Get Started Investing

Jess recently got paid real money from her ETFs for the first time.

(a whole 30 bucks, watch out- don’t spend it all at once!)

It made her wonder- could payments from investments eventually replace her salary?

She sat down with Dave Gow from Strong Money to learn everything you need to know about dividends.

Chapters:
00:00 Introduction to Dividends
03:07 Income vs Growth
07:01 How Dividends Work
10:34 ETF Distributions and Reinvesting
13:30 Balancing Income and Growth
16:41 Planning Your Retirement Income
19:08 Dividend Yields and Risks
23:40 Managing Dividend Cuts
28:31 Choosing Dividend Investments
32:39 Dividends vs Savings Accounts

If you'd like to learn more about Dave's journey and teachings - you can find his website here. He's also written a book about how to gain financial independence create a life of freedom which has sold over 40,000 copies! Find that here.

Links mentioned in this episode:
Calculator mentioned by Dave: Portfolio with Dividends Reinvested vs not
📩 Sign up to the Get Started Investing newsletter here
📩 Share your investing story with us submit here
🤳 Follow Jess’ investing journey on instagram at getstartedinvesting_
Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.

———
Thanks to MLC for sponsoring this series and helping keep our content free.

If you’re the type of person who spends weekends comparing ETF’s, keeps an eye on crypto, and never misses an episode of Equity Mates, here’s one investment you may be overlooking – your super.
MLC knows it might not seem as exciting as picking your next investment, but thanks to tax advantages and decades of compound growth, it could end up being one of the hardest working investments you own. See how your super could be working harder with MLC at mlc.com.au

Disclaimer: Products issued by NULIS Nominees (Australia) Ltd as trustee of MLC Super Fund. General information only. Read the PDS & TMD available at mlc.com.au and consider if it’s right for you.

———

In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.

———

Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes only. Any advice is general advice, and has not taken into account your personal financial circumstances. Before acting on general advice, you should consider if it is relevant to your needs. If you are unsure, please speak to a financial professional. The hosts of this podcast and their guests may have positions in the companies mentioned. Equity Mates Media is part of the Betashares group but maintains editorial independence.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.

Josh spent his early 20s racking up consumer debt. Holidays, nights out and a car he couldn't afford.

With his 30s approaching, he decided it was time to turn himself from a debt collecting spender, to an investor.

Today at 32 years old he is debt free, investing regularly and his portfolio just ticked over six figures. He joined Jess to share the steps he took to get from there to and now.

This is ‘How I Got Started’ a series where Jess sits down with a community member to hear the highs and lows of their journey to investing. These are real stories that we hope will give you confidence that investing is for anyone.

Chapters:
00:00 From Debt to Investing
03:37 Early Money Habits
07:40 Paying Off Debt
10:05 The Financial Wake Up Call
12:06 Learning to Invest
14:05 Building His Portfolio
17:54 Inside His Six Figure Portfolio
22:00 His Investing Strategy
25:00 Lessons and Advice

Links mentioned:
Josh’s book recommendation: I will teach you to be rich by Ramit Sethi

Other Links:
🤳 follow along on Jess’ investing journey on Instagram @getstartedinvesting_.
📩 Share your investing story with us submit here
📩 Sign up to the Get Started Investing newsletter here
Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.
———

Thanks to Ubank for sponsoring this series.

Ubank is a digital bank designed to help you understand your money, with tools that can help you do better day-to-day.

You can download Ubank from the App Store or Play Store and sign up in just a few minutes.
Products issued by Ubank, which is part of NAB. This info is general so consider what’ right for you. For TMDs, visit ubank.com.au

———
Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes only. Any advice is general advice, and has not taken into account your personal financial circumstances. Before acting on general advice, you should consider if it is relevant to your needs. If you are unsure, please speak to a financial professional. The hosts of this podcast and their guests may have positions in the companies mentioned. Equity Mates Media is part of the Betashares group but maintains editorial independence.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.

How do you know when it's time to change your strategy?

At just 21, listener Ben is already asking when he should prepare his portfolio for retirement. He's invested entirely in a geared ETF and wants to know what that means for his future.

It's something Jess hasn't really considered either. She's investing for the long term, but what should that actually look like as life changes? Jess sits down with financial adviser Melissa Balacharige from Shadforth to explore how your investment strategy might evolve through your 20s, 30s, 40s, 50s and into retirement.

They unpack when to start de-risking, how your portfolio might change as your goals and time frame shift, and whether the 4% rule still works if you're invested in leveraged ETFs.

Plus, why getting too defensive too early could be one of the biggest mistakes you make.

Chapters:
00:00 Introduction
03:10 The Four Percent Rule
07:14 Investing in Your 20s and 30s
12:24 Diversifying in Your 40s
17:30 Managing Retirement Risk
21:21 Staying Disciplined
26:31 Preparing for Retirement
30:34 Leveraged ETFs and Key Takeaways

Links mentioned in this episode:

Find Shadforth's investing playbook here

❓ Send your investing questions here and Jess will get them answered!
📩 Sign up to the Get Started Investing newsletter here
📩 Share your investing story with us submit here
🤳 Follow Jess’ investing journey on instagram at getstartedinvesting_
Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.

———

Thanks to MLC for sponsoring this series and helping keep our content free.

