She's On The Money - Victoria & Brooke’s Investing Watch List: The Shares, ETFs and Trends They're Tracking

Episode Date: September 9, 2025

Victoria and Brooke are always swapping notes on the shares and ETFs they’re watching... so we thought, why not let you in on the chat? This isn’t a “go out and buy” list. It’s the inside scoop on how they think about investing, what’s caught their eye, why it’s on the radar, and what has to happen before they’d actually jump in. It's the kind of financial gossip we live for, and it’s your chance to get pervy about what’s living rent-free in their investing brains right now.In this ep you’ll hear:📈 The beauty shares that sparked a debate about whether the market’s got it wrong📈 A cult business model that's got Brooke's attention📈 How our daily cofee fix is secretly shaping this global brand📈 The ETF that's giving Warren Buffet energy📈 The crypto angle you probably haven’t thought about yet📈 The tech company Victoria is fascinated by… and cautious ofLEARN TO INVEST CONFIDENTLY: Our Investing Masterclass is open, enroll here. 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's here to show you that investing isn't just for the rich it is for you too i'm your host victoria divine and recently one of our very own team members gave us a little peek into her investing diary yes she makes our tiktoks builds our courses and is responsible for the chaotic memes that you see on our feed. But plot twist, she's actually a very seriously impressive investor. You loved that episode and our DMs blew up for more. So I flew her over back from Perth. And because I'm all about giving our community exactly what they want, Brooke is back today. And this time we're getting pervy on the

shares and ETFs on her watch list. So Brooke, welcome back to the show. Hello divas. I'm very excited about this. We're also going out for dinner after this. I know, I've actually re-looked at the menu. Have you like picked everything that you want? I've mentally made an order. It was how I got her to come from Perth to Melbourne. I'm in the correct time zone. I got up at 5am. We're here, but it's worth it. I love it. All right. Before we dive into this, I feel like we need to be like responsible human beings and just like the last episode you and I did we probably need to do a little bit of a disclaimer um so past performance is not a reliable indicator of future performance and the advice that is being given isn't actually advice we're just two girls having a yap like guys

I'm a retired financial advisor not a current financial advisor so everything that I say and do has to be taken with a grain of salt we are sharing information that is available at the time of recording like something could happen tomorrow and we drop this episode and you go well that share price isn't accurate yes so please don't take what we're saying as gospel because as we know in the world of investing things can change literally overnight and I think that it is a very important thing that we kind of stay on top of that so these are just like our personal thoughts and feelings and Brooke might say her favorite color is blue but you go well my favorite color is red and that doesn't really matter we're just having a chat right lucky you're wearing red today

I know. And I have blue nails, so it all works. So everything is matchy matchy. Before we jump in and get started, I need to know, how do you personally like to research? Because I feel like this is the number one question, or not the number one, but one of the number one questions we get. People are like, V, you say do your research. The heck does that mean? How do you keep up with the share market? I think for me, I pretty much only invest in things that I'm interested in. So the things that like I care about are pretty much... Crude oil. Yeah, crude oil is number one. What do you mean? I love fuel. No, like if things don't interest me, I'm not going to research them. Like if it's boring, why would anyone research it? So it's more so just looking at industries I'm

really interested in. So say it's the tech sector. Well, I'm following the news in the tech sector. And if I hear a company mentioned a couple of times, I might go then search it and see how its shares have performed in the last five years. Obviously, past performance is not an indicator of future performance, but sometimes it can tell you a lot about, oh, well, if they've grown X amount in five years. And it's been sustainable. Yeah. What are they doing? And then you can look in, you can read up about those companies. You can do a little Google on TikTok. See if anyone's talking about them, read their annual reports. I love the TikToks. Yeah, because people are really interested in so many random things. So someone else besides you is definitely interested.

So if you search it up, there's probably someone that's made a video about it and you can just watch, learn a bit and then learn a little bit more. Exactly. And I think obviously don't take TikToks as gospel, but I don't know about you, Brooke. I find that TikTok seems to be my like number one search engine. Yes. I want a new vacuum. Cool. I'm looking it up on TikTok first to see what other people think. And like, I want to see a video. Yeah, exactly. Like the amount of robot vacuum videos that I have watched recently is kind of unhinged. That and duck videos. But what does it take for something to go from like you being, oh, I'm kind of interested in that. I'm looking it up on TikTok. I'm looking it up online. I'm Googling it. I'm reading their reports

to actually go and, you know, I'm going to put some money where my mouth is. I want to make an actual investment? How do you do that? Yeah. So, well, I guess it depends. Like I'm sure we'll do another episode on like core versus satellite, but it's a different approach for both. So if I'm looking at like an ETF, I feel less concerned about researching it really, really, really heavily because it's quite low risk. Whereas if I'm looking at a direct share, I'm researching it heaps and then I'll pop it on my watch list and I pretty much will never buy something within 24 hours of putting on my watch list. I'll put on my watch list. I'll wait a couple of months. So shopping rules apply to investing.

General's apply to investing for sure. And it's going to be things that I'm actually interested in. So say it's like a random shop, let's say looking at Bunnings. If I'm interested in Bunnings, I add Bunnings to my watch list. You wouldn't, you'd add West Farmers. Yeah, well, I don't know. Yeah, perfect. So say I add West Farmers to my watch list,

I'll wait a couple of months, I'll go back and check. And if the stock price has gone up a little bit and their annual reports are still looking good, their price to earnings ratio is good, I might go, okay, maybe this is something I'm interested in, put a little bit of money in. I would never dump heaps of money in, put a little bit of money, test the water and then go, okay, I feel comfortable. Everything looks good and continue on. Yeah. And I feel like that's my

strategy as well. And I think a lot of people historically, when I've talked about that go, but it's increased in price, Brooke, do you still want it? And it's kind of like, I'm actually happy to buy in at a slightly higher price if I feel like it's still going to be sustainable. Like I don't want to go back in time and then realize I made a terrible investment because I was getting FOMO and I just wanted to put my money where my mouth was ASAP. So I think it's an important thing to not,

I guess, get worried about increasing share prices because the right time to invest is the right time for you, not the right time for the market. Yeah, and you can't time the market. So I'd rather get in now when it's maybe a dollar more than it was last week, but then in 10 weeks, it might be $10 more.

So I should be happy that I got in when I got in. And we're, yeah, we're going time the market. We're not chasing the lowest lows or the highest highs. Like we're just girls. We can't time it. We're happy with the average. Exactly. All right. Should we start maybe talking about our ETFs? Yes.

