She's On The Money - 5 Shares That Skyrocketed Last Financial Year (And What You Can Learn From Them)

Episode Date: July 1, 2025

This week, we’re diving into five shares that absolutely popped off last financial year, and what they can actually teach us about smart investing. Some were expected (hello, gold rush), others were more niche, but all of them have big money lessons baked in. From pharmacy shakeups to booming tech, we’re unpacking what really drives a share price, how to spot strong business stories, and why investing is about more than just crossing your fingers and manifesting gains. Whether you’re deep in your investing era or just market-curious, this one’s all about making investing feel less intimidating, and way more empowering. Here’s what we cover:📉 Why gold is having a moment… and the miner that surged 150%+📉The new pharmacy powerhouse on the ASX📉The furniture brand making waves (and margins) through AI and drop-shipping📉 The everyday app for parents and pet owners… that quietly crushed the stock market.📉 And why “booming” doesn’t always mean “buy now” Join our Facebook Group AKA the ultimate support network for money advice and inspiration. Ask questions, share tips, and celebrate your wins with a like-minded crew of 300,000+.And follow us on Instagram for Q&As, bite-sized tips, daily money inspo... and relatable money memes that just get you.Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.

My name is Natasha Bamblett, I'm a proud First Nations woman, and I'm here to acknowledge country. Tii, gulinyan ganya, nianakaka yao yinbina waka, nianakai nianbina yakarumja, duminyagumiga dumiga ithawaka nirawamundamun imalan. Mumu bangada boma ininyalan waka, gaunan yakarumja, wutunarana. Hello beautiful friends. We gather on the lands of the Aboriginal people. we thank acknowledge and respect the aboriginal people's land that we're gathering on today take pleasure in all the land and respect all that you see she's on the money podcast acknowledges culture country community and connections bringing you the tools

knowledge and resources for you to thrive she's on the money she's on the money Hello and welcome to She's on the Money, the podcast that turns share market chaos into something your sleep-deprived brain can actually understand. I'm Bec Syed, your co-host, here to ask all the investing questions you've definitely thought, but maybe never said out loud. And luckily, I'm joined by the investing expert who actually knows what she's talking about, Victoria Devine. Hello Bex Sayed. I'm very excited mainly because I always love an opportunity to talk about the share market and you've given me a whole episode. I was going to say this is very exciting just for you. Thank you. Thank you. I do need some more things in my Sharesies

account so I'm kind of excited too. What's your Sharesies account at now? I think it's at $758 or something like that. That's growing so quickly. Who are you? I know. I wouldn't be able to do that in savings. I love it. I haven't. I love it. And I feel like now is a very good time to talk about the share market because it's been the end of financial year, which is also my birthday, because if anything, I am a finance baby at heart. And I think given the financial year has now wrapped up, which means I have to wait another like 365 plus days for my birthday to come again. That's so funny. She's counting. Oh, I thought it would be a very good time for you and I to sit down and I guess take a little

bit of a step back and go, well, what happened with the ASX this year? What did it look like? What did it feel like? Because we do these episodes and you guys love them. And I adore that you love them because any time to yap about shares for me is a good time. But we often look to the share market to make decisions. And we say time and time again, past performance is not a reliable predictor of future performance. And we can look at what has happened, but that doesn't mean that it's going to happen into the future. So anything that we talk about today, like if I go, oh this ETF like was incredible that doesn't mean it's going to continue to be incredible but it's just so interesting and I think so pervy to be like what performed what didn't I know why when

where how so whether you're investing yourself or you just want to learn a little bit more about what actually drives the share market this episode from my perspective is going to give you a really good sneak peek at what I think are the biggest trends and keep in mind this isn't market research These are my opinions. These are my, I don't know. I talked to lots of market experts. I talked to lots of share traders. I talked to lots of financial advisors. It's like a culmination of all of that. So it's not like, well, ComBank said. Totally. I love Warren Buffett, who I know would have a little bit of say. You shouldn't have a crush on a 90 year old. But it's kind of like, I want to show you a little bit of a sneak peek at what I think the biggest

trends were. I want to show you what I think the standout performers were and maybe a few unexpected winners. Cause I remember like doing the script of this episode and being like, hold on, what the hell? Right. I think you'll enjoy it as well, Bec. So strap in. I hope you're ready to talk about shares, but I guess again, I just really want to double down because maybe I'm just a little conservative baby at heart, but this episode, Bec, it's not to tell you what to buy. Don't go running to your shares app and be like, oh my God, V talked about X, Y, Z. And that means I'm just going to buy it because she said it did well. Like I'm not here to tell you what to purchase because that's actually wildly irresponsible. It's actually here to help you

start recognizing, I guess, what drives a company's growth, what impacts share price and how to spot what I think is a very strong business versus what's kind of like a bit of a hyped up headline because we've all seen the hype online we see what's going on like oh we see how dramatic people can be so beck let's strap in no more disclaimers no more anything today we're going to dive into some of the biggest share rises on the asx 200 the companies that have seen the strongest percentage growth over the past year are you ready oh my god i'm so excited and i know you say this is not advice this is not something you should be running to your phone and buying but I already run to your phone and have a like a look like you can have a look as you know beg

the shares is like search function and this isn't sponsored by shares like they haven't paid me to do this I just I know that you use shares so I'm talking about and also like if you listen to money diaries you'll know that like 99 of our community when I'm like so tell me like do you invest they're like yeah clearly on shares is yeah I feel like it's the best example to use because so many of you are familiar with it totally words kind of like using google you can run to google and type it in. Anyway, carry on. So I guess I wonder, and I know this is a very broad question because I don't really understand shares. Whatever. That's my job. That's my job. And I tell you how it works. That's true. Thank you. And so I guess my question is, where do we start? At the beginning.

