Big Swinging Stocks

Earnings season is here and the results are dominating the headlines. But does it matter?  The answer is: maybe.  We tapped the mind of Mathew Hodge, Morningstar's director of equities research, gives insight into what noise we should pay attention to, and why he "generally doesn't care about earnings season." Follow Selfwealth on Instagram here:https://www.instagram.com/selfwealthaus/ Follow Selfwealth on TikTok for video snippets of the podcast:https://www.tiktok.com/@selfwealthaus?lang=en    Important disclaimer: SelfWealth Ltd ABN 52 154 324 428 (“Selfwealth”) (AFSL 421789). The information contained on this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser and/or accountant. Taxation, legal and other matters referred to in this podcast are of a general nature only and should not be relied upon in place of appropriate professional advice. You should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.  See omnystudio.com/listener for privacy information.

"You Make a living by what you earn. You make a life by what you give" Aleks and Glen had a lively chat about Glen's portfolio, his investing (and giving) philosophy, and regretting being too poor and young to capitalise on the GFC. Plus, they get into meaty topics like: Buying weekly Financial advice not being about math and numbers Investing in unlisted companies Making a heap of money in crypto and then selling The 'regrets' fund Giving some, saving some, and spending some Why he doesn't care about his net worth   Buy Glen's book here:https://www.booktopia.com.au/sort-your-money-out-glen-james/book/9780730396505.html  Follow Selfwealth on Instagram here:https://www.instagram.com/selfwealthaus/ Follow Selfwealth on TikTok for video snippets of the podcast:https://www.tiktok.com/@selfwealthaus?lang=en    Important disclaimer: SelfWealth Ltd ABN 52 154 324 428 (“Selfwealth”) (AFSL 421789). The information contained on this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser and/or accountant. Taxation, legal and other matters referred to in this podcast are of a general nature only and should not be relied upon in place of appropriate professional advice. You should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.See omnystudio.com/listener for privacy information.

Betashares recently released a report noting that Australia's ETF industry has broken through the $150 billion FUM barrier… so is now a good time to invest? Blair Modica from Betashares joins us to dive into: Why Australians are so invested in ETFs Which ETFs are most popular How preferences have changed over the last five years Betashares' top performing product Read Betashares' Australian ETF review here:https://www.betashares.com.au/insights/etf-review-may-2023/  Follow Selfwealth on Instagram here:https://www.instagram.com/selfwealthaus/ Follow Selfwealth on TikTok for video snippets of the podcast:https://www.tiktok.com/@selfwealthaus?lang=en    Important disclaimer: SelfWealth Ltd ABN 52 154 324 428 (“Selfwealth”) (AFSL 421789). The information contained on this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser and/or accountant. Taxation, legal and other matters referred to in this podcast are of a general nature only and should not be relied upon in place of appropriate professional advice. You should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.See omnystudio.com/listener for privacy information.

Revenue is down 21.7%, net income down 596%, net profit margin down 734%… so why is their stock up 32.3%?? That's the Barbie effect. In this episode we're diving into Mattel (NASDAQ: MAT) stocks, and the marketing behind the recent stock surges. It's worked for Mattel, but what companies hasn't it worked for? Rob Marfell and Aleks Nikolic dive into past examples of marketing the stock market and the science behind it, to deduce whether this rally will be sustained. Follow Selfwealth on Instagram here:https://www.instagram.com/selfwealthaus/ Follow Selfwealth on TikTok for video snippets of the podcast:https://www.tiktok.com/@selfwealthaus?lang=en    Important disclaimer: SelfWealth Ltd ABN 52 154 324 428 (“Selfwealth”) (AFSL 421789). The information contained on this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser and/or accountant. Taxation, legal and other matters referred to in this podcast are of a general nature only and should not be relied upon in place of appropriate professional advice. You should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.See omnystudio.com/listener for privacy information.

Money can buy happiness — at least if you're spending it correctly. That's a view Kate Campbell from the Australian Finance Podcast explores in her upcoming book: Buying Happiness: Learn to invest your time and money better. In this episode Aleks and Kate talk about: Money talks with significant others What singing taught Kate about risk How childhood impacts our finances Reframing finance habits and mini-retirements. Buying Happiness will be out in September, but you can pre-order from Amazon here: https://www.amazon.com.au/Buying-Happiness-Learn-invest-better/dp/1922611816/ and Booktopia here: https://www.booktopia.com.au/buying-happiness-kate-campbell/book/9781922611819.html   Follow Selfwealth on Instagram here:https://www.instagram.com/selfwealthaus/ Follow Selfwealth on TikTok for video snippets of the podcast:https://www.tiktok.com/@selfwealthaus?lang=en    Important disclaimer: SelfWealth Ltd ABN 52 154 324 428 (“Selfwealth”) (AFSL 421789). The information contained on this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser and/or accountant. Taxation, legal and other matters referred to in this podcast are of a general nature only and should not be relied upon in place of appropriate professional advice. You should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.See omnystudio.com/listener for privacy information.

