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6 days ago · Video

How this 24 year old turned a four year plan into $162,000

At 18 years old, in the middle of the pandemic, today’s guest gave herself 4 years to complete the following: Save 150KGraduate with two bachelors degreesBuy an investment propertyBuild a share portfolioSecure 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.
2 days ago · Video

Emerging Middle Class: 300,000 New Consumers Every Day | The Decade Ahead

The global middle class has surpassed 4.4 billion people and now accounts for more than two-thirds of global consumer spending. Over the next decade, the centre of gravity of economic growth is expected to shift towards India, Southeast Asia and Latin America as hundreds of millions more people emerge into the middle class. In this episode, Bryce and Ren unpack the structural forces behind this shift, the industries set to benefit, the risks investors should watch, and the companies and ETFs offering exposure to one of the decade's biggest investment themes. In this episode: 00:00 Why the emerging middle class matters now 01:38 How the global middle class is defined 03:34 India: The next engine of middle class growth 06:28 Southeast Asia's economic transformation 10:30 Latin America's opportunity and challenges 12:18 Where the money will be spent 18:54 The biggest risks to the theme 23:55 Companies to watch across emerging markets 35:43 ETFs and final investment takeaways Stocks & ETFs Mentioned: Mastercard (NYSE: MA), Visa (NYSE: V), Reliance Industries (NSE: RELIANCE), HDFC Bank (NYSE: HDB), Grab Holdings (NASDAQ: GRAB), Sea Limited (NYSE: SE), Mercado Libre (NASDAQ: MELI), Nu Holdings (NYSE: NU), Unilever (LSE: ULVR), Nestlé (SWX: NESN), Procter & Gamble (NYSE: PG), Colgate-Palmolive (NYSE: CL), Diageo (LSE: DGE), Standard Chartered (LSE: STAN), Tencent (HKEX: 0700), Samsung Electronics (KRX: 005930), SK Hynix (KRX: 000660), Taiwan Semiconductor Manufacturing Company (NYSE: TSM), Vale (NYSE: VALE), Petrobras (NYSE: PBR), Betashares Asia Technology Tigers ETF (ASX: ASIA), Betashares Emerging Markets ETF (ASX: BEMG), Vanguard FTSE Emerging Markets Shares ETF (ASX: VGE), iShares MSCI Emerging Markets ETF (ASX: IEM), iShares Latin America 40 ETF (NYSEARCA: ILF) This episode of Equity Mates - The Decade Ahead is brought to you by ANZ Business Start Right https://www.anz.com.au/business/business-hub/starting-business/start-right/ ——— Basis Points: Investing in India’s Future – with Mugunthan Siva of India Avenue | https://equitymates.com/episode/basis-points-investing-in-indias-future-with-mugunthan-siva-of-india-avenue/ ——— Want to get involved in the podcast? Record a voice note or send us a message And come and join the conversation in the Equity Mates Facebook Discussion Group. ——— Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered. Keep up with the news moving markets with our daily newsletter and podcast (Apple | Spotify) We’re particularly excited to share our latest show: Basis Points Listen to the podcast (Apple | Spotify) Watch on YouTube Read the monthly email ——— Looking for some of our favourite research tools? Download our free Basics of ETF handbook Or our free 4-step stock checklist Find company information on TIKR Research reports from Good Research Track your portfolio with Sharesight ——— 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 unsure, speak to a financial professional. The host 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 and operates under Australian Financial Services licence 540697. Hosted on Acast. See acast.com/privacy for more information.
2 Feb

12. Automate it & get out of your own way | 12 Steps to Get Started Investing

Congratulations, you’ve made it to the final episode of this series! To wrap up this journey, we leave you with the most important lesson yet- how to get out of your own way by automating your investing. Now you’ve heard these 12 Steps- you have all the tools you need to improve your financial future. It’s time to go forth and use them! If you’ve enjoyed / found value in this series, please join us in our mission to make Australia more financially literate and share it with others. In this episode you will learn: • How your brain stops you being a great investor • Why automation is so powerful • Other tips to remain consistent and focus on what matters • 3 key tips from Patrick O’Shaugnessy, one of our favourite investors Chapters: 00:00 - Beat Your Brain’s Biases 04:27 - Your Future Self Not a Stranger 06:19 - How We Automate Investing 09:03 - Other Ways We Overcome Biases 12:04 - Three Tips To Leave You With 14:04 - You Have The Tools, Now Use Them Links Mentioned: 📖 Patrick O’Shaugnessy Millennial Money (terrible title, great book). 🎧 Episode on Brokers. This is Part 12 of our 12 step series sharing everything we’ve learned about investing to help you get started, or to remind you of why it’s so important. ——— 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. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional. Equity Mates Media operates under Australian Financial Services Licence 540697. Hosted on Acast. See acast.com/privacy for more information.
20 Jul · Video

Should I replace my ETFs with the geared version?