When you add an ETF to your watch list, what are you actually looking for? Like, are we looking at distribution of different companies? Are you looking at a particular sector? Cause that's interesting to you. Like, are you just looking for a top 200? I feel like there's so many different ETFs. Yep. I think for ETFs is definitely the two different realms you can go down, which is like the index fund side of things, you know, the average of everything or a thematic ETF. And in recent times, most of my core portfolio is like index ETFs and managed funds. But in recent times, I've been dabbling a lot more in thematic ETFs because there's so many different sectors that obviously are in those other ETFs, but they're

really interesting to me. And I think they're growing really rapidly. Backtrack. A lot of people are going to be like, girl, we'd only just started to dabble in ETFs. What the hell is a thematic ETF? What is a thematic ETF? that sounds scary yep so it's a medic ETF so let's go with for example what my first one would be that's on my watch list is the crypto innovators ETF so it's an ETF entirely around the crypto industry but it is not it's not bitcoin it's none of those it is companies that are building infrastructure for that so platforms that you would buy crypto on that would be in a thematic ETF for crypto like different infrastructures surrounding that topic so then you might go get

like a beauty etf and it's all beauty companies or like search engine like there is an etf for everything but they're really basically just means yeah niche sector it's not like a top 200 it's a like industry specific etf like if you were going to go for like a a fruit salad etf it would just have fruits and it's going to have no vegetables like that's what a thematic etf is it's just those small things that yeah tick those boxes and they're yeah typically made by a bunch of different companies like beta shares do some Vanguard do some iShares yeah iShares so yeah heaps of companies do them and there is a thematic ETF for everything and I think that that's where and you know not to try and sell thematic ETFs but you might go oh well I want an ETF and I've

maybe gone and bought like the high growth Vanguard top 200 whatever BDHG yeah and we are excited about that but then you're like but I want to be really specific maybe I should hold tech yeah and then you get a little bit confused and you're like, maybe I should like go and like do some research into tech companies. Maybe if you're an ETF girly, like we kind of are, we're not doing specific research into the individual companies we could research. We're doing research into a thematic ETF where you kind of go, all right, so I know that I'm interested in tech and I think that that's going to be good for my portfolio, good for my personal interests. I'm going to get a professional who's picked literally every full time job. Yep. Every tech company in that. So I

can say I've got exposure to tech. That's what I wanted. That's what I'm interested in. But the person who's picked all of those individual companies really knows what they're doing. Yeah. And it diversifies your risk as well. So say you're investing in one tech company, your risk for that company is 100%. You've got one. So if it fluctuates, if it goes down, okay, well, all your portfolio is going down. But if you've got, you're investing in a tech ETF, that's got 20 companies in it your risk per like share is five percent so it's those five companies if one goes down or the other 19 might be up you don't know so like it kind of helps you with that diversifying as well so if you're a bit scared to do direct shares it's like okay well you can just

still pick a thematic ETF and it's kind of like a direct share just with a little bit less risk but also it's still quite risky yeah and I feel like in 2025 with the changing nature of technology social media, I used to pick. So back when I was giving financial advice, I used to have basically all of my clients that had an investment portfolio with me owned direct shares. And we would hold between eight and maybe 12 direct shares. We would diversify in that. But I feel like now, because it moves even more erratically, personally, I've moved away from that. So my old investing portfolio used to be, I think 11 different shares. And then I started picking up an ETF. And I mean, that was my first investment, but it kind of went to the wayside when I thought

I knew better. And then now I would say 90% of my portfolio is just different ETFs. I've got one specific ETF that takes up 50% of my portfolio. Cause I go, sorry. Yeah. I trust this. Vanguard high growth. Love you. Like you just making me feel safe. Like it aligns with your goals and you don't it's like a it's not low risk but it's like you really trust what's in there yeah so you can put it in there and not have to stress as much and like my investing goals are long term I'm not here to try and find the next unicorn that shoots the lights out and makes me really rich because the probability of that happening is incredibly low and it's gambling like at that point it's gambling you're looking for that tiny little lotto ticket but you're not going to get

that so with ETFs it's low and slow and that's that's what we're doing so I asked you to come with a list of your ETFs and shares that are on your watch list. And I want you to tell me, what's the first cab off the range? It was mentioned in my investing diary because it's my best performing ETF, but I thought I would bring it back because the girlies want to know about it. And I mentioned it before, which is the BetaShares Crypto Innovators ETF with the ticket code C-R-Y-P, if you want to give it a Google. It offers exposure to global companies building the crypto ecosystem, including Coinbase, Riot Platforms and MicroStrategy. so it's not it's not bitcoin it's not actually crypto no it's the frameworks that are supporting

cryptocurrency development which i think is why i chose it because obviously crypto is so risky and i consider crypto a bit of gambling i'm sure you do too and i really wanted to expose that industry but i don't want to go buy bitcoin because i don't think really aligned with my investing goals but if that industry is going to boom all the things around that all the things around that are going to do well. So that's why it's on my watch list. I have been buying it for a little while and it's up pretty good. So I've kept it on my watch list. And every time I'm like, okay, well, I know it's going to crash because there's a very like niche thematic ETF. I'm like, oh, I probably shouldn't trust it. It keeps going up. And I think, gosh, maybe I am a financial

advisor. So I mean, it doesn't take much. No, like look where I've come from. I know if you can do it anyone can um the etf though is incredibly high risk so that is probably not one that everybody's kind of going oh i'm really interested in that but like sorry we're really pervy about individuals investing journeys have you got one that's maybe a little bit more low risk on your watch list that we could dive into the next one i have is global x fang it's a or global x fang plus the ticket code is f a n g yep i own this it tracks an equal weighted index of 10 global tech giants, including Apple, Meta, Amazon, Microsoft, Nvidia, and Tesla. So I picked this because I wanted exposure to the international market and I didn't want a top 200. Yeah. I think

with like, obviously being Australian, we have ETFs in the ASX 200 and things like that, but I don't really like index investing in America because I don't really know those American companies. I don't really care about them, like the lower ones on the list, but I want the big dog so having an etf like this is good because you're still really popular in our community for this reason you get still get that exposure to those top companies that we know and use like all those companies on the list we all know we either use or we've all been in a tesla in on an uber which we hated because we hate electric cars but it gives you exposure in 2024 the um index returned over 50 outperforming the broader s&p 500 so those 10 companies outperformed by 50 so

that's pretty good. And if you break down, like me being a bit nerdy, if you break down any of the top 200 ETFs, so like we always talk about diversifying your risk. And if you purchase a top 200 or a top 100 or even a top 500, right, you're getting exposure to all of those 200 companies. But most of the performance is actually driven by usually the top 20. So you'll see that they're blowing the lights out. But the thing is you can't pick a hundred companies and then I sit down with you and go, all right, Brooke, let's pick who's going to perform well. You don't know. You don't know. I wish I had like a magic crystal ball and could tell you because I'd be so rich. I know. I'd be so rich. If you just pick companies that you know, like I know those companies,

I kind of believe in what they're doing. So I can put my money where my mouth is and invest in something like that. Yeah. So what's its performance look like more long-term? Obviously recently it's done really well, but we're always saying, look, that's really sexy, but we need to zoom out a little bit. What's this like five year performance? So in five years it's up, get this, 158%. I knew that because that's what mine's been performing at. So that's looking pretty good. Like I'm not mad about that. Call me an investor. So I haven't purchased this yet because I have so many ET, like I accidentally have too much overlap. Yeah. I'm sure we'll get into that in another episode about what you do if you have overlap, but I have too much overlap in this sector. So