BlackRock and Vanguard have more funds under management than most countries make in annual GDP. They're the biggest shareholders in Apple, Tesla, Microsoft, and nearly every other major company or hedge fund you've ever heard of, so it makes sense that some people claim they control the world… until it doesn't. In this episode, Rob and Aleks debunk the BlackRock conspiracy theory, while shedding light on one 'conspiracy' that's actually true — at least in part.    Follow Selfwealth on Instagram here:https://www.instagram.com/selfwealthaus/ Follow Selfwealth on TikTok for video snippets of the podcast:https://www.tiktok.com/@selfwealthaus?lang=en    Important disclaimer: SelfWealth Ltd ABN 52 154 324 428 (“Selfwealth”) (AFSL 421789). The information contained on this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser and/or accountant. Taxation, legal and other matters referred to in this podcast are of a general nature only and should not be relied upon in place of appropriate professional advice. You should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.See omnystudio.com/listener for privacy information.

Selfwealth offers 12-page stock reports produced by Refinitiv.  These reports dive into forecasting, previous performance, and peer reviews. They even give you insight into whether analysts think the stock is a buy or a sell.  But how do you actually read them? In this episode Rob from Selfwealth peppers Alex with questions on how to interpret the ratings, and why BHP and CBA aren't both listed as a buy regardless of similar metrics.   Follow Selfwealth on Instagram here:https://www.instagram.com/selfwealthaus/ Follow Selfwealth on TikTok for video snippets of the podcast:https://www.tiktok.com/@selfwealthaus?lang=en    Important disclaimer: Selfwealth Ltd ABN 52 154 324 428 (“Selfwealth”) (AFSL 421789). The information contained on this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser and/or accountant. Taxation, legal and other matters referred to in this podcast are of a general nature only and should not be relied upon in place of appropriate professional advice. You should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.See omnystudio.com/listener for privacy information.

As far as AFL players go, Chris Judd is about as decorated as the Sistine Chapel. Brownlow medalist, Grand Final winner, Leigh Matthews MVP, voted Best Captain by his peers. What many don't know, through is that he's also been investing since early in his career, and is on the verge of launching his own investment fund. In this episode, he joins us to talk about his investment philosophies, including: Investing his first pay cheque His views the art of selling What his fund's asset allocation will be Whether he thinks we're going into a bear or bull market What research aided his investment education   Follow Selfwealth on Instagram here:https://www.instagram.com/selfwealthaus/ Follow Selfwealth on TikTok for video snippets of the podcast:https://www.tiktok.com/@selfwealthaus?lang=en    Important disclaimer: Selfwealth Ltd ABN 52 154 324 428 (“Selfwealth”) (AFSL 421789). The information contained on this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser and/or accountant. Taxation, legal and other matters referred to in this podcast are of a general nature only and should not be relied upon in place of appropriate professional advice. You should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.See omnystudio.com/listener for privacy information.

Would you prefer a 'green' portfolio or a green world? In the the last of our two-part series on decarbonisation's investment opportunities we examine the difference. Last time we set the scene for the problem and context, and in this episode we're talking about the investment.  Kate covers her history talking with companies about the investment opportunity, and how long it's taken some of them to come around. She also provides insight into some big names that we might not think usually associate with a green future, and the big roles they're likely to play in saving the planet.    Follow Selfwealth on Instagram here:https://www.instagram.com/selfwealthaus/ Follow Selfwealth on TikTok for video snippets of the podcast:https://www.tiktok.com/@selfwealthaus?lang=en    Important disclaimer: Selfwealth Ltd ABN 52 154 324 428 (“Selfwealth”) (AFSL 421789). The information contained on this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser and/or accountant. Taxation, legal and other matters referred to in this podcast are of a general nature only and should not be relied upon in place of appropriate professional advice. You should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.See omnystudio.com/listener for privacy information.

Welcome to our first two-part episode! When we cut the mic after our last chat with ex-Fidelity portfolio manager Kate Howitt, we learnt of her passion for decarbonisation — and the huge investment opportunity it presents.  Her insights were too good to leave off-air so we've got her back to talk all about it.  In this episode, we'll set the scene with the decarbonisation problem with a little context around things that individuals and companies are able to do.  Then next week we'll be back expanding on how investors can profit off what will be the biggest thematic of our lifetime, and why mining might save the world.   Follow Selfwealth on Instagram here:https://www.instagram.com/selfwealthaus/ Follow Selfwealth on TikTok for video snippets of the podcast:https://www.tiktok.com/@selfwealthaus?lang=en    Important disclaimer: Selfwealth Ltd ABN 52 154 324 428 (“Selfwealth”) (AFSL 421789). The information contained on this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser and/or accountant. Taxation, legal and other matters referred to in this podcast are of a general nature only and should not be relied upon in place of appropriate professional advice. You should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.See omnystudio.com/listener for privacy information.