Okay. Got you. Got you. Okay. Where is that? So I actually want to start this conversation talking about a topic that I feel like our community has had a lot of conversation around. I've actually gotten a lot of DMs semi-recently over the last maybe three months, I'd say. And that is about gold. I feel like even you asked me about gold recently and you were like, hold on. So people buy physical gold. And I was like, yes, babe, they buy gold and then they pay people to store it for them. That I find very shocking. Right. So let's start there. Okay. Let's start there. Because I feel like gold is having a very serious moment at the moment. Okay. And lots of people are talking about it. And I mean, yes, we've spoken about it recently,

But gold at the moment, or gold is popular, I would say, in times of economic uncertainty. Like people turn to gold, you could say. Like when the share market's going up and down, like it's related, I would say, to fear and kind of like buckling down and getting quite serious and being like, oh, like, you know, the world's a bit tumultuous. And I mean, you can see why a lot of Americans maybe are turning to gold and going, oh, I don't know about the share prices. like Trump seems I would say to be having a meltdown online I've literally never seen a

politician swear until the other day and he's like saying the f-word I just don't get it I don't know the man thinks he can tweet and people are reading his tweets being like oh yeah you're right I'll have a ceasefire because Donald Trump did it I know I can't don't get me started and we shouldn't go on and on about it because apparently if I do go on and on about it, I could be banned from the US. Who cares? At the moment, I don't have a lot of want to go there, but I do miss the food in New York. That's so fair. I actually would like to go sometimes too. And if I'm banned, that's okay. Selfishly, I don't want to get banned from the US, but like I don't have any want to go there at the moment. It just doesn't feel good. But anyway, gold is seen as a little bit of a safe

haven at times where things are a little bit tumultuous. And currently global demand for gold is rising. It's getting very, very popular. And it's not just, you know, everyday mom and dad investors or, you know, even Warren Buffett being like, oh, gold's a good option right now. It's actually, we're seeing central banks pick up a lot of it. Like I would say that the central bank is actually stockpiling it. So they're trying to do this to diversify away from the US dollar. And even countries like China are buying more gold than ever. So when that starts to happen, people like you and I go, is gold good? Should we be looking at gold? Other people are looking at gold. And obviously when there's demand for gold, the price for gold increases.

So we're seeing that going, oh, it's a little bit of a popularity contest. And we're seeing this reflected in the share market as well. So if you look at the top performers on the ASX, which for those of you playing along at home is the australian stock exchange at least five of them are gold producers oh which is kind of cool and not that common during i guess non-economically tumultuous times to have five gold producers be sitting at the top performers on the asx so confusing to me for some reason but i what do you mean i get it so it's like a mining company a mining company that goes and digs up all the gold i understand i understand i understand so okay so like they're going and producing it yeah and like digging it up because obviously gold is i would

say it's not an unlimited resource but it's relatively limited and we need companies to be able to you know go gold panning basically to go find more to sell to us i believe there's still gold out there it's crazy right like did you ever do the ballarat thing where you went and like Yeah, that was very fun. And I have my little somewhere in probably, yeah, I have that little jar of water with the like gold specks in it. And I like, because we couldn't, I'm assuming couldn't find any, we had to go buy some from the thing. I can't even remember how I acquired it. Honestly, all I remember from going to Ballarat were those raspberry drops. Yeah, the raspberry drops. At the lolly shops.

Yep. Yep. Yep. 10 out of 10. Anyway, back to proper gold, not panning for gold in grade three. The one at the top that we are going to take a bit of a closer look at, Bec, is called Regus Resources. And their share price over the last 12 months has gone up more than 150%. Whoa. Isn't that insane? I feel an urgency to buy, but I'm going to settle down. No settling. I mean, yes, settling down, but like 150% increase. Yeah, that's pretty good. That makes people interested. Yeah. So what are they? who are we just resources? So they're little gold panners, right? So they're probably not out there with their pans. They've got very big machinery, but they are a gold mining company that is based

in Western Australia and they explore for gold. They develop the sites. So they like go out scout sites and be like, this could be a good place to dig. And then they operate the mines to pull all of the gold out of the ground and then they sell it. One of their biggest assets is a 30% stake in the Tropicana gold mine, which is going to mean not that much to you, but like owning 30% of another business is a big deal, which is actually one of the major gold sites here in Australia. And it's a joint venture with another company. Cause as I said before, they only own 30% of it called Anglo Gold Ashanti. Beautiful name. I know Ashanti. Like I feel like Sri Lankan and like Indian names have like a magic about them. Yeah, totally. So pretty. And then I got,

Victoria. You know, like that just feels rude, mom. Anyway, they are known for being a low cost, but very high output operation. So it's a very solid cash generator. So if we're looking at it and we zoom out a little bit, we go, well, you know, Regis resources, good company. They're doing some good stuff, but they also own 30% of another company that's doing really well. Yeah. So if I told you that you'd go, they seem pretty smart. They seem pretty switched on. So they're onto a really good combination at the moment of rising gold prices, which helps any miner, to be honest. So any company that mines for gold is going to be pretty happy with the fact that gold's more expensive at the moment. And when you break it down, it's actually a really

solid operation. Like their business is running relatively leanly. They are doing good business internally. Like they're doing what they said they were going to do. So the production of gold for them is relatively stable and their costs are, I would say, under control. And they've been investing some of their money. So a lot of their profit is going into expanding their mine life so that they're not just living for the now, they're like kind of planning for the future. Like they clearly want to see this increase be sustainable. Yeah. Like they want to just keep on keeping on. But I think, Bec, it's also really worth remembering that mining shares can be really volatile. They actually hold up a lot of the Australian share market because as you know,

