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In this episode, we dive into private assets. What they are, their history, the risks and benefits and whether they suit investors.In this week's Unconventional Wisdom column, Mark runs through the reason why private credit is a hard no for him. As investors rush into the attractive yield offered by private credit providers, he urges caution and why all that glitters is not always gold.Shani's Future Focus looks at three ways to maximise your returns. Her column looks past how to find the best investments, but how to maximise the returns of the ones that you have.Public companies that are taken over by private equity are usually done so at a premium to recent share prices. But does seeking out potential takeover targets make sense for investors? In the latest edition of Bookworm, Joseph taps the insight of legendary fund manager Anthony Bolton to arrive at three things that might make a company more attractive to acquirers. He also explains why investors should be wary of relying too much on this outcome alone.99% of investors won't be the next Warren Buffett. Luckily, we don't need to be that successful. This week Sim continues to explore products that make investing easier, with the newest edition of Young & Invested featuring a deep dive on one-ETF portfolios. Are they a help or hinderance to your goals? To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

In this listener requested episode, we look at the difference between Dividend Reinvestment Plans (DRPs) and Dividend Substitution Share Plans (DSSPs). There are some very important benefits to each plan that may mean one plan will suit investors better than the other.You're able to find the full article here. To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

This episode goes through the steps to successfully monitor your portfolio. For successful investors, your job doesn't end when you hit ‘buy'.You're able to find the full article here. To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

In this episode, we look at the top shares of Australia's best performing super funds, and our equity analysts' outlook for the stocks.You're able to view the article here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton.This week for Mark's Unconventional Wisdom column, he grades the superannuation system in Australia, offering each part of the system a letter grade of A, B, C or D. It allows investors to understand what our super system does well and what it doesn't, and how that might impact them. Shani's Future Focus column looks at a quirk to one of the most generous tax concessions that we have in Australia, the CGT exemption for your home. The CGT exemption also allows for you to rent out your property for a number of years, and still claim the CGT-exempt status. Shani takes a deep dive into the tax policy, the circumstances that it suits and the situations to avoid that would make homeowners pay more tax than they need to. Small caps have historically traded at a premium given conviction behind long term outperformance. Market narratives surrounding their sizeable growth prospects can sway younger investors who performance chase. As a follow up on a previous article 'The Beginner ETF Portfolio', Sim explores the risks and merits of small cap exposure in a beginner's ETF portfolio. AI chatbots and search assistants have transformed the way that many people seek information. But can they be relied upon for investment advice, too? Acting on a recommendation from a recent industry event, Joseph asked ChatGPT to impersonate an investment board of three famous investors. Then, he asked it to discuss some potential investments. What happened next left Joseph impressed and worried in equal measure. Hosted on Acast. See acast.com/privacy for more information.

Buffett has invested for over 7 decades, where his investing style and approach has evolved. There are many lessons, quotes and soundbites that investors take from him. This episode looks at the lessons that we should ignore from Buffett.You can find the full article here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton.We always have market sceptics (including us at times) declare that there will be inevitable bear markets. However, we've had significant economic and social disruption in the form of a pandemic, and the volatility and uncertainty of President Trump. Still, the market continues to rise. In Mark's latest column, he has explored the reasons for why the market continues to rise, and whether the trend will continue. Stock market participants can broadly be split into two camps: investors and speculators. In the next edition of Bookworm, Joseph shows how Warren Buffett's teacher Benjamin Graham distinguished between the two in a single paragraph of text. He also poses a question that every budding investor should ask themselves, and shares his view on a five word approach to markets that Graham recommended. Shani's last edition of her column looked at a tax targeting super accounts over $3 million. In this edition, she broadens the lens. Australia has a National Financial Capability Strategy, but it is inactive. She runs through the dire impacts that putting financial literacy on the backburner can have on Aussies. She writes an open letter to the newly re-elected Government, urging an immediate focus on improving financial literacy. 60% of Aussies report not feeling confident about managing their own retirement. The relationship between you and your super fund might end up being one of the longest relationships you'll ever have. And just like life, you're at liberty to chop and change as you go. But much like picking a good partner, who you start with matters. In this week's Young & Invested, Sim explores some of the things you should consider when picking between super funds. Hosted on Acast. See acast.com/privacy for more information.