How many of you really know how shorting and leveraging works?  In a recent episode Rob and Aleks covered Selfwealth's millionaire millennials and their penchant for leveraging products — particularly Global X's LNAS and SNAS.  So, on this chat, we brought in Global X portfolio manager Jess Leung to explain what exactly the funds are, and how best to use them.  In chat, her and Aleks cover: Leveraging Gearing Hedging The 'dark magic' in financial products Magnifying gains AND losses   Follow Selfwealth on Instagram here:https://www.instagram.com/selfwealth.com.au/?hl=en Follow Selfwealth on TikTok for video snippets of the podcast:https://www.tiktok.com/@selfwealthaus?lang=en    Important disclaimer: Selfwealth Ltd ABN 52 154 324 428 (“Selfwealth”) (AFSL 421789). The information contained on this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser and/or accountant. Taxation, legal and other matters referred to on this website / in this session are of a general nature only and should not be relied upon in place of appropriate professional advice. You should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.See omnystudio.com/listener for privacy information.

"I'm not someone who was just always great with money… I feel like I'm on this treadmill and I'm getting nowhere. What's going on??" Frances Cook is an esteemed journalist, hot of the Cooking the Books podcast author of two books: Your Money, Your Future, and Tales from a Financial Hot Mess. In this episode, Aleks talks to Frances about: Being a lazy pursuer of financial independence, and he lazy tips and tricks Her portfolio split: what she's invested in and what's returned the most Why she doesn't prioritise income in her investments Her avoidance of crypto The "London/baby fork" Money being the number one cause of divorce Her best finance and investing book recommendations Follow Selfwealth on Instagram here:https://www.instagram.com/selfwealth.com.au/?hl=en Follow Selfwealth on TikTok for video snippets of the podcast:https://www.tiktok.com/@selfwealthaus?lang=en  Follow Frances on Twitter here:https://twitter.com/FrancesCook    Important disclaimer: Selfwealth Ltd ABN 52 154 324 428 (“Selfwealth”) (AFSL 421789). The information contained on this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser and/or accountant. Taxation, legal and other matters referred to on this website / in this session are of a general nature only and should not be relied upon in place of appropriate professional advice. You should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.See omnystudio.com/listener for privacy information.

If you're an aspiring millionaire you've likely wondered how those seven-digit portfolios are investing.  What equities are they buying? Are they heavy on ETFs? What stocks do they have that you haven't heard of? Selfwealth has gone through the data and looked out how our millionaire portfolios are investing, and what the differences are by generation… and we found some big changes.  In this episode, Aleks is joined by the Alfred to her Batman — Selfwealth's Rob Marfell — to pick over the numbers and explain the risks involved.  They cover: Baby Boomers and the carbon copy of ASX 200 weightings, plus big earner they've invested big amounts in Why Gen X are the tech generation The high-risk ETFs that Millennial millionaires are invested in, and why Baby Boomers might be beating them Gen Z millionaires — what little of them there are and what they're doing.  Follow Selfwealth on Instagram here:https://www.instagram.com/selfwealth.com.au/?hl=en Follow Selfwealth on TikTok for video snippets of the podcast:https://www.tiktok.com/@selfwealthaus?lang=en    Important disclaimer: Selfwealth Ltd ABN 52 154 324 428 (“Selfwealth”) (AFSL 421789). The information contained on this podcast is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser and/or accountant. Taxation, legal and other matters referred to on this website / in this session are of a general nature only and should not be relied upon in place of appropriate professional advice. You should obtain the relevant Product Disclosure Statement for any product mentioned and consider its contents before making any decision.See omnystudio.com/listener for privacy information.

#1 Amazon Best Seller #1 Booktopia Bestseller Michael Kemp's new book sold out on day one… before lunch. Titled The Ulysses Contract: How to Never Worry about the Share Market Again, the book is topping best-selling lists, and is lauded by Barefoot Investor Scott Pape as something that will "totally change the way you think about the share market". In today's chat he joins Aleks to talk about the book, his investments, before both get swept up in a merry polemic on the state of Australia's property market.  Key points covered include: Michael's memories investing his paper-run money HIs origins in dental care leading to finance How he came upon the title of the book and what it means Investing siren calls Michael's portfolio, and why he sold his Berkshire Class A shares Investing during uncertainty How the beneficiaries of Australia's property boom can help families today Buy The Ulysses Contract here:https://www.booktopia.com.au/the-ulysses-contract-michael-kemp/book/9781922611604.html  Follow Selfwealth on Instagram here:https://www.instagram.com/selfwealth.com.au/?hl=en Follow Selfwealth on TikTok for video snippets of the podcast:https://www.tiktok.com/@selfwealthaus?lang=en    Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice. Always consult the product disclosure statement before investing.See omnystudio.com/listener for privacy information.