or maybe do or don't, I don't know how much research you've ever done into it. Mining, but mining's massive in Australia. So like you would have heard about fly in, fly out people, right? Like, you know, I feel like if you're in your twenties or thirties, you've had a friend at some point being like, maybe I'll go to the mines for a few years or like, maybe I'll X, Y, Z. We've all talked about it. And the reason that we've talked about this and we know, like you and I know that if you go work in mines you make big money yeah right and that exists because we have such a strong mining export in Australia like there are lots of options and I think all of us know that most of it happens in Western Australia because that's where all of the like

essentially gold is and all of the other things but we also export things like iron ore so mining in Australia is a very big business in fact it's I think it's our number one like export so the thing that other countries buy from us has been mined oh which is kind of cool but also I won't say funny maybe the word isn't funny here but it's interesting as well because so many of us are turning to be ethical investors yeah so therefore we're against mining I was thinking that I was like is this bad for the environment but that it can be it can be and I mean completely separate conversation there are a lot of mining sites that are putting a lot of money into becoming sustainable and working on that and how to put back into the environment because at the end of

the day like even electric cars rely on petrol when it comes down to it right like and I'm not saying we put petrol into those cars but like to power the grids we're probably using some type of coal to burn I think the only state that really relies on hydro is Tasmania and so there are yeah there's a lot for us to do before we can completely be clean and green yeah what we want it all from my perspective side note what we want to see is companies really investing in sustainability and investing in becoming more green and investing in our future yes completely not burying their heads in the sand and being like whatever we're just going to keep getting this iron ore bye but in saying that mining can be relatively volatile um so it goes up and down over time

And as you would know right now, people are kind of looking at gold being like, oh, that's pretty sexy. That's pretty interesting. I'm interested in it. But like, if that momentum shifts or costs creep up, the shine can wear off pretty quickly and you get over it and you're like, there, I'm onto the next thing. And with a share price that's already up more than 150% back, I would say some of that future optimism might already be priced in. I see. Okay. So like we're excited and we're just buying it, but like, is it really worth 150% more right now? Yeah. Okay. That's good to know because I guess it does depend on the state of the economy and all this. Absolutely. It does. I see. I see. I

see. Okay. So this next one I see here, Austal, A-U-S-T-A-L. Austal. I'll be honest, I've obviously never heard of this. What do they do? You're like, what's that? You've put it on the list. Um, I, I think that's very fair. And I would actually say that most of our audience have never heard of austal um in fact guessing i feel like you could assume they're australian i would think so unless your special interest is ships and ships and we will understand that context soon i am yeah but they are a western australian company i see and they were started in 1988 and they build high end high speed ferries a high speed ferry oh my god high speed ferries I can't just imagine how air blowing in the wind.

I bet you didn't see that coming. You were like, Austal, obviously ferries. Obviously. Obviously ferries. High speed or something. Anyway, sorry. Yeah, continue. But over the past few decades, I mean, I haven't had my eye on the ferry trade,

but I did do a little bit of research for you. Don't worry. Thank you. They've really upped their game when it comes to ferries. Faster. Yeah, bet you didn't see that need. I did not. Yep.

So the ferry trade, it's been increasing and they've leveled up. And they've gone from being just like producing the spirit of Tasmania to being a global player in defence. Oh. And when you say defence, you go, oh, big dog ships. Yeah. Right? So they've got a shipyard in Western Australia and the US

and the Philippines and Vietnam. And they're one of the only Australian companies that regularly build ships for the US Navy. Oh. I would say that's a pretty big deal. yes i would think so you go ferries that's cute and then you go hold on u.s navy ships yeah i see they really they actually might be big dogs it's like in my head very clear like angel and devil situations like fairies so they've been working away in the background

yeah okay tracking away and they've been building their ferries sure um and that is why their share price has increased by more than 150 in the past 12 months and why a lot of people are going hold on. Hold on. Have I changed my special interest from trains to ferries? Interesting. And a lot of that growth actually came after they won a contract to build up to 12 new, what they call a landing ship for the US Navy. And that deal alone for them could be worth more than 380 million USD. Oh my God. So it hasn't happened yet. I mean, they've won the contract and they're starting to do it, but it's up to 12 ships. It might not be the full 12 ships. They might get to 10 and the US Navy will be like, that's enough for now. Like they've won the contract. So what

happens when we say won a contract is often when governments like the US government, Australian government does this, they go out to what's called tender. So essentially let's say, let's say the Australian government wanted a new cleaning company for Parliament House and all of the government locations around Australia. They can't just go, hey, Becky, have you got a friend? Because that would not be kosher. What they do is they put out a tender and they say, hey, we've got this job. And it's basically like putting a job ad on Seek, but like for big dogs. And they put their job ad up and say, I want a cleaning company that can do A, B, C, D and E. And then all of the big cleaning companies would quote respond. And they would put together a

pitch and be like well I could do it for 300 million across all of your locations and then another company might come back and be like well I can do it for 250 million and they kind of like essentially bid bid they put in their bid sure and then the Australian government will weigh up those bids and make a selection based on that so that's what clearly happened in the US Austal has won the contract for the US Navy ships which is kind of cool when you think about it That is really cool. So they, like, landed or they won this contract and then the share price took off after that point?

Yes. I see. Like, it had been taking off. They'd been going to the next level. They'd been doing really well. But I would say that's the thing that really pushed them because that's a massive contract. And, I mean, it's worth $380 million USD or up to.