I haven't invested in this yet, but year to date, it's up 4.62%. So it's not doing that well, but that means that there's still time for me to jump in. But that's not a bad thing. No, it's not bad because we're looking for the average over the long term. Yeah. And also, I think it's important as well. These companies pay dividends. Yeah, they do. And they pay pretty consistent dividends, which is another reason why I am quite interested in this because as much as performance is really good. And I think that we've really focused on that for this part of the episode. We haven't really talked about, you know, dividend yield yet, but something that I'm looking at when I'm investing is like, yeah, I want to see a good performance over time. I want

them to see, I want to see consistent growth, but I also want to get paid. See, I don't care about dividend. See, I do because then I reinvest it straight in. Like my, my plan is any money that my investment portfolio makes. I have a hundred percent dividend reinvestment plan on and I don't pull it out. And for me, I'd go, well, that's kind of, it's secretly building in the background and me like for Fang, for example, I know I want to continue to own that. But when I put my little packet of my investment money into my investment platform on a monthly basis, that doesn't actually go to Fang. Oh, you're a monthly investor. I'm a monthly investor. That's very interesting. do you know why and like I think a lot of people would assume oh Victoria must invest like on a

weekly I would have thought you would do a weekly I don't do weekly because I sometimes don't know what my income can be okay so like I have yeah this is like this is like the pervy stuff that I don't think anyone in our business knows about how I get paid and do you know what it's not a personal finances but that's like it's not a secret no one's just asked yeah um but the way that my income works is I pay myself like a really base minimum wage. Like I can cover my bills. I can cover my stuff. Like my husband and I have a budget. And then depending on what's happening that month in our business, like whether we've, you know, for example, invested a whole heap in marketing or branding or, you know, and we don't do these things that often, but like, or we've

hired someone new or we've, you know, gone on a big work trip overseas. Manifesting everyone, manifest with me we're going on a big work trip overseas sorry I believe that you already have I know I've got a presentation to show you tonight okay whenever the girls like side note whenever the girls want to go to like uh you know a conference a conference or something which in our industry because we're in podcasting and in finance it's really niche like there aren't any conferences in Australia that are like oh conference for finance content creators like they have to go overseas and I say sorry if you really want to go to that you shall make a presentation for it but I want a presentation what am I getting out of you wait do you say

it is a delight I'll share it with the internet but when we talk about these things that means that I go oh well I don't really want to personally add any financial burden to my business by taking out some money and because I only know that 12 times a year back in the business yeah and like that's actually my priority so my priority is actually reinvesting in the business and having that grow as opposed to my personal investment platform. Um, so I only invest on a monthly basis and some months I can be like, Oh my God, I did really well. Like maybe I've done like an extra six speaking events. Like we've, you know, done a whole heap of advertising on the podcast and we've launched a new course. I might go, okay, well I'll take, you've got more

budget. I'll take five grand this month. Cause like, I really want to like, obviously still be self-sustaining so something for me or something that I get quite anxious about complete side note is that the business cash flow what yeah no not just business cash flow how long's podcasting gonna last yeah like I feel like I'm making while the sun shines yeah but I also need to make sure that like well if she'd hit the fan like I'm still financially individually stable so some months I might go oh I'll take five grand and other months I'll go oh it's 100 for you and it's yeah some months I'm like, we're just going to do the bare minimum, Stephen. And I think that's okay. But for me, it's not. It's realistic. Yeah. For me, it's not about like, oh, I have this plan and I

stick to it. It's kind of like my priorities are first as a business owner and then second as an individual investor who can create individual wealth. Cause like, hopefully by making that decision, my business will then in the future, make more money and all of that. Right. So you're investing in other ways. Yeah. And so that's why it fluctuates. Like if you looked at my investment contributions, I think I did $1,200 last month total. Yeah. And that was just because, as you know, we've invested a fair bit in lots of different things in the business. So many exciting things coming soon. And it's not a bad thing. No. It's just me. Different priorities. And we're so lucky, right? Very. I share quite openly like where our business cash flow is at

with the team because we're a small team and I never want anyone to feel this way. We don't feel in the dark we feel like we know a lot yeah but I do that because I don't want you to go oh she's a small business I don't want to ask for things or she's a small business you know is my job secure like I want you to feel secure yeah and I'd prefer to be sitting on a fair bit of cash and just take a little bit for my stuff so last month I think it was like twelve hundred dollars and then I added some more stuff from whatever that I had in my bank account yeah from not spending because I didn't have time last month I was impressed right but then there have been months where I'm doing five or even $7,000 because I'm like, okay, well I feel comfortable taking that out. Yeah. Does

that, I feel like that gives good context to the community as well. Cause they would be like, she must invest every single week. Maybe one day when I feel a little bit more secure. Yes. So what else is on your financial watch list? I've brought a few niche ones and I haven't purchased these ones. I know that on your watch list, you've got things that you're like, I'm still watching it because I'm still consistently investing in it. My investing plan is every single time I dump that money into my investment portfolio, it goes 50% to the one share that I, you know, have a lot of conviction in

and then I diversify, kind of drip feed it to the rest. These are shares that are on my watch list because I'm not sure if I want to buy in or not. So the first one is ASX ticker code moat. Moat? Yep. So it's VanEck Morningstar wide moat. Okay.

And I find this to be a relatively interesting share. So it's a US ETF that owns companies Morningstar. So Morningstar is like another beta shares or Vanguard. They're very well known. So Morningstar is, you know, as reputable. I feel like we don't talk about it as much. But they believe that these companies have durable competitive advantages in investing. That's actually known as having like a really wide moat.

So if you think about a castle, it's like a protective barrier, thus the name of the share. And they think that those shares look undervalued. So they're kind of like, oh, we're going to go and like have a little bit of a... What's the ticket code? M-O-A-T. M-O-A-T. I had Googled the wrong one.

So basically, and you're going to love this, basically it follows the Warren Buffett style of investing. Okay, and I love the Warren Buffett style of investing. So I think you'll be relatively interested in this. I would say it's a bit more of a like refined approach to equity investing so like you're not buying based on the size or like the hype of a company you're actually buying based on quality and price discipline which is why I've still got it on my list because it's like not as shiny as like a fang where you're kind of like I know what I get it like but you will know some of the

companies in here. So the portfolio is relatively dynamic and it has like, I would say a fair few household names. So owns like Disney, it owns Adobe, Boeing, Pfizer, Nike. Yep. So there's a fair few, but then there are a whole heap of niche that I've never heard of and that I can always guarantee you've never heard of. Well, that's kind of the thing that I don't really have in my watch list is things I don't know, because I feel like if I don't know, I shouldn't trust it, but that's not true because some of the best performing companies are companies I don't know. Well, the reason this came onto my radar, obviously like I'll tell you about share price and performance, but the reason it came onto my radar was because of their investment style. And

I'm a nerd. So I, I read, I know, right. Like I was reading the financial review the other day or no, actually a couple of months ago, it's been sitting there for ages, but they were talking about the investment styles being adopted by different ETF companies. And this one fell under the Warren Buffett style of investing. Interesting. Oh, that's relatively interesting because obviously I've said time and time again, I love that investing style.

That's really up my alley. Yeah, he's the best investor in history, so we should enjoy that. But if you'd shown me the list of companies, I would have probably been like, oh, I'm not entirely sure. Yeah. But because essentially their analysts

are consistently looking for what they call moat strength, right? I think it's so funny. I'm kind of loving the branding of all of this. I'm trying, I'm trying. Yeah, you're selling it to me. They define moat strength as like the brand power a company has. Yep.

Switching costs. Yep. Network effects and cost advantages. Yep. And those that are then like weighted on their scale, and please don't ask me because I don't know what the hell their scale is. I've just trusted that because they're analysts, they know what they're talking about.

