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In this episode of What's the Risk we're joined by the CEO of Dimensional Australia Bhanu Singh. This is our second episode with Bhanu as we learn more about the "the biggest fund manager you've never heard of".In this episode we take a look at the intricacies of the active vs passive debate, and find out Bhanu's definition of passive. Bhanu also explains how the flexibility of Dimensional's approach allows them to trust the market, but also not be tied to the rigidity of index tracking rules which can lead to higher trading costs, overweighting some stocks, or having a long delay before a stock is included in an index, potentially costing investors returns.Dimensional have a deep research pedigree. Their founders and board members were part of some of the biggest developments in modern finance. David Booth and Rex Sinquefield were part of various groups who developed the first index funds at Wells Fargo and American National Bank, before leaving to start DFA where they then started Dimensional to build the first microcap fund for institutions.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ https://www.mfg.com.au Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

In this episode of What's the Risk we're joined by the CEO of Dimensional Australia Bhanu Singh. Bhanu will be our guest over the next few episodes as we find out a little bit more about "the biggest fund manager you've never heard of".Bhanu has an MBA in analytical finance from the University of Chicago, Booth School of Business. He was Head of Asia-Pacific Portfolio Management for Dimensional. Director of Dimensional Australia, as well as Senior Investment Director. With that in mind, he is probably the best person in Australia to talk to about systematic investing. In this episode we discuss Dimensional's history and in particular its ongoing commitment to implementing the best research when building and managing portfolios.Dimensional have a deep research pedigree. Their founders and board members were part of some of the biggest developments in modern finance. David Booth and Rex Sinquefield were part of various groups who developed the first index funds at Wells Fargo and American National Bank, before leaving to start DFA where they then started Dimensional to build the first microcap fund for institutions.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ https://www.mfg.com.au Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

In this episode of "What's the Risk?" we take a look at rebalancing a portfolio. The various ways it can be done, how we do it at Mancell Financial Group, then we run a portfolio comparison of an annually rebalanced portfolio against a portfolio with the same starting construction, but never rebalancing it.This experiment is ran across a 30 year period, using 50% global stocks, 40% Australian stocks and 10% in global bonds. One of the benefits of doing this over a long time frame is we can see the drift in the assets in the never rebalanced portfolio due to the changing performance, and how it overall performs against one that essentially resets on a 12 month basis.How do you rebalance your portfolio? Let us know in the comments. Do you have the discipline to rebalance according to your pre-determined rules, or do you go with the flow?Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ https://www.mfg.com.au Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

Watch this episode on youtube: https://youtu.be/zbuajnYk-bEIn this episode of "What's the Risk?" we take a look at the historic performance of a diversified high growth portfolio. In this instance, it's the current target asset allocation of Vanguard's VDHG ETF, we also look back at the various changes in the target asset allocation of Vanguard's diversified high growth managed fund that was released in 2002.All in one products can be great options for many investors who are getting started, or just want to autopilot their investment journey. They can have some drawbacks, but in this instance we're just looking at the asset allocation, historic asset allocation, and the historic performance. Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ https://www.mfg.com.au Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