Queenie is worth somewhere around $500k… and she's 26.  So how did she do it?  Well, if you follow her (and given her 300k+ followers it's likely you do) then you'll know she's put in the hard yards in both learning about investing and in teaching others.  Queenie has built an empire of what she calls personal finance content creation, and is one of the very few licensed individuals providing high-quality information in a space that sorely needs it.  In this episode, she chats candidly to Aleks about "the pervy numbers". What her portfolio is made up of  Queenie's net worth Investing in crypto  Having money invested instead of in a bank account Queenie's most recent investments What about investing has brought her the most joy Queenie's relationship with frugality and spending  How close Queenie is to financial freedom Follow Selfwealth on Instagram here:https://www.instagram.com/selfwealth.com.au/?hl=en Follow Selfwealth on TikTok for video snippets of the podcast:https://www.tiktok.com/@selfwealthaus?lang=en  Learn more about Queenie via her website here:https://www.investwithqueenie.com/  Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.See omnystudio.com/listener for privacy information.

We always talk about people making their first $100k, but how about losing it? In this episode, Aleks gets personal and covers all the investing and financial mistakes she reckons have put her portfolio back at least 100 big ones.  From investing in AfterPay (she'll explain) or ignoring speakers at school assembly, these are mistakes that we think everyone can learn from — and a reminder to not be too hard on yourself if you've made them.  Follow Selfwealth on Instagram here:https://www.instagram.com/selfwealth.com.au/?hl=en Follow Selfwealth on TikTok for video snippets of the podcast:https://www.tiktok.com/@selfwealthaus?lang=en    Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.  See omnystudio.com/listener for privacy information.

"The dirty little secret of my career — that I can let out of the bag now that I'm retired — is that investing for me was just fun and interesting. I just love businesses. And I felt like, 'wow I can't believe they actually pay me to do this'".  Kate Howitt is an esteemed ex-Fidelity portfolio manager, and, even though she would have worked for free, that didn't stop her from making big profits.  Her fund beat the S&P ASX 200 Accumulation Index for 10 years, returning and average of 11.6% annually.  In this chat we cover: Investing lessons learnt from her prestigious career Investing books that influenced her Her best and worst investments, and why one is bouldering Housing in Atlanta Being comfortable with getting it wrong and treating finances like a cricket worm   Follow Kate on LinkedIn here: https://www.linkedin.com/in/kate-howitt-42a202169?originalSubdomain=au  Learn about Kate's bouldering venture here:https://www.9degrees.com.au/  Follow Selfwealth on Instagram here:https://www.instagram.com/selfwealth.com.au/?hl=en Follow Selfwealth on TikTok for video snippets of the podcast:https://www.tiktok.com/@selfwealthaus?lang=en    Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.  See omnystudio.com/listener for privacy information.

"It can range from one week getting $700, but on average it's $100 to $200 per week. And all tax free." Something we want to do with our 'Invest Like A' series is show you how ordinary Australians use investing to reach extraordinary goals.  Keon Little is one such person. He's an ex-army, current aviation industry side-hustling king. He's translated military discipline to his back pocket to live within what he calls living in his "yellow-zone" — where you're living within your means just on the comfort line, but able to reward yourself.  If you're into side-hustles, this one's for you.    For video of our interviews, follow Selfwealth on TikTok here: https://www.tiktok.com/@selfwealthaus?lang=en  And on Instagram here: https://www.instagram.com/selfwealth.com.au/?hl=en    Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.See omnystudio.com/listener for privacy information.

"We can be a part of a system where we can earn money for basically doing nothing. You can be an owner in some of the best companies in the world, just from clicking a few buttons. That's a pretty amazing concept"  Ever wanted to invest like a professional? We've tapped Senior Investment Analyst at one of the country's top firms to walk you through it… … and a little voyeurism into how he spends his money.  In this episode, Aleks is joined by Morningstar's Noah Kaplan to cover:  Why you can't trust banks for optimal returns Examples of companies with wide MOATs How his personal investment philosophy is informed by his professional one What's he's invested in, and how he constructs his portfolio, And what he'd do differently if he could start all over again. Follow Noah on LinkedIn here: https://www.linkedin.com/in/noah-kaplan-10/  Follow Selfwealth on Instagram here:https://www.instagram.com/selfwealth.com.au/?hl=en Follow Selfwealth on TikTok for video snippets of the podcast:https://www.tiktok.com/@selfwealthaus?lang=en    Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.  See omnystudio.com/listener for privacy information.

If you've heard of Up bank, you'll be familiar with its bright styling and ease of use. It's about the least bank-like bank on the market, and loved by younger generations for stepping savings out of the dark ages.  One of the bright minds behind the Up platform is Anson Parker, the company's Chief Product Officer, and in this ep, he tells us all about his (intentionally boring) investment habits, and details his relationship to money.  In today's chat he and Aleks cover: His less than healthy history with money, and current relationship His first investments Which investments have returned the most What he'd do differently if he could start over Healthy savings habits You can follow Anson Parker on Twitter here: https://twitter.com/anson?lang=en  For video of this interview follow Selfwealth on TikTok here: https://www.tiktok.com/@selfwealthaus?lang=en  And on Instagram here: https://www.instagram.com/selfwealth.com.au/?hl=en      Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.See omnystudio.com/listener for privacy information.