Yes. The index then picks what they rate as wide. And then of those wide companies, it makes it to what Morningstar thinks is a fair trade value. Yeah, interesting. They're not looking for companies like, you know, Apple, which is blowing the lights out. You're not going to find that on there because they're like, well,

we actually probably think. They're looking for long term. Yeah, but they obviously think that like that might actually be overvalued because it's got too much hype associated with it. Yeah. So they're trying to do things that. I can be bought at a reasonable price. Boeing's boring.

Yeah. I'm not saying it's that, but it's kind of interesting. Well, Boeing actually has like an 11-year backlog or something. They have something like $6 billion on the wait list of how many pre-orders. But no one's talking about it, but like as an investment, I'm sorry, they've got good cash flow coming up for the next 10-plus years.

Yeah, they've got a duopoly. I am. That's a very cool word. A duopoly? Well, because there's only two main plane people. It's very true. Plane people. But essentially, they are picking those companies

and then I trust those analysts to have picked companies that they're like, oh, if they think they're undervalued, that's going to be a better recommendation than Victoria Divine thinking it's undervalued. And that's, people are working on these ETFs and these managed funds full time. That's what I trust. They're nerds.

They live off, love it. I know. And we love that. We love a nerd. Yeah. And they also rebalance the portfolio relatively consistently. So while it's been on my watch list, I've seen things drop off and come onto the ETF,

yeah which happens a fair bit in things like top 200s where they have to be like in the top 200 performing but like this is more active than just and that's why you pay that management fee with an etf or an index yeah so essentially they rebalance on a pretty regular schedule so holdings turn over as prices move and then ratings evolve so it's not just like they're the top 200 and it's gonna stay there yeah but also like the performance is the reason they're on that list yeah it's also So like the rating of their moat and they might go, oh, you're getting a little bit too popular. I'm going to have to use the word moat now.

Do you know what's interesting as well? And this is where ETFs become a little bit more complex. If I buy it today, I'll get everything in that portfolio. But just because an ETF company drops it from your portfolio doesn't mean you won't like still hold it. Like they sell it on your behalf, but you're still having had exposure to that company. And then it will be switched with something

that they think is actually a better option for you. Yeah, like if you bought it today and I bought it tomorrow, we might actually be holding different things. Say if you sold it tomorrow, we would have hold different things in the same ETF. Because of the way that they transact and we want to make sure that they're responsible about it. So in moat, they only have 54 holdings.

Yeah. And if we talk about share price, it's currently $124.83 per individual share, which I would say is actually relatively expensive. So 1.8% risk per company that it has. Oh, look at you. I've just done the math for everyone. Oh, okay.

Good job. You've got your calculator out. um yes and I feel like that makes me feel quite yeah because it's diversified yeah and we love diversification if we like look at its performance over a long period of time I feel like me explaining this I'm like why haven't I bought this yeah I'm like trying to are you selling it to yourself I think I'm selling it to myself um but also we should go shopping after this we should let's go to Mecca we're getting on the ETF market okay sorry sorry that's yeah I was excited um It's interesting because like I'm also relatively hesitant

because I do have a relatively ETF heavy portfolio. So when it comes to like adding another one, I'm like, cool. Is this worth my investment? Yeah. And also if I add it, what percentage am I doing? What am I diverting? Because it's not like, oh, I'm going to find an extra $150 a month or something to add this and consistently contribute.

Am I dropping down something to add this? Is it worth it to replace something I already have in my portfolio with XYZ ETF? Yeah. So the performance is really good. um i won't say it's blow the lights out in the same way it's no fang no but that's for a reason it's 10 year return has been 14.79 which is still above the market average which in america is 13 percent in australia it's like 11 or 9 yeah and five year performance is looking at uh 16 yes

that's good yeah yeah and then over the last year it was 8.6 which is still better than inflation yeah but then it's like if people are like oh that might maybe that's too risky for me that's why we're okay with the average. That's why we're okay with a normal ETF that's like looking at the ASX 200 or the S&P 500. And the income yield has been really good as well. So in addition to it increasing in value on average over the last 10 years, it has returned 3.47%, which is just nice like, cause that's in addition. And then more recently, if we like go down to five years, it's 7.94%. So I'm quite happy with that. I'm quite happy with that because as I said before, like, I don't know, call me greedy. I want to get paid. You're greedy. Yeah. But like,

I want to get paid. That's what you want. Hold. And I also want to collect and I want that collection of my dividends to then be reinvested. So like the money that my money is making is being reinvested and making more money. And like, that's where I guess, you know, the magic of compounding interest comes from because right now if I looked at your strategy yeah you like you do actually hold a lot of stuff that I hold but you're not so interested in the dividends your compounding interest is coming from your regular contributions yeah and in a perfect world I actually get 30 years in advance and my dividends is your salary is my salary that I can reinvest or I can go, oh, she's happy, she's growing.

I don't have to sell down a single share and then all the dividends that get paid out on a monthly basis, I start living off. Yeah, see, I think my investing strategy might change because we have a little bit of, not a big age gap, but a small age gap between us. It's massive, it feels massive. She feels like a Gen Z.

I am a Gen Z. I know, but like you feel like one as well. I'm 27, everyone. She feels like a Gen Z. I feel like a Gen Z. I know all the slang. I'm a TikToker. Like what I think is my investing strategy

is probably going to change as I get a bit older as I'm getting closer to the mid 30s to the 40s I'm sure my investing strategy will change hold on and I think a lot of us yeah I think a lot of us when we have a really good investment portfolio we become relatively protective of it like I don't like if I like it I don't want to have to sell something especially if I know oh I'm gonna have to live off that investment portfolio one day but like what if it's still performing like I don't want to sell something that's doing well so that I can pay my bills. Like I want them to pay my bills. So that's my little plan. So that's why I think whenever I'm looking at something, I'm like, well, what's dividend yield as well. And I think a lot of people in our community are going to be

interested in that. Do you have any more on your watch list? Yes. I have another one. I used to hold a, it was a Morningstar Asian All-Stars ETF. And that doesn't exist anymore. And I used to love because it like had all of these Asian companies that essentially blew the lights out and then they just decided we're not going to focus on that. We're going to re-diversify. So on my watch list is another Asia ETF because I want to get back into that sector.

I do have like little bits and dribs and drabs, but like I want a specific Asia one. I don't know. Everything good comes out of China. Sorry. Like basically everything we own, where's it come from? Asia. Yep.

so it's on my watch list but the etf that i have picked um the asx code get this asia really i love that they got that you know what i do wonder i don't know how this works how do they get a ticket code do they have to apply is it like a you just sorry like a username they don't get allocate you can request a specific ticket oh my god because you might have seen different companies that have specific ticket codes that aren't related to their name i know and some of are groovy yeah but they also have to be free as in if the ticket coder exists with someone else they're going to have to be a little bit creative so every other asia etf is not going to be able to have that yeah that is very groovy yeah anyway i think that's cool but it's owned by beta shares

it's the beta shares technology tigers etf that's a beautiful name i think it sounds real cute it does um but it is an etf again we're well diversified japan it does because japan has very different performance goals, especially when it comes to, I'll explain it and you'll go, oh, this makes sense. So it's got 50 different companies in it. So again, a bit of a smaller ETF and it has 50 of the biggest tech and online retail companies across Asia, not including Japan. Yeah. They have some very interesting companies. I'm having a little flip through now. Samsung, they've got TSMC, they've got Tencent, they've got Alibaba, which I think a lot of us would have already heard of and it's essentially a way to invest in global tech that's not just

