Podcasts about afsl

In one of the more thoughtful moments from the year, Scott Phillips from The Motley Fool reflects on uncertainty, valuation, and why investing is less about being right and more about accepting what you can’t know For more or to watch on YouTube—check out http://linktr.ee/sharedlunch Shared Lunch is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it’s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions—including a Target Market Determination and IDPS Guide for Sharesies Australian customers—can be found on our relevant Australian or NZ website. Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance. Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own. The customers shown in this episode are Sharesies investors, and their stories are actual experiences they’ve had - their stories are not advice, or a recommendation or opinion to invest or to use Sharesies in the manner they have. They’re compensated for their time to record their story.See omnystudio.com/listener for privacy information.

Sometimes a spreadsheet isn’t going to cut it. Sometimes the only thing standing between you and an impulse purchase is a genuinely unhinged obstacle, like freezing your credit card in a bowl of water and letting time do the work. And because our first Unhinged Hacks episode became one of the most replayed of the year, Bec took that as a sign, went rogue, booked the studio, brought Jess along, and recorded round two with absolutely no supervision. TThis episode sounds ridiculous on purpose. But underneath the laughs is something genuinely smart. These are the money behaviours people actually use when discipline is gone, motivation is fried, and “just try harder” is not on the menu. It’s diabolical. It’s chaotic. And somehow… it works. Listen to part 1: I'm Bored. Give Me Your Most Unhinged Money Saving Hacks... Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289. See omnystudio.com/listener for privacy information.

If December has you replaying the year in your head, thinking about the money choices you made, the goals that shifted, or why things didn’t quite land the way you thought they would back in January, you’re not alone. A lot of us get to this point feeling tired, reflective, and a little unsure how to sum it all up. This episode is a chance to look at the year differently. Not through the lens of what you achieved or didn’t, but through the stuff you carried, adapted to, and figured out as you went. The money stress, the plans that changed, the moments you just kept going anyway. None of that was wasted, even if it didn’t feel impressive at the time. If you want to close out the year feeling a bit more grounded and a lot less hard on yourself, press play. Get Victoria's Full Goal Setting System in her Your Best Year Yet course here. Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

One of our most thought-provoking conversations this year. Kiwibank chief economist Jarrod Kerr on why New Zealand struggles to think long term — and how smarter investment could shape the next few decades. For more or to watch on YouTube—check out http://linktr.ee/sharedlunch Shared Lunch is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it’s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions—including a Target Market Determination and IDPS Guide for Sharesies Australian customers—can be found on our relevant Australian or NZ website. Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance. Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own. The customers shown in this episode are Sharesies investors, and their stories are actual experiences they’ve had - their stories are not advice, or a recommendation or opinion to invest or to use Sharesies in the manner they have. They’re compensated for their time to record their story.See omnystudio.com/listener for privacy information.

It's our biggest Friday Drinks of the year so we're throwing a party aka our year in review. The stats, the moments that surprised us, and the community wins that honestly deserve more airtime... and of course your favourite blooper reel. Plus we get into which is cheaper, building vs buying a home. Building can look cheaper, especially online, but the reality is a lot messier. We talk about where the costs sneak in, why timelines matter, and why this decision feels very different depending on where you live and what stage of life you’re in. And because it’s summer, we talk credit cards. Should you get one to get through the next few months? When does it help, and when does it just make things harder later? We walk through how to think about it without shame or scare tactics. Need the team’s take on your money dilemma? Send us a voicemail here.Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

While we’re on break, here’s one of our favourite moments from the year. Briscoes CEO Rod Duke on how choosing the right place to compete — and staying disciplined — turned a mixed retail business into a long-term success story. For more or to watch on YouTube—check out http://linktr.ee/sharedlunch Shared Lunch is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it’s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions—including a Target Market Determination and IDPS Guide for Sharesies Australian customers—can be found on our relevant Australian or NZ website. Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance. Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own. The customers shown in this episode are Sharesies investors, and their stories are actual experiences they’ve had - their stories are not advice, or a recommendation or opinion to invest or to use Sharesies in the manner they have. They’re compensated for their time to record their story.See omnystudio.com/listener for privacy information.

In this episode of the Mo Money podcast, we talk about how to nail it with your money in 2026. It's a great time of year, I think, to be planning and getting on the front foot with this stuff, and setting things up in a way where you can make some meaningful change to how your money is working and how it's actually working for you.  So, we talk through in this episode, the key things that you need to get right if you want to nail it with your money in the year ahead, particularly with the lens of what's going on in investment markets and property markets today, the three key shifts that you can make that will seriously level up your results, and then a couple of mistakes to look out for, or how to manage your downside protection when it comes to your money. This episode is perfect for anyone that wants to get better results from their money in 2026.   Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links:  Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking  Upcoming events: www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697  Ben's books: www.pivotwealth.com.au/books  More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney  YouTube: https://www.youtube.com/c/BenNashPivot  Facebook: https://www.facebook.com/pivotwealth/  Book a chat: calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth     Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

This is the one conversation you need to hear before the year ends, because the way you think about money right now will shape how 2026 feels far more than any goal you set in January. So instead of rules or end-of-year pressure, Victoria and Bec share the five things they genuinely wish every person in this community would focus on before heading into 2026. These are the five big things that actually shape how money feels day to day, how confident you are making decisions, and how much energy you waste worrying about things that don’t even matter.In this ep:

De fleste kender Ønskeskyen. Platformen, der lover færre fejlkøb og ingen dobbeltgaver under juletræet. Og makkerparret bag Ønskeskyen, Mads Emil Fast Dahlerup og Casper Ravn-Sørensen, er da også blevet stenrige på platformen.Men de to ejere er ikke meget for at fortælle om deres fælles fortid i kviklånsbranchen.Nu kan Jyllands-Posten ikke desto mindre på baggrund af centrale dokumenter fra makkerparrets kviklånskonglomerat, Finans 247, fortælle, at tusindvis af lån ifølge eksperter er opkrævet ulovlige. Eksperterne peger på, at man har opkrævet penge hos kunderne, der aldrig skulle have været betalt. Gæst: Ronja Pilgaard, journalist på Jyllands-Posten, og Nicolai Bøttkjær, privatøkonomisk analytikerVært: Jacob GrosenTilrettelæggelse og produktion: Mathias BondeGrafik: Thorgerd Broni Der er lånt klip fra sponsoreret indhold på Instagram og TikTokSee omnystudio.com/listener for privacy information.