I'm going to have to have a little Google, even though I don't know if I like this one, like, investing-wise. Like, is it ethical? Anyway, I'll have to have a Google. Yeah, there's a lot of questions about the end. And I mean, we can have another conversation on another podcast episode about ethics and how to manage them and negotiate what that means with yourself. But I think this is just interesting pieces around how are they making money?

What does that look like? But also, Bec, if this company is already up 150%, does that make them a good buy? Right. Like, are they going to keep going up? Or are they like at the peak? Or is that like, you know, have there been heaps of people who are really into ships watching this and just buying in because they're excited when actually the share price is not worth it. There's a lot of questions. Yeah, I see. I see. Okay. So they landed a big contract,

their share price takes off. And then what happens? So defense contracts, I would say are massive, whether that's in Australia. I mean, defense contracts in the US obviously are significantly larger. And when you win one, the market is very reactive. They're like, oh, damn, because the defense, I won't say they've never not because I can't prove it. But like, if the defense says they're going to pay you, they're going to pay you. It's not like, oh, they promised to do this

and then they don't. Like if the defense is engaging you to build 12 ships, like they've already worked out that they need the 12 ships. It's like kind of almost guaranteed that that money is going to go into their pocket, right? They're not going, oh, actually six months, that person's redundant. Like they're not making decisions

and then being like, we'll work it out later. like this is pretty set in stone but Austal's not just doing one-off builds which is kind of good they also do and this is where a lot of their consistency in share price comes from they do maintenance and upgrades on ships as well so like they're not just building it and hoping consistently they get new people to buy new ships they do building and maintenance upgrades on ships that are already out there which then creates reoccurring revenue because like your ship needs servicing babes. Absolutely. Every, I don't know, 500,000 knots or something. Is that a thing? Like that. Like, I don't know. Do you think that they're like just driving down the freeway one

day and then it pings like service too soon? Like my car does. Yeah. Like you swam 700 kilometers. But that obviously creates really, really consistent reoccurring revenue between their really big jobs, which people like, because I mean, if I'm going to buy into a company, I want to know that they've got cash coming in consistently. Yes. And that stability really helps their numbers look, I would say, a lot healthier. And I guess defense is also what we call a little bit, like to be a bit more negative, a boom and bust industry. So if you win the right contracts, sexy, great, 10 out of 10. But if not, or like, let's say Austell won this because remember how they put their bid in? They said, we can build these ships for this

amount of cost to the government. What if the cost of the iron to build the ships increases significantly? The government's not going to pay more because that's not what their contract is worth. So that could cost Austal a lot of money. And if things blow out, the tables can turn very, or the waters can turn very quickly. And Austal's actually had a number of different bumps over the years where this has happened, including what you'd call margin pressure. So essentially, are they actually making a lot of good profit or are they actually like spending what they are making on building these ships and just like calling it even but right now they're on a hot streak so right now they're doing well okay but they don't have an incredible track record for

doing really well and generating really big profits like they get the job done but they might like spend what they made on building the ship and be like oh thank god that's over and it didn't cost us any more money you know oh okay yeah i got you yeah risky risky risky okay this next one i have heard of but in a different context sigma sigma health care health care sigma feels frat boy doesn't it sigma beta yeah it feels yeah right yep but sigma health care why have you heard of it health care just because of that frat boy thing but also i did google it because I was like what's going on here so it's uh they've just merged with chemist warehouse I believe so they have I've been googling and like complete side note did you see the house in

in Byron that the um owner of chemist warehouse bought oh I didn't see it I didn't see it well for you can you can oh I was gonna get to you after it's big it's big it was worth I can't even remember like 23 24 million dollars ridiculous anyway yes you're right they did just merged with Chemist Warehouse, which was really big. And that's actually exactly why their share price is through the roof. In fact, it's up more than 140% this year. Oh, that's good. So clearly the people love the fact that Chemist Warehouse is now part of it. Yeah. And I guess here's what's happened. Sigma Healthcare and Chemist Warehouse merged. So they didn't just buy, like Sigma didn't buy Chemist Warehouse. They've like become one company, if that makes

sense, which is a little bit different in early 2025, making them what I would call, I don't know, a pharmaceutical powerhouse. Oh, okay. It is, but like how much do you love chemist's warehouse? I actually really love chemist's warehouse. I love chemist's warehouse. It's like girl bunnings. Yes. Like, you know how boys go to bunnings and they just like walk around, look at stuff. The guys and the gays. Yeah. The guys, the girls. Yep. The girls and the gays, we're all going to chemist's warehouse. Like we walk around. If I've got a script, I'm like, they're like do you want to wait in store yes babe i want to wait in store i've got to go look at the stuff thank you can you take as long as you can yeah i'm always like how long will this

take and it's not because i'm impatient it's because i want to know what time limit i have to walk around chemist's warehouse totally don't be silly give me my script but like at least 10 minutes as well at least so now they really own a very large part of the pharmaceutical retail network and i think that if anyone said name a chemist immediately you don't go am cow i feel like in the 90s you said Amcal? Yeah, sure, sure, sure. They own Amcal as well, but they also own Chemist Warehouse. I think all of us go there. Anyway, love a cheap script, but we're talking, they now have more than 1000 pharmacy stores, including Chemist Warehouse. I told you before, they also own Amcal and discount drugstores and guardian pharmacies. They sound American. The