US. So like I own Fang and that gives me access to global tech that is American. So like the big dogs, we're talking Apple. Has Kakao too, which is a Korean maps app, which is very cool. If you've been to Korea, you'll know Kakao. But I think that that's a fun one. And Viva. There's some very cool companies in there. Yes. So essentially it covers really fast growing sectors. That's why kicks out japan because japan's a little bit more i would say sustainable i thought samsung was japanese no am i wrong yes did that feel good yes um but it has like e-commerce as we said before like things like semiconductors and social media in japan oh sorry social media not in japan social media because cacao and naver are two very massive platforms in korea so and also you've

into Korea I love Korea no Facebook no Facebook no Google no TikTok no so they have to talk do they actually have TikTok but it's a bit China is it weird China doesn't have China doesn't have TikTok but you want like when you start thinking about that these are massive economies huge economies we all thrive on social media yeah so what are they creating that I could get in on and they're like very intuitive like those sort of systems like cacao and naver you can pay for things through them you can do shopping you can book appointments you can get like their equivalent of uber eats and they're all on those systems and i didn't know they existed until i was there and i was like wow they're massive they're massive their market yeah and you might not have heard of them

because they're just not on your yeah they're not on your like yeah but you're gonna be surprised here this etf does not have good dividends okay that's fine for me because that's kind of i think it's really interesting because again it gives you access to investments that are just not on your radar not on your radar but also like have become on my radar like I'm such a nerd I'm looking up so like and that I don't even think it's nerdy I think it's pervy it's market research if it's free on the internet yep and accessible we love we love a gossip so like looking at these sort of things is gossip what are you guys doing yeah give us the inside scoop looking these companies up on tiktok and being like what are other people saying about them yep just so I get

an understanding of what the hell that ETF's made up of because like not gonna lie the companies that you're talking about I now know of because of this ETF but I had no idea before because I've never been to Korea I've never experienced this no and then like you look at things like Samsung in Australia like everyone has either an iPhone or a Samsung but it's more on the iPhone side of things but in a lot of Asian countries it is Samsung it's Android it's those yeah it's those sort of systems it's like you want to be touching in that area because it's like okay otherwise I'm not going to have exposure to that because i only know this here yeah and i don't know if you know this because i know that most people don't know this but samsung actually supplies to apple for

their internal tech really a lot of the apple's internal tech this is the kind of gossip we need made by samsung and then shared with apple so like not the patented stuff but like just a lot of their tech a lot of their batteries like there used to be or there was a whole like thing on social media probably like five years ago where people would break open their iphones and like find Samsung batteries and shit. Tea. Anyway, I think that's really interesting, but it's not a dividend yielding ETF. It's more of a growth focused ETF, which is why I'm interested in it, because I'm still at that young phase of my like investing career. Yeah. You've got time for that compound interest. And I want the tea. I want to know what's going on. I feel like it's so

interesting. So returns are more dependent on those businesses growing and increasing and popularity which is my favorite style of investing yeah and like i haven't invested yet i'm being pervy um on it because i'm interested but i think it's also important to note that it is an unhedged fund so there's a number of currency risks that are involved and the hedge means that the currency risk is not involved yes so it's based on yeah so currency risk applies to this so essentially what that means is if the Australian dollar moves it actually impacts your returns and like that's something that you have to factor in yeah we factor it in and like I actually I love something that's hedged but I also love unhedged because sometimes it does give you better

returns and like these companies when they're putting together an ETF they're not like oh we can't hedge this yep because some of them are hedged yeah they're more likely to say well we won't hedge this because you know it doesn't really matter and they're smashing the lights out anyway so if currency risk is involved like let's just put that back onto our individual investors because that's another layer of usually risk for them to take on because like they're hedging but also another layer of fees because there's so much more like admin and organizing that they have to do so they kind of look at it and go well maybe it's not worth it for that um so it's an emerging markets risk obviously we know that asian countries have i don't know there's

just a lot going on with their government there's a lot going on with regulation a lot going on with political tension and they have such good food yes they do they just know their shit um but i think it's important to note all of that because it does make this etf a little bit more risky or like volatile yep share price though you're going to be happy my last one was relatively expensive What's this one? $12.25. I fear that's cheaper than a Big Mac meal. It is.

I don't have 10-year returns for you because it's actually only exist for the last five years. It's a baby. She's just a baby. And in the first five years they, or over the last five years, they've returned 8.03%, which is something that I wouldn't have been interested in. But you see the future for it.

Sorry, last year, 30.3. Okay. So if we zoom out, it doesn't look that good, but if we're zooming in a little bit, it does. I just had a little look and there was a dip in 2023, so I do wonder what happened there but we're not going to look at that for now because we're thinking about the future because the past performance that five years it doesn't matter because we that's not going to affect the future yeah so income has not been good no um so like

that's what's on your watch list yeah and that's why I'm kind of like I make these rules up and like guys I've made them up in my head based on what I'm comfortable with and this is what I want you to do not based on oh Victoria said you should no you have to have your own metrics I want dividend yield because I feel like in a perfect world, like I pick all these shares and like, I'm going to continue playing with it, but like, I just want that dividend income to become my income one day. So this share doesn't provide that. And I'm kind of like, am I going to give myself exposure to this in the short term? And then at what point, like they don't have any information online about the fact that they might become dividend yielding. So I'm kind of like,

oh like how good if they are just in growth phase and then all of a sudden it will change and that happens sometimes and that's the thing like yeah investment like ETFs and stuff are not set and they're not going to change their strategy yeah it's going to grow and evolve with the different people that manage that yeah and that's where I want you guys to sit down and like you've done this Brooke but like sit down and go okay before I even look at like ETFs what do I want out of this and like for me I want dividend yield I want consistent growth I'm happy if that consistent growth comes at the cost of dividend yield. So like I'd prefer, like if you said V, like what does your ETF perform? And I go, oh, it was like nine and a half percent. You go, but this one's

14. And I go, yeah, but this one also has dividend yield. And for me, that's more important. Like that over the longterm fits into my investment strategy. And I'm the opposite. I could not care less if I never got a dividend ever. If I just got really good growth yield, I'm like, Bob's drunk. That's what I want. So I think for me, it's sitting on my watch list still, because income is not incredible um but total returns have been pretty good I mean over the last one month it's done 7.95 over the last three months 9.12 like she's been consistent now working over time but I mean in 2023 there was a dip um it was just because of like economic tension yeah but that's also that's also the factor that you have to consider yeah so let's probably stop

talking about this because I could keep talking about it until the cows come home and we can take a little quick break and when we come back we're gonna yeah maybe we'll go shopping um I'll open my app and you can open yours and we can look at our whole watch lists and then we're gonna get back into some more juicy stuff but I think we should like pivot and talk maybe a little bit more about direct shares so the companies we are actually watching and might invest in individually so guys don't go anywhere all right we are back and i feel like you and i have investing strategies that are really based around etfs and managed funds and we're yes not so much direct share girlies but like sorry

last time you were on the show i was telling you about my yeah yeah i did google that afterwards did you and did you see why it wasn't looking good she doesn't look good then like sorry that's not my journey that's not going on my watch read all of their annual reports i won't be if you wanted to you'd be impressed jess is also into paradigm i know that's why i'm giggling when i messaged i don't know if jess is into paradigm because i was into i think it was like a you and jess thing and it's not going to be my journey i'm gonna let you have that one but i'm not interested you know what that's good and i think that people need to hear that just because it's a different style of investing and we can

have differing opinions that's why it makes up less than one percent of my portfolio at this point. I'm glad. But Brooke, I want to know, do you hold any direct shares? I own a heap of direct shares, mostly in America, some in Australia, all that jazz. But I have a rule with direct shares. I need to be personally interested because I don't have time to research a brand and company that I don't know and I don't care about. So my direct shares and anything that's on my direct shares watch list are pretty much companies I love and know. And if you know me, you know that I love Costco. I adore Costco. Stop it. Stop it. Every country that I... That's what you've picked to share? Yes, that's what I've picked to share. Every country that I go to, I check before