Watch this episode on youtube: https://youtu.be/IqU3IVBMoGwThe recent failures of investment schemes First Guardian, Shield Master Fund and Australian Fiduciaries has exposed thousands of investors around Australia to something they should never have to experience in modern investing: a catastrophic and substantial investment loss of their retirement savings.In our 45 years in business we've never had an investor exposed to an investment failure, and there have been plenty occur in Australia over that time frame. However, we have had many investors walk into our office over the years, seeking advice and guidance after they've been exposed to investment loss by someone they should have been able to trust, or just via their own hand. In that respect, we have an understanding of the turmoil investors are currently going through. Unfortunately, while we're able to point people what direction to follow next, we're unable to turn back time, and it's prevention that stops these losses happening. Usually, it's by not exiting large and well known superannuation options, for untested, newer funds, that cannot guarantee what their spruikers promise.When it comes to superannuation, we all need to remember these our retirement savings, and financial loss is something that is incredibly hard to recover from in mid and late life. While we want to make the most of them, and are regularly pushed to take action by the media, if we don't know anything, leaving them alone to grow at a market rate in a large, well known fund will inevitably be better than switching to an untested option that may expose us to catastrophic loss.If you'd like to learn more about investing, Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ https://www.mfg.com.auMancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/lAyMIF-590MPublished July 2025. For the average person, retirement can take a lot of planning and in some cases time to adapt. For high achievers, those who've run successful businesses, or had incredibly demanding careers, the prospect of retirement may require even more planning and consideration. The level they operate at during work can be a big step down to a more subdued lifestyle where the phone doesn't ring as much and there aren't as many demands.In this episode we discuss some of the considerations high achievers must sift through as they approach a transition out of work. Peter has been helping people retire for 45 years, including a number of high achievers in medicine and business, and he makes purpose a focus of retirement planning, to ensure clients do continue to thrive as they age. Peter also relays his own experience of setting a goal to retire early, only to reach his intended retirement age and continue working.If you'd like to learn more about investing, Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ https://www.mfg.com.au Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/4pq9WMwZXTsPublished June 2025. In this episode of "What's the Risk?" we take a look at the historic performance of the S&P/ASX Small Ordinaries Index. Some people would know ETFs that seeks to track the performance of this index as Blackrock's ISO and State Street's SSO.Small companies have long been understood to outperform larger companies, due to higher risk, but in Australia his index has shown a consistent track record of underperformance against larger counterparts. We discuss why that might be and Peter highlights a conversation he had with Ken French that adds some further understanding. This is history and doesn't automatically mean the future performance will be as poor, so will you write off Australian small caps? Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ https://www.mfg.com.au Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. S&P/ASX Small Ordinaries Index (Total Return) April 2000 - Present: S&P/ASX Small Ordinaries Index (Total Return), Source: S&P June 1992 - March 2000: ASX Small Ordinaries Accumulation Index, Source: ASX January 1991 - May 1992: ASX Small Ordinaries Index (Pre-Restructure)January 1980 - December 1990: ASX Ex-50 Leaders Simulated Index, Source: John Nolan AssociatesReturns in AUD Copyright 2025 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/dnx1d6CGA_APublished June 2025. In this episode of "What's the Risk?" we take a look at the historic performance of the Solactive GBS Developed Markets ex Aus Large & Mid Cap Index. Some people would know an ETF that seeks to track the performance of this index as Betashare's BGBL ETF.This index is very similar to the MSCI World ex Australia Index which is tracked by Vanguard's VGS, and with returns being almost indistinguishable, it's then up to the investor to make a decision on where they want to get their global large to mid cap exposure from. Some investors will consider fees, others will base it on how robust they feel the manager is, but Peter also discusses whether that's really something that needs to be considered?Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ https://www.mfg.com.au Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Solactive GBS Developed Markets ex Aus Large and Mid Cap Index. June 2006 – December 2024: Solactive GBS Developed Markets ex Aus Large and Mid Cap NR Index. ©Solactive AG, 2025. All rights reserved. “Solactive”, “Solactive GBS”, “German Index Engineering” are registered trademarks of Solactive AG Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/iTxOV2dSvkAPublished June 2025. In this episode of "What's the Risk?" we take a look at the historic performance of the FTSE Australia High Dividend Yield Index. Some people would know an ETF that seeks to track the performance of this index as Vanguard's VHY ETF.Dividends and high yield stocks have always been a draw for some investors who may think they are getting something for free with dividends, but it's important to remember dividends are not free money, that cash comes from somewhere Share prices are influenced by expected future cash flows to shareholders. If cash goes out the door as a dividend, share price and market cap generally fall ex dividend.Dividends are also not as tax efficient as selling something post a CGT discount, however in Australia most of our largest companies are all large dividends payers, so it's interesting to take a look at a yield focused index vs a broader index such as the ASX 300, to see whether simply focusing on those companies has provided a better return?Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ https://www.mfg.com.au Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. FTSE Australia High Dividend Yield TR Index AUD 1/2011 - 12/2024. Copyright 2025 FTSE Russell® All rights reserved. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/POVqfaiQaj8Published May 2025. Retirement is a common goal. For many of us, we'd all like to hang up the boots or log off at some point. The focus usually turns to money as we progress towards retirement, but there is an overlooked issue that is equally important: finding purpose. People know what they are retiring from, but not really knowing what they are retiring to.Finding a purpose in retirement can be a struggle and may require as much planning as the money side of things to ensure we continue to live happy and healthy lives.Peter Mancell has been helping people retire for 45 years and he makes purpose a focus of retirement planning, to ensure clients do continue to thrive as they age. If you'd like to learn more about investing, Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/p54lPItZSuYPublished May 2025.Index funds are great investment tools to pursue your investment goals, especially if you can buy one that covers the global investment opportunity set, but that can be hard to do.We take a look some various quirks around index funds, that highlight the reality that no index is truly passive and we're all faced with making active choices as investors.It's important to remember that index providers don't have any interest in the needs of the end investor, it's the index manager who selects which index they will track and provide that tracking fund to the public, which is a commercial decision. This means investors are often presented with narrower options, that can tempt us to chase fads. And if an index fund doesn't take off, or something more exciting comes along, the index manager can change the index it tracks and leave investors making another choice about what to do with their money. None of this is to say that investors shouldn't use index funds, but that it's a good idea to find the broadest possible index available and remain disciplined pursuing your financial and investment goals.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ https://www.mfg.com.au Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://www.youtube.com/watch?v=uvFqe_CH5BUPublished March 2025. Market volatility isn't a new thing, it's the price of admission when investing. But every bout of volatility or even a correction may feel different, and incredibly important, but history has shown markets always price in new information and move on.As market volatility prompts reactions from investors, it's going to tell investors something about themselves. While investors should construct their portfolios and address their super allocation according to their goals and risk tolerance, often they pick something with the highest return number. They then get a shock when it also delivers them volatility they weren't expecting.We look at some issues around this. We highlight things investors should consider either now, or preferably before they build a portfolio, or change their superannuation to a very aggressive option, just because someone told them they should.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ https://www.mfg.com.au Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://www.youtube.com/watch?v=JL9LDHCTa4cPublished March 2025. In this episode of "What's the Risk?" we take a look at the historic performance of the MSCI World ex Australia Small Cap Quality 150 Index. Some people would know an ETF that seeks to track the performance of this index as VanEck's QSML ETF.We briefly look at how the index is constructed by MSCI, but you can refer back to our pervious video on MSCI World ex Australia Quality Index for a better discussion on quality.The index itself draws from MSCI World ex Australia Small Cap Index, so we compare the performance of the two indices since January 1999.If we take MSCI's screen for quality and size, there certainly appears to have been a premium attached to it over this time period.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ https://www.mfg.com.au Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. MSCI World ex Australia Small Cap Quality 150 Index (AUD) January 1999 – December 2024: Country Code AA. Total Returns Net Dividends in AUDSource: MSCI MSCI data © MSCI 2025, all rights reserved. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://www.youtube.com/watch?v=cMkt4febfWgPublished February 2025. In this episode of "What's the Risk?" we take a look at the historic performance of the MSCI World ex Australia Quality Index. Some people would know an ETF that seeks to track the performance of this index as VanEck's QUAL ETF.We look at the definition of quality by MSCI and Peter discusses how that compares to the profitability factor. The index itself draws from MSCI World ex Australia, so we compare the performance of the two indices since December 1994.If we take MSCI's screen for quality, there certainly appears to have been a premium attached to it over this time period.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ https://www.mfg.com.au Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. MSCI World ex Australia Quality NR Index AUD. December 1994 – December 2024: Country Code AA. Total Returns Net Dividends in AUDSource: MSCI MSCI data © MSCI 2025, all rights reserved Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/wrwlOlimcecPublished February 2025. In this episode of "What's the Risk?" we take a look at the historic performance of the Solactive Australia 200 Index, which some investors may know is tracked by Betashares A200 ETF. At the end of 2024, the index itself doesn't have a long history, just over 14 years, so while we look at its recent performance, which is similar to an S&P/ASX 200 tracker, we specifically look at the gap in performance between the 200 largest companies and the 300 largest companies in Australia. Larger companies tend to do better in Australia, which leaves question marks over the small cap effect, but Peter has some theories on the underperformance.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ https://www.mfg.com.au Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. October 2010 – December 2024: Solactive Australia 200 TR Index AUD. ©Solactive AG, 2025. All rights reserved. “Solactive”, “Solactive GBS”, “German Index Engineering” are registered trademarks of Solactive AG Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/J8wEM-RpxHcPublished January 2025. In this episode of "What's the Risk?" we take a look at the historic performance of the MSCI Russia Index as a lead into a discussion on what happens when an ETF is closed and doing due diligence on any ETFs an investor might use in their portfolio.ETF closure is a risk and it can happen for various reasons, in the example of Russia the index providers stopped tracking Russia after the invasion of Ukraine, but ETFs can be shut down and changed at the whim of the manager. We look at two cases at Vanguard and Blackrock which show it's not just small managers who will close or change ETFs without much warning. Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ https://www.mfg.com.au Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. MSCI Russia Index (net div.) January 1999 - Present: Total Returns Net Dividends in USD. Source: MSCI. MSCI data © MSCI 2025, all rights reserved. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/OLbPYJJbVXYPublished January 2025. In this episode of "What's the Risk?" we take a look at the performance of the S&P 500 across 2000-2009, which is often regarded as a lost decade due to the negative return the index delivered. In more recent times the performance of the S&P 500 has been amazing and it's had some investors believing that the S&P 500 is the only thing they need as their investment strategy. Is that good or bad? As we explain, diversification is probably a better strategy, but if they are planning to use one index as their strategy, they should be prepared to stick with it through thick and thin.We also look at the impact the Australian dollar had for Australian investors, along with how the returns would have played out with "real world" scenarios had an investor been dollar cost averaging or drawing from a portfolio in a retirement scenario. We also compare some other asset classes an investor could have used across the decade and seen a more positive return.