Get Started Investing

Once you buy a house, where should your next dollar go?

Should you build your offset account? Pay down your mortgage faster? Or keep investing?

In this episode, financial adviser Sam Hunt from Shadforth joins Jess to unpack one of the biggest financial questions homeowners face. Using Jess's own situation as a real-life case study, they explore the decisions she's now facing after buying her first property.

Jess and her partner recently purchased the home together, using equity from the sale of his previous property, and now share a 50/50 mortgage. It's Jess's first time owning a home, and together they're working through how to make the most of every spare dollar.

Along the way, Sam explains how offset accounts really work, how much cash homeowners should keep on hand, and how financial advisers help clients decide between investing and paying down debt.

Whether you've just bought your first home, you're thinking about buying, or you've had a mortgage for years, this episode will help you feel more confident about where your next dollar should go.

Chapters:
00:00:00 Should You Invest Or Pay Off Your Mortgage?
00:02:00 Jess’s New Financial Game Plan
00:05:30 Why An Offset Account Can Beat Savings
00:10:00 Invest Or Attack The Mortgage?
00:15:55 Paying Down Your Home Loan First
00:19:57 The Case For Keeping Your Investments
00:22:06 Why Your Strategy Should Keep Changing
00:24:18 Finding The Right Balance For You
00:28:35 Interest Rates, Refinancing And Next Steps

If you’d like to get in touch with Sam to discuss your own situation, you can do so here.

Links mentioned in this episode:
📩 Sign up to the Get Started Investing newsletter here
📩 Share your investing story with us submit here
🎟️ FinFest tickets - Buy early bird tickets here

You can follow Jess’s journey further with regular updates 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.

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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.

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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.
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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.

Most Aussies know Hayden from MasterChef. But away from the cameras, he's gone from growing up with a fear of debt to building businesses, backing founders and investing in property.

In this episode, Hayden joins Jess to share how that transformation happened—from working at Woolworths as a teenager to discovering investing later than he wishes he had. He also explains why he's already started an ETF portfolio for his five-week-old daughter, Rosie, determined to give her the investing head start he never had.

Talk about getting started early... time in the market, right? 😉

This is 'How I Got Started' a series on Get Started Investing. Every Thursday 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:
00:00:00 From MasterChef To Million-Dollar Businesses
00:04:00 Why Hard Work Shaped His Money Mindset
00:09:02 Building A Business From Scratch
00:11:30 Backing Hard Fizz Before It Took Off
00:15:00 The Reality Of Investing In Businesses
00:19:00 Overcoming The Fear Of Property Investing
00:20:07 Investing For His Newborn Daughter
00:27:01 Why ETFs Are Not His Main Strategy
00:29:22 Building Wealth Without Chasing Retirement

Links mentioned in this episode:
📩 Sign up to the Get Started Investing newsletter here
📩 Share your investing story with us submit here
🎟️ FinFest tickets - Buy early bird tickets here
For more regular updates from Jess’ investing journey, follow along 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.
———
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.

Everyone says they want to invest in AI... but what should you actually buy?

Do you buy Nvidia? An AI ETF? The Nasdaq? Or are you already getting AI exposure through the investments you own?

After hearing about AI infrastructure and wondering whether she'd missed the semiconductor boom, Jess found herself asking the same question many beginner investors face: where do you even start?

This week, Jess is joined by Owen Raszkiewicz, Financial Adviser at Rask and host of The Australian Finance Podcast, to unpack the different ways investors can get exposure to AI, helping you understand what you're really buying and how to choose the approach that's right for you.

Plus, Owen answers a community question from Liam about adding AI exposure to a satellite portfolio.

For more regular updates on Jess' journey, you can follow her on instagram at getstartedinvesting_

Chapters:
00:00:00 Where Should You Invest In AI?
00:02:30 You Already Own More AI Than You Think
00:09:22 Picking Your AI Bet Without Guessing
00:16:00 The Hidden Winners Behind AI Growth
00:21:28 Why Software Beats Hardware Over Time
00:27:27 How To Build An AI Portfolio That Lasts

Links mentioned in this episode:

📩 Sign up to the Get Started Investing newsletter here
📩 Share your investing story with us submit 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.

———

MLC knows your super 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.

At 18 years old, in the middle of the pandemic, today’s guest gave herself 4 years to complete the following:

Save 150K
Graduate with two bachelors degrees
Buy an investment property
Build a share portfolio
Secure a remote job

Spoiler - she actually did it and has the portfolio to prove it.

Today Jess learns how she got there and where she hopes investing will take her next.

This is 'How I Got Started' a series on Get Started Investing. Every Thursday 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:
00:00:00 She Set Five Life Changing Goals
00:03:21 The Moment Everything Changed
00:05:34 Turning Lockdown Into Opportunity
00:08:30 The Frugal Habits That Built $150K
00:11:31 From Risky Stock Picks To Smart ETFs
00:17:00 The Million Dollar Investing Plan

Links mentioned in this episode:
📩 Sign up to the Get Started Investing newsletter here
📩 Share your investing story with us submit 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.

———

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.

To gear, or not to gear- that is the question...

Geared ETFs have had a bit of a moment in the past few years. Plenty of popular ETFs such as NDQ, A200 and DHHF now have “geared” versions.

But what does that mean? How do geared ETFs work? And if their long term performance is expected to be better- should you be buying them instead?

Today Cam Gleeson, Senior Investment Strategist at Betashares, joins Jess to answer community member John’s question; how he should invest in the geared version of ETFs he already owns?

Plus Jess walks though her portfolio and get’s Cam’s take on switching to G200 from A200 and GGBL from BGBL.

Chapters:
00:00:00 Why Borrow To Buy Shares
00:02:03 What Gearing Is And Why Investors Use It
00:06:06 Inside A Geared ETF
00:08:30 Should You Switch Or Own Both
00:11:23 Can You Time The Market
00:12:30 Core And Satellite Strategies
00:15:35 How Geared ETFs Work Behind The Scenes
00:18:30 Costs Interest Rates And Fees
00:21:30 What Happens In Bull And Bear Markets
00:25:01 Should Beginners Use Gearing
00:27:43 Cam's Rules For Using Gearing

Links mentioned in this episode:
📩 Sign up to the Get Started Investing newsletter here
📩 Share your investing story with us submit 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.

———

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.