Calling all lawyers: consider this episode your cue to invest smarter. Harrison Dell, better known as @harrydelltaxtok on TikTok, is a rare type of tax lawyer in that he's averse to being risk averse — something he credits his being a 30yro director of a law firm to. He's made a name for himself demystifying taxes across investing, equities, and crypto, but in today's podcast he talks about his own finances. Today, he and Aleks cover: Harrison's false start with investing Harrison's net worth What he's invested in His financial freedom goals What contributed the most to his personal growth. You can follow Harrison Dell here:https://www.tiktok.com/@harrydelltaxtok?lang=en  Contact Cadena legal here:https://www.cadenalegal.com.au/ For videos of this episode, you follow Selfwealth on TikTok here:https://www.tiktok.com/@selfwealthaus?lang=en And on Instagram here:https://www.instagram.com/selfwealth.com.au/?hl=en  Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.See omnystudio.com/listener for privacy information.

Gaurav Sodhi is Intelligent Investor's Deputy Head of Research — and also one of the best investing writers out there.  He specialises in the energy sector and is packed with insights into how it, and especially coal, features in a cyclical economy.  In this chat he covers: Falling into investing by accident, and why investing is like no other profession Energy stock winners Energy stock losers Research tips How he bought one of last year's best performing stocks for $1 The clean energy transition Why coal miners could be "the new banks". Read more from Gaurav Sodhi here: https://www.intelligentinvestor.com.au/author/gaurav-sodhi/47  Read Intelligent investor here: https://www.intelligentinvestor.com.au/  For video snippets of this podcast, follow Selfwealth on TikTok:https://www.tiktok.com/@selfwealthaus?lang=en  And on Instagram: https://www.instagram.com/selfwealth.com.au/?hl=en    Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.See omnystudio.com/listener for privacy information.

"Growth of what? Email Addresses? Unsustainable cash burn??" Aleks has finally won. After asking since day dot, the stars aligned and we managed to get the big boss — Selfwealth CEO, Cath Whitaker — on the pod! Cath joins to explain the recent screes of Selfwealth Investor data our team has been crunching in the background.  Which state is more likely to invest?  Which generation is buying the most stocks? Which gender is buying more? What the hell happened to tech stocks? Which ASX sector did Selfwealth investors buy into, and which companies had the highest returns? How are young Australian investors behaving? We answer all the above and more as Aleks and Cath pore over demographic and sector data, explaining trends and musing on 2023 outcomes. Follow Aleks on Instagram Follow Cath on LinkedInSee omnystudio.com/listener for privacy information.

The top five most bought and sold stocks on Selfwealth in 2022 were resources and mining. Companies like Lake Resources, Core Lithium, BHP, Pilbara Minerals, and Fortescue metals all had bumper years.  So what happened?  For all the juicy details, we've brought back our first ever podcast guest: Kanish Chugh from Global X.  Global X runs some of Australia's favourite materials-based funds. We're talking the lithium and EV slanted ASX:ACDC and the oldest physically backed gold ETF, ASX:GOLD.  And as their Head of Distribution, there's no one better than Kanish to run us through the year that was, and what he's expecting for 2023. In this episode, Kanish and Aleks chat: Investing for the future, including carbon credits, clean uranium, and green metal mining What happened with the big miners in 2022 What investors can learn about M&A activity Predictions for 2023 Follow Kanish on LinkedIn here: https://www.linkedin.com/in/kanish-chugh-16126623/  Learn more about Global X ETFs here: https://www.globalxetfs.com.au/  Follow Aleks on Instagram here: https://www.instagram.com/brokegirlwealth/  Follow Selfwealth on Instagram here: https://www.instagram.com/selfwealth.com.au/ See omnystudio.com/listener for privacy information.

This is the first in our ASX sub-sector wrap, where we dive into the cohorts that comprise Australia's stock market and look at what drove their dips and swings.  To teach us about retail, we tapped Morningstar's Director of Equities Research, Johannes Faul.  In this episode, Aleks and Johannes talk about: How much sales events like Black Friday and Boxing Day swings the sector 2022's big retail stories What type of investor would take larger retail positions in their portfolios What is unique about Australia's retail sector Headwinds and tailwinds for 2023 Follow Johannes on LinkedIn: https://www.linkedin.com/in/johannes-faul-24597a7b/ Follow Selfwealth on Instagram: https://www.instagram.com/selfwealth.com.au/?hl=en  Follow Selfwealth on Twitter: https://twitter.com/_selfwealth      Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.See omnystudio.com/listener for privacy information.