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ https://www.mfg.com.au Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.S&P 500 Index 1/1926 - 12/2023. January 1990 - Present: S&P 500 Index. Total Returns in USD. Source: Standard & Poors Index Services Group. January 1926 - December 1989: S&P 500 Index Source: Ibbotson data courtesy of © Stocks, Bonds, Bills and Inflation Yearbook, Ibbotson Associates, Chicago (annually updated works by Roger C. Ibbotson and Rex A. Sinquefield). Copyright 2024 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/4WGxBDgr_9IPublished December 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the MSCI Japan Index (net div, JPY) which tracks the performance of the large and mid cap segments of the Japanese market. Japan's stockmarket performance over an extended period was extremely poor after a very strong period in the 1980's, and it's often used as an example as why people shouldn't index, but as we explain, it's really an argument for diversification. Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ https://www.mfg.com.au Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. MSCI Japan Index (net div., JPY) 1/1970 - 12/2023 January 1970 - Present: MSCI Japan Index (net div., JPY) Total Returns Net Dividends in JPYCountry Code FJ Source: MSCI MSCI data © MSCI 2024, all rights reserved. MSCI World ex Japan Index (Kokusai Index) (net div., JPY) 1/1970 - 12/2023 February 2004 - present: MSCI World ex Japan (Kokusai Index) (net div, JPY)Returns Net Dividends in JPY Currency Code: JPY MSCI data © MSCI 2024, all rights reserved. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://www.youtube.com/watch?v=zuQanuf95w8Published December 2024. In this episode of "What's the Risk?" we take a look at various constructions of MSCI World ex Australia Index and the S&P/ASX 300 Index (Total Return), 70/30, 60/40, 50/50, 40/60, 30/70.Some people would know the combination of the ETFs that seek to track the performance of these indices as the VAS/VGS split, so it gives a fuller picture of what those constructions would have done over the longer term.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. S&P/ASX 300 Index (Total Return) 1/1980 - 12/2023. April 2000 - Present: S&P/ASX 300 Index (Total Return), Source: S&P June 1992 - March 2000: ASX 300 Accumulation Index, Source: ASX January 1980 - May 1992: ASX All Ordinaries Accumulation Index, Source: ASX Returns in AUD Copyright 2024 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. MSCI World ex Australia Index (net div., AUD) 1/1975 - 12/2024. January 1975 - present: MSCI World ex Australia Index (net div.) Total Returns Net Dividends in AUD Source: MSCI. Country Code: AA MSCI data © MSCI 2024, all rights reserved. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/ZXQKdbd05FUPublished November 2024. People often ask "do I need a financial adviser?", but there's another question regularly overlooked: are they the type of person who should have a financial adviser? While financial advice can be beneficial for everyone, some people don't have the capacity to accept it, so understanding who you are is important. Some people don't want to relinquish control, they aren't always forthcoming with important information, they resent paying. These things will all become problems at some point in an advice relationship. We're joined by Tristan Dallas, a financial adviser at Mancell Financial Group to discuss who financial advice works for and who it doesn't work for. Before seeking out an adviser, it's important to consider what type of person you are, and ensure you're not entering into a relationship that won't work. Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/ZIcy40f08iIPublished November 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the CRSP US Total Market Index, which represents 100% of the investible US equity market. Investors may be familair with Vanguard's VTI or VTS ETFs which seek to track the return of the US total market, depending on whether they are using the Australian or US ETF.Investors often ask the question, or make the comparison between the S&P 500 and the US Total Market Index, and wonder which one they should choose. We look at the outcomes over various time frames, but overall note the correlation between the two is high. CRSP Deciles 1-10 Index (market) 1/1926 - 12/2023. Source: CRSP, total returns in USD$. Jul 1962 - Present : CRSP Deciles 1-10 Cap-Based (Market) Portfolio Rebal. Quarterly - All Exchanges CRSP Market Index-Weighted average of CRSP 1 through CRSP 10. Jan 1926 - Jun 1962: NYSE, Rebalanced Semi-Annually. CRSP data provided by the Center for Research in Security Prices, University of Chicago.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ https://www.mfg.com.auMancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/BWLOwNIEx0wPublished November 2024. A common misconception for investors is not being aware of price and total return, along with the difference between the two.In this video we compare two versions of the S&P/ASX 300 Index to see how wide the difference in returns can be. Vanguard's VAS attempts to track the total return version of the index.Not knowing there is a price and a total return index can lead to confusion over historic returns when an investor sees a chart, or a quoted price, and it's only factoring in the price change. Quite often the media, either aware or not, will use price returns, which will add to the misinformation, leaving investors believing returns have been lower than they are. The price vs total return issues extends beyond indexes to stock prices and ETFs. Google is a common place to search for an ETF or stock code and the charts returned by google only show the price changes.In an attempt to address this problem, Mark Hebner of ifa.com has launched a petition to persuade the media to change their ways and start reporting total returns as standard. Sign Mark's petition at http://www.ifa.com/petition.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ https://www.mfg.com.auMancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/tUtvExamIpUPublished October 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the Bloomberg AusBond Composite 0+ Yr Index. Investors who invest in Australian bonds or fixed interest may know Vanguard's VAF and Blackrock's IAF as ETFs that seek to track this index.Bonds aren't exactly popular with many retail investors, who gravitate to equities due to higher returns, and in recent years the performance of bonds hasn't changed the minds of many investors, but they can and do have a place in many portfolios. Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ https://www.mfg.com.auMancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253 Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/YThymY30GhgPublished October 2024. The popularity of Self managed super funds or SMSFs continues to grow in Australia, but for all the success stories there are those investors who aren't well informed and lured into an SMSF by promoters who end up destroying their retirement nest egg with high risk and untested schemes and investments like United Global Capital.We're joined by financial advisers Tristan Dallas and Georgia Eade, who've both recently seen two SMSF disasters where the investors may lose the majority of their retirement savings, via in one case their accountant, and in the other, by being cold called for a super "heath check".We also finish up by looking at justifiable cases for an SMSF because there certainly are some good options out there, but SMSFs are not for everyone.