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.
1 day ago · Video

What’s the the best way to invest in AI? A financial adviser teaches me.

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.
22 Jun · Video

From beginner to investor: I reveal my final portfolio. | Jess Gets Investing

Three months ago, Jess wasn't an investor. That has changed through out the past 12 episodes- in fact, she has a whole new lease on her financial life. Clear goals, a solid portfolio and and the confidence in herself to keep investing. In this final episode of ‘Jess Gets Investing’ Jess sit’s down with Bryce and Ren to reveal her final portfolio; (including her first ever stock pick and a thematic ETF), what she learned from finally getting invested and what is next for Get Started Investing. Chapters: 00:00:00 The Portfolio Reveal 00:02:27 The Three-ETF Core Strategy 00:07:06 Turning Sushi Into Investments 00:09:04 Is This Stock Still A Buy? 00:17:18 The Super Decision 00:20:00 Stop Comparing Your Portfolio 00:23:00 What Jess Wants To Learn Next 00:25:16 The Advice That Stuck 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 🎧 Listen to the Equity Mates Investing Podcast episode covering AINF Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered. ——— Thanks to Betashares Direct for sponsoring this series and helping us keep our content free. If you've been listening along thinking 'okay, I'm ready to start', this is your sign. Betashares Direct is giving Jess Gets Investing listeners $25 to invest in Betashares ETFs and portfolios. Enter JESS25 once you sign up at betashares.com.au/direct (the redeem a code section is in account settings) Disclaimer: Betashares Capital Ltd (ABN 78 139 566 868 AFSL 341181) is the issuer of the Betashares Funds, as well as Betashares Invest, the IDPS-like scheme available via Betashares Direct. Read the relevant Product Disclosure Statement and Target Market Determination, available at www.betashares.com.au, before making an investment decision. This information is general in nature and doesn’t take into account any person’s financial objectives, situation or needs. You should consider its appropriateness taking into account such factors and seek professional financial advice. Customers are not permitted to participate in more than one Betashares offer, promotion or incentive at the same time. If you are currently participating in, or have accepted, any other Betashares offer, you will not be eligible for this offer unless expressly stated otherwise. The $25 will expire in 60 days from receipt if not used to make an investment. ——— 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. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional. Equity Mates Media operates under Australian Financial Services Licence 540697. Hosted on Acast. See acast.com/privacy for more information.
6 days ago · Video

AI & Robotics: From $300bn to $5.2 trillion in three years | The Decade Ahead

AI has already transformed how we work, but the next decade could see it reshape the physical world. From fully autonomous "dark factories" in China to humanoid robots working in warehouses, aged care, construction and even the home, Bryce and Ren explore why robotics could become the next frontier of the AI revolution. They unpack the companies leading the charge, the investment opportunities emerging, and what investors should watch as AI moves beyond the chatbot and into everyday life. In this episode: 00:00 – Why robotics is the next AI revolution 03:02 – The size of the AI and robotics opportunity 05:59 – Nvidia and the race towards physical AI 12:04 – Can AI justify the trillions being invested? 20:08 – Where robots are already changing the real world 31:33 – Investing in AI & robotics: companies to watch 38:33 – ETFs for AI & robotics exposure 39:51 – Final investor takeaways for the decade ahead Stocks & ETFs Mentioned: Nvidia (NASDAQ: NVDA), Advanced Micro Devices (NASDAQ: AMD), Taiwan Semiconductor Manufacturing (NYSE: TSM), Microsoft (NASDAQ: MSFT), Alphabet (NASDAQ: GOOGL), Amazon (NASDAQ: AMZN), Oracle (NYSE: ORCL), Meta Platforms (NASDAQ: META), Berkshire Hathaway (NYSE: BRK.B), ABB (NYSE: ABB), Fanuc Corp (TYO: 6954), Keyence (TYO: 6861), Hyundai Motor (KRX: 005380), SoftBank Group (TYO: 9984), Deere & Co (NYSE: DE), Intuitive Surgical (NASDAQ: ISRG), Global X Artificial Intelligence ETF (ASX: GXAI), Betashares Global Robotics and Artificial Intelligence ETF (ASX: RBTZ), Global X Artificial Intelligence Infrastructure ETF (ASX: AINF), Global X Robotics & Artificial Intelligence ETF (NASDAQ: BOTZ), iShares Future AI & Tech ETF (NYSEARCA: ARTY) This episode of Equity Mates - The Decade Ahead is brought to you by ANZ Business Start Right https://www.anz.com.au/business/business-hub/starting-business/start-right/ ——— Want to get involved in the podcast? Record a voice note or send us a message And come and join the conversation in the Equity Mates Facebook Discussion Group. ——— Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered. Keep up with the news moving markets with our daily newsletter and podcast (Apple | Spotify) We’re particularly excited to share our latest show: Basis Points Listen to the podcast (Apple | Spotify) Watch on YouTube Read the monthly email ——— Looking for some of our favourite research tools? Download our free Basics of ETF handbook Or our free 4-step stock checklist Find company information on TIKR Research reports from Good Research Track your portfolio with Sharesight ——— 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 unsure, speak to a financial professional. The host 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 and operates under Australian Financial Services licence 540697. Hosted on Acast. See acast.com/privacy for more information.
15 Jul · Video