discount drugstore sounds American to me. There's one in Rosebud. Have you seen it? Oh, really? it's like it's painted the same color as chemist warehouse and i'm always confused and i'm not gonna lie i'm always disappointed because it's not chemist warehouse they always get you like that they're painted that same color and then you go in they also have 16 very large distribution centers around australia which manage logistics and like delivery of medications and health products and the merger is actually expected so they've obviously done their maths is actually expected to generate around 60 million dollars in cost savings a year just from streamlining everything oh great so by these companies coming together both businesses are saving money because

they both have facilities and resources that they can use yeah together like you know if you and i i know you are very into pottery beck by the way guys has just launched her online you have you're so sweet thank you is it handmade by beck it's designed by beck designed by beck yeah everything is handmade freehand everything yeah anyway you can go check that out thank you beck it's like if i owned a kiln and you and i went into business together it just becomes cheaper for everybody it's like a long distance relationship like you're spending so much money going back and forth together so we only have to pay one rent one rent one rent dual income no more flights back and forth we're gonna become dinks yes exactly so when you actually own the supply

chain and then you also own the shops you can actually squeeze through more margin move faster and create a better customer experience which is great but you also become big dogs and you have a lot of money plus chemist warehouse i would say you and i both love it but so does everybody right i would say it is one of the most recognized retail brands in the country and they move a massive amount of product because have you ever gone in and just bought what you meant to buy never but also the other thing too did you know that chemist warehouse sell literally everything they're comprehensive from birth to death that's fantastic everything i can't believe i found some like dexascales you know those like ones that oh yeah yeah i was like there's no way chemist

warehouse is gonna have this they do they do um they also sell a really good apricot delights in their like health food section crazy crazy makeup got you foot chair got you everything the other cool thing about chemist warehouse is that it's one of those companies that it doesn't matter what's happening in the economy back. Yeah. People are going to still shop there. So true. Like it's not, uh, it's not a luxury to go to the chemist and yes, you might stop picking up as many things, but that company is always going to have people coming in their doors because it's an essential service. Um, and that's, I think for us at the moment, really important to consider when making investment decisions, like, is this a luxury?

Is it a little boo-boo? Yeah. Cause like what's happening with the pop mart share market at the moment. Like, anyway, I've just got lots of questions about that. Yeah, fair enough. And also, I don't know if other people are thinking this way, because I feel like we see chemist warehouses everywhere, but they're not everywhere yet. Like they feel like they're everywhere, but chemist warehouse still has so many growth opportunities in Australia. And they're also moving into international markets. So they're moving into like New Zealand, Ireland, China, and get this Dubai oh how random I think I'm most surprised about China yeah yeah oh yeah true I'm just like oh okay yeah also they're just so like there's no um consistency here so funny

they're like New Zealand oh actually Ireland too what about China and Dubai yeah there's no there's no consistency okay anyway pop off queens I'm sure you have a good plan but also not to bring the mood down there are a few things that I would watch out for with this the merger still needs to be integrated properly and that stuff is always a bit messy like when you're bringing companies together and then all of a sudden there's two HR teams it's battle of the HR teams and then one team ultimately gets made redundant you know like it's not that fun there's just a lot of mess there's a lot of programs they might be using one software in one company and another in another and it just that just feels messy right but that happens in any merger yeah and then the

competition watchdog the ACCC did raise concerns that they're watching closely to make sure that the merged business doesn't push out smaller players or cut off rivals that's the cutest thing I've ever heard what the ACCC is like don't be mean to the little dogs well it does happen and the ACCC is in charge of making sure stuff like that doesn't happen because if you if you create such a big organization that it swallows everything else is that fair competition no also I don't know if you know this but a lot of the chemist warehouses are franchises so like people will go to chemist warehouse and be like yo I'm a pharmacist I would love to pay you so that I can open my own chemist warehouse get access to your distribution centers and all

your products I'll sell it I'll be the one you know when you walk into the chemist and there's like the pharmacist's name on the door oh they're the owner of the pharmacy understood and we don't actually know how happy the franchisees are going to stay and how that'll work over the long term like is that going to be really smooth for them are they going to be really happy being like a franchisee of such a big organization like did they there's just lots of questions you know like you've got franchisees to look after as well okay okay so but also like if it works it's going to be pretty big yeah seriously which is why they're up 140 because i think most of us are looking at it being like, yeah, there's a few red flags. Like there are a few watchouts, but

overall I think it's going to work well. Oh my God. This sounds like, I mean, obviously not giving advice, but ethically, I feel okay about this one. I'm going to, I'm probably going to. Everybody wants their medications to be cheaper. Totally. It's nice. Exactly. Okay. So we've covered some big names already, but I know you've got more up your sleeve. I just got a feeling. That's because you've seen my notes and they're all highlighted. I really do. And after the break, we're going to have a look at two more top performers on the ASX this year. One is cashing in on your online shopping habits, smart,

and the other is quietly becoming a must-have for Aussie families. So, guys, stick around. Welcome back, everyone. As always, VD left us on a cliffhanger. I don't know if it was a cliffhanger. I need to be better at the hook. I need to be better at being like, you guys need to stick around. It's going to change your life.

no because they would be win a million dollars we'd be a you'd be really ridiculously rich would have american accents would be guys be wearing baseball caps we need that kind of like but we're just chill we're just like hey this is actually what's coming up we're trying and i mean before the break you and i had a bit of a deep dive into the top three performers based on share price increase so one of but two of them were 150 increase and one of them was 140 increase but now I've picked up a couple further down the list so they don't look as dramatic but I think they are absolutely worth having a deep dive into yeah okay I did have just a quick glance and I'm shocked to my very core that Temple and Webster are on the list because I just thought they were

a scam company sorry what do you mean a scam company I just never bought from them I felt like I thought they were they're so affordable yeah yeah and like that's why we're liking it The world we're in cosy lives. I think we all want cheaper furniture. Yeah. Like the stories checking out. Yes, I've actually ordered from them before. Seems legit.

