She's On The Money - BONUS EP: Launching our investment platform!

Episode Date: May 26, 2021

Surprise! It's us!! We're jumping on to give you every single tiny scrap of info regarding our very exciting Investment Platform partnership launch with our friends at Six Park. Any extra pervy details you're interested in - you can find them here! Love you!Just a note: This Bonus Ep about launching our investment platform with Six Park has been edited to clarify exactly how Victoria Devine will be paid from this partnership, and it is that in the event this partnership makes money, then Six Park will share part of the revenue stream with Victoria, and includes no Referral Fees whatsoever! Thanks friends!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. Victoria Devine is an Authorised Representative of Australia Pacific Funds Management Proprietary Limited ABN 34 132 463 257 - AFSL 339151.See omnystudio.com/listener for privacy information.

She's on the money. She's on the money. Hello and welcome to She's on the money, the podcast for millennials who want financial freedom. That was colourful. Yes, and it's colourful because we are so bleeping excited about this brand new, well, I mean, this is a bonus episode and I know you weren't expecting it. and I hope that you've already listened to today's ep or you're catching up on whatever

you're doing and you're just running around and then this little ep dropped into your hot little hands um because I believe they drop into ears but that's okay okay well I'll cut that out sorry so Victoria Devine is with me as always because we need to chat this amazing new thing that we're we're all so excited about it and I've cornered you I've finally gotten a minute alone with you to talk about this very exciting deal we've got i know what you're talking about does everybody listening know what you're talking about they never respond oh my gosh it's so they never ever respond um so i need to talk to you and bend your ear all about our six park collaboration partnership partnership relationship marriage fusing a marriage

marriage of two amazing platforms yeah which is super super fun i'm genuinely so proud of this so i've obviously been teasing you guys for a little while about an investment something something in the works and finally the announcement is that we have partnered with six park to bring you guys a cost-effective platform that goes genuinely beyond micro investing and it actually creates a way to give you guys access to tailored investment advice like genuine investment advice that will put you in the right risk profile and make sure you are looked after when it comes to investing with ongoing support which is obviously great but isn't that really expensive look it can be but we've managed to find a way with our friends from six park to make sure that that

starts at 10 bucks a month so how does it work so if i just hand you my ten dollars does that just mean that you go okay i'll put ten dollars into your account and we'll invest that ten dollars no absolutely not so there are obviously some prerequisites on this because it's not micro investing it's not like the platforms and the apps that we use in our community and that our community no one love right like you guys are all around spaceship and all around rays and we're not going to be changing that anytime soon like this platform is not here to tread on the toes of rays or spaceship god no it's okay like we're too aligned to those guys they've never sponsored at us but like guys don't worry we would never do that to them no I would never do that to you

I still love you but this is a way to get actual investment advice not just a fund that you put your money in and it's self-directed so it's no longer self-directed it is a fund that goes beyond you putting your money in and it's actually a full statement of advice and you get this big formal document that says hey with the survey that you've done and the information you've provided we think this is going to be the best way for you to personally invest and then you have to sign off on your statement of advice so for me this is so great because we found a way to make sure that that happens on a way that is actually far more accessible and that's 10 bucks a month which is also tax deductible because it's an investment cost whoa so the same way like when you're going

do your taxes your accountant is tax deductible yes yes so in Australia like this is completely off topic this is just me talking about this state of financial advice right it's something that all financial advisors get up in arms with because we all have to write a statement of advice to take you on as a brand new client like it's a non-negotiable so it's like a contract like a con but it's not just a contract it does include that but it also is a really big document that states all of the reasons why I believe that the advice I'm putting on the table is the best possible outcome for you takes into consideration your whole personal situation your financial situation the goals that you're trying to achieve and fits that all together really involved yeah