This May, Meet Cute is serving up love, made to order: we're dishing out a second helping of Baby Girl — the slow-burn farm romance that stole hearts the first time around. Whether you're back for seconds or tasting it fresh, it's a love story worth savoring. Episodes drop Tuesdays and Fridays starting May 13th. Meet Cute Presents: Baby Girl - Part 5, where Sloane is almost ready to unveil the new restaurant, but then Vivienne shows up. Riley hasn't been entirely honest with why he's been at the farm so much. Story by Casey Boykins. Produced and Directed by Suha Araj. Casting Director and Line Producer: Jenn Nielsen. Audio Producer and Sound Designer: Sean Paulsen. Story Editor: Amarlie Foster. Director of Creative Production: Lucie Ledbetter. Starring: Kristen Sullivan, Imaeyen Ibanga, Andrew Spencer, Dennis Kleinman Michael Orenstein, Rasha Zamamiri, Sean Paulsen. Follow @MeetCute on Instagram and @MeetCuteRomComs on Twitter & TikTok. Check out our other rom-coms, including KERRI with Pauline Chalamet, IMPERFECT MATCH with Arden Cho, and DUMP HIM! with Minnie Mills. Check out our other dramas, including FIRE & ICE with Chiara Aurelia and Jack Martin, and POWER TEN.  Check out our other fantasies, including A PROPHECY OF INCENSE AND SNOW and I'VE BECOME A TRUE VILLAINESS.  Have a crush on us? Follow Meet Cute, rate us 5 stars, and leave a review! Learn more about your ad choices. Visit podcastchoices.com/adchoices

This May, Meet Cute is serving up love, made to order: we're dishing out a second helping of Baby Girl — the slow-burn farm romance that stole hearts the first time around. Whether you're back for seconds or tasting it fresh, it's a love story worth savoring. Episodes drop Tuesdays and Fridays starting May 13th. Meet Cute Presents: Baby Girl - Part 4, where Sloane finds out she's got very limited time to get the farm-to-table restaurant ready, or else the property has to go to buyers. Luckily, Riley is there to help. Story by Casey Boykins. Produced and Directed by Suha Araj. Casting Director and Line Producer: AJ Nielsen. Audio Producer and Sound Designer: Sean Paulsen. Story Editor: Amarlie Foster. Director of Creative Production: Lucie Ledbetter. Starring: Kristen Sullivan, Imaeyen Ibanga, Andrew Spencer, Dennis Kleinman, Michael Orenstein. Follow @MeetCute on Instagram and @MeetCuteRomComs on Twitter & TikTok. Check out our other rom-coms, including KERRI with Pauline Chalamet, IMPERFECT MATCH with Arden Cho, and DUMP HIM! with Minnie Mills. Check out our other dramas, including FIRE & ICE with Chiara Aurelia and Jack Martin, and POWER TEN.  Check out our other fantasies, including A PROPHECY OF INCENSE AND SNOW and I'VE BECOME A TRUE VILLAINESS.  Have a crush on us? Follow Meet Cute, rate us 5 stars, and leave a review! Learn more about your ad choices. Visit podcastchoices.com/adchoices

This episode runs through what the new Division 296 tax is, who it impacts, what investors should do to prepare for it.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton.Shani's Future Focus column takes a deep dive into the controversial Division 296 tax - also known as the unrealised capital gains tax in super. She runs through how it works, why more Aussies are going to be impacted by it than we think and what investors can do to prepare for it.Buffett has invested for over 7 decades, where his investing style and approach has evolved. There are many lessons, quotes and soundbites that investors take from him. In this week's edition of Unconventional Wisdom, Mark has looked at 3 lessons to ignore from the Oracle of Omaha. With most Aussies now holding at least one ETF in their portfolio, it's a hard proposition to ignore for beginner investors. Following on from her previous column on the beginner ETF portfolio, this week Sim explores the Aussie equity ETF market and compares two investor favourites in this category. Joseph's featured article is the first edition of Stock Showdown, a new series that uses Morningstar insights to compare the business and investment merits of different ASX companies. To kick things off, Joseph enlisted the help of our global mining analyst Jon mills to compare BHP and Rio Tinto. How similar are the two mining heavyweights, where do they differ, and which would Jon choose if he had to? Find out in the first Stock Showdown. Hosted on Acast. See acast.com/privacy for more information.

This May, Meet Cute is serving up love, made to order: we're dishing out a second helping of Baby Girl — the slow-burn farm romance that stole hearts the first time around. Whether you're back for seconds or tasting it fresh, it's a love story worth savoring. Episodes drop Tuesdays and Fridays starting May 13th. Meet Cute Presents: Baby Girl - Part 3, where Sloane is so desperate to save the farm and restaurant, she'll muck the stalls, whatever that means. Sloane breaks the truck and is soon in another argument with sexy Riley. But all of that is pushed from Sloane's mind after a revelation from her father. Story by Casey Boykins. Produced and Directed by Suha Araj. Casting Director and Line Producer: AJ Nielsen. Audio Producer and Sound Designer: Sean Paulsen. Story Editor: Amarlie Foster. Director of Creative Production: Lucie Ledbetter. Starring: Kristen Sullivan, Imaeyen Ibanga, Andrew Spencer, Dennis Kleinman, Michael Orenstein. Follow @MeetCute on Instagram and @MeetCuteRomComs on Twitter & TikTok. Check out our other rom-coms, including KERRI with Pauline Chalamet, IMPERFECT MATCH with Arden Cho, and DUMP HIM! with Minnie Mills. Check out our other dramas, including FIRE & ICE with Chiara Aurelia and Jack Martin, and POWER TEN.  Check out our other fantasies, including A PROPHECY OF INCENSE AND SNOW and I'VE BECOME A TRUE VILLAINESS.  Have a crush on us? Follow Meet Cute, rate us 5 stars, and leave a review! Learn more about your ad choices. Visit podcastchoices.com/adchoices