This is one of those Money Diaries that starts with a decision that feels sensible at the time… and slowly reveals just how much weight it carries. When her partner suggested using her inheritance to buy property together, it felt like the right next step. The grown up one. The kind you make when you’re building a future with someone. Then the relationship ended, and that decision didn’t disappear with it. In this episode, she walks us through what happens next. The parts of property ownership no one explains when you’re in love. The confidence knock that comes from being told you’re “bad with money.” And the reality of having to step up financially before you feel ready. She also shares the systems she built to make money feel manageable again, especially with a brain that doesn’t love numbers, and the lessons she wishes she’d known before saying yes. This one is full of the stuff you don’t realise you need to know until you really, really do. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

As we head into the holidays, we’re taking a moment to look back on a year of big milestones at Sharesies. 2025 has been all about bringing our customers more freedom and flexibility and new ways to grow your wealth. In this special end-of-year episode, we’re featuring epic wealth stories from Sharesies customers, plus our co-CEOs, Sonya, Leighton, and Brooke with their 2025 highlights and what’s coming in 2026. For more or to watch on YouTube—check out http://linktr.ee/sharedlunch Shared Lunch is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it’s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions—including a Target Market Determination and IDPS Guide for Sharesies Australian customers—can be found on our relevant Australian or NZ website. Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance. Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own. The customers shown in this episode are Sharesies investors, and their stories are actual experiences they’ve had - their stories are not advice, or a recommendation or opinion to invest or to use Sharesies in the manner they have. They’re compensated for their time to record their story.See omnystudio.com/listener for privacy information.

Kristina Clifton and Samara Hammoud discuss the outlook for the US dollar, the implications for the Australian dollar and the broader outlook for Australian dollar cross rates.  Disclaimer: Important Information   This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”).  Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au.   No Reliance  This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes.  This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast.   The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  Liability Disclaimer  The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.   Usage of Artificial Intelligence  To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence.   

In the final podcast of the year, CBA economists Belinda Allen, Ashwin Clarke and Harry Ottley outline why an RBA rate hike in February is likely. They also preview what lies ahead for the Australian economy in 2026.    Disclaimer:   Important Information This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au. No Reliance This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes. This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made. Liability Disclaimer The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast. Usage of Artificial Intelligence To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence.  

Steve and Laura reflect on the final trading session of 2025, which saw the Aussie market push higher to cap off a third consecutive year of gains. While the final week of trade was relatively subdued, a boost from the Technology and Financial sectors helped the benchmark index finish the year up nearly 6%. Reflecting on 2025, it was a massive year for the Materials sector, which surged 28% behind record-breaking runs in gold and silver, contrasting with a difficult period for Healthcare. Individual standouts included DroneShield, which finished as the year’s top performer, while HMC Capital and Bapcor were among those facing significant headwinds. Looking ahead, quarterly inflation data, central bank pivots from the RBA and the Fed, and the February reporting season all shape the outlook for the start of 2026. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

Ever stared at the bill split amount and thought… sorry, why am I paying for food I did not eat? We’re unpacking a takeaway dilemma where one person orders like it’s their last supper and everyone else is expected to split it evenly. What do you actually do in that moment? Do you say something, suck it up, or quietly build resentment? We talk through the options, the social risk, and how to handle it differently next time without blowing up the friendship. Then things get uncomfortably real with a Christmas DM that hits a nerve. When your family’s love language is business class flights, investment wins, and expensive gifts, and you chose passion, values, and a very different definition of success. We get into how to respond to the comments, protect your self worth, and decide when it’s worth engaging and when it’s not. Need the team’s take on your money dilemma? Send us a voicemail here.Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

A subdued and underwhelming session for the Aussie market, with stocks hovering around flat levels late in the day as energy names did most of the damage. Steve and Laura unpack weakness in Woodside after CEO Meg O’Neill announced her departure to take the top job at BP, mixed moves across the banks with CBA providing some support, and sharp falls among uranium stocks following a shock update from Boss Energy. There were brighter spots, including Bapcor jumping on a CEO change and Austal lifting after securing a $1 billion defence contract. Looking ahead, key US inflation data and several major central bank decisions are due in the next 24 hours. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

US stocks climbed while Treasury yields eased after inflation came in lower than expected. Micron surged on an upbeat outlook as the AI boom fuels demand for memory chips, while activist investor Elliott is reportedly building a $1 billion stake in Lululemon. In central bank news, the Bank of England cut interest rates following a tight vote. In the commodities market, gold hovered near record highs. Back home, Aussie shares are expected to cap off the final full trading week of 2025 on a strong note. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

As 2025 wraps, how are we set up for the year to come? We welcome economic experts Shamubeel Eaqub, Chief Economist at Simplicity, and Paul McBeth from the Bottom Line, to review a strange year in the markets. Why was the market’s reaction to trade tariffs so unpredictable? Why has market commentary been so pessimistic lately, even as Wall Street approaches new records? Why has NZ’s economy remained sluggish while share markets rose abroad? Has the property investing market learned its lesson? Hear Shamubeel’s theory that it’s been a humbling year for market commentators, and Paul's thoughts on the surprising strength of NZX small caps and Freightways. Plus, the AI question: A bubble, or the next industrial revolution? For more or to watch on YouTube—check out http://linktr.ee/sharedlunchShared Lunch is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it’s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions—including a Target Market Determination and IDPS Guide for Sharesies Australian customers—can be found on our relevant Australian or NZ website. Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance. Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own.See omnystudio.com/listener for privacy information.