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/KqpwCSyzQKEPublished October 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the NASDAQ 100 Total Return Index since 1999.A popular index with investors via Invesco's QQQ and Betashares NDQ in Australia due to tech focus and strong returns in recent years, but going back a little further there was a significant peak to trough fall that many investors aren't aware of. It's important to consider the prior downside because this is a concentrated index and it was only a little over 2 decades ago. Some investors write off the potential for large declines because the worst ones occurred back in the 1930's.NASDAQ-100® Index (Total Return) USD XNDX & NASDAQ-100® Index Net Total Return (AUD) XNDXNNR © 2024. Nasdaq, Inc. All Rights Reserved.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/www.mfg.com.auMancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/knR9fCF3RcIPublished September 2024. ETFs are easy to get started with, but some investors choose to combine them based on the labels on the outside and not the assets in the inside.They may assume they are diversifying because they've added an extra ETF, but in some cases it does nothing to diversify their portfolio, increases its concentration in some stocks and increases the risk.We take a look at a combination of Vanguard's VGS, Blackrock's IVV, Betashares' NDQ and ETHI and see how adding additional ETFs adds holdings and how the composition of the 10 ten holdings in the portfolio changes.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ www.mfg.com.auMancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/DcTPjBovpygPublished September 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the FTSE Developed Core Infrastructure Index. An index comprising infrastructure assets in developed markets. Over the years there has been some discussion that infrastructure could be a fixed interest replacement, but we look at the data to see it performs more inline with developed market equities and not fixed interest.Some people would know Vanguard's VBLD as an ETF that attempts to track the return of this index before fees, expenses and tax.FTSE Developed Core Infrastructure Index (Total Return) Total Returns in AUD. Copyright 2024 FTSE Russell® All rights reserved.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ www.mfg.com.auMancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/gz54X9j9kDEPublished September 2024. Andrew McKimmie of Mancell Financial Group joins this episode of "What's the Risk" to discuss how he recently helped a client who was medically disabled and running out of the money she was living on after a disability payment. There was a risk she'd soon be unable to pay her mortgage.Her neighbour offered some free advice, firstly that she shouldn't see an adviser because it would cost money, and not to take money from superannuation because she'd pay tax.So what would she do and how could Andrew help?Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ www.mfg.com.auMancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/20BVAzSSEloPublished August 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the FTSE Emerging Markets All Cap China A Inclusion Index (net divs.) AUD. An index comprising emerging markets across large, medium and small companies. Some people would know Vanguard's VGE as an ETF that attempts to track the return of this index before fees, expenses and tax, which are an important consideration as investors may not achieve a return as close to the index as they'd like due to fees and taxes.FTSE EM All Cap China A Inclusion NR Index AUD/FTSE Emerging Markets All Cap China A Transition NR Index AUD (prior to Sep 2016). Copyright 2024 FTSE Russell® All rights reservedWant to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ www.mfg.com.auMancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/iBJtKNVkDg4Published August 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the MSCI World ex Australia Small Cap Index (net div., AUD), which is an index comprising international small companies. Some investors might be surprised to find the performance since inception has outpaced the large companies MSCI World ex Australia, since 1999, so we pose some questions on recency bias.Some people would know Vanguard's VISM as an ETF that attempts to track the return of the MSCI World ex Australia Small Cap Index (net div., AUD) before fees, expenses and tax.MSCI World ex Australia Small Cap Index (net div.) January 2001 - Present: MSCI World ex Australia Small Cap Index (net div.) Country Code AATotal Returns Net Dividends in AUD. Source: MSCI. MSCI data © MSCI 2024, all rights reserved.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ www.mfg.com.auMancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/zkSZZf4LcZUPublished August 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the S&P/ASX 300 A-REIT Index (Total Return), which is an index comprising Australian real estate investment trusts (A-REITs) with residential, office, retail, and industrial properties.Some people would know Vanguard's VAP as an ETF that attempts to track the return of the S&P/ASX 300 A-REIT Index before fees, expenses and tax.S&P/ASX 300 A-REIT Index. April 2000 - Present: S&P/ASX 300 A-REIT Index (Total Return), Source: S&P.June 1992 - March 2000: ASX 300 Listed Property Accumulation Index, Source: ASX January 1982 - May 1992: ASX All Ordinaries Listed Property Accum Index Returns in AUD Copyright 2024 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ www.mfg.com.auMancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/Zh15nkSw0GoPublished August 2024. In this episode of "What's the Risk?" we take a look at a common misconception that your financial adviser needs to be rich. It's a nice idea, but it's ultimately meaningless to your own wealth journey when they may be part of a team, and having someone younger who hasn't built a lot of wealth yet could be more beneficial to guide you in the decades to come.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ www.mfg.com.auMancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/WoRo4B0MiiEPublished July 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the Bloomberg Ausbond Bank Bill Index, which is often used as a proxy for cash returns in Australia.ETFs that track similar short term bank bill indices are Betashares CASH and Blackrock's BILL, while the State Street Australian Cash Trust is a managed fund that tracks the index before expenses.Bloomberg AusBond Bank Bill Index 1/1977 - 12/2023. April 2014 - Present: Bloomberg AusBond Bank Bill Index. October 1989 - March 2014: UBS Warburg 90 Day Bank Bill Index (then UBS Bank Bill Index) April 1987 - September 1989: Warburg Dillion Read 90 Day Bank Bill Index. January 1977 - March 1987: 90 Day Bank Bill Yields. Data provided by Bloomberg Finance L.P.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ www.mfg.com.auMancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/LL5yBQMUVngPublished July 2024.In this episode of "What's the Risk?" we take a look at the historic performance of the S&P 500 Index going back to 1926.Some people would know the ETFs that seek to track the performance of this index as Blackrock's IVV, Vanguard's VOO and State Street's SPY. It's a popular index with many investors around the world, but not everyone has long term picture of the data, and what goes into that double digit return over nearly 100 years.S&P 500 Index 1/1926 - 12/2023. January 1990 - Present: S&P 500 Index. Total Returns in USD. Source: Standard & Poors Index Services Group. January 1926 - December 1989: S&P 500 Index Source: Ibbotson data courtesy of © Stocks, Bonds, Bills and Inflation Yearbook, Ibbotson Associates, Chicago (annually updated works by Roger C. Ibbotson and Rex A. Sinquefield). Copyright 2024 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ www.mfg.com.auMancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