"I wouldn't touch an ETF with a barge pole!" Excuse me… what?  Peter Thornhill is the founder of Motivated Money and is one of Australia's biggest investing legends. He retired in his early 50s with $400k in annual dividends, and did so in a manner entirely opposite to how the rest of Australia invests.  Peter believes that investing is about being the custodian of capital, earning income from it, and passing it on to the next generation. He's a huge proponent of investing in LICs, and has a very strong argument for why we should we should ditch what he calls "the led in the saddle" and only invest in industrials.  Oh, and he also isn't into investing in property. In this episode, Aleks and Peter chat about: Why he doesn't go for the highest yield, and why yield is an arbitrary number How he retired on $400k in dividends Which sectors he believes don't perform His argument against property investment, and his strategy for recycling property debt into the stock market How we can optimise out tax Why he only writes when he has something to say You can read about what exactly it is that Peter has to say in his My Say column. You can also follow Aleks on Instagram.   Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.See omnystudio.com/listener for privacy information.

"I remember when I was clawing my way out of the negative net worth hole thinking about how easy life would be on the other side of $100K." Aleks has come a long way in growing her net worth — she's clicked over 100k and gunning at 150. But it's slow going.  In this episode Aleks provides and honest check-in on how her investments are growing (or more to the point: not growing). If you've found it hard to keep calm and DCA, this one's for you.   Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.See omnystudio.com/listener for privacy information.

We often speak about the importance of educating the next generation about investing and finance, but we haven't spoken to anyone moving the needle in the space… until now.  Clever Women Co are a finance and lifestyle education business that reaches millions on TikTok. As they say on the pod: "Clever is not about those over-repeated statistics, we're not telling women that we're a minority, it doesn't come from that angle of disadvantage but rather we take a positive angle, showing women the paths and stories for success from women who have come before them." This wide-ranging chat covers: Success in their first ever investment The part Woolies plays in Clever Women Co's origin story Finding your tribe Whether wealth generation is easier for them or their mothers Putting the Melanie Perkins of the world beside the girls next door Lessons learned from Samsung going from "fish to phones" Books and resources discussed include: Rich Dad Poor Dad Deep Work Start with Why You can follow Clever Women Co on Tik Tok and Instagram and TikTok.See omnystudio.com/listener for privacy information.

"The study of behavioural finance is the thing I loved the most." Evan Lucas is the Head of Strategy at InvestSMART, and recent author of Mind over Money — a book that dissects how our internal dialogues and 'rationality' affects our relationship to our finances. As he says: "Am I irrational with money? Absolutely!" In this chat, Aleks and Lucas go in depth on: Investing memories What money means to Evan Tips to amateur and professional investors Behavioural economics Hofstede's paradigms and how culture affects business Investing as 'gambling' How emotion plays a part in investments that skyrocketed during COVID like AMC, Gamestop and Crypto. You can follow Evan on Twitter, and LinkedIn. Mind Over Money is Available from now here. Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this web site is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.    See omnystudio.com/listener for privacy information.

Data suggests that 80% of small-cap companies fail… but what about the 30cent shares that turned into Apple? Phil Muscatello, recommended we get small-cap maestro, Claude Walker on the pod - so we made it happen. Claude makes his living trading on the other side of the market, finding companies with big potential that others might have missed. In this chat, we talk to him about, How he does it His three rules His thoughts on Pro Medicus (ASX: PME) and Altium (ASX: ALU) Why you shouldn't get tips from Reddit Hyped stocks And some leads on doing your own research You can follow Claude through A Rich Life on Twitter, and read his writings through the A Rich Life website. Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.See omnystudio.com/listener for privacy information.

"Just listen to the words." Phil Muscatello is known for his Shares for Beginners podcast, and the investing education empire he's built around it. He's a gun interviewer but we've put him on the other side of the table, chucking him in the hot seat to answer questions on his own investing mistakes and learnings — and there are many.  This conversations links psychology to politics to investment theory. Some finer points are below: Changing your mind about capitalism Raising the middle class Aleks and Phil's investing mistakes Phil's favourite investing quotes and theories Whether investors are waiting for the dip LICs and their dividends You can follow Phil on LinkedIn, and Twitter, and listen to all of his six (!) podcasts through his website. The ASA code Phil mentions is: shares22. The code is valid through to the end of 2022 and will provide a year's free membership. Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this web site is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.See omnystudio.com/listener for privacy information.

"My mum tried to do a budget with me and I cried." Molly Benjamin used to be horrible with money. She had a high-paying bank job in London's Canary Wharf and was living pay check to pay check. She remembers seeing male friends ready to invest in property and female friends struggling to pay rent, and had the epiphany: financial education is crucial to survival. The fastest growing demographic of homelessness people in Australia is women over the age of 55. A stat attributed, in part, to the garbage financial education of yesteryear women were taught.   In this episode Aleks speaks to Molly about: Why things can't be 'male, pale, and stale' Molly's new course for investing Crying while budgeting Molly's investment history Dating men who didn't diversify Molly's turning point Representation and role models You can learn more about Ladies Finance Club and their education through their website. You can view the Ladies Finance Club courses here. You can follow Ladies Finance Club on Instagram, Facebook, and LinkedIn.See omnystudio.com/listener for privacy information.