In this episode of the Mo Money podcast, we talk about the recent APRA rule changes for mortgage borrowing around debt to income ratios, and how this is essentially changing the game for property investors in Australia. So, we unpack what's actually changing, what's driving that change, who's going to get caught up in these changes, and who is in a position to be able to take advantage of the opportunities that are being created by these shifts, as well as how you should think about making your decisions around property investing within these rules moving forward. This episode is perfect for anyone that's investing in property or intending to in the not too distant future.   Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links:  Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking  Upcoming events: www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697  Ben's books: www.pivotwealth.com.au/books  More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney  YouTube: https://www.youtube.com/c/BenNashPivot  Facebook: https://www.facebook.com/pivotwealth/  Book a chat: calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth     Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

The ASX200 slipped about 0.2% for a third straight session, leaving the week down roughly 1.3%. Materials led gains, up 1.6% driven by Liontown (+12%) and IGO, while gold rose 4% on strong prices. Energy fell 1.4% as oil hit a five‑year low. US job growth slowed and unemployment hit 4.6%, trimming market expectations for an early Fed rate cut. Upcoming data includes US crude inventories, US jobs and retail figures, plus Australian population and national‑account releases, and AGMs for ANZ and Elders. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

Wall Street fell as technology stocks retreated, with the Oracle–Blue Owl decoupling unsettling markets ahead of a looming wave of debt issuance. US Treasuries also slipped after dovish remarks from Fed Governor Christopher Waller. In commodities, silver surged to a record high above US$66 an ounce, while lithium prices jumped in China on plans to revoke mining licences. Back home, Aussie shares are expected to fall for a fourth straight session amid renewed rate-hike concerns. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

If you’ve ever looked at property prices and thought, cool, guess I’ll just rent forever then, this episode is for you. Because while the white picket fence dream might feels further away than ever, that doesn’t mean property investing is completely off the table. This ep is your DIY guide to becoming a trust fund baby... a real estate investment trust fund baby. Victoria is breaks down the other way to get property exposure without a mortgage, stamp duty, or a single call about a broken hot water system aka REITs. Think shopping centres, warehouses, data centres and supermarkets… without owning the building, chasing rent, or committing your entire financial future to one postcode.In this ep:

In this episode I chat with Todd Wenning, a seasoned investment professional with experience at Ensemble Capital, Morningstar, and the Motley Fool about some of the most critical aspects of successful investing: moats, management, and buying companies at the right price. We based this conversation on this Venn diagram that Todd published on X (Twitter) in 2017. For those eager to dive deeper into Todd's investment philosophy and to discover hidden gems in the market, visit Flyover Stocks.Here's a link to the blog post: https://www.sharesforbeginners.com/blog/todd-wenning-flyover-stocks

The ASX200 closed down 0.4% for a second straight session, led by energy off 2.3% and tech off 2.5% for a seventh day. DroneShield surged 22% after winning a €50 million European contract, while Orica rose 2.5% on strong explosives demand. Investors look ahead to US retail, jobs, manufacturing and inflation data, plus upcoming dividend payouts. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

This week Commbank's Agricultural economist, Dennis Voznesenski, speaks with Aussie Economist Harry Ottley on the just released RBA rate forecast call, house prices and all things agricultural markets. For more frequent updates, you can find Dennis and Harry on LinkedIn by searching their names. You can also find updates from Dennis on X by searching Voz_Dennis.   Disclaimer:    Important Information   This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”).  Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au.   No Reliance  This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes.  This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast.   The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  Liability Disclaimer  The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.   Usage of Artificial Intelligence  To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence. 

2025 has been a year of global shocks, shifting monetary policy, and cautious investor sentiment. In this episode, Nigel Grant (Head of Wealth Products, ASB) is joined by Chris Tennent-Brown (Senior Economist, ASB) and David Griffith (Client Chief Investment Officer and Head of Multi Asset Solutions, BlackRock) to reflect on the global and local themes that influenced markets and the New Zealand economy. They also discuss key changes to ASB portfolios and share practical tips for investors heading into the new year. *** This material has been created with the co-operation of BlackRock Investment Management (Australia) Limited (BIMAL) ABN 13 006 165 975, AFSL 230 523 on 03/12/2025. Comments made by BIMAL employees here represent BIMAL's views only. This material provides general information only and does not take into account your individual objectives, financial situation, needs or circumstances. Before making any investment decision, you should obtain financial advice tailored to you having regard to your individual objectives, financial situation, needs and circumstances. Refer to BIMAL's Financial Services Guide on its website for more information. This material is not a financial product recommendation or an offer or solicitation with respect to the purchase or sale of any financial product in any jurisdiction.