This May, Meet Cute is serving up love, made to order: we're dishing out a second helping of Baby Girl — the slow-burn farm romance that stole hearts the first time around. Whether you're back for seconds or tasting it fresh, it's a love story worth savoring. Episodes drop Tuesdays and Fridays starting May 13th. Meet Cute Presents: Baby Girl - Part 2, where Sloane's estranged father is forcing her to help out with the farm. Sloane can't help but notice everyone is treating her dad with… delicacy? Is he sick or something? Then Riley, AKA the hottest cowboy in town, shows up and Sloane's suddenly much more worried about if she smells as bad as she looks. Story by Casey Boykins. Produced and Directed by Suha Araj. Casting Director and Line Producer: AJ Nielsen. Audio Producer and Sound Designer: Sean Paulsen. Story Editor: Amarlie Foster. Director of Creative Production: Lucie Ledbetter. Starring: Kristen Sullivan, Imaeyen Ibanga, Andrew Spencer, Dennis Kleinman, Michael Orenstein. Follow @MeetCute on Instagram and @MeetCuteRomComs on Twitter & TikTok. Check out our other rom-coms, including KERRI with Pauline Chalamet, IMPERFECT MATCH with Arden Cho, and DUMP HIM! with Minnie Mills. Check out our other dramas, including FIRE & ICE with Chiara Aurelia and Jack Martin, and POWER TEN.  Check out our other fantasies, including A PROPHECY OF INCENSE AND SNOW and I'VE BECOME A TRUE VILLAINESS.  Have a crush on us? Follow Meet Cute, rate us 5 stars, and leave a review! Learn more about your ad choices. Visit podcastchoices.com/adchoices

This May, Meet Cute is serving up love, made to order: we're dishing out a second helping of Baby Girl — the slow-burn farm romance that stole hearts the first time around. Whether you're back for seconds or tasting it fresh, it's a love story worth savoring. Episodes drop Tuesdays and Fridays starting May 13th. Meet Cute Presents: Baby Girl - Part 1, where Sloane has had enough of being the muse of her ultra famous mother, artist Vivienne Bryant. Sloane flees to upstate New York to her estranged father's farm but, before she can arrive, she gets into a fight with the very hot manager of the one bar in town. Story by Casey Boykins. Produced and Directed by Suha Araj. Casting Director and Line Producer: AJ Nielsen. Audio Producer and Sound Designer: Sean Paulsen. Story Editor: Amarlie Foster. Director of Creative Production: Lucie Ledbetter. Starring: Kristen Sullivan, Imaeyen Ibanga, Andrew Spencer, Dennis Kleinman, Michael Orenstein, Rasha Zamamiri, Sean Paulsen. Follow @MeetCute on Instagram and @MeetCuteRomComs on Twitter & TikTok. Check out our other rom-coms, including KERRI with Pauline Chalamet, IMPERFECT MATCH with Arden Cho, and DUMP HIM! with Minnie Mills. Check out our other dramas, including FIRE & ICE with Chiara Aurelia and Jack Martin, and POWER TEN.  Check out our other fantasies, including A PROPHECY OF INCENSE AND SNOW and I'VE BECOME A TRUE VILLAINESS.  Have a crush on us? Follow Meet Cute, rate us 5 stars, and leave a review! Learn more about your ad choices. Visit podcastchoices.com/adchoices