Watch full video on youtube: https://youtu.be/XfKeFanBbhYPublished July 2024. In this episode of "What's the Risk?" we take a look at hedging via the historic performance of the MSCI World ex Australia Index (net div., Hedged to AUD) and we combined it in a 50/50 split with the unhedged version of the index.Some people would know the combination of the ETFs that seek to track the performance of these indices as the VGAD and VAS, so it's an interesting look back to see the effect currency can have on investment returns.We go back to the inception of the portfolio in 1988 to look at the ups and downs along the way. If you're looking for long term investment strategies using these indices may be of value to you.MSCI World ex Australia Index (net div., hedged to AUD)January 1988 – 12/2023: MSCI World ex Australia Index (Hedged to AUD, net div.) Total Return, Net Dividends Hedged to AUD Country Code AA. Source: MSCI. MSCI data © MSCI 2024, all rights reserved.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ www.mfg.com.auMancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/LteA_4NDBYUPublished July 2024. In this episode of "What's the Risk?" we look at a question from a concerned family member. A son-in-law has taken a look at his mother-in-law's portfolio and is shocked by the fees she's paying.His mother-in-law isn't bothered, his wife doesn't care as long as the portfolio continues to cover her mother's needs, but the son-in-law has itchy fingers and thinks he could cut the fees and help out.While this is a noble idea, it also presents several risks, but none of them financial. We look at the impact of fees on the portfolio, and then look at the potential issues if the son-in-law tries to take over.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ www.mfg.com.auMancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