US share markets slipped on Tuesday, with the S&P 500 weighed down by healthcare stocks as investors digested distorted economic data. The US dollar fell after delayed data pointed to softer jobs growth, while energy stocks sank as oil slipped below $60 a barrel amid Russia–Ukraine talks. European equities also retreated, led by sharp declines in defence stocks. Back home, Aussie shares are expected to fall for a third straight session ahead of the mid-year economic update. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

As the US enters midterm year, Dan Clifton returns to help navigate the political and economic crosscurrents impacting the world's largest economy. Fiscal stimulus, election year market volatility, recession risks and the Fed's strategy are all under the microscope in this episode of Beyond the Benchmark with Moz Afzal. Our host, Moz Afzal:https://bit.ly/31XbkTROur guests:Dan Clifton, Head of Policy Research at Strategashttp://bit.ly/3iTUMIGEFGAM:https://www.newcapital.com/Important disclaimersThe value of investments and the income derived from them can fall as well as rise, and past performance is no indicator of future performance. Investment products may be subject to investment risks involving, but not limited to, possible loss of all or part of the principal invested. This document does not constitute and shall not be construed as a prospectus, advertisement, public offering or placement of, nor a recommendation to buy, sell, hold or solicit, any investment, security, other financial instrument or other product or service. It is not intended to be a final representation of the terms and conditions of any investment, security, other financial instrument or other product or service. This document is for general information only and is not intended as investment advice or any other specific recommendation as to any particular course of action or inaction. The information in this document does not take into account the specific investment objectives, financial situation or particular needs of the recipient. You should seek your own professional advice suitable to your particular circumstances prior to making any investment or if you are in doubt as to the information in this document.Although information in this document has been obtained from sources believed to be reliable, no member of the EFG group represents or warrants its accuracy, and such information may be incomplete or condensed. Any opinions in this document are subject to change without notice. This document may contain personal opinions which do not necessarily reflect the position of any member of the EFG group. To the fullest extent permissible by law, no member of the EFG group shall be responsible for the consequences of any errors or omissions herein, or reliance upon any opinion or statement contained herein, and each member of the EFG group expressly disclaims any liability, including (without limitation) liability for incidental or consequential damages, arising from the same or resulting from any action or inaction on the part of the recipient in reliance on this document.The availability of this document in any jurisdiction or country may be contrary to local law or regulation and persons who come into possession of this document should inform themselves of and observe any restrictions. This document may not be reproduced, disclosed or distributed (in whole or in part) to any other person without prior written permission from an authorised member of the EFG group.This document has been produced by EFG Asset Management (UK) Limited for use by the EFG group and the worldwide subsidiaries and affiliates within the EFG group. EFG Asset Management (UK) Limited is authorised and regulated by the UK Financial Conduct Authority, registered no.7389746. Registered address: EFG Asset Management (UK) Limited, 116 Park Street, London W1K 6AP, United Kingdom, telephone +44 (0)207 491 9111.Independent Asset Managers: in case this document is provided to Independent Asset Managers (“IAMs“), it is strictly forbidden to be reproduced, disclosed or distributed (in whole or in part) by IAMs and made available to their clients and/or third parties. By receiving this document IAMs confirm that they will need to make their own decisions/judgements about how to proceed and it is the responsibility of IAMs to ensure that the information provided is in line with their own clients' circumstances with regard to any investment, legal, regulatory, tax or other consequences. No liability is accepted by EFG for any damages, losses or costs (whether direct, indirect or consequential) that may arise from any use of this document by the IAMs, their clients or any third parties.If you have received this document from any affiliate or branch referred to below, please note the following:Australia: This document has been prepared and issued by EFG Asset Management (UK) Limited, a private limited company with registered number 7389746 and with its registered office address at 116 Park Street, London W1K 6AP (telephone number +44 (0)207 491 9111). EFG Asset Management (UK) Limited is regulated and authorized by the Financial Conduct Authority No. 536771. EFG Asset Management (UK) Limited is exempt from the requirement to hold an Australian financial services licence in respect of the financial services it provides to wholesale clients in Australia and is authorised and regulated by the Financial Conduct Authority of the United Kingdom (FCA Registration No. 536771) under the laws of the United Kingdom which differ from Australian laws.ASIC Class Order CO03/1099EFG Asset Management (UK) Limited notifies you that it is relying on the Australian Securities & Investments Commission (ASIC) Class Order CO03/1099 (Class Order) exemption (as extended in operation by ASIC Corporations (Repeal and Transitional Instrument 2016/396) for UK Financial Conduct Authority (FCA) regulated firms which exempts it from the requirement to hold an Australian financial services licence (AFSL) under the Corporations Act 2001 (Cth) (Corporations Act) in respect of the financial services we provide to you.The financial services that we provide to you are regulated by the FCA under the laws and regulatory requirements of the United Kingdom which are different to Australia. Consequently any offer or other documentation that you receive from us in the course of us providing financial services to you will be prepared in accordance with those laws and regulatory requirements. The UK regulatory requirements refer to legislation, rules enacted pursuant to the legislation and any other relevant policies or documents issued by the FCA.Your Status as a Wholesale ClientIn order that we may provide financial services to you, and for us to comply with the Class Order, you must be a ‘wholesale client' within the meaning given by section 761G of the Corporations Act. Accordingly, by accepting any documentation from us prior to the commencement of or in the course of us providing financial services to you, you:• warrant to us that you are a ‘wholesale client';• agree to provide such information or evidence that we may request from time to time to confirm your status as a wholesale client;• agree that we may cease providing financial services to you if you are no longer a wholesale client or do not provide us with information or evidence satisfactory to us to confirm your status as a wholesale client; and• agree to notify us in writing within5 business days if you cease to be a ‘wholesale client' for the purposes of the financial services that we provide to you.Bahamas: EFG Bank & Trust (Bahamas) Ltd. is licensed by the Securities Commission of the Bahamas pursuant to the Securities Industry Act, 2011 and Securities Industry Regulations, 2012 and is authorised to conduct securities business in and from The Bahamas including dealing in securities, arranging dealing in securities, managing securities and advising on securities. EFG Bank & Trust (Bahamas) Ltd. is also licensed by the Central Bank of The Bahamas pursuant to the Banks and Trust Companies Regulation Act, 2000 as a Bank and Trust company. Registered office: Goodman‘s Bay Corporate Centre W...