This May, Meet Cute is serving up love, made to order: we're dishing out a second helping of Baby Girl — the slow-burn farm romance that stole hearts the first time around. Whether you're back for seconds or tasting it fresh, it's a love story worth savoring. Episodes drop Tuesdays and Fridays starting May 13th. Meet Cute Presents: Baby Girl. The daughter-slash-muse of a famous artist escapes her mother's latest impossible demand by fleeing upstate to the farm where she lived as a child. There, she reconnects with her estranged father, tries to save his ailing business, and catches the eye of a rugged cowboy. Story by Casey Boykins. Produced and Directed by Suha Araj. Casting Director and Line Producer: AJ Nielsen. Audio Producer and Sound Designer: Sean Paulsen. Story Editor: Amarlie Foster. Director of Creative Production: Lucie Ledbetter. Starring: Andrew Spencer, Kristen Sullivan, Imaeyen Ibanga, Dennis Kleinman, Michael Orenstein, Rasha Zamamiri, Sean Paulsen. Follow @MeetCute on Instagram and @MeetCuteRomComs on Twitter & TikTok. Check out our other rom-coms, including KERRI with Pauline Chalamet, IMPERFECT MATCH with Arden Cho, and DUMP HIM! with Minnie Mills. Check out our other dramas, including FIRE & ICE with Chiara Aurelia and Jack Martin, and POWER TEN.  Check out our other fantasies, including A PROPHECY OF INCENSE AND SNOW and I'VE BECOME A TRUE VILLAINESS.  Have a crush on us? Follow Meet Cute, rate us 5 stars, and leave a review! Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this listener requested episode, we take a look at how taxes impact you as an investor. Understanding the maths behind all of the variables for your total return means you're able to make better decisions. Tax is a big one.In this week's Unconventional wisdom column, Mark explores whether investor complacency is out of touch with reality. He looks at game theory and a prisoner's dilemma, and the lessons that investors can take from it, especially when it comes to the current market volatility. He looks like at where Trump - and the market, might go from here. Finding superior long-term investments as a stock picker requires you to find companies that defy the laws of capitalism. But how might you go about doing this? In the next edition of his Bookworm column, Joseph explores Marathon Asset Management's capital cycle approach to investing and how it can identify so-called “compounders”. Joseph also highlights a holding from his portfolio that he thinks fits the bill. Successful investing doesn't end as soon as you hit 'buy' in your trading account. Shani's Future Focus column looks at a methodical framework to monitor and maintain your portfolio, to increase your chances of achieving your financial goals. Easy access to technology means younger generations are more informed and confident in their investment decisions than ever. Furthermore, changes to the industry has led to structured financial advice increasingly becoming a luxury to access. In this week's Young & Invested, Sim explores whether financial advisers have any value proposition for young people. To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

We run through some of the main choices that investors face when going through the ETF selection. We toss up the options with international ETF choices, and point to a few factors that investors should look for when choosing between similar ETFs.You can find the full article here.Mark has written through the full process, including an ETF pick for income here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

We strongly believe that investors should know what they're investing in. Vanguard's 2 new ETFs, Vanguard Diversified All Growth Index ETF VDAL and Vanguard Diversified Income ETF VDIF are bound to interest investors as they are income and growth plays. We take a deep dive into both, and multi-asset offerings in general.You can read the full article here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

In a listener-requested episode, we look at the pros and cons of the US and Australian retirement systems.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

In a listener requested episode, we explore the trade offs that parents are making with private school. We look at the costs of Government, Catholic and Independent schools, and the impact that these costs can have on your financial outcomes. Although schooling is a personal preference and not a purely financial one, it is always important to understand the opportunity cost.You are able to find the full article here.You can find the travel fund episode here. To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

Hainsworth x LCF is an annual collaboration with heritage luxury fabric mill A W Hainsworth and the final year students of the BA Bespoke Tailoring Course. This podcast was recorded on 8.10.25 to reflect on last year's collaboration, before launching the new project for 2025, which for the first time also will include embroidery students. A closing conversation recorded on 19.3.25 summarizes the progress of the work across Bespoke Tailoring and Embroidery courses and students and looking forward to a showcase in July 2025. This episode features alumni from last year who were finalists in the competition, talking us through their experience of collaborating with A W Hainsworth to produce bespoke quality jacquards to create high quality, unique and luxury cloths for their final graduate collections presented in the summer of 2024. Content Created and Presented by Elaine Buchanan, Senior Lecturer, Creative Direction Group Guests: Alumni: Matilda Jonathon (Tilda), Anastasiia Inozemtceva, Jingyi Xhou Academic and Industry: Daniel Poulson, Course Leader, BA Bespoke Tailoring, Andrea Noble, Design and Product Development Manager, A W Hainsworth & Sons Ltd, Rob Lye, Audio Producer, Alex Marshall, Series Editor, Technical Coordinator: Online Content Production Further Links: London College of Fashion BA Bespoke Tailoring X Hainsworth 23/24 https://www.hainsworth.co.uk/london-college-of-fashion-bespoke-tailoring-x-hainsworth-2023-24-jacquard-weaving/ London College of Fashion BA Bespoke Tailoring X Hainsworth 23/24 https://www.hainsworth.co.uk/london-college-of-fashion-bespoke-tailoring-x-hainsworth-2023-24-jacquard-weaving/ London College of Fashion BA Bespoke Tailoring X Hainsworth 22/23 https://www.arts.ac.uk/colleges/london-college-of-fashion/stories/hainsworth-and-sons-collaborate-with-the-next-generation-of-lcf-tailors Fashion BA Bespoke Tailoring Instagram   @lcfbespoketailoring

We run through the Monte Carlo simulation and how you can use it to understand how asset allocation and other variables in your portfolio will determine the longevity of your retirement portfolio. You can use these outcomes to improve your retirement outcomes.You can find the Monte Carlo simulator here.You can read Mark's full article here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