I go that there's a Costco. I'm going to Europe at the end of the year for three months. Please send me your tips. But me and my partner have already looked at all the different Costco's that we can go to. Went to Korea. Guys, we are very lucky. We've been on a few overseas trips with work. God bless. Yeah. But every single time we go, we actually have to build in like either a morning or an afternoon trip for Brooke to Costco. It's mandatory. It's amazing. I'm so passionate about Costco, especially because in America, Costco has other kind of competitors. In Australia, we don't really have Costco competitors. Costco is its own thing here. Whereas in America, there's Sam's Club, there's FedMart, like there's those sort of competitors.

And it's just such an interesting like concept of a store that you're going to pay a membership to go to a grocery store. And for me, I love the membership. I pay that fee every year happily. I'd probably pay double, but it's on my watch list. I don't own Costco as a share just yet. But it's on the watch list, but why? Like, we know what the company is. I think everyone listening knows what it is. But like, why are you interested in making an investment in Costco?

Well, when we think about it, Costco has an annual membership. So the annual membership fee in Australia is $65. Consistent income. We love to see it. It's consistent income for Costco. Regardless if I shop there, I still pay my membership fee. and so that 65 i pay is probably equivalent around the world and they have 76.2 million paid members worldwide stop it that is crazy i don't even need to sell any five dollars chooks

and that's they have the just the business model of costco is really intelligent to me so they have these things called loss leaders which are their roast chook which in australia is like 5.99 but in america it's even cheaper i think it's 4.90 or 3.99 yeah and they make it really cheap so that you will go to Costco to get that roast chicken because it's so much cheaper than everywhere else. They anticipate that when you go to Costco for that roast chicken, well, you'll also pick up X, Y, Z.

They have their hot dog, which is $1.99. You also get a drink with that. And it's such a good deal. People have tried to make the CEO put that price up of the hot dog because they lose money when they sell that to you. But he won't because it's such a bread and butter. It gets people in the door.

It gets people in the door. And I look forward to going to Costco on a Sunday with my partner. I get a slice of pizza. he gets a hot dog we get a roast chook and we get so many fun little things you don't it's like Costco's kind of like Kmart you walk in not knowing what you need and Costco tells you yeah and they it's kind of like Aldi yep and they have like that center area it's always got something different that I didn't know I needed yep it's really annoying because I end up spending so much money

and it's worth it but those membership fees so that $65 you pay a year membership fees brought in 4.8 billion dollars in revenue stop it so that's a major chunk of their net income which is pretty impressive like could you imagine you have to pay a grocery like you go to your local grocery store and you need to pay 65 a year to shop there people would think that was absurd but for costco no one bats an eye no that's crazy yeah so that's their like income and income is great but i want to know performance like are they performing well what does their share price actually look like? Because you could tell me, oh, they're earning billions fee, but then it also costs them billions and like their profits like a dollar. No, their profit's good. So tell

me about the business and why you go, oh, it's on my watch list as an actual investment, not just their income is sexy. Well, over the last five years, Costco is up 176%. Do you think that that's driven by cost of living crisis and people turning towards bulk shopping? No, I think that the people that shop at Costco are not doing it for the bulk idea. Like I don't think they're doing it to save money. Like obviously I think the idea is that you would do that, but I think Costco shoppers are like Costco shoppers. Like I don't think, I never check to see if something's cheaper at Costco. I just go to Costco. Do you have the cilantro pesto that they have? It's called cilantro pesto because it's American. Otherwise it's coriander pesto. It is so good. I just think

that the people that shop at Costco trust Costco and Costco does their own sort of products as well. So they have Kirkland Signature, which is like their version of home brand. But their idea with Kirkland Signature is to make a product that is equal or better to the competitor in the market and cheaper. So they won't bring something out unless they can do it cheaper and better. Smart. So all of those sort of products do really well. And they're like some of the number one performing products in Costco because one, you can only get them at Costco. And two, they're cheaper than like the standard product. And people go for that. Like people buy Kirkland Signature merch every year Costco will come out with Kirkland signature jumpers and I've considered

getting the tracksuit I've considered it and that's because I'm a Costco loyalist so you don't need another I've got I've got one really good tracksuit so I don't need another one I'm not in the market but just I can't imagine you wearing the hat though I would 100% wear the hat do you know Qantas gave me a hat yesterday Qantas gave you a hat oh my god and they didn't make it to your watch list they didn't make my watch list I don't believe in the brand on the watch list but no they gave me a hat so why haven't you bought it yet you're obsessed with Costco you obviously have got really great performance. Why haven't you been in the bullet? I generally just didn't consider it until like a couple of months ago. And I was like looking at different companies to buy

because I have like the regular things on my direct shares list. And then I thought, what would I buy if I had to buy something now, if I could buy a share in that? And I thought, what are my favorite companies? Like what is a company that I truly believe in? And that would be Costco. So I think within the next few months, I might pull the trigger on Costco, but I definitely own Costco in some of my ETFs so I'm not too worried about having it but I think in 20 years time Costco will still be doing good so that's why I would buy it. That's really fun. Yes. So what is your direct share on your watch list? So this is an Australian company. Tell me about it. That I just this is going to sound really bad but I didn't care too much about before. Yeah. And then I had

a baby and I was like. You had a baby? I know it's crazy. I don't even believe me. You should have mentioned him. I'm a mom. Your mother? I'm a mommy. Mamacita? Exactly. And I realized that going out for coffee every single day is not like viable. It's not that I can't afford a coffee every single day. It seems that I will not be having a child then. But I can't leave the house and my pod machine is just not cutting it anymore. So I took to the internet and I said, guys, like coffee machine recommendations, please. And like, I got recommendations from like $100 machines from Audi all the way up to like literally $30,000 at home, like gorgeous machines. Some of them are very fancy. I did not realize how expensive they would get. And I was

like, holy guacamole, there is a market in coffee machines. Yeah. And so I ultimately, exactly. I picked a Breville. A Breville? I picked a Breville and I went with the Breville Oracle and low-key annoyed because I got it a couple of months ago and they've just come out with a new one. always always happens um so breville them innovating limited it's on the asx their ticker code is brg and most of you would know breville yeah so like you've heard of it it's at the good guys it's bloody would you like a fun fact yes i would like to offer you a fun fact that if you are in that we have a slack channel at work called savings the week where we send our best deals yesterday i sent in a breville coffee machine on sale at costco oh money win but i

already have one i know but i already have one look at our two shares our direct shares are collaborating and i was like hold on i haven't been operating in this space of at-home coffee machines yeah um you're lucrative and they are like so like they're so easy to use like the average consumer can use a breville coffee machine at home and they make really good coffee yeah but we're not talking like they just do coffee machines they do like toasters blenders like coffee literally all of these things yes but they're also like not i wouldn't say they're like the most high end they're also not they're a middle ground yeah they're like the perfect thing that you can afford it's like a little bit bougie you've splashed you're not getting

the kmart coffee machine you've splashed out for the breville but it's not like and everybody that has a breville is listening right now and they are raving about it because you guys are and you can tap it you can tap the breville and if you feel like a barista come over to my house i can't Mine's self-tamps. Stop it. Anyway. So it's a well-known Australian brand. Yep.