We see the diversification mirage – one of our 2026 Outlook themes – playing out in real time with a sharp spike in global bond yields. Natalie Gill, Portfolio Strategist at the BlackRock Investment Institute, explains. FOR PUBLIC DISTRIBUTION IN THE U.S., CANADA, LATIN AMERICA, AUSTRIA, BELGIUM, DENMARK, FINLAND, FRANCE, GERMANY, IRELAND, ISRAEL, ITALY, LIECHENSTEIN, LUXEMBOURG, NETHERLANDS, NORWAY, PORTUGAL, SOUTH AFRICA, SPAIN, SWEDEN, SWITZERLAND, THE UNITED KINGDOM, HONG KONG, SINGAPORE AND AUSTRALIA. FOR INSTITUTIONAL, PROFESSIONAL, QUALIFIED CLIENTS/INVESTORS IN OTHER PERMITTED COUNTRIES. General disclosure: This document is marketing material, is intended for information and educational purposes only, and does not constitute investment advice, a recommendation or an offer or solicitation to purchase or sell any securities or any investment strategies. The opinions expressed are as of [DATE] and are subject to change without notice. Reliance upon information in this material is at the sole discretion of the reader. Investing involves risks. This information is not intended to be complete or exhaustive and no representations or warranties, either express or implied, are made regarding the accuracy or completeness of the information contained herein. This material may contain estimates and forward-looking statements, which may include forecasts and do not represent a guarantee of future performance. In EMEA, in the UK and Non-European Economic Area (EEA) countries: this is Issued by BlackRock Investment Management (UK) Limited, authorised and regulated by the Financial Conduct Authority. Registered office: 12 Throgmorton Avenue, London, EC2N 2DL. Tel: + 44 (0)20 7743 3000. Registered in England and Wales No. 02020394. For your protection telephone calls are usually recorded. Please refer to the Financial Conduct Authority website for a list of authorised activities conducted by BlackRock. In the European Economic Area (EEA): this is Issued by BlackRock (Netherlands) B.V. is authorised and regulated by the Netherlands Authority for the Financial Markets. Registered office Amstelplein 1, 1096 HA, Amsterdam, Tel: 31-20-549- 5200. Trade Register No. 17068311 For your protection telephone calls are usually recorded. In Italy, for information on investor rights and how to raise complaints please go to https://www.blackrock.com/corporate/compliance/investor-right available in Italian. BlackRock Advisors (UK) Limited - Abu Dhabi Global Market (ADGM) Branch is a Branch of a Foreign Company registered with the Abu Dhabi Global Market Registration Authority (Registered number 21523), with its office at Floor 25, Al Sila Tower, Abu Dhabi Global Market Square, Al Maryah Island, Abu Dhabi, UAE, and is regulated by the ADGM Financial Services Regulatory Authority (“FSRA”) to engage in the regulated activities of ‘Arranging Deals in Investments'; ‘Advising on Investments or Credit' ‘Managing Assets'; and ‘Managing in a Collective Investment Fund' (FRSA Reference 240099). Blackrock Advisors (UK) Limited - Dubai Branch is a Dubai International Financial Centre (DIFC) Foreign Recognised Company registered with the DIFC Registrar of Companies (DIFC Registered Number 546), with its office at Unit L15 - 01A, ICD Brookfield Place, DIFC, PO Box 506661, Dubai, UAE, and is regulated by the DFSA to engage in the regulated activities of ‘Advising on Financial Products' and ‘Arranging Deals in Investments' in or from the DIFC, both of which are limited to units in a collective investment fund (DFSA Reference Number F000738). In Albania, Angola, Armenia, Azerbaijan, Botswana, Bulgaria, Egypt, Georgia, Ghana, Jordan, Kazakhstan, Kenya, Kosovo, Lebanon, Mauritius, Morocco, Mozambique, Namibia, Nigeria, North Macedonia, Pakistan, Rwanda, Serbia, Tanzania, Turkey, Uganda, Uzbekistan, Zambia, Zimbabwe, this document is intended strictly for central banks and sovereign investors only. In Israel: BlackRock Investment Management (UK) Limited is not licensed under Israel's Regulation of Investment Advice, Investment Marketing and Portfolio Management Law, 5755-1995 (the “Advice Law”), nor does it carry insurance thereunder. In South Africa, please be advised that BlackRock Investment Management (UK) Limited is an authorized financial services provider with the South African Financial Services Board, FSP No. 43288. In the ADGM, the information contained in this document is intended strictly for Professional Clients. In the DIFC, this material is intended strictly for Professional Clients as defined under the Dubai Financial Services Authority (“DFSA”) Conduct of Business (COB) Rules. In the Kingdom of Bahrain and the Sultanate of Oman, the information contained in this document is intended strictly for sophisticated institutions. In the State of Kuwait, the information contained in this document is intended strictly for sophisticated institutions that are ‘Professional Clients' as defined under the Kuwait Capital Markets Law and its Executive Bylaws. In Qatar, the information contained in this document is intended strictly for sophisticated investors and high net worth investors. In the Kingdom of Saudi Arabia, this material is for distribution to Institutional and Qualified Clients (as defined by the Implementing Regulations issued by Capital Market Authority) only and should not be relied upon by any other persons. In United Arab Emirates (UAE) (excluding the DIFC and the ADGM: the information contained in this document is intended strictly for Professional Investors. In Australia and New Zealand, issued by BlackRock Investment Management (Australia) Limited ABN 13 006 165 975 AFSL 230 523 (BIMA). The material provides general information only and does not take into account your individual objectives, financial situation, needs or circumstances. Refer to BIMAL's Financial Services Guide on its website for more information. In New Zealand, this material is for the exclusive use of the recipient, who warrants by receipt of this material that they are a wholesale client as defined under the New Zealand Financial Advisers Act 2008 respectively. BIMAL is not licensed by a New Zealand regulator to provide ‘Financial Advice Service' ‘Investment manager under an FMC offer' or ‘Keeping, investing, administering, or managing money, securities, or investment portfolios on behalf of other persons'. BIMAL's registration on the New Zealand register of financial service providers does not mean that BIMAL is subject to active regulation or oversight by a New Zealand regulator. In China, this material may not be distributed to individuals resident in the People's Republic of China (“PRC”, for such purposes, excluding Hong Kong, Macau and Taiwan) or entities registered in the PRC unless such parties have received all the required PRC government approvals to participate in any investment or receive any investment advisory or investment management services. In Hong Kong, this material is issued by BlackRock Asset Management North Asia Limited and has not been reviewed by the Securities and Futures Commission of Hong Kong. In Japan, this is issued by BlackRock Japan. Co., Ltd. (Financial Instruments Business Operator: The Kanto Regional Financial Bureau. License No375, Association Memberships: Japan Investment Advisers Association, The Investment Trusts Association, Japan, Japan Securities Dealers Association, Type II Financial Instruments Firms Association) for Institutional Investors only. All strategies or products BLK Japan offer through the discretionary investment contracts or through investment trust funds do not guarantee the principal amount invested. The risks and costs of each strategy or product we offer cannot be indicated here because the financial instruments in which they are invested vary each strategy or product. In Singapore, this is issued by BlackRock (Singapore) Limited (Co. registration no. 200010143N). This advertisement or publication has not been reviewed by the Monetary Authority of Singapore. In South Korea, this information is issued by BlackRock Investment (Korea) Limited, for distribution to Qualified Professional Investors (as defined in the Financial Investment Services and Capital Market Act and its sub-regulations). In Taiwan, independently operated by BlackRock Investment Management (Taiwan) Limited. Address: 28F., No. 100, Songren Rd., Xinyi Dist., Taipei City 110, Taiwan. Tel: (02)23261600. For other APAC countries, this material is issued for Institutional Investors only (or professional/sophisticated /qualified investors, as such term may apply in local jurisdictions). In Latin America, no securities regulator within Latin America has confirmed the accuracy of any information contained herein. The provision of investment management and investment advisory services is a regulated activity in Mexico thus is subject to strict rules. For more information on the Investment Advisory Services offered by BlackRock Mexico please refer to the Investment Services Guide available at www.blackrock.com/mx. ©2025 BlackRock, Inc. or its affiliates. All Rights Reserved. BLACKROCK is a trademark of BlackRock, Inc., or its affiliates. All other trademarks are those of their respective owner.BIIM1225U/M-5064073