Some investors don't think that they have any goals to work towards, so they are unable to add proper structures and frameworks to their investment portfolios. This episode goes through a framework to dig deeper for your financial goals by exploring what you want from life, and therefore your finances.You are able to find the full article here.As cost of living increases and careers become more demanding, many younger people are also turning to income investing to derive a passive income. As more Aussies move towards this style of investing, we must understand what the opportunity cost is. Mark's Unconventional Wisdom column explores the opportunity cost of being an income investor. In Shani's Future Focus column, she looks at the insights for investors from a man responsible for $16 trillion. Salim Ramji is the new captain at the helm of Vanguard. His recent visit to Australia included a conversation with Johnathan Shapiro which revealed insights into how Salim sees the world, and how investors can apply those insights to how they invest. A study found that younger generations were disengaged when it came to their superannuation – and this isn't surprising. It's hard for young people to be excited at the prospect of retirement. But the reality is, failing to review your super is like cutting a hole in your wallet and walking around as the money falls out. This week Sim explores how your level of engagement with superannuation can have a significant impact on your retirement outcomes. Every big decision in life has trade offs. This can make it hard to make a decision in the first place and, perhaps even worse, lead to regrets seeping in later. In this week's Bookworm, Joseph explores a simple three-step method for tackling life's big choices with confidence. From deciding between two jobs to choosing whether to rent or buy. To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

We look at the ETFs that would go into a 3 ETF portfolio, using Morningstar's Manager Research Medalist ratings. In this week's Unconventional Wisdom column, Mark runs through what he should do about a position in his portfolio that has grown too large. He is reluctant to sell shares, especially due to the tax consequences, but it also aware of the dangers of having a large concentration in one share that violates his investment policy statement. Shani recently wrote an article on why she includes managed funds in her portfolio. She received many questions about whether it was the right choice. Her Future Focus column this week comes out in defence of her decision, and why it's important that investors consider their own situation when choosing investment products. Benjamin Graham is widely revered as the dean of value investing and the master of flipping stocks that traded below their asset value. Despite this, Graham's best ever investment actually stemmed from a very different approach. In this week's edition of Bookworm, Joseph finds buy and hold inspiration from this most unlikely of sources. In Sim's day to day, she often gets asked for investment advice when she least expects. Whether it's about shares at the dinner table or Bitcoin at a doctor's appointment. Recently this turned into a request from her younger sister to invest her savings in the market as I see fit. In Sim's latest column, she discusses how she constructed her sister's portfolio amidst the added pressure of giving financial advice to family. To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

This episode focuses on tarriffs - how investors should think about them, how they should position their portfolios, and the types of companies that will continue to prosper.Industry super funds have turned to private assets to invest the retirement savings of millions of Australians. In this week's Unconventional Wisdom column, Mark explores whether they live up to the hype. The proposed $3 million super cap was originally seen as a tax for the wealthy. With no adjustment for inflation, with time it will impact more and more Australians. Shani's Future Focus column looks at whether investors should stop contributing to their super, and the ways in which they can approach the problem. Warren Buffett often cites Phil Fisher as one of his biggest investing influences. In this week's Bookworm, Joseph explores one of Fisher's essential criteria for a long-term holding. As Joseph shows, this 'X factor' can be the difference between owning a company that fizzles out after an initial success and one that continues to thrive for many years. Australia's obsession with homeownership is constantly increasing, as first home buyers rush to get on the ladder. Last week, Sim explored whether you should save for a deposit or invest in shares. It appears that amongst the shares vs housing debate, there emerges a third, enigmatic wildcard that is ‘Rent-vesting'.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

Sometimes an actor goes through all of the training and all of the courses and pays all their dues and does very well and enjoys the education and the process and then comes out of all of that, were talking year now… steps out into the bright lights of the industry with all it's mechanisms and all of it's professional trappings… takes a long look around and then say, meh. You know what, I don't think this is for me. I don't LOVE it. And today Jay Reum and Todd Kramer talk to just such an actor. His name is Rob Cairns. But don't worry about good old Rob. He's landed on his feet. In fact Rob and I recently completed an audiobook together as he has now become an audiobook producer and works with voice artists to produce showreels with his Voice Reel London service.

Mark goes through why the conventional wisdom is to reinvest dividends, but despite this, why he has stopped.This week, Mark's Unconventional Wisdom column takes a deep dive into the Yale model. He looks at whether Industry superfunds are following the wrong investment strategy, as there are signs that it may not work as well in the future as it has in the past. For International Women's Day, Shani's Future Focus column looks at how women have been able to find financial security regardless of vigorous societal opposition, looking at examples from different cultures around the world. She leans into new research from Morningstar's Behavioural Research team to provide evidence based insights on how to increase your financial security by focusing on strengthening your foundations. Australians are often told that the only way to achieve wealth is through the property market. This week Sim explores the question many young people are grappling with amid sky rocketing house prices, should you invest in shares or save for a house deposit? A company's moat and the returns on capital it is able to generate for shareholders are not static. Over time they can get better or they can get worse, for reasons in and outside of a company's control. In this week's Bookworm, Joseph looks at two Aussie companies that may be scoring what Pat Dorsey sees as a classic own goal when it comes to capital allocation.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