And when I started looking on TikTok and I started looking online, it's starting to gain a little bit of an international presence. Okay. So. Expansion. Expansion. Also, Cozzy Lives, we're all looking at having a coffee machine at home. Because you can justify the expense of a coffee machine

because it's cheaper than getting coffee out every day. Yeah, and I mean, I made the news for being rude about that guy's coffee that was $7 a cup. You're going to be on the news. Yeah, I was on the news and sorry, $7 a cup for the smallest cup is wild. I wonder how much I've had for coffee this morning. So I feel like so many more of us are looking at being at-home baristas. And if I start deep diving into it, reports show that Australians are increasingly choosing

to own high-end Breville machines to save money and upgrade their like at-home game. So they're like me, we're moving from a pod machine to the Breville. Because it's a little bit fancy, but you can justify the expense rather than the $7 coffee every day. Exactly. And in the first half of 2025, the year ending December 2024, Breville made, and they're probably real salty about this because it's just off, but $997.5 million in revenue.

So right off a billion, like you would have been a little bit, if you were the CEO, you would have been like, what the heck? Yeah. But that's up 10% from the year before. That's really good because it's a very saturated market. Their profit grew by 16%. reaching what is it uh 97.5 million dollars and that's mostly what no it's coffee bag but mostly due to coffee machine sales wow so like it's not the toasters it's not the blenders

it's like when i think of breville i don't just think of the coffee machine like i think of everything they do but it's interesting to think that it's been around for years like my mom still has her brevilles some beans exactly and it also has so much expansion potential in emerging market so like it's starting to be looked at by China South Korea interested like sorry Australians are known for being coffee snobs so a coffee machine from Australia is becoming quite a like and a coffee machine in Melbourne yep and even the Middle East like they already have a coffee culture but they're looking at us so in South Korea which you absolutely love South Korea where they switched to direct distribution in 2022 their market share jumped which is by the way

these might sound like small numbers, but it's actually massive from 4% to 7% in a country that is arguably not coffee motivated. And now they're trying the same approach in China. So like they're growing internationally, massive opportunity. And then UBS, which is like a bank, they said that they expect Breville's income to double, like more than double from $1.7 billion in the financial year of 2025 to $4 billion next year. Wow. Sorry. Sorry. All about coffee. I made the news for CoffeeGate and now I'm investing in coffee. Perfect. That man told me to get a real job. This is a real job, isn't it? I sometimes think that I don't have a real job except that I have a job. Yeah. I honestly don't believe us either. People complain about their jobs and I'm like,

oh, I actually can't relate to these issues. Their forecasted like margin of profit is only going to increase because obviously the more they're developing the like more they can save and the more profit they're going to make and while Breville is already a profitable company I would say it trades at a very high valuation so 35 times forward earnings so investors they are paying a premium yeah for its growth potential which is why I haven't purchased it slightly overvalued yeah and I don't want to buy overvalued stuff but also Breville you see the growth potential which is like. And like, I love this coffee machine. So low key. It's like your Costco. Yeah. I'm kind of like, sorry, I see the hype. Um, the share price, I would say relatively

accessible. I mean, it's $35 and 56 cents as of today. Beautiful. And its return over the last year has been 15.75%. Wow. So like, sorry, not bad. If you're going to buy a coffee machine and then you get it on sale, invest the difference in the share price. And then you're basically making money by making coffee at home and your coffee machine is paying you yes a win is a win a win is a massive win i want to move on from this though because like i could talk about my coffee machine till the cows come home and you could definitely talk about costco forever call me anytime and i'll tell you want to talk about like quickly before we end because i feel like we've been yapping for ages wild card chess yes so what is something that you reckon is like a

wild card okay so on my wild card list and the reason it's my wild card is it's not that profitable at the moment but it is something and paradigm no definitely not I'm a paradigm hater it's something that we all know and love but it's a door beauty love they are on the ASX with the ticket code ABY and they obviously yours is more sexy than my wild card I know mine's like real rogue okay well I've gone sexy the um key numbers that you should care about are the fy24 revenue which is 195.7 million which is crazy and they have retail stores now yeah so that's where they're expanding into retail which is why it's a my wild card because it's currently not that profitable but i think they're like retail expansion is really going to help them because in australia obviously we have sephora but

i feel like no one cares about sephora in australia we care about mecca yeah we love mecca and i think adore beauty dabbling in that space they're my favorite online real like retailer when it comes really see i'm still a mecca cult member and like their stores are like not stores they're like full experiences and i just wonder how you would compete with that i loved mecca do still love mecca still shop at mecca regularly but i think with adore beauty they offer something a little bit different and they also go on sale yeah which i kind of i go hold on and like a lot of the brands that used to and like this is probably me diving into your wild card but like a lot of the brands that used to be exclusive to mecca and now not exclusive and they are there's a competitor in

the market yeah like even just like you look at kerastase right that's a mecca and i buy that shampoo but it's often on sale for a door adore beauty do really good sounds like they'll do a two a three for two deal like buy two get one free stuff too so much free stuff and i feel like that's an experience that like me as a consumer really enjoy that i'm gonna order i do want the travel size shampoo i love that and they do free goodie bags all of that jazz and they have so many return customers and another thing they have such strong app usage so 26 of their sales come from their own adore beauty app which i think is a crazy figure and they have a really good loyalty program which i think is better than the mecca one it's really early in adore beauty's profit

journey but i think that soon it'll be like worth it but i yeah i haven't invested in it yet because I think they're still like, I want to watch. Tell me what's their performance. Let me whip it up for you. I'll get you some live figures. Okay. In the maximum time that it's been on the share market, it's not looking good. Let me tell you, it's not looking good. But you're like, but I believe in them. I believe in this mention. So since inception, it IPO'd at $6.92. Yeah. And today it's at 76 cents, which is not looking good. However, it's an opportunity for me to buy in. it's an opportunity for you to buy in year to date they're down 14.89 but we are in this industry we're in the beauty space we are beauty consumers and we see we are we are we love the beauty

industry we see adore beauty as a market leader i see where they're going with it we see where they're going i feel like a lot of people yeah no i think that's good i think that's exciting so what do you think is going to drive their performance back up like you think just becoming more sustainable experience like they're opening so many new stores and i think mecca is almost pricing themselves out of the market sephora i think doesn't i'm not putting them in the equation as like your beauty space to go like where you're going to go get beauty product i think you go to sephora because they have certain products you need you go to sephora overseas but in australia you go to mecca yeah and i think mecca is slowly having price increases

that will might price them out of the the market whereas i think adore beauty is affordable but It's still that like luxury experience. So I think in a cost of living crisis, a dual beauty has more room to grow. Yeah, I know that's exciting. So do you have a wild card? I do, but mine's boring. Mine's not like in the beauty space or something