My guest this week is Nathan Krieger, head of Dimensional Fund Advisors' global client group in Australia. We discuss the documentary "Tune Out the Noise," directed by Academy Award winner Errol Morris. The film highlights revolutionary ideas from 1960s University of Chicago academics that challenged Wall Street norms and led to index funds and efficient market theory.Blog post available at: https://www.sharesforbeginners.com/blog/tune-out-the-noiseWatch on YouTube right here.

The ASX200 fell 62 points, about 0.7%, its worst day in three weeks. The materials sector led losses, down 2.2% on dropping copper and iron ore prices and weaker Chinese data, with BHP and Rio pulling the market down. DroneShield bucked the trend, up roughly 10.5%. Investors now focus on US manufacturing, jobs and inflation releases, upcoming Fed speeches and the RBA’s Brad Jones address later today. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

Wall Street was subdued as investors brace for a busy week of jobs data, with US stocks edging lower while Treasuries firmed as the Fed rate debate continued. In company news, Tesla shares pushed toward a record high for the first time this year, while ServiceNow fell as analysts weighed the merits of its Armis acquisition. In commodities, oil prices slipped as the broader supply outlook offset disruptions to Venezuelan flows, copper rose on a weaker US dollar, and gold climbed to a seven-week high. Back home, Aussie shares are expected to fall ahead of consumer confidence data. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

Even some of the most successful people you know started at rock bottom like $60k in debt, no job, and pretending everything is totally fine. That was Jane Lu’s life… right before she built Showpo. And today, Jane is speaking candidly about it all.The pressure to pick the “good girl” career, the fear of disappointing her parents, the panic of feeling behind while everyone else looks like they’re sprinting ahead and the moment you realise you’ve built a life around other people’s expectations and now you have to undo it. But interesting part is what came next, and nothing about it looked like the beginning of a global brand. Cofounders walked. Ideas fizzled. She was building websites in the State Library and quietly hoping no one noticed she was making it up as she went. And then, slowly, things shifted. A call she made out of instinct, a social moment went viral and she found a way of working that suited her Lazy CEO approach. This became the backbone of the business she’d grow into a company valued at more than $100 million. In this ep:✨Her mindset shifts about the "safe" career✨How to rebuild when your confidence is shot and your bank account is judging you✨The small (almost accidental) move that blew open her career✨Lazy CEO rules that help you stop doing the absolute most✨Why your messy chapter isn’t a setback, it’s leverageJANE'S LINKS: Showpo's website, TikTok & InstagramHer personal website, Tiktok & Instagram READ: Victoria's book The Business Bible just won the Entrepreneurship and Small Business Book of the Year at the 2025 Australian Business Book Awards. You can find it here. Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289. See omnystudio.com/listener for privacy information.