it's really involved and like some of them can be 80 80 ish pages like literally because they're so compliance driven and they take a really long time to write it costs us a lot of money to do right but in australia that's not a tax deductible cost like it's not categorized as a tax deductible cost it's only the investment fees that you pay after that or the ongoing maintenance fees that you pay after that that's tax deductible so in australia like financial advisors feel a little bit stooged because you can't claim the setup of your investment on tax which sucks but with our fancy dancy new investing platform with our friends at six park that's included in our fees yeah you have absolutely no statement of advice fee yet you still get a statement of advice which

is the money win so is there like some weird secret hidden sign up fee or something is that what I'm missing or is it actually just $10 a month? No, it starts at $9.95 a month and I can go across all of the costs. And I mean, it's probably better for us to be really deep in this episode because obviously you can head to our website to see the pricing and have a bit of a peruse, but not everybody spends the time actually deep diving because like who actually goes and reads the financial services guide? Not many people. I mean, a lot of you guys have been asking for it, which is great. And you can find it at the bottom of our website as well. That's very easy to find. But it's $9.95 a month on account balances between $5,000 and $19,999.

And then it becomes a percentage-based fee based on the amount of money that you've got invested because it just makes more sense that way instead of having a base amount. That would be quite standard across most financial advice relationships, I guess, where it would come down to a percentage. Yeah. And the standard when it comes to, like let's compare this apples for apples when we are saying financial advice we're not saying oh what about the raise fees and we can get into that later because i know you want to ask me about that because a lot of the community has been like what's the difference between raise and this option and there are actually a lot and i have my pros and cons list so you guys better listen out

so the average financial advisor charges about one percent of funds under management or fun as we call it yeah fancy it's just like one of those acronyms you can start throwing around a be like oh what farm have you got oh yeah that's my percentage farm yeah all good anyway that is how it works but when it comes to the six park pricing the next step up is between twenty thousand dollars and two hundred thousand dollars you're charged 0.5 percent of your funds under management per annum on account balances between that amount which means if we compared it to the traditional model of financial advice had you invested like let's say twenty five thousand you would be paying $250 in ongoing fees for that not taking into consideration that you had to pay

a big upfront statement of advice fee and any other management fees that they potentially would do that that's just the investment component on six park that is 0.5% which would make it $125 so it's literally half the price for advice that I genuinely have vetted and would give myself so why how have we made it so cheap that sounds like a fake question but honestly like how because because it's automated at the end of the day it's because it's automated and six park have this really fantastic platform that they've spent literally years creating and i'm not going to try and reinvent the wheel like i think a lot of people were expecting me to come out with my brand new shiny advice platform and we're good but we're not that good look no but i also just don't believe

in reinventing the wheel, like why fix something if it's not broken and somebody else has already done an epic job of it? It would actually be wildly irresponsible of me as a financial advisor who runs her own wealth business, who goes and actually podcasts 90% of the week away. How do you genuinely think I would go and create a platform that was well diversified enough and genuinely researched enough and keep up with it to be my personal investment recommendations? and I guess that's why at this point in time I'm not taking on personal clients because I don't have the capacity to service them and the next best step is finding how can we automate this process and that flows into the question of like well why is it only investment not superannuation

and not insurance and my answer to that is because I genuinely haven't found a solution that automates those things to a level I would be comfortable with whereas with those investment amounts that you are making on Sixpack, like the advice is kind of a no-brainer. Once it goes through that, they have these really great investment platforms that I'm so excited about and they're so well diversified and they're made up of so many different ETFs that you've probably heard of. They hold Vanguard ETFs and BetaShares ETFs, which, you know, if you're into investing and you are directly investing yourself in ETFs, you'd know those names, but it doesn't mean that it is the solution for everybody right you might want to go and invest on your own and be a diy investor

you might go v i don't want to pay another fee to invest when i can just go buy an etf on my own which is absolutely well and fair like we're throwing this into the ring as a really great option we're not saying it's the only option that is available to you guys and i want you to do your research like how many times have i said on this podcast please go do your own research and inform yourself inform yourself and make sure it's the right decision please don't jump on this because it. So she's on the money thing. And, you know, I'm so grateful to have your trust if you are jumping onto that, but please go compare it. What is the outcome that you're trying to achieve? Is this the right solution for you? And we've tried to provide as much information as possible on the