And my girlfriend actually got bar stools the other day and I was like, girl, where are these from? They look so, like, I thought they were like Coco Republic or something really expensive. And she's like 150 bucks or something each on Temple and Webster. Temple and Webster. Temple and Webster. Anyway, so Temple and Webster is actually not a scam.

It is actually Australia's biggest online based homewares brand. that is so good to know and for those of you who maybe haven't seen it they sell barstools to my friend um they've also sold artwork to me i've like bought artwork for my house before but they also sell things like couches and rugs and even baby cots and furniture like you name it if it's a piece of furniture in your house you can probably buy it on temple and webster and the most gorgeous cool covers i always just avoid it but i'm like the only things i like are on there it's legit and it's made my list because over the last 12 months beck they've seen their share price increase by more than 100%. And get this, if we like zoom out a little bit more, because like,

as we all know, I love a zoom out. Over the last five years, they've increased by more than 240%. Oh, okay. I'm jumping on that one. So they're doing well and contrary to popular Beck belief, like they're legit. They're real. And I guess what's been working for them so far is they've been riding this wave of like online shopping growth. Smart. So like, I feel like more and more of us. Yes, online shopping has been around forever, not forever, but you know what I mean, more than long enough. But I feel like, especially with cost of living pressures, we're all kind of turning to like checking the price twice, making a list, going online, like cross-checking things, seeing if we can get a dupe, seeing if we can get something cheaper

somewhere. Like we're all being a little bit savvier. And I actually, and this is not me talking about Amazon, but I did some work with Amazon early June and they had a whole heap of research that said 60% of people are now going and like putting things on their list, but also spending more than four weeks researching that item before purchasing. 60% of people. Like historically, we're less impulsive. So this is working for Temple and Webster, right? That's you. You taught us that. I'm crazy though. I'm crazy. Like I love a bit of research and their market share is up to 2.9% and they've called this a quote, once in a generation shift from offline to online furniture purchasing. Because I don't think like even 10 years ago, would you

have purchased a couch on the internet? Maybe not. Yeah. But now that's exactly where we're turning and they have some serious ambition as well. So they've publicly said that they want to be the biggest furniture and homewares retailer in Australia not just online just in general they're like no we're going to be the biggest of big dogs and their business model when you dive into it it's actually really lean as well like most of what they sell is actually drop shipped straight from suppliers kind of genius which means they don't hold stock or even pay warehouses like there's no big temple and webster warehouse they just take the order they process it they collect their cut and then they tell the producer of that item to send it to Beck. Which is kind of

cool. That means less overheads, more flexibility and fewer inventory risks. So like they don't have big warehouses that they have to insure. They don't have factories full of forklifts. They don't have to have all of the people. They get the other people to do it. Yeah, clever. And they're also smart. They have their own label as well. So they make their own products. So they're kind of designed and branded in-house. And now they are making up a very growing chunk of their revenue. And that's important because when you have your own brand, it means that you make more money. Better margins means better profit. Oh my God. That's so good. I feel really bad now. Sorry, Templin. I haven't bought from them ever. It's like not that I have.

You can call them later and apologize. I think I will. And Beck also, it's 2025. They've gone all in on AI, which lots of people have, but it's working for them, which has already seen them save heaps of money and also improve their margins. Get this, more than 60% of their customer service is now handed by technology. Okay. Okay. Customer care costs are down by more than 50%. Shipping price accuracy is up and revenue per site visit has increased. So more people visiting their website are spending more money with them. That's good. Money for them. Plus they've just launched a new category called like build, which sells DIY gear. They now sell like tiles and tapware. So they're not just

furniture anymore. They're just taking over. And I reckon they're trying to just like take on the whole Renault journey and be like, we'll sell anything to you. Hey, why not? 10 out of 10. Why stop at furniture? Exactly. Especially if it's drop shipping. I'm like, that's, you know, you don't have to worry about like having so many things in your warehouse. Like, oh, we don't have, we don't have space. They don't even do it. They're just like, oh, we'll call back up when we sell one of our things and she can send it to them. That is so cool. Very interesting. Hey, so is Temple and Webster like the next bunny? I mean, it could be not quite, but they are trying. They're really trying to get a slice

of the same pie, especially with, I guess, people moving more of their online spending online. A little bit of a caveat, though, the stock has more than doubled, but it's not cheap. OK, it's trading at a high price to earnings ratio, which means investors are pricing it as though it's going to have a lot of future growth. So when you look at it, you go, okay, cool. Like tell me about this share price. They haven't got the revenue to prove it, but I think a lot of people are like, oh, Temple and Webster is going to take off and they really believe in it. So that's why they're purchasing it. So if that growth even slows slightly and they don't have the sales to be consistently backing themselves in the way that they have, the share price could

actually drop and take a hit. And if you're buying now, I would say, sorry, Temple and Webster, but people are probably paying a premium for your share price. Like, I don't know if I can say this, but I personally wouldn't be purchasing it at this price. I think it's a little bit overpriced and I think you're paying a premium for the share and it might take off and you might be absolutely rewarded for that. But for me right now, that's probably, you know, when you do a price to earnings ratio, I'm like, that's not making that much sense. That's so smart, VD. Something I know about you is that you don't act out of urgency. Sometimes I do when I really need a hash brown. And that's so fair. Yeah. Like I'm just a girl at the end of day. Exactly. But when it comes to