US stocks fell as concerns over AI exuberance resurfaced, with Broadcom sliding amid margin worries, while Lululemon rallied after raising its annual profit outlook. Meanwhile, US government bond yields rose after Fed officials warned of lingering inflation pressures. Elsewhere, European shares also retreated as a risk-off mood spilled into commodities. Back home, Aussie shares are expected to open the week lower, snapping their longest winning streak since August. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

Kristina Clifton and Samara Hammoud discuss the top influences on currency markets this week including a range of US economic data and central bank policy meetings in the UK, Eurozone and Japan.    Disclaimer:    Important Information   This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”).  Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au.   No Reliance  This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes.  This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast.   The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  Liability Disclaimer  The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.   Usage of Artificial Intelligence  To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence.   

CBA economists Belinda Allen and Harry Ottley dissect the hawkish RBA Board meeting and analyse economic data on the labour market and consumer spending.  ------ DISCLAIMER ------  Important Information    This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”).   Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au.   No Reliance   Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice.   This podcast provides general market-related information only and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It is not investment research and nor does it purport to make any recommendations.   Where ‘CBA Data' is cited, this refers to the Bank's proprietary data that is sourced from its internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. The data used in the ‘CommBank Household Spending Insights' series is a combination of the CBA Data and publicly available ABS, Cotality and RBA data. As analysis is based on Bank customer transactions, it may not reflect all trends in the market. All customer data used or represented in this podcast is anonymised before analysis and is used, and disclosed, in accordance with the Group Privacy Statement.   The Bank believes that the information in this podcast is correct, and any opinions, conclusions or recommendations made are reasonably held and are based on the information available at the time of its compilation. The Bank makes no representation or warranty, either expressed or implied, as to the accuracy, reliability or completeness of any statement made.  Liability Disclaimer   The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.”    Usage of Artificial Intelligence  To enhance efficiency, GEMR may use the Bank approved artificial intelligence (AI) tools to assist in preparing content for this podcast. These tools are used solely for drafting and structuring purposes and do not replace human judgment or oversight. All final content is reviewed and approved by GEMR analysts for accuracy and independence. 

The Aussie market posted its best gain in three weeks, making it a third consecutive positive week, as global rate cut expectations and soaring commodity prices drove strong performance. Stevie and Laura review a volatile week that ended on a high note, with the benchmark index up 1.2% for the day. The Materials sector was the clear standout, lifting 2% to hit an all-time high, driven by gold and copper climbing to record prices following the US Federal Reserve's rate cut. The biggest individual gainers included several gold and uranium miners, while losers included Metcash, which traded ex-dividend, and shipbuilder Austal. Looking ahead, the final full week of trade brings important interest rate decisions from the European Central Bank, the Bank of England, and the Bank of Japan, alongside key US jobs and inflation data.

Some weeks it feels like you’re doing everything right with money… and still getting nowhere. If that’s been your energy lately, you’re not alone. This week we’re unpacking why that happens, what it means when your effort isn’t matching the outcome, and the practical ways to reset without throwing your whole plan in the bin. We also heard from someone in our community who’s feeling the annual Christmas tug-of-war: wanting to keep things simple and values-aligned, but also navigating grandparents who love a shopping spree and a partner who’s all in on the festive chaos. So we chat through how to set boundaries without being the Grinch, how to rethink “enough” at Christmas, and the small shifts that stop the season from steamrolling your sanity or your savings. Plus your money wins, unhinged broke-tips we never see coming, and the usual Friday fun to kick-off the weekend. Need the team’s take on your money dilemma? Send us a voicemail here.Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

The Dow Jones jumped 600 points to a record high as an Oracle-led slide in AI names triggered a broader rotation out of the trade. Elsewhere, Walt Disney announced a $1 billion investment in OpenAI while fertiliser stocks climbed as Ukraine struck Russian fertiliser plants. At the same time, US Treasuries fell for a second straight session following the Fed’s statement and jobless claims posted their biggest rise since March 2020. In commodities, silver hit an all-time high, and copper climbed to a fresh record after the Fed’s rate cut. Back home, Aussie shares are expected to jump on China stimulus hopes. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

Stevie and Laura unpack a busy Thursday where the ASX jumped early on a US Fed rate cut, only to lose steam after a mixed local jobs report. The market still closed slightly higher, helped by gains in materials and real estate, while tech and healthcare dragged. Scentre Group was one of the standout performers after interest emerged in a potential stake sale at Westfield Sydney, Flight Center jumped on upgraded profit expectations following its UK cruise acquisition, and Myer surged on record Black Friday sales. On the weaker side, IAG slipped after the ACCC knocked back its planned WA insurance purchase. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

Meet the operating system behind the global box office. We’re with Stuart Dickinson, CEO of Vista Group, a Kiwi software provider serving almost half the world’s major movie theatre chains. Stuart explains how Vista handles over $15 billion USD in transactions annually, with the shift from simple coke and popcorn sales to luxury dining and beverage service. Hear about Vista's transformation to a higher-margin Software as a Service (SaaS) subscription model and the associated risks and opportunities. Find out about the real impact of streaming, why a theatrical release is still good for a film’s bottom line, and why theaters love horror movies. Plus, the financial metrics retail investors should watch to track Vista’s ongoing transformation. Plus, Stuart explains his confidence in the future of the cinema experience—even in the Netflix age. For more or to watch on YouTube—check out http://linktr.ee/sharedlunchShared Lunch is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it’s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions—including a Target Market Determination and IDPS Guide for Sharesies Australian customers—can be found on our relevant Australian or NZ website. Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance. Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own.See omnystudio.com/listener for privacy information.

DR's krimipodcast. Hver uge undersøger vi nye og gamle kriminalsager og går bag om opklaring, forbrydelse og straf. Skriv til detaljen@dr.dk Produceret for DR af Filt Cph.