website. So you can go, oh yeah, that makes sense. But if you're an accomplished investor, maybe you do want to do it on your own and you're completely capable, but this is genuine advice that not only just tells you hey tony this is where you might want to invest but it furthers it and gives you the ongoing support that you might need so you might want to call a financial advisor and be like hey what is my fund doing how does this work what does this mean six pack provide that so it's going to be my next question before you said oh they've figured out a way to automate these systems and that's why it's so cheap but does that mean because that scares people right when you hear that it's it's automated so does that mean that i'm calling up and talking to a robot on the phone

or do I have access to someone? Absolutely not. You have access to somebody. All of the process is automated though. So when you do financial advice, you fill in a fact find and you fill in a risk profile assessment and those parts have been automated. And with all of their algorithms in the back end,

they would spit out an outcome that makes sense. Yeah, like science, technology. Smart people style. Guys, obviously I couldn't create that myself. That's why I needed six part. And that's fine. Yeah. obviously, but it's one of those things where this just makes sense. So, the automation part

of that, it's kind of the no-brainer. It's like the start position, but you can ask them questions. They will, on an ongoing basis, rebalance your investments when it's necessary, which means that they're going to take all of the investments that are in action or your trading strategy and bring the portfolio up in a way to make sure that it's always on target for your asset allocation and what your risk profile is. Because over time, if you're just investing into one ETF, there are changes that need to be made. And you have access to a really beautiful customer support team who are there to guide you through your journey and answer literally any questions that you might have. And that are actually constantly servicing your portfolio. 24-7 their

job. I have gone through, I cannot tell you how many people I've met who have different platforms that obviously look let's be really blunt she's on the money has so many beautiful community members in it and we have such a beautiful level of trust that I wanted to make sure we found the right solution not just the shiniest solution that could be sold to me so that you guys got access to it because people wanted that opportunity and it just wasn't the right thing to do and then when Six Park came along and I looked at all of their portfolios and the way they work and you know I've met with every single person on their team and had a conversation with them and understood where are you from what was your history how do you work why are you here like an actual job interview

with all these people why would you do this and I've literally gone back and forth and they've recently introduced sustainable investing and this is why it's taken so long because I didn't want to present this to my community until there were sustainable and ethical options on the table for you guys because it didn't align to my values and the sustainable options that they've chosen are really popular options in the community already like we're not talking about reinventing the wheel right like they are picking a portfolio of great etfs for you if you want the support we are absolutely not saying this is the only way to invest this of course on the money way yeah it's not we are just making advice more accessible and accessible obviously that's all well and good but

$5,000. I don't have a spare $5,000. And that's a very good point, Tony. And so many people in our community have brought that up. And you're right, they don't. But this is not trying to replace a raise or a spaceship or your savings strategy. Because in raise, I can invest 10 cents a day after it's rounded up my $3.90 for a coffee. Yeah, absolutely. And that's one of the key differences here between raise and six park. And you know what, I'm going to create a blog comparing them all because I feel like there's been a little bit of confusion around what it is because we're not a raise we're not a spaceship we're not trying to compete in those spaces in fact I still want you to use those platforms and learn about investing and start your journey and

once you get to the point where you're like Victoria what is next what comes next how do I access financial advice because I now have five thousand dollars in my platform then you're more than welcome to so this is purely for if i outgrow raise so if i feel like you're outgrowing raise or spaceship or want to take it to the next level and get proper advice this is where we are going for investment advice so we're not trying to replace these solutions we are trying to complement them because in our community the amount of messages i get that say hey victoria i've been micro investing for the last 18 months and listening to the podcast and i'm so motivated and inspired have you got a recommendation of a financial advisor I can talk to they go yeah I

would love to do that but so many times you just don't have the funds available to pay for financial advice and then invest on top of that exactly so it's all well and good to have the the minimum three thousand dollar fee to go to a financial advisor but if that's all the money that you've got saved then that's not going to do any favors exactly and as you said before raise is a really great option. It is a roundup option. However, the way you would have got access to that is downloading it on your phone and just selecting a profile because which one do you pick? And the amount of times you guys have posted in our community being like, which profile do I pick? And I go, no, this is serious. You need to go through a risk assessment. Like this is why-