In a listener requested episode, Shani goes through why she uses managed funds and how she chose to use the investment product for the problems that it solves for her.Mark's Unconventional Wisdom column takes readers on a trip to Monte Carlo this week. He looks at the levers that investors can pull to have a more secure retirement, reducing uncertainty for investors. Shani's Future Focus column explores the trade offs that parents are making with private school. In an Investing Compass listener requested column, Shani explores the costs of Government, Catholic and Independent schools, and the impact that these costs can have on your financial outcomes. The concept of economic moats is central to how our analysts weigh up companies. In this week's Bookworm, Joseph taps a classic investing article on the idea of "legacy" versus "reinvestment" moats. As it turns out, the differences could explain why some companies are able to compound in value far faster than others.Australia is undoubtedly in a housing crisis with young, prospective homeowners feeling betrayed by our governments. This frustration can be attributed to appalling public policy failures that have proliferated demand in an already overpriced housing market. This week Sim explores the issue of housing affordability by looking at proposed solutions and their implications. To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

This episode explores what to do when you receive an inheritance, and the options that you have when you invest. We consider paying off a mortgage and investing in and out of superannuation.Other episodes where we speak about inheritances include: Your options when you inherit a houseHow to incorporate an expected inheritance into a financial planThe documents you need to protect your assetsMark's Unconventional Wisdom column looks at a study showing investors that own passive products get lower returns. He looks at why this is the case and how investors can maximise their outcomes. In a reader requested edition of Bookworm, Joseph explored a simple stock valuation method that features in one of his favourite investing books. By putting the formula to work on an ASX company with household name brands, Joseph was reminded that even the simplest valuation tools are in fact highly complex. Many young investors find purchasing a home out of reach. They find that they are struggling with cost of living and have minimal amounts to contribute towards their investments. Shani's Future Focus runs through a framework that looks at different aspects of your life where you can still set financial goals to help your future self. As the days pass, young Aussies are straying further from being able to buy their own home. Amidst election noise, consistent house price rises and slowing wage growth - it appears there is no end in sight for Australia's housing crisis. Sim's column explores whether millennials can afford to buy a home and what salary they would need to achieve this goal. To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

We speak about the positives and perils of diversification in your portfolio, and how to find a balance. This week in Mark's Unconventional Wisdom column he challenges the traditional classifications of income and growth stocks. He runs through his focus on dividend growth, rather than just focusing solely on yield. Mark runs through a controversial income pick that he believes offers significant potential for future dividend growth. Core/Satellite is an investment strategy that many financial advisers use for their clients. Shani looks at whether this is something that individual investors should adopt, and whether she has adopted it for her own portfolio. In the latest installment of his Bookworm column, Joseph uses David Dreman's concept of "trigger events" to explain Nvidia's recent market fall. He also earmarks two ASX stocks that appear to lie on opposite sides of this famous contrarian investor's radar. With the proliferation of financial advice available through the media, individuals are often faced with an overwhelming number of investment options. As someone who works in the finance industry with an abundance of research at her disposal, Sim also experiences this paradox of choice. Despite this, her column explores why she chooses not to invest in individual stocks anymore and why this method aligns with her goals. Interested in our investing course? Find it here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

Insurance is a necessary evil of a holistic financial plan. Some investors avoid enroling or reviewing their insurances.as it's a tedious task that provides no immediate benefit. It however, provides peace of mind and protection at some of the most vulnerable times of your life. It's important to optimise your insurance to make sure you are adequately covered, but also that you are minimising the costs. We go through the best ways to protect yourself.You can view the full article here.Mark's Unconventional Wisdom column focuses on AI this week. He explores why he's not intentionally investing in the AI trend, and why it may not live up to the expectations that investors may have. When it comes to buying individual shares, investors should seek to avoid big losers every bit as much as they vaunt potential winners. Joseph explores Pat Dorsey's "ten minute test" for cutting lower quality companies from consideration quickly. Does the familiar ASX name he puts under the microscope get pass marks? Find out in Joseph's Bookworm column. An Investing Compass listener has asked a question about why Shani invests in managed funds. Shani shows how she's based her investing strategy, and therefore her investing products, around what suits her goals and behaviour the best. Find out what Shani likes about managed funds in her Future Focus column.Ongoing cost of living pressures continue to weigh down on young Aussies trying to fulfil the Australian dream. This raises an important question about the financial viability of raising the next generation. Whilst the crippling price of homeownership is no secret, the cost of having a child is perhaps a lesser discussed issue. With birth rates on the decline, Sim explores whether the average millennial can afford to have children in the current economic climate.Interested in our investing course? Find it here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