“I don’t want to retire, ever”: why this 30-year-old actor invests

PJ has five jobs, so his pay is almost never the same two weeks running. Working in a creative field, pay can be scattered and unpredictable. So how does he invest consistently? Jess learns how PJ, an actor juggling four other jobs, built a percentage-based system that invests a slice of every paycheque no matter when it lands. Plus the lithium stock punt that led him to ETFs and how he uses investing to fuel the pursuit of a dream career. 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 Five Jobs And A Masters In Finance 03:05 Growing Up Without Financial Literacy 04:43 A Percentage System For Unpredictable Pay 06:48 The Stock Doubled And So Did His Stress 09:02 Building A Core-Satellite Portfolio 13:44 Consolidating Super Across Five Jobs 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.
26 Mar

Is your portfolio actually built for the long run? | Kerry Craig

Bryce and Ren sit down with Kerry Craig, Portfolio Manager & Global Market Strategist at JP Morgan Asset Management, to unpack strategic asset allocation. While stock picking gets all the attention, Kerry makes the case that how you allocate your money across asset classes matters far more than finding the next 10-bagger. In this episode: 00:00 Why Asset Allocation Matters 02:28 Kerry Craig’s First Investment 04:07 What Retail Investors Get Wrong 08:38 What is a Model Portfolio? 15:00 The Case for Bonds 20:18 Strategic Asset Allocation Explained JPMorgan Asset Management (Australia) Limited (ABN 55 143 832 080) (AFSL No. 376919) is the model portfolio manager of JPMorgan Active Growth (J.GROW) and JPMorgan Active Income (J.INC), issued by Betashares Capital Limited (ABN 78 139 566 868) (AFSL No. 341181) as responsible entity. This material is not an offer or solicitation to invest in any financial product. The information is general only, does not take into account your objectives, financial situation, or needs. Before acting, you should consider whether this information is suitable for you and your circumstances. Consult the product disclosure statement before making any decisions. Calling all bulls, bears and party animals! The market is closed, the bar is open. Come trade ideas at FinFest – Australia’s largest finance festival. Join us on Saturday 24 October in Sydney at Carriageworks for a day designed to prove that finance doesn’t have to be boring. We believe investing is a life skill everybody should have. FinFest is here to make learning it fun. You’ll hear from some of Australia’s best investors, business leaders and entrepreneurs, take part in educational sessions and connect with thousands of like-minded people – all while enjoying bars, food and entertainment. Leave inspired, better informed, and ready to take the next step on your investing journey. Register your interest for early bird tickets at equitymates.com/finfest ——— Want to get involved in the podcast? Record a voice note or send us a message And come and join the conversation in the Equity Mates Facebook Discussion Group. ——— Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered. Keep up with the news moving markets with our daily newsletter and podcast (Apple | Spotify) We’re particularly excited to share our latest show: Basis Points Listen to the podcast (Apple | Spotify)Watch on YouTubeRead the monthly email ——— Looking for some of our favourite research tools? Download our free Basics of ETF handbookOr our free 4-step stock checklistFind company information on TIKRResearch reports from Good ResearchTrack your portfolio with Sharesight ——— In the spirit of reconciliation, Equity Mates Media and the hosts of Equity Mates 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. ——— Equity Mates Investing is a product of Equity Mates Media. Hosted on Acast. See acast.com/privacy for more information.
12 Jan

3. Saving to invest | 12 Steps to Get Started Investing

The single most influential factor in growing your long-term wealth, is the amount you’re able to save. Maximise your ‘savings rate’, then put that money to work by investing it and your future self will thank you. So, how do you do that? In this episode you will learn: How much money you need to start investingWhy the most powerful factor is your savings rateBryce’s approach: Rule of 3’sRen’s approach: Pay yourself first This is Part 3 of our 12 step series sharing everything we’ve learned about investing to help you get started, or to remind you of why it’s so important. Chapters: 00:00:00 The Money Habit With the Biggest Impact 00:01:58 Investing Isn’t Just For High Earners 00:02:58 This Is the Part You Can Control 00:05:28 How We Each Stay Disciplined 00:11:30 Find the Spending That Trips You Up 00:14:50 Saving Now Equals Freedom Later ——— 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. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional. Equity Mates Media operates under Australian Financial Services Licence 540697. Hosted on Acast. See acast.com/privacy for more information.

Equity Mates Media is the home of your favourite investing podcasts. We aim to make the world of finance accessible and help you build the knowledge, confidence and inspiration to get started on your own investing journey. Join us as we break down the world of investing, from beginning to dividend.

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