More financial literacy means more women in finance, which means more Cathie Woods and a much more interesting investing space. Bianca Hartge-Hazelman is doing a lot to expedite that future. An ex journalist, Bianca's love of data led her to create Financy and track women's financial progress through the Financy Women's Index (FWX).  As Aleks puts it, "the data drives inertia," and the FWX is an important tool in Australia's financial landscape that tells us how long it will be until things are fair. In this chat, Aleks speaks to Bianca about: How she learned about investing by not investing How COVID and unpaid work helps equality How far we are away from corporate equality Whether things are even getting better What it will take to get us to equality See more about Financy by clicking this link. Follow Bianca on: Facebook, Twitter, LinkedIn, and Instagram. You can download the full Financy Women's Index report here.   Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this website is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.See omnystudio.com/listener for privacy information.

Sometimes a chance encounter with an investing-savvy builder in a Nissan Skyline GTR can make all the difference… We're back with another episode of $0 - $100k, and this time we're doing something a little different. Deviating from stock market investing, we're talking to brothers in a family owned real estate business, Linkers Group, who made their wealth the hard way in Sydney real estate.  Mish and Rubayet's inspirational story spans Property gains in low socio-economic environments and undesirable suburbs Having to camp on land-lots to secure sales Insecurity driving bad investments Succeeding in a culture that values scholastics despite underachieving in school Wading through the world of FinTok and a rapid-fire Q&A.   Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this web site is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.See omnystudio.com/listener for privacy information.

What's the difference between your investments being managed actively or passively? If you don't know, it might be because most finance comms suck at teaching you.  Jodi Pettersen from eInvest is bucking that trend through @eInvestau, reaching a new demographic with social media quizzes, videos, and a decidedly less 'blokey' tone because stocks aren't all Wolf of Wall Street.  In this episode, Aleks chats to Jodi about: Why Jodi's investing memories are tied to schoolies Fashion inspiring her investment education How E-Invest's IMPQ fund is getting returns while maintaining ethics ESG… E. And what the second E means. What Jodi is invested in personally Small Cap Investing Resources mentioned in this episode are: The Economist Podcasts Shares for Beginners Podcast The Impact Investing Podcast You can also read more about eInvest's IMPQ fund here   Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this web site is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.See omnystudio.com/listener for privacy information.

“Money isn't made easily, and it shouldn't be for free.” Magellan's Nikki Thomas is a legend in the Australian investment scene. She was a one of the Magellan's early hires and, after a small sabbatical, is now its Global Portfolio Manager.  In this episode, she talks to Aleks about: Investing memories with nanna and candy on the farm, Why it's important that every investor knows (at least a little) about evaluating, Trajectory of growth versus inflation, Magellan being human asset intensive, How Magellan identifies a global theme,  and the magic behind Magellan's 9% annual return over 15 years.     Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this web site is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.    See omnystudio.com/listener for privacy information.

Have you ever thought about how you want to retire? Because you should — especially if you're a woman.  The superannuation gender retirement gap means that women retire with a fraction of their male counterparts, and Craig and Trenna from Super Fierce want to change that.  Just like Big Swinging Stocks, Super Fierce exists to address the latent issues from finance's boys' club. Craig and Trenna are using their expertise from years of working at Macquarie (Trenna as Head of Strategy and Craig as Chief Investment Officer and Head of Innovation) to create a superannuation fund that makes wealth accessible to women through lower fees and a community centred on closing the gap. In this episode Aleks talks to them about: Their $100 million milestone Why women are disenfranchised from super How to determine if you're in a 'good fund' Why they left Macquarie Their best advice for their 20yro selves.  Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this web site is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.See omnystudio.com/listener for privacy information.

Aleks is introducing a new segment to Big Swinging Stocks — Controversy Corner.  The special is one of her favourites from Broke Girl Wealth. She reaches out to followers for input on a salacious topic, and reports on it. This time, we've brought Selfwealth's community into the mix as well.  In this episode, we do some digging into the data to report on an age-old source of ageist bickering: which generation has it easiest? Are the kids these days just too damn lazy??  In our quest to assess, we look into the following: Debt to income ratios The cost of living Fleetwood Mac Variable interest rates Mortgages Non-pension funded retirement And stats on which generation is the most productive   Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this web site is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.See omnystudio.com/listener for privacy information.