In this episode of the Mo Money podcast, we talk about how to sell an investment property capital gains tax free. Basically, getting into the main residence CGT exemption in Australia, the six year rule, and how they play together. But we get into the nuances around this and how it works with first home buyer schemes versus negative gearing rules and deductibility, what happens if you're overseas and some of the more complex but opportunistic areas of this strategy that you can use to put your cut your tax bill down and keep more of the gains on your property assets. This episode is perfect for anyone in the property market that doesn't want to pay more tax than they have to.   Smarter money moves start here. Learn how to cut through the noise, avoid expensive mistakes, and get ahead faster. Helpful links:  Book a no-strings call to get more out of your money here: www.pivotwealth.com.au/booking  Upcoming events: www.eventbrite.com.au/o/ben-nash-pivot-wealth-34379655697  Ben's books: www.pivotwealth.com.au/books  More about Pivot Wealth: www.pivotwealth.com.au Follow us on socials: Instagram: https://www.instagram.com/pivotben TikTok: https://www.tiktok.com/@bentalksmoney  YouTube: https://www.youtube.com/c/BenNashPivot  Facebook: https://www.facebook.com/pivotwealth/  Book a chat: calendly.com/pivot-new-clients/intro-chat-w-pivot-wealth     Disclaimer This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.

If you want to wow your family with a fancy-looking Christmas feast while secretly spending way less, you need this episode. We called in our favourite bougie-on-a-budget queen, Chelsea Goodwin, to show us how to pull off a Christmas table that looks rich, festive and fabulous, while your actual grocery bill stays unbothered. Chelsea is dropping 17 genuinely clever hacks that will shrink your Christmas food spend. We’re talking the ingredient tricks that do double duty, the meats that seem fancy but aren’t, the sides that look like you catered, and the planning secrets that stop the Christmas Eve trolley panic. And yes, she brought her full under-$100 Christmas menu. It’s generous, it’s gorgeous, it’s chaos-proof and you’re absolutely allowed to steal it.In this ep:

My guest this week is Nathan Krieger, head of Dimensional Fund Advisors' global client group in Australia. We discuss the documentary "Tune Out the Noise," directed by Academy Award winner Errol Morris. The film highlights revolutionary ideas from 1960s University of Chicago academics that challenged Wall Street norms and led to index funds and efficient market theory.Blog post available at: https://www.sharesforbeginners.com/blog/tune-out-the-noiseWatch on YouTube right here.

My guest this week is Ian Keldoulis, co-author of Unblinded: The Startup That Launched a Revolution in Saving Sight. He wrote the book with Dr. David Guyer, chronicling the founding of Eyetech Pharmaceuticals in 2000. They developed Macugen, the first effective treatment for age-related macular degeneration (AMD), a disease that once blinded millions in their later years.Unblinded on AmazonUnblinded on Barnes & NobleUnblinded on the publisher's storefrontBlog post available at: https://www.sharesforbeginners.com/blog/ian-keldoulisWatch on YouTube right here.

A year after being thrown head first into financial litteracy and producing over 200 episodes of She’s On The Money, our behind the scenes queen Emma is here to share exactly how her finances and money mindset has changed. This is what happens when real life, rising costs, and a very loud financial education collide. A home that wasn’t meant to be forever suddenly holds the key to a much bigger plan. One tiny change inside her super she'd been putting off ends up doing far more than she expected. And the investing strategy she used to overthink becomes the thing that finally gives her financial clarity. Inside this ep:

You’re trying to save, plan, be responsible, do the grown-up things, but underneath it you’re tired in a way that a weekend off doesn’t quite fix. If that’s you, this week we’re talking about the moments where your financial goals start clashing with your wellbeing, and how to tell when you’re pushing yourself for a dream versus pushing yourself past your limits. Plus, what does progress look like when you’re burnt out, and how do you protect the version of you you’re building all this for? Then we're diving into leaving a job without burnining bridges... and still getting a good reference. Whether things are a bit tense or fully toxic, navigating an exit in a small industry is tricky at best. So we explore the smarter ways to manage references, timing, expectations, and how to leave a workplace with your dignity and your options intact.Need the team’s take on your money dilemma? Send us a voicemail here.Or if it's more of a spicy money drama and you want the communities verdict? Slide into our DMs here. Ready for more laughs, lessons, and unhinged money chats? Check out our oh-so-bingeable Friday Drinks playlist. Listen here. Join our 400K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

Every December starts with good intentions and ends with the same sentence: how did I spend that much? Because Christmas has a way of turning even the most financially competent women into festive chaos elves… not because you’re “bad with money,” but because the whole season is engineered to hijack your brain. This week, Victoria unpacks the psychology behind Christmas overspending and the subtle mind games retailers play that make you feel generous when you’re actually being steered. This isn’t about being a Grinch. It’s about finally seeing the tricks for what they are, so you can have a Christmas that still feels magical, without the financial regret in January.In this ep:

If you’ve ever looked at your payslip and thought “there’s no way I can build anything on this,” this diary is the proof you need. Our Money Diarist started on eight dollars an hour at Macca’s, saved like a girl with a plan, and built a foundation that most of us don’t hit until our thirties.... and she did it before she could legally rent a car. This episode is packed with the stuff that actually matters when you’re starting small. The tiny habits that added up to her first thirty thousand dollars. The mindset that kept her choosing long-term wins over short-term fun. The discipline she built on a low wage that turned out to be her biggest superpower once her income jumped. If you’ve been telling yourself you’ll start saving “when you earn more,” this diary will change your whole perspective, and maybe your next pay cycle too. If you want the motivation to start with what you’ve got, this diary will light that fire. Ready to binge more relatable, inspiring, and downright juicy money stories? Check out our ultimate Money Diaries playlist. Listen now Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+. And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.