In this episode, we look at the places where our system is failing some Aussies as it relates to super tax policy. We offer some guidance about what they can do until the system catches up.Find our weekly wrap below:Resilience can't compete with the popular portrayal of successful investors who stare down risk and are rewarded with mountains of cash. What is lost in this inaccurate portrayal is the impact of randomness on results.Mark's Unconventional Wisdom column goes through how to build resilience into portfolios and why it is important for investors.Shani's Future Focus column outlines the reasons why she doesn't hold cash. It ties in with reducing complexity in her portfolio, but she also runs through volatility, tactical allocations and inflation.As well as being a successful writer, Richard Koch is known for turning an early stage investment in Betfair into a nine-figure amount. In the latest edition of Bookworm, Joseph sees if Koch's Star Principle for investors, employees and entrepreneurs can be applied to finding promising companies in the stock market. As we head into the federal election this year, the rising cost of education and levels of student debt form a key battleground topic for voters. a sinking number of domestic enrolments indicate individuals are thinking twice before jumping into the higher education system, which begs the question - is university still worth it?Interested in our investing course? Find it here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here. Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

We go through a list of the assets that Mark doesn't hold. We get asked constantly about what's in our portfolio, but sometimes we find it even more insightful to explore what is deliberately excluded. You're able to find the full version of Mark's article here. How a huge ASX winner upset the odds: Many of the stock market's biggest winners come from companies that manage to dominate an important emerging industry. Australia's Car Group is one such company, yet its ascent was anything but likely. In the latest edition of his Bookworm column, Joseph taps Hamilton Helmer's 7 Powers framework to understand how Car upset the odds. The introduction of low-cost SMSF administrators means more and more investors are finding the control and freedom that self-managed super funds offer attractive. In her Future Focus weekly column, Shani looks at why an SMSF is not the right option for her now, and what would need to change for her to consider one. What happens to your super when you pass away sooner than expected? No one contributes to their super thinking about the implications for their children's ultimate battle with the ATO. This week, Sim explores the superannuation inheritance tax that children face upon the death of their parents. She examines three strategies to lighten the load of the inevitable tax bill.Interested in our investing course? Find it here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here. Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

This episode is based on an email that we received from a listener who has a specific allocation in their portfolio to taking speculative bets. The rationale was that it helped control their behaviour by allowing them a designated allocation, while the rest of the portfolio remained untouched. We explore whether a strategy like this, called 'Mad Money', can work for investors.Interested in our investing course? Find it here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here. Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

We go through the characteristics of what a perfect ETF would look like.Interested in our investing course? Find it here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here. Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

Audio Producer, Writer, Presenter and Gender + Sexuality Academic, Anouszka Tate gets into why reaching her career goals at 26 left her feeling like she was at a dead end (and she's never set goals for herself since), becoming comfortable with her masculine side and celebrating being in her 30's, unmarried and child free. Raj has mad issues with the term "settle down" and is not here for Allure trying to coin the term "Old Lady Energy" as an older woman equivalent of BDE to describe the rise of older actresses who recently won and were nominated for Golden Globes. Ahhhh shit - here we go again!Send your tattoo artist recommends to: almost40thepodcast@gmail.comFollow @almost40pod @_rajpander @anouszkatateArtist Of Life: https://shop.lavendaire.com/products/2025-artist-of-life-workbook?srsltid=AfmBOop5eWHlTbPVNFvg_Sp5aMeBlOqwlgagedyFLQXksC1xxmoiJUNNxoxo Hosted on Acast. See acast.com/privacy for more information.

We take a deep dive into dividend ETFs and how investors can pick one that suits them by running through 4 dividend ETF examples.Interested in our investing course? Find it here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here. Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

This episode was one of our most popular of 2024. We go through what's needed to get to $100k in passive income. Interested in our investing course? Find it here. To submit any questions or feedback, please emailmark.lamonica1@morningstar.com or leave us a voicemail to feature on thepodcast here. Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

This episode was one of our most popular of 2024. Our guest James Gruber discusses how to build a lazy portfolio with 3 ETFs, and the issues that you come across when you do this. James Gruber is the Assistant Editor of Firstlinks. Prior to that, he covered Asia as a leading fund manager, stockbroking analyst and journalist. More recently, he was a portfolio manager for Asian equities at AMP Capital, managing Asia and China. During his time there, the China fund was ranked number one globally over one and two years. He was also a television and radio news journalist at ABC and founded Asia confidential in 2012. Interested in our investing course? Find it here. To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here. Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

Mark and Shani exchange Christmas gifts, and discuss a stock pick and a few book recommendations from Mark. If you'd like to get Mark and Shani a Christmas gift, a podcast review on your podcast app would be the best gift you can give. Thank you for your support in 2024 and we hope you have a safe and happy holiday period.You're able to find the video here or on Morningstar Australia's YouTube channel.Interested in our investing course? Find it here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