This episode, we're doing things a little differently with a personal story. Aleks is baring all, sharing the ups and downs of her journey from deep in debt to a net wealth of $180k. This journey isn't meant to be easy. And anyone staring at the sea of red in their portfolios will attest that right now it's harder than ever. Aleks' story isn't a perfect one. She's made some questionable choices with credit cards and over indexed instead of paying bills. But every mistake is a teachable moment. And in this episode she's sharing her learnings so that you might not make the same mistakes — or at least be a little easier on yourself.     Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this web site is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.See omnystudio.com/listener for privacy information.

Podception! Owen Rask and Kate Campbell from The Australian Investors Podcast and The Australian Finance Podcast join Aleks to talk about what on earth is happening with the markets right now.  We decided to get this esteemed investing pod duo on because it's time to talk to the big dogs. Kate and Owen have been talking investing to the masses for years now, and they've got nuggets of wisdom we can all learn from.  Aleks talks to them about: Their investing memories in drones and banking Investing behaviour and why beating 'alpha' isn't necessary Bear markets and recessions in the context of now versus the past Alternative investment types we should all be mindful of Plus we harass them with our first true/false quick-fire round and spring hairy questions on them Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this web site is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.See omnystudio.com/listener for privacy information.

Nicole Haddow is a twice-published author passionate about teaching the average Aussie about the property market, and ethical investments.  In this podcast, Aleks and her talk about how Nicole is living Aleks' cottage-core dream life, the guilt of ethical investing, and greenwashing.  They also cover: Nicole's past as a 'spender' Aligning investments with values, and the tension between ethics and financial realities AGL's de-merger attempt and company restructuring Whether we can meet climate change goals through investing activism You can follow Nicole Haddow on Instagram here, buy her book The Ethical Investor, here, and buy her book Smashed Avocado here.      Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this web site is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.See omnystudio.com/listener for privacy information.

What does a manager on one of Selfwealth's most popular ethical funds have to say about ditching Elon? Tesla made headlines recently for being booted from the S&P 500 ESG index, but BetaShares' ETHI dropped him off their index years ago. Why? Because the G, often deemed as the less sexy part of the acronym, holds just as much weight as its peers. To go behind what it means to run an ethical fund, we spoke to Jess Leung. She educates the masses through Instagram (@theleungway) but she's also a manager on ETHI — a top 10 ETF held by Selfwealth members. We covered: Jess' first investing memory Why ETHI is true to label, and what that even means What positive and negative screening is How BetaShares screens for E, S, and G. Why people don't think the G is as sexy Why BetaShares dropped Tesla years ago Funds that perform during times of high inflation A day in the life of an ethical fund manager Diversity and the importance of female representation in finance See omnystudio.com/listener for privacy information.

"It’s only when the tide’s going out that you can see who’s been swimming naked." In this episode, Aleks goes straight to the source, talking to Justin Walsh from Morningstar — don dadas of investment research — about what the hell we're meant to do when our portfolios are swimming in a "sea of red". We cover: The tech stock downturn, and how it's interwoven with the price of oil Will the market level out when inflation does Value and growth stocks Whether you start buying when there's "blood in the streets" Diversification — as a risk The long-term value in ESG, and its change from tobacco stocks to today Why you need to read the PDS (product disclosure statement) Thoughts on investors experiencing decline for the first time Selfwealth Ltd ACN 52 154 324 428 (“Selfwealth”) (Australian Financial Services Licence Number 421789). The information contained on this web site is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice. See omnystudio.com/listener for privacy information.

Are there tax advantages to investing in ETFs? Why is Vanguard pro blockchain, but not crypto? What's the (not so) secret sauce behind Vanguard's immense market share?? In this chat, Aleks chats to Balaji Gopal, the leader of Vanguard's retail division about all of the above, including how he got his start in the industry.  Other talking points include: Vanguard's cut-through with differing generations, and why Vanguard account for over 60% of millennial ETF holdings on the Selfwealth platform ETF mechanics and tax drag What a company as big as Vanguard has to consider when rebalancing    SelfWealth Ltd ACN 52 154 324 428 (“SelfWealth”) (Australian Financial Services Licence Number 421789). The information contained on this web site is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.See omnystudio.com/listener for privacy information.

And, are they a good investment decision? ETF Securities (ETFS) are on the verge of releasing what may be Australia's first direct-exposure crypto ETF… but they've hit a few snags along the way. In this podcast, Aleks chats to Kanish Chugh, ETF Securities' Head of Distribution, to get the scoop on what's happening with the ETF launch, and hear ETFS' thoughts on thematics funds. In this episode you'll hear: Why you should care about a crypto ETF How ETFS are dealing with risks and regulations Why all ETF fund managers are 'lazy' The big deal about thematic ETFs, from one of Australia's largest thematic providers SelfWealth Ltd ACN 52 154 324 428 (“SelfWealth”) (Australian Financial Services Licence Number 421789). The information contained on this web site is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser. Taxation, legal and other matters referred to on this website are of a general nature only and should not be relied upon in place of appropriate professional advice.See omnystudio.com/listener for privacy information.