the program, the pair discuss gifting adult children from a psychological perspective, along with financial abuse of the elderly and ways to combat it.

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Daniel is joined by Tristan Dallas of Mancell Financial Group to discuss 'the why' and where we are going with this podcast. The pair give a brief overview of real financial advice, at the 23 minute mark they are joined by the founder and managing director of Mancell Financial Group, Peter Mancell.

Peter has been at the forefront of driving financial advice standards in Australia. Mancell Financial Group were the second firm to become CEFEX certified fiduciaries in Australia and were a founding member of the Global Association of Independent Advisers.

Peter discusses various topics ranging from delegating your affairs to a financial adviser, the benefit of accepting that markets work and what high net worth investors should know when engaging a financial adviser.

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