the share market, girl, I am judging you. She's waiting a little bit. You know how like on TikTok, they say we listen and we don't judge. No, I listen, I judge. And that's what happens in the share market. And then I'm going to yap about it and tell all my friends. Yeah. Well, someone's got to. Absolutely. You're doing God's work. Okay. So this last one, I'm, I actually have heard of this Life360. Yeah. I feel like, I feel like lots of us have heard of Life360. A lot of Americans use it, which makes sense because it's based in San Francisco. It's a company that is based over in the US, but it is listed on the Australian Stock Exchange. Okay. So for anyone who is not familiar with it, it's giving find my friends from iPhone. Yes. But better. So Life360

makes a very popular, what would you call it? Like a family safety app. Yeah. And it lets users share like real-time locations. It gives you driving alerts. Like it can be like Beck speeding crazy, right? Oh my God. And it tracks loved ones or pets or your valuables. And it's really big with parents and caregivers. I said, it's giving, find my friends on iPhone, but like Beck, you don't have an iPhone. So we couldn't use that, but you and I across different devices could use life 360 it also tells you when your friend's battery is low so you can do this little prompt that says charge your phone it's really good i guess if like your friend's going on a date you can see that they don't have much battery left you're kind of worried you just know to

stick around a little bit yeah yeah that's so good they've also expanded into an area called connected devices as well so do you remember tile the company that like the tracking device tile sounds familiar yeah so they own tile okay so they own tile which helps you find your keys and stuff. Like you can put it on the dog, you can put it on your keys. And they also own GeoBit, which actually tracks pets and kids using GPS. Which do you know what? I'm sorry. Before I was a parent, I was like, why would you track your kids? Invasion of privacy. And now I'm like, so where can I put a tracker? Where can I put the tracker? How do I, do I put it in his shoe? Do I put it in his pocket? Like what happens if he pulls it out and puts it in the bin?

Just do I hide it in his backpack? Like, girl, I'm going to be crazy. Like this life 360 thing makes sense to me. And over the last 12 months, they've seen their share price rise by more than a hundred percent. And in the past five years, Bec, get this, sit down. It's risen more than a thousand percent. And the reason for this, like if we dive a little bit deeper is they're growing fast and they've hit profitability for the very first time. Oh, cool. It's crazy. So they haven't been making profit, but they have been growing. And just because a company doesn't have heaps of profit doesn't mean they're a bad company. They could be reinvesting all of it back into technology or staff or advancements. You actually have to look into it. Just because they're not drawing

profit and giving it to shareholders doesn't mean it's a bad company, right? They've actually got now more than 83 million monthly active users. Okay. That's a lot of people using it. And there are more than or in and around I'd say 2.4 million paying subscribers wow that's 2.4 million people subscribing to their platform which I don't know if you know anything about subscriptions but like business savvy me um that's strong reoccurring revenue every single month 2.4 million people are paying you I am stuck on they haven't made profit until now and so I'm like how did they survive like how they're paying their rent well they could have been paying their rent right they could have been making like let's say they make ten dollars and then operation costs are ten dollars

they're not making profit there's nothing to bring out of the business but maybe every single dollar that they earned they were finding a way to spend back in okay so sometimes if you have a company where every single dollar earned is being spent that doesn't mean it's a good spend yeah but now they've kind of got the numbers to prove it because if you've got 83 million people using your platform or you know active users and then you've got 2.4 million people paying you monthly they've clearly been reinvesting into getting more people and drawing that in and now they might go all right time to sit back time to stop reinvesting and start making profit because at some point we all just want to make money but they've started making money on their core product

now which obviously as an investor we love that and they're growing revenue by over 30% year on year. So that's pretty good. Like that's good growth, even while other tech companies are slowing down. Yeah. Their business model is known what's called as, I don't know, have you heard of freemium? No, but I can imagine. Yeah. So their business model is known as like a freemium model, which means that the basic app is free. We love this. It means that there is a lot of people, as you can tell, because they have 83 million active users, but only 2.4 million pay them. Yeah. So it means that there's a lot of opportunity to upsell to premium features, like maybe crash detection on their platform or like driving reports or emergency assistance or

whatnot. So you don't have to pay to use their platform, which I think is nice. You obviously have to pay to get their product, but you don't have to pay to use their subscription. And their device ecosystem, I would say is very clever. Like it's pretty smart. Anyway, if you buy a tile or you buy a Geobit that locks you in even more. It's not just an app anymore. It's like a whole platform for family safety. Sure. It's kind of cool. That is cool. And I haven't paid for a subscription, but I feel like I've, I'm getting more than I've bargained for. But like I have an Oura Ring, right? And I'm obsessed with my Oura Ring, but the thing that annoys me the most is like, I can't use my Oura Ring unless I pay the monthly subscription. Oh, that is so dumb.

I know. I don't like it. And like I love my Aura Ring to bits, but I also kind of go, maybe I'll change this like one called a Superhuman Ring that has a free app and I'm kind of like, oh, I'll move off that. So like I think other consumers feel this way as well. It should be a free app. Like we all want a free option and then maybe pay for upgrades.

Totally. I get that, right? Like Fitbit, and that is a mozza, that ring. So it's like you've paid surely, well, and truly. Anyway, enough about that. I'm getting angry now. You know you're mad about it. So what kind of things should we be watching out for right now? Yeah. So first of all, it's a US company competing with, I would say the US giants.