Watch episode on youtube: https://youtu.be/4CUPOFwJ1IcFirst published June 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the MSCI World ex Australia Index (net div., AUD) combined with the S&P/ASX 300 Index (Total Return).Some people would know the combination of the ETFs that seeks to track the performance of these indices as the VAS/VGS split, so it's an interesting look back through the 80's, 90's and 2000's before Vanguard's ETF's were in existence.So we go back to the inception of the portfolio in 1980 to look at the ups and downs along the way. If you're looking for long term investment strategies using these indices may be of value to you.S&P/ASX 300 Index (Total Return) 1/1980 - 12/2023. April 2000 - Present: S&P/ASX 300 Index (Total Return), Source: S&P June 1992 - March 2000: ASX 300 Accumulation Index, Source: ASX January 1980 - May 1992: ASX All Ordinaries Accumulation Index, Source: ASX Returns in AUD Copyright 2024 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved.MSCI World ex Australia Index (net div., AUD) 1/1975 - 12/2024. January 1975 - present: MSCI World ex Australia Index (net div.) Total Returns Net Dividends in AUD Source: MSCI. Country Code: AA MSCI data © MSCI 2024, all rights reserved.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ www.mfg.com.auMancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

MSCI World ex Australia Index Performance | What's the Risk? 02View this episode on youtube: https://youtu.be/Oq56sC1b87YPublished June 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the MSCI World ex Australia Index (net div., AUD). Some people would know the ETF that seeks to track the performance of this index as Vanguard's VGS ETF, so we go back to the inception of the index in 1975 to look at the ups and downs along the way. If you're looking for long term investment strategies using the MSCI World ex Australia Index might be of value to you.MSCI World ex Australia Index (net div., AUD) 1/1975 - 12/2024. January 1975 - present: MSCI World ex Australia Index (net div.) Total Returns Net Dividends in AUD Source: MSCI. Country Code: AA MSCI data © MSCI 2024, all rights reserved. Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ www.mfg.com.auMancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