I don't know what one minds on. You're going to have to look at it after we finish this. We'll locate the chat about that. But I don't want people just pick it because other people are picking it. That is not how investing works. It needs to be personal to you because personal finance is that it is personal and Raise is actually a self-directed micro-investing platform. Self-directed is the key there. Whereas Sixpack, you actually get a statement of advice and your personal situation has been taken into consideration and what you're investing and what returns you're expecting in relation to your risk profile and how well it's going to go. And I think that that is really important and that is the key difference here. Like we're not, I don't know, Raise is $3.50

a month for a standard portfolio under $15,000, whereas we're $995,000. That's obviously a significant difference, but there are a whole heap of differences. And I'll go through them because I've actually listed off a number of them because I think they're really important. But we are consistent advice, ongoing advice to make sure that you're consistently okay. And it includes any revisions of advice that you might need and updates and access to a financial advisor to ask questions and it's just a different solution Tony it's just a different option it's not comparing apples with apples and going oh yeah but the fees over on raise much much lower because it's when it's not comparable because you're not trying to replace that absolutely I'm

not trying to replace that and I never want to because I think that they're great platforms and you guys know I use both of them yeah but if we want to take some other comparisons which I've said historically are really important. I want you guys to be the underlying owner of your asset, right? Something like Raise, you don't actually get the underlying asset. That investment is not registered in your name. They are held by a custodian, which is Raise, and you don't actually have access to that. Whereas through Sixpack, the investments are registered in your name and you actually retain legal ownership of them, which is really cool because we're growing a portfolio that you own and you're in control of. And I think that that's so powerful. And if you compare it

to raise again, when it comes to sustainable options, which I'm obviously really passionate about, there's one option, there is Emerald and it's great. Fantastic. I'm so glad you guys have access to that, but we have five different options based on your risk profile. And I think that that's really powerful because if you've only got one option and the ethical option doesn't have a risk profile that's aligned to your values and what you're trying to achieve, you kind of feel a little bit swayed into picking that one option with no level of risk being taken into consideration. It just, to me, doesn't make sense. Yeah, you're right. It's not going to be for everybody and it's not going to be, you know, super accessible. And I don't want people to be disappointed because

I've launched this product and you were hoping to buy in for $2. Like, I feel like it would be really unethical of me to have the values I have, which is really good quality financial advice and getting that and then start a platform where I invest for $2 or $5 or whatever it is because I can't well diversify you. I'm not there for the long term. I'm not there for the journey. And for me, this was creating a platform that could last you till retirement if you want to stay there. Yeah. I think the interesting thing that you've brought up that I've actually learned while we've been chatting is that all of the number crunching is robots, but you actually chatting with people which I didn't know that you had access to a person which in these situations

I mean and we're talking about five thousand dollars as a minimum which is a lot of money for people to to invest with especially if it's their first time post going with raise or whatever but to know that you've got someone that can hold your hand and you know make you feel a bit better about it and reassure you and also for me and this isn't me blowing smoke up your bottom because I love you and because we work together but also if it's something that you've talked about and that we're opening up to our community I know that it's something you trust yeah absolutely I've seen the pictures of the people from Six Park and they look lovely too okay that's what makes it really they are but you've also met them and you've seen in the background how many conversations