If you’re the type of person who spends weekends comparing ETF’s, keeps an eye on crypto, and never misses an episode of Equity Mates, here’s one investment you may be overlooking – your super.

MLC knows it might not seem as exciting as picking your next investment, but thanks to tax advantages and decades of compound growth, it could end up being one of the hardest working investments you own. See how your super could be working harder with MLC at mlc.com.au

Disclaimer: Products issued by NULIS Nominees (Australia) Ltd as trustee of MLC Super Fund. General information only. Read the PDS & TMD available at mlc.com.au and consider if it’s right for you.

———

In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.

———

Get Started Investing is a product of Equity Mates Media.

This podcast is intended for education and entertainment purposes only. Any advice is general advice, and has not taken into account your personal financial circumstances. Before acting on general advice, you should consider if it is relevant to your needs. If you are unsure, please speak to a financial professional.

The hosts of this podcast and their guests may have positions in the companies mentioned. Equity Mates Media is part of the Betashares group but maintains editorial independence.

Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.

It’s not everyday Jess meets someone whose first investment was a cow.

But for 42-year-old dairy farmer Justin, that was the case. Bought with the profits of selling manure by the side of the road might we add! 😆

It’s no secret that farming is a tough, often volatile profession. Justin watched his parents financial life revolve solely around their farm. So when he discovered investing, he saw it as a way to build a life less dependent on the weather.

Now, he’s teaching his 14 year old daughter the power of investing too.

This is ‘How I Got Started’ a series where I sit down with a community member to hear the highs and lows of their journey to investing. These are real stories that we hope will give you confidence that investing is for anyone.

Chapters:
00:00:00 Meet Justin
00:03:00 Wealth Beyond Farming
00:07:46 Early Money Lessons
00:11:08 Learning From Dad
00:15:27 His Investing Turning Point
00:19:47 Building His Portfolio
00:23:35 Teaching His Daughter
00:26:23 Freedom Beyond Farming
00:29:00 Investing With Irregular Income
00:31:30 Advice for Beginners

Links Mentioned:
Get Started Investing book - Buy here
How many ETFs episode should you have? here
Other Links:
🤳 follow along on Jess’ investing journey on Instagram @getstartedinvesting_.
📩 Share your investing story with us submit here
📩 Sign up to the Get Started Investing newsletter here
🎟️ FinFest tickets - Buy early bird tickets here
Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.
———

Thanks to Ubank for sponsoring this series.

Ubank is a digital bank designed to help you understand your money, with tools that can help you do better day-to-day.

You can download Ubank from the App Store or Play Store and sign up in just a few minutes.

Products issued by Ubank, which is part of NAB. This info is general so consider what’ right for you. For TMDs, visit ubank.com.au

———
Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes only. Any advice is general advice, and has not taken into account your personal financial circumstances. Before acting on general advice, you should consider if it is relevant to your needs. If you are unsure, please speak to a financial professional. The hosts of this podcast and their guests may have positions in the companies mentioned. Equity Mates Media is part of the Betashares group but maintains editorial independence.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.

Should Jess add an active manager to her passive portfolio?

After logging into her super and noticing that a portion is actively managed- it got her thinking, should she add active management outside of super too?

And she’s not the only one wondering, the equity mates facebook group had a lot to say on the matter!

Actively managed fund are now more accessible than ever- out of the 50 new ETFs listed on the ASX last financial year, 28 of them were active.

But what actually is an active ETF and How does it compare to a passive one?

Jess sat down with financial adviser Amie Baker to find out how active fits into a passive portfolio like Jess’.

Chapters:
00:00:00 Active vs Passive Investing
00:03:24 How Passive ETFs Work
0:05:27 How Active Funds Work
00:09:29 What the Research Says
00:12:54 Diversifying Your Portfolio
00:17:33 Choosing Active Investments
00:21:00 Small Caps and Fund Performance
00:24:06 Building a Balanced Portfolio

Links mentioned in this episode:

Learn more about Amie's take on passive and active investing in an article she has put together here.
Episode with Dave Allen talking about red flag system here
Morningstar Active Passive Barometer here

📩 Sign up to the Get Started Investing newsletter here
📩 Share your investing story with us submit here
🤳 Follow Jess’ investing journey on instagram at getstartedinvesting_
Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.

———

Thanks to MLC for sponsoring this series and helping keep our content free.
If you’re the type of person who spends weekends comparing ETF’s, keeps an eye on crypto, and never misses an episode of Equity Mates, here’s one investment you may be overlooking – your super.
MLC knows it might not seem as exciting as picking your next investment, but thanks to tax advantages and decades of compound growth, it could end up being one of the hardest working investments you own. See how your super could be working harder with MLC at mlc.com.au
Disclaimer: Products issued by NULIS Nominees (Australia) Ltd as trustee of MLC Super Fund. General information only. Read the PDS & TMD available at mlc.com.au and consider if it’s right for you.

———

In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.

———
Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes only. Any advice is general advice, and has not taken into account your personal financial circumstances. Before acting on general advice, you should consider if it is relevant to your needs. If you are unsure, please speak to a financial professional. The hosts of this podcast and their guests may have positions in the companies mentioned. Equity Mates Media is part of the Betashares group but maintains editorial independence.
Equity Mates Media operates under Australian Financial Services Licence 540697.
Hosted on Acast. See acast.com/privacy for more information.