So it's competing with Apple. It's competing with Google. And I mean, the first thing I did when trying to explain Life360 to you was like, find my friends on Apple. So clearly there's competition, but these platforms like Apple and Google, they actually already have these systems built into their devices. So like find my friends is free for me on my iPhone. So like, why would I go and get life 360 if there's already a free version on my phone? Yeah. Right. And I think that having that pre built in location sharing tool might be, I don't know, something that is a risk for them. So they have to stay ahead by offering better features. Like they're going to need to be more accurate. They're going to need to build more loyalty. Like they're going to have

to be quite strategic about that. And while their subscriber base is growing, I would say the valuation is a little bit rich. Like when you break it down, their share price is already reflecting, I would say very high expectations for performance. Like, yes, it is so cool that they have increased. Yes, it is so cool that like it's a hundred percent up. Like, and yes, over five years they've increased a thousand percent like big dogs let's go but i would say that set high expectations but like we went back to the point that you got a little bit stuck on before you're like what do you mean they haven't made profit yeah exactly beck exactly so any sleep in performance or any like slow down in their growth could actually spook the market and

people might start selling and being like i was excited about life 360 now i'm not so i guess life's 360 they have a really sticky product like once you're in the eco it's like people who are already in the apple ecosystem yeah so hard to leave so hard to leave i get that but having a sticky product means they have lots of ways to scale but you have to be comfortable with the fact that it's still in what i would call growth mode and it's being priced that way yeah Okay. Okay. So that was, I mean, my biggest takeaway here is that I, not to give advice, there are a few things on here that I just kind of want to keep my eye on. So we've made it through this big list of five. What's the big takeaway you want to leave us with? I guess before we wrap,

I want to do another disclaimer because I'm always so anxious talking about share prices and stuff. But everything you and I have been chatting about today, it's just a little bit of a snapshot in time, right? It's just a snapshot in time. Past performance is not a reliable predictor of future performance. And I want to drum that into absolutely everyone. And it's just based on where markets were when we hit record on this episode today. Like things could change. Like you could be listening to this episode literally two days after I record it and life 360 could be through the floor. That's so true. Who knows? So, you know, take everything with a grain of salt. Yes. Share prices, they move and they move fast. And even in the last week, some of the numbers will

have shifted, right? And that's okay because we're just having a chat about it and we all have our heads screwed on and you're not going to go make an investment decision based on this conversation, are you, Bec? No. Absolutely not. And while a company doubling in value might sound really sexy and it might sound really impressive, that doesn't actually automatically make it a good investment right now. Right. You might go, they've doubled. Fantastic. I want to get on that train. Sorry, sit down. just because you saw the shiny train doesn't mean we need to get on the shiny train you don't even know where it's going totally maybe it's peak could be overly expensive yeah sorry are we

overpaying for things in 2025 no absolutely not and yes in some ways it could be priced for what people will hope will happen which is a lot of what we've seen in this episode and it's not what I actually guaranteed so I mean I'm still a blue chip stock kind of girly and no matter how shiny something looks back, whether it's gold or tech or furniture or pharmacy, you literally never want to put all of your investing eggs in one investing basket. Like I'm not going to go buy just pharmaceuticals. I'm not going to go buy just gold because as we said before, gold performs when the market's in turmoil. Yes. And we want to spread across everything. We want really good diversification. Did you just say hedged? Yeah. Get it queen. Get it queen. Thank you. But diversification is the

name of the game, right? We want that. And the goal is to build a portfolio that weathers all of the different conditions and ultimately helps us create wealth, not just looks shiny and is a bit clickbaity and, oh my God, I saw this online and I'm going to buy it right now. That's not how we, we don't chase what's going on in the moment. We get to look at it. We get to be pervy. We get to watch all the TikToks. We get to have a yap about it. We get to listen to podcasts about it. It doesn't mean we're buying it. Okay. Yeah, totally. And of course, if picking individual stocks is not your thing, which it doesn't have to be. I think I've told you guys before pretty publicly, I'm an ETF girly. She's an ETF girly. I'm an ETF girly. Or if you just don't have time,

there are so many other ways. You too could be an ETF girly. You don't have to keep up with every market move or you could do what I do. Keep up with every single market move because you're really interested in it. But in the background, you're actually investing portfolio. Really vanilla really basic she's a little bit boring but like girl you best believe when i retire i'm gonna be pretty well i know you're gonna be oh my god i'm gonna be okay you know yeah you're gonna be okay like i've put myself in a position where i can comfortably say that the coffees will be on me yeah okay you know and that's the position i think most of us want to be in i will remember that for 60 years i mean you probably remember it now i don't think we've ever gone

out and have let you pay for a coffee sit down actually that's very true sit down so great tips as always viddy thank you so much i do try but i do love having a yap about the share market oh god i know you have good feedback let us know because then my producer will let me do more episodes like yes please say it's in the comments on spotify be like please emma please let victoria have more share episodes if you found this episode helpful make sure you're following the show we've got plenty more deep dives like this coming your way and we'd love to have you along for the ride hit follow leave us a review or share this with a friend who's trying to make sense of the market too i love this this is so cute it just reminds me that i want to stay in etf

girly like i love the drama i want to talk about it but it's like i'm that type of person who got i love to hear about the drama but like i don't want to be involved absolutely i want to hear what your friend did to the hairdresser i don't want to go to the hairdresser you know If Goss is dropped, if tears spilled in the forest and no one's around to hear it, did it ever spill? Exactly. Is what I'm trying to say. I know what you mean.

Let's go and actually get a coffee so that that can come out straight for the next episode. Good idea. See you later, guys. Bye, guys. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's on the money exists purely for educational purposes and should not be relied upon to make

an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's on the money are authorized representatives of Money Sherpa, PTY, LTD, ABN 321-649-27708, AFSL 451-289. Thank you for watching.