I'm having around yeah Mr. Life and making sure it does align to our community and even just like the wording on the website I'm like oh my gosh I want it to be perfect I want people to really understand what we're trying to bring to life here because I didn't want to be compared to raise or spaceship, which was kind of inevitable because that's, I guess, the easiest thing to compare to, right? Whereas in reality, you should be comparing it to actual financial advice. Like how much would it have cost you to go and actually see someone in person to get that advice written and then have ongoing contact with them? It's really expensive. Yes, there is the initial hurdle of $5,000 to invest. And to be honest, if you have less than $5,000 to invest, you can still

use the platform if you want, what will happen? So, you take the assessment and then after you've agreed to your financial advice and you're signed off on your SOA, Six Park will set you up with your cash management brokerage accounts, but they just won't trade on your behalf until you have a minimum of $5,000. So, you can go and get the advice if you really want to and they'll say, yep, cool. When you get to this point, this is how you would invest. And if you're working up to your $5,000 to be invested, you can use that as the contribution hub, right? You can start contributing to that. So, it's in your actual cash management hub and it's a part of your investment strategy. And once it hits $5,000 or more, they will invest your money into your

carefully selected portfolio, which I think is really important. And the reason that hurdle is there is actually for your own protection. It's not because we don't want you to get good quality financial advice on less money. At the end of the day, I'm sorry, but you're not going to retire with $5,000. You need more money than that to actually invest for the long term. We are contributing to it on a consistent basis but we want to do that in the most responsible way and for us to do that you need five thousand dollars to make sure that we are across the board well diversified and are providing good quality advice anything less than that and it just becomes really fickle and that's where we say you know what enjoy your micro investing

platforms enjoy spaceship enjoy raise enjoy all of the other options you've got or just save until you get that point but i have had a lot of people slide into my dms and say hey victoria like i don't have five grand like i still want to be on the platform you can be you absolutely can be and i think that's really special that you guys really want to be involved but i only want you to do it if it works for you personally because this is just another great option out of all of the paths you can take to investing or micro investing or whatever this is just another option for you so as if this was a money diary episode yes um i want to know the pervy details of course you do so $9.95 a month what are you what are you getting for that should i just go straight

yeah like how am i being paid yeah how are we how are we doing or should i just go straight to six park like what's the you can go straight to six park absolutely you can it's the same price like we have not increased the price for she's on the money members because that would be wildly unethical like that is not who we are we haven't slapped a pink tax on it and just gone you know what it's peach so it's more expensive this isn't razors my friend this is genuine advice that I genuinely believe you deserve access to and to be honest we have the platform like we've got this beautiful she's on the money community and it seems only fair to share that but on top of the access to Six Park which you guys obviously will get and that team I actually have I guess you

could say like a level of guardianship over our community so I have the ability to log in and see you guys as my quote clients and I have the ability to see what's going on in your portfolios and make sure that from my perspective they're all running well and they're performing and I'm happy with it like that's something that I'm going to be meticulous about checking and making sure that we're on the same page with Six Park and you know if I ever have any concerns which I haven't yet. But if I ever have any concerns or you guys have any concerns, I want you to come straight to me so that I can address it because it's not as though I'm just referring them to Six Park and clipping the ticket and getting a referral fee. That is absolutely not the case. And in any event

that the partnership ends up making money, then Six Park will share a part of the revenue from their management fee with me and nothing extra. You're actually being our ferry investment godmother. Exactly. And like the benefit for me there is more long-term. If you want me to be completely blunt about that. It's, you know, at some point, some of you will convert into being really big investment clients. Yeah, which is what you want. You want us to be a massive cash cow. Exactly. But not in that way. I just want you to be financially stable. This is a really great way to start investing properly. But then also, I'll be able to see if you're investing $200,000 a month and I'll go, you know what? You're probably a little bit beyond that type of advice.