View this episode on youtube: https://youtu.be/e5F8eI88Biw June 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the S&P/ASX 300 (Total Return) Index. Some people would know the ETF that seeks to track the performance of this index as Vanguard's VAS, so we go back to the inception of the index in 1980 to look at the ups and downs along the way. If you're looking for long term investment strategies using the ASX 300 might be of value to you.S&P/ASX 300 Index (Total Return) 1/1980 - 12/2023. April 2000 - Present: S&P/ASX 300 Index (Total Return), Source: S&P June 1992 - March 2000: ASX 300 Accumulation Index, Source: ASX January 1980 - May 1992: ASX All Ordinaries Accumulation Index, Source: ASX Returns in AUD Copyright 2024 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved.Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ www.mfg.com.auMancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. Hosted on Acast. See acast.com/privacy for more information.

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The financial industry has long been attempting to get to the bottom of what alpha is within financial advice. Someone pays a financial adviser X amount, does that person derive more in value from that advice than they pay out?Fund manager Vanguard has tried to quantify this value for years with an ongoing report called ‘Adviser Alpha'. Their most recent report had defined three areas of value. They say these three areas can combine to add 3% to someone's bottom line. Hosted on Acast. See acast.com/privacy for more information.

As one of Hollywood's most successful screenwriters, William Goldman won two Academy Awards and had over twenty of his screenplays made into movies. However, arguably his most famous line isn't from one of his movies. It was from a book he wrote on the movie business called Adventures in the Screen Trade, and it's an assessment of the business itself. Hosted on Acast. See acast.com/privacy for more information.

James Lipton was 93 when he passed away in 2020. Two years earlier he'd finished working on the thing he was best known for: Inside the Actors Studio. Remarkably, it didn't begin until he was 67. Hosted on Acast. See acast.com/privacy for more information.

When thinking about nostalgia, you'd be hard pressed to find a company that evokes nostalgia more than Disney. For almost 100 years Disney has been entertaining people around the world with family friendly entertainment that's linked generations. Maybe you've enjoyed their movies, had a favourite Disney character, owned any of their memorabilia, had the fortune to visit one of their theme parks as a child (or even as an adult), or just have an interest in their storied history. Many people feel a connection with Disney as it evokes warm memories for them.But lately Disney hasn't been a great investment. Hosted on Acast. See acast.com/privacy for more information.

For Baker Mayfield's advisers, the most important thing should have been protecting the money, accounting for the risks of his vocation, and it not being a distraction. They've failed him. Hosted on Acast. See acast.com/privacy for more information.

Grab a copy of Your Investment Philosophy at your local Amazon, or if you're in Australia at this Amazon link:https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters/dp/B0BCCYSN6L Hosted on Acast. See acast.com/privacy for more information.

Your Investment Philosophy: A Guide to Managing Wealth & Protecting it from Fraudsters, Marketers & Doom MerchantsWhat are your investment beliefs?It's a simple question, but one many investors can't answer.Are you one of those investors?Your Investment Philosophy will change that. Five simple principles help you cut through the media hype, folk tales, and industry marketing that have dominated the minds of investors for too long.You can approach investing with confidence, understand what's possible, be able to refute nonsense, and know the risks worth taking. There are no secrets, every investor just needs a rational set of beliefs that can guide them in the good times and the bad.Your Investment Philosophy offers this to every investor.Deliberately short, and easy to read, in as little as two hours this book will lift the fog and offer much needed clarity so you can enjoy a successful investment experience. Hosted on Acast. See acast.com/privacy for more information.

Andre and Serena didn't just get to be the best, they had to recognise shortcomings and weaknesses, and address them so they could reach their true potential. For investors it's no different, there's no perfection when investing so it's important to understand the difference between success and perfection. Hosted on Acast. See acast.com/privacy for more information.

Over the years the cynic has somewhat been romanticised as those who are realistic and clear-headed, instead of being seen as dark and pessimistic, but it's not really true. Hosted on Acast. See acast.com/privacy for more information.

At some point many investors will ponder the need for more exotic assets in their portfolio, but is this being dictated by logic or feelings? We all may want to feel special and sophisticated, but in truth, the rich are different. Hosted on Acast. See acast.com/privacy for more information.

The eternal investment question – “do I invest my money all at once or do I invest smaller amounts at predetermined intervals?” Otherwise known as lump sum investing vs. dollar cost averaging, or as our US colleague Jeff Troutner once termed it: wading vs. plunging.For full breakdown of portfolio constructions used, please visit here Hosted on Acast. See acast.com/privacy for more information.