that I'm like all sexy. I mean, mine's just like, I feel like a little bit nerdy and now I'm like, oh, I want to pitch this. I love a nerd, pitch me. And I'm watching this one because I'm like, not one to run out and invest immediately, but I find it really interesting because I think it's a, I don't know,

a good example of like innovation and tech coming together and like I'm here for the gossip so I love the gossip yeah so like this is for me an interesting one um it's called brain chip so it's on the asx as brn have you heard of this I have heard of this okay cool so it's not as wild as I thought it could be but for those of you who maybe haven't heard of it brain chip is a aussie tech company and they are building brain inspired AI chips called Akita. And it's designed to essentially help smart devices then think for themselves without the need for the cloud. So at the moment, self-sufficient. Yeah. Yeah. And so it's giving innovation. Well, that's why I picked it. You're very smart. They want you to be kind of thinking these chips are

going to be faster they're going to be more energy efficient there's okay it's getting environmentally friendly yeah you know how we chat gbt we're talking about every time you search exactly so a lot of people are kind of looking at this going oh this might be the way forward because they're kind of self-sufficient the stock price i would say exploded during the ai hype that happened like way back in what 2022 like late 2022 2023 and it went from costing 20 cents for a share to $2.40 but um yeah it dropped back down yeah I'm seeing that so like can you not google it while I'm telling you I've just googled it yeah I know because like it makes me look bad I'm trying to like tell a story here in five years it's looking better that's why it's a wild card okay

so I understand your wild card mine's down 89% so I can't yeah I can't say anything this is why we haven't purchased but we're so interested next year we're going to come back this time next year we're going to check how they're going and hopefully yeah we are the oracles we're the Call me Warren. Okay, Warren. But I think the tech sounds really futuristic. Yeah. But the problem with their company is that they're just burning so much cash.

But you have to in like a software and tech space. You have to burn cash to make cash. Yeah, they're investing in the company right now. I see it. I see the vision. I think it's like classic promising tech and that's why people. It's either going to pay off or it's not. Yeah, and in 2022 when everyone was like, oh, my God,

this is the next big thing, they all bought in because of hype. they didn't buy in because they looked at the annual reports and then they realized that, oh, this share doesn't pay dividends. Oh, this share is actually a money pit. What's going on? And they didn't understand it enough. So it dropped back down as people sold off. But I think the challenge for them now is, okay, you've put a lot of money into this, that clearly- Is it going to pay off? Yeah. Like, can you now make money from this? Like, can you sell it? So I guess today the stock price is still like circling about 20 cents what was it when you looked it up um well i looked

at the year to date because i did these notes yesterday not yeah so the share price today is at zero point oh it's 20 cents yeah great um and it's down year to date 55 percent but you know what we believe in her still and in five years it's up 11 so it's up point yeah it's up two cents so i mean like five years it's you know you're making money the queen is where she started like she started at 20 cents she's back at 20 cents and I think it's a good reminder for all of us if we are planning on investing in emerging tech like you're not just betting on innovation you're betting on like a company and their ability to have a CEO who can manage cash flow and have a CEO who can make decisions around marketing and branding yeah it's more than just innovation

there's so much more that goes into business yeah like you're betting on like I don't know timing and execution. Because they could become the market leader. Like right now, like ChatGPT, OpenAI, that's the market leader. But if someone out innovates them, they then become the market leader and that's what they're trying to do. So it's like, okay, right now they might be burning through cash, but if you bought it right now and then suddenly tomorrow they say, wow, we've done it. It's all working. It costs X amount less. It's doing this. The stock price could be up like 7,000% tomorrow, but we don't know. Yeah. And we don't know what we don't know, but I think it's like guys you have some pretty cool ideas. I'm watching. And I'm like sitting

back going can you make this make money? Like can you turn your cool ideas into revenue? It's giving penny stock in the best way. We're getting to watch on and see maybe that they can do it. Just because you've got a cool idea doesn't mean you can make money from it. No because you've got to be able to execute it. That's hard. Yep. People can come up with ideas every day. And if you listened to our should I invest in AI episode I think you'll remember when we said we're at the show don't tell moment for a lot of these like AI companies and that's kind of where brain chip is at at the moment so like they're like just trying their best okay and I'm watching. Sixth of August next year. Yeah we'll have to check in but like I haven't invested in this in fact I like oh it's going to take a fair

bit. Maybe we'll put five dollars in just in case. I'm not even going to do that I'm like well If I've got five bucks to invest, is it going to be in Brainchip? Probably not. It's probably going to be in Adore Beauty because you sold it so well. But no, I would just dump it into an ETF. Give me the prices right. Yeah. So there's a few things I'd want to see from Brainchip if I was to invest. So like I'd want to see consistent revenue growth. So you don't have to like outperform what you've spent, but like, I just want to see that growth. Yeah. You're going to wait a couple more earnings reports to see whether that aligns to your values. Also like great technology like akita akita or whatever i'm sorry which which products is it in yet yeah like i want

to see it in some big brand names like i want to see it being used i want to see them collaborating with big companies i want like you know if amazon picked it up and said oh we've put this in our echo perfect but do you know what i mean i'd be like oh yeah then that's but then those are the things if that was in an echo tomorrow then the stock price would go up exactly you don't know until you know exactly and like at the moment if you look at their annual report they're like burning through cash more than what they're making and I would like to not just see them have revenue growth but like where's your plan for a path to profitability like at what point where's your yellow brick road yeah and like they might say oh it's still like seven years off but at the seven

year point like we know because like we've been doing this and we're proving this is where it's going yeah and then I guess execution milestones they haven't really like they're all like we've got cool ideas and we're doing cool things and like I think that's where that that jump to $2.40 happened because people were like oh that sounds sick um but like are you hitting your delivery targets can you please start reporting on those are you actually getting this hardware that you're building and innovating on how many are you sending out if so where like it doesn't have to be in something that I know of but like it could be a verbal coffee machine but are people buying this shit because i can't see people buying this right now also um and i also want to say they're talking

about a lot of tools that they're going to release but they haven't released so like it's all talk no walk yeah so i guess they're on our watch list for a reason i'm just watching them and that's why they're a bit of a wild card but we will check back in these i will i will track them i'll pop them in all in a spreadsheet today with their share price and then in a year's time we'll come back and see how they've done for that because like i'll be like yeah i hope i outperform you a brain chip and a coffee machine like and i've gone to the sexy ones for me a costco and adore beauty honestly they're way more fun really sexy all right i feel like we've been yapping for ages thank you so much for coming back on the show letting me i guess peek inside that very well

researched brain of yours i feel like you and i are on the same page this is why we're always like have you seen breville have you seen this we're in a weird parallel of crazy like you know when people so like my best friend harriet and i like we send each other tiktok videos of like ducks and food yeah and then there's you and i sending each other tiktoks on nvidia it's just random things okay it's an interesting life and the gun if anyone works for the gun and wants to send us on the gun please honestly i was very confused you didn't pick a train company i would pick a train company but it's not my journey at the moment but you will journey on a train i would love to journey on a train all right well guys don't worry we are absolutely not done yet on

this topic we have a whole heap more investing episodes coming up with brooke because sorry the second you guys were so excited about the first episode I was like why aren't we capitalizing on this get Brooke on

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