It's time to graduate into something bigger and get some more holistic advice and, you know, plug in your insurances and plug in your super and I'll be able to see all of that. So, for me, it's an opportunity to create an environment where you can invest with good quality advice that ultimately helps me be here for the journey for the next 20, 30, 40 years because Lord knows that's how long I'll be talking about financial literacy. Oh, my God. You're going to be here with me for 20, 30, 40 years? I hope so. Please don't leave me. Are we going to run out of things to talk about? look probably not on this episode though yeah no i've definitely got way more questions so we put

out a little post to our lovely community and um we had a post you did i have nothing to do i do all the work here yeah you were like i am going to be asking victoria questions she doesn't consent just yet but whatever will bully her into it yep i'm all for it is how it works um and we had someone ask what's the difference between this and this being our six park partnership yes and a managed fund okay so good question i didn't ask ask it someone else who is smarter than me yeah okay no problems that that makes sense like not being rude that's fine but i was like managed fund today you were like etf what anyway your assets with six park are actually held in your name which i've i've already said on this podcast but that's really important and each etf not just

like one all of them will be held in your name so unlike a managed fund or your micro investing platforms which don't allow you that level of ownership right so the six-pack advice is solely limited to investment management which you know what could be a downside because it's not holistic financial advice it doesn't take into consideration your superannuation it doesn't take into consideration your insurance needs but nor do we want it to because i just don't think that there's a holistic platform out there that's going to provide you with the solution that you need like it's just that one size fits all doesn't exist exactly so six park are actually helping by providing investment recommendations that are aligned to your plans and your horizons and what

you're planning on doing they not only set it up but they manage your regular reinvesting which adds to long-term returns by the way which is kind of sexy toner roddy i agree so to sum up we've been from the top to the bottom of this and how it's going to work and how we're going to help people get their money working for them and we've said this is a really exciting opportunity for us and for our community to be part of our team and the Six Park team and I know that you said you're not going to be a millionaire from this or anything why do it what's the what's the benefit for us as a as a brand to kind of be part of this have a she's on the money platform yeah well that's actually a really good question and I'm really glad that we're addressing it just purely because

I want you guys to feel like I am open and honest and transparent with you because there's nothing I won't answer like I feel like I often give too much more that I often feel like I give more than what I need to give because I'm like nah guys like legit I did my research I don't yeah I don't want you to feel uncomfortable with anything and you know what money makes everybody uncomfortable yeah and they're so quick to jump to a conclusion and go oh my god Victoria's got a platform $9.95 a month oh well raise is $3.50 a month that is awful those fees are exorbitant and you go yeah okay if we're just looking like for like but they're not actually the same offerings like this is a full investment strategy tailored to you there is a hurdle to get in it is five thousand

dollars you're not going to be able to jump on it with your first 500 nor do i want you to jump on straight away i actually want you to get to that first five thousand dollars because this is that next step i'm not asking you to do it in replacement of raise or in replacement of spaceship or you know your roundup whatever app you're using but that we grow into this kind of growing into something like this and I'm responding to you guys asking me Victoria I want financial advice uh who do I talk to I don't want to spend three thousand dollars and I go far out it's just not an option there has to be a solution out there that caters to this gap in this massive market and six park really filled that in and I'm really proud genuinely so proud of what we're putting on

the table here with them and it's not just me going and slapping my brand on the six park portfolio and being like wow I did it and charging 20 extra dollars yeah exactly it's absolutely not the case I'm actually doing it to provide another level of value because I know you guys trust me but I will have oversight over all of this like I can log in and see how many of you have already signed up and see what's going on and I just how exciting yeah but I get to be on that journey with you without being your direct advisor because I don't have time for that and I'm not saying it's because I don't want to make it but I literally couldn't service the level of clients that we can with the six park platform to the level and quality that they can like it's epic like how

cool would have been if I'd done that all myself I wish I could yeah but again then you'd really be making a lot of money gosh yeah then I might actually start making bank on this but genuinely it's not about followers it's not about making money this you know I could have done a lot more things Tony to make a lot more money oh god talk about that off the air but yeah but it's genuinely only so that I'm making investing more accessible and affordable. And I don't want you guys to get confused about accessible being $5. Accessible full investment advice is very different to you being able to start your investment journey on a spaceship with your first $5. And if you want to start there, these apps are fantastic. They show your investment reports. They show you the different