In-person at the Nic Bittle Studio in Corn, Oklahoma and all the way from Sioux Falls, South Dakota, is Patrick McGowan. Patrick is Nic's audio producer for the Life & Leadership Podcast. They cover a range of topics including why it's important to show up on video like you care and how the goal of all communication is to connect with another human. Patrick McGowan is the owner of Punchn Communications, an advisory firm committed to empowering more human connection. He is a leading expert on transforming people and teams through the way they talk.He started Punchn in 2020 because he looked like a potato on camera—and has since helped dozens of professionals achieve more clarity and confidence across the lens. He is a teacher, facilitator, and student of how to communicate with power, presence, and credibility.Patrick works with leaders who want to grow their influence and professionals who want to expand their reach. In a world full of noise and distraction, it's critical the way one communicates is clear, confident, and compelling.After a 25+ year career leading healthcare innovation, managing a manufacturing startup, and even serving as a pastor of a church (to name a few), he has the experience, tools, frameworks, and understanding for how changing the way we talk can change the way we work.People choose to work with Patrick because of his probing questions, how he colors outside the lines (always has, according to his big sister), and his calm confidence. His customers report that he makes them look good: giving them more confidence, more energy, and more impact. He produces podcasts for professionals who have a message that deserves to reach more people.You can connect with Patrick at patrick@punchn.io for communications training, team facilitation, video or audio production, and leadership coaching.---

We explore yield at cost - a metric that can improve your results as an income investor.You can find the full article here.Interested in our investing course? Find it here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

A recent Vanguard survey showed that the best way for investors to take action with their super is to show them the actual difference it would make to their retirement outcomes. We run you through the steps that you can go through using a free, Moneysmart tool to model your own circumstances. You can find the tool here, or search for 'Moneysmart Retirement Planner'.Find the full article here.Interested in our investing course? Find it here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

An approach for investors that have just a few dollars to invest. Interested in our investing course? Find it here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

This listener requested episode runs through how to pick a super option.Interested in our investing course? Find it here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

A look into Power-of-Attorney and related documents to protect yourself and your assets, and why they're important.You can find the full article here. Interested in our investing course? Find it here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

Three high-quality growth companies that have wide moats and a history of good capital allocation.Interested in our investing course? Find it here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

Retirement aside, travel is the most common goal for many investors. We look at the best way to build a portfolio of passive income, that can be applied to any goal that requires a regular and sustainable income. Interested in our investing course? Find it here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

On this listener requested episode, we discuss the phasing out of hybrids and the way that investors can replace them in their investment portfolios.Interested in our investing course? Find it here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

Are you part of the sandwich generation? We talk about how to prevent financial stress when caring responsibilities arise from children and parents. You can find the full article here.Interested in our investing course? Find it here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton.Hosted on Acast. See acast.com/privacy for more information. Hosted on Acast. See acast.com/privacy for more information.

More than 50% of wills are contested. Here's how to increase the possibility your wishes are honoured.You can find the full article here.Interested in our investing course? Find it here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton.Hosted on Acast. See acast.com/privacy for more information. Hosted on Acast. See acast.com/privacy for more information.

This multi-asset option is an all in one ETF. But investors may have negative tax consequences. You can find the full article hereClick the following link for the 5-in-5 With ANZ podcast: https://link.chtbl.com/YEE71vpxInterested in our investing course? Find it here. To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

Born in Harlem in 1934 to a family of Caribbean immigrants, Audre Lorde grew up to become a Black feminist icon and celebrated American poet, writer, and activist. Best known for her works exploring her own multifaceted identity, Lorde both struggled with and embraced the differences that made her unique—and the ones that drew her to others. A poet and self-described “warrior,” Lorde created a space for herself in America by writing about her personal experiences and advocating for freedom for people of color, the LGBTQ community, women, and oppressed communities around the globe. [This episode originally aired in August, 2021.] About the Narrator Camille Stennis is an audio editor, music composer and sound designer based out of Los Angeles, CA. She has a BFA in Music Production & Sound Design for Visual Media from the Academy of Art University, and has also interned at companies such as Jingle Punks, Unified Films, and was previously the Head of Production at Jam Street Media supporting various creative productions in podcasting, music publishing and audio visuals. She worked as an Audio Producer and Sound Designer for Rebel Girls. Camille is also a member of the LGBTQ+ community, living happily with her wife and dogs. Credits This podcast is a production of Rebel Girls and is based on the book series Good Night Stories for Rebel Girls. This episode was produced by Camille Stennis. Sound design and mixing by Mumble Media. This episode was written by Alexis Stratton and fact checked by Joe Rhatigan. Executive Producer was Katie Sprenger. Haley Dapkus was our production manager. Original theme music was composed and performed by Elettra Bargiacchi.   A big thanks to the whole Rebel Girls team who make this show possible! For more, visit rebelgirls.com. And if you like what you heard, don't forget to rate and review this episode, and share it with your friends! Until next time, stay REBEL!