portfolios that you have choices out of, and they teach you what it's like to invest and you get to experience the ebbs and flows with a much less amount of money. Whereas when it comes to five grand, that's a lot of money. I kind of don't want you to be going into your first time ever investing if you're like, yep, cool. I only want to be on the shoes on the money one. I get it. But I don't want you to not have had that experience. And this is why we talk about micro-investing platforms. And if you haven't heard our podcasts on those, go back, listen to the podcasts on micro-investing. We did a part one and part two on investing. And then we did a whole little investment series earlier this year. I genuinely want you guys to be in control

of your own destiny and your own investment portfolios. This is just another really great option to put into the mix, which I can say I've fully vetted and get behind and am actually on that journey with you. And for the people that have already joined, I'm so grateful. But you'll hear from me. I will be emailing you updates and telling you what's going on in the market in the same way that I always explain finance, in the same way that I talk to you guys in our newsletter and talk to you guys across our podcast in a way that I think is relatable and easy to digest and just makes sense. Because that's what's important to us. Exactly. And that's why I'm so excited about a platform that enables me the flexibility to talk to you personally on a regular basis about

your investment platform while still providing really good quality investment advice. I feel like this is a really good place to leave it and I hope that you are feeling as excited about this as I am because I just it's a genuinely beautiful opportunity to get more people investing or at least considering it yeah well said thanks for letting me Benjeria for for all that info look I really appreciate you hustling me into a pod studio so that we could do this I think it has been really important because sometimes you know we did an IGTV we've done some posts this week on it and it's kind of like well what is it and hearing it from me and why I actually am choosing this and I'm so behind it and I'm so proud of it is really important yeah and I think that you know

in our team we've been so proud of it this week and just the uptake of who's getting on board and you know even saying the media around it like it is really special to open something up to such a large community and it's been an honor honestly to be able to open something up that otherwise you know 10 15 years just wasn't accessible we had to go get advice we had to spend thousands of dollars on it and i genuinely think you deserve better um and if there's anything that you kind of need to rehash or have a look over or to get any more information um there's an amazing little page on our website that you can go to and click through it's not that little actually it's huge there's some um frequently asked questions on there that you drop down which

is very fancy i did all the coding for that myself yeah you did wow we're just we're i'm a web developer we're a real one-stop shop at the moment aren't we god you can get everything um we're also going to be popping out a little blog post that outlines all of this stuff but um i feel like let's go should we eat some lunch yeah let's go to lunch i'd actually love some chicken gosh that is not what i feel like tony but before you go to lunch we'd like to acknowledge and pay respect to australia's aboriginal and torres strait islander peoples the traditional custodians of the lands the waterways and the skies all across australia We thank you for sharing and for caring for the land

on which we are able to learn and invest. And we pay our respects to Elders past and present and we share our friendship and our kindness. 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.

And we promise Victoria Devine is an authorised representative of Australia Pacific Funds Management, Proprietary Limited, ABN 34132463257, AFSL 339151. A quick note, guys, just in addition to today's disclaimer, we wanted to just note that we have edited this episode since you maybe listened to it the first time. And the reason for that is to make sure that we had absolute clarity on exactly how I get paid. Tony and I got really carried away with the conversation we were having because we were so excited about it. I wanted to make sure that you guys knew exactly how i get paid i think the main thing for me though was that we don't get

referrals from this service however if the six park partnership actually ends up making money which would be brilliant i do get a percentage of their management fee which hasn't been increased in any way shape or form from their actual offering it is exactly the same as the direct six park offering it's just that six park will share a little bit of their profit with me which is very fun and if you do have any other questions about our six park platform and our integration with Sixpack. We would love it if you send us a DM on Instagram or reach out on Facebook or send us an email. You can find all of that information at the website, which is in the show notes. We would also love it if you joined our Facebook group. If you search She's on the

Money inside Facebook, you'll find it. You can ask any questions at all and make sure you follow us on Instagram to get all the latest info. And what else? I think that's it. Is that enough? Absolutely. Everyone's had enough of us today. Yeah. This is the second episode that's dropping into their feed. We will see you on Friday, friends. Love you. Bye.