Xero Limited (ASX: XRO) sheds employees and shares pop 11%, is that good? Vanguard Global Aggregate Bonds ETF (ASX: VBND) is for bonds, right? Is WiseTech Global Ltd (ASX: WTC) the best ASX share (and Owen was wrong), and more!
For investors, by professional investors
The Australian Investors Podcast, Australia’s best investing podcast for professionals and private investors, is back for our weekly “2 sense” segment, hosted by experienced investment analyst Owen Rask (“finfluencer”) and experienced financial planner and business owner Drew Meredith, CFP (AKA Andrew Deremith) (AKA “Finance Bro”).
The Australian Investors Podcast is owned and operated by The Rask Group. And it’s available on Spotify, Apple Podcast, Castbox — and wherever you get your podcasts.
This week’s top questions – answered
| Best Dad ever | Love your work guys – you’re a staple for my Saturday mornings.
We have two children (4 and 1 year olds). We have a trust set up and have so far invested 50k for them (regularly invest per month). The idea being to give them a head start as adults. I am now also thinking about their University study and helping them with that (assuming that’s what they choose to do). Do we set up a new trading account for this reason or simply add to the exisiting fund but somehow keep track of allocation of funds? Realistically both funds would invest in exactly the same thing. Would love some help with this one. Keep up the work legends |
| Bin Chicken 🏆 | Is having a core portfolio of VDHG shares and super with VanguardSuper doubling up? |
| Wackadoo | Is there too much crossover having IVV in your portfolio with VDHG or DHHF? |
| Egyptian in de-nial | Hi team, massive fan of the podcast! Given the current relatively high interest rates that will likely continue to rise in the short term, are fixed income securities (i.e. bonds or bond ETfs), a good short-medium term play for younger investors given the possibility of recession? For younger investors such as myself growth assets are usually the focus, but a near guaranteed 4-5% yield in the lead up to a possible recessionary period has me reconsidering where I invest new capital over the next couple of years. |
| Suzanne | What would you recommend to buy today |
| Live4eva | I know you can’t give personal advice but interested in what your view are regarding TPD/life insurance in Super as a healthy 50 year old. House is paid off, kids have finished private school, have reasonable level of savings (inside and outside super). Wife and I still working but expect to semi retire at 60. Is there really any value in continuing to insure myself? What’s the general consensus on when to drop life insurance? |
| Hugh Jarse | Could you review WTC WiseTech again please- surely now Australia’s greatest local based tech co ? Might reviewers be peeved cause you are always warning off stating that it’s overpriced, but its SP keeps growing. |
| Sydney’s shantytown landlord | What are your thoughts on REITs at the moment? High interest rates can benefit their dividends but also depress their unit price. Do they make a good inflation hedge? |
| Owen Raskal | Hi Rask crew,
Do you like REITs and would they be considered part of the core portfolio or satellite? Do you like VAP or one of its competitors more? Should investors hold REITs long term like they would for VAS for example? Thanks for the knowledge |
| Investing BDSM (That’s Bonds Diversification Simplification and Maturity, calm down) | Looking at adding bonds to my defensive section of my core and getting tied up (wink) in the choices Bond ETFs, some kind of mutual Bond Fund, eTBs/eTIBs, and whether or not global exposure is worth the additional hassle.
As ETF bonds don’t “mature” in the same way as directly held bonds, is there additional risk in that? Do eTBs/eTIBS mature like traditional bonds? Or is buying individual Aus Gov Treasury Bonds on the exchange basically the same thing as buying into a Bond ETF with extra steps? What are your thoughts on something like VBND? A good way to simplify and diversify, or is it a bit like letting them blindfold you (double wink) and just trusting that you’re getting the right returns? |
| Talk.to.me.goose (Owen didn’t get the reference) | Hi. I’m new to this forum. Having subscribed to your website, I see the reference to your “core” and “satellite” approach. My questions are: how big does your core need to be before you start looking at the satellites? ($10k, $50k, $100k?) Furthermore, what proportional size should an individual satellite holding be (ie. No more than 5%) |
| Fu Achess Beesea 🏆 | Hi Andrew Deremith & Rohan Wask, thanks for your short Summer Series podcast. It fired me up to contact my bank and haggle a better rate on my mortgage, I got 1.47% knocked off the top through hassling my bank. Cheers, Fu Achess Beasee |
| Registry_yourcallwillbeansweredin<45minutes | Loving the laid back banter between Owen and Drew. My question, can you guys discuss why the share registrys in Australia still operate in the technical dark ages? Why is it that we can have authenticator apps and codes text to mobiles but a forgotten password or account locked requires a phone call to a call centre. Don’t even get me started on hard copy snail mail trade confirmations. |
| Clueless Doctor | What would you consider reasonable accounting / management / auditing etc fees for SMSF (1 house, some cash, some shares). I’m with a firm that specialises in medical practitioners and am mindful that I might be being overcharged…. |
| HeyDUByourZIPisUndone | I know that insider trading in shares is illigal in Australia.
So, when the owners, directors or CEOs buy or sell large amount of shares in the company and then the price goes their way, how is it different from insider traiding (allegedly 🙂 )? Aren’t they in a perfect position to know more than other investors (large contracts, loss of customers, etc.). Do they get investigated? Seems a little suss. |
| NFTorNFI | I am a little confused on how to choose my shares. I understand that I should look for good companies with future growth prospects, good management and buy them at a good price. However, whenever I listen to some other well respected investment podcasts (not finance bros like Drew or finfluencers like yourself 🙂 ), a number of analysts always bring up the chart analysis and talk about candles and moving averages while other analysts make fun of the whole thing. So confused and would appreciate a little discussion on the topic. Thank you |
| Owen’s Great Ass-et | Thanks for the show! Concessional super contributions vs. stocks – for an early career individual, apart from being able to access your money, are there reasons to invest in stocks rather than contributing that money to super? Tax advantage, investing for long term, limited window for concessional contributions – what would your advice be? |
| Where is Brenda Buffett? | It’s International Women’s Day, and whilst I’m not one to reflect much upon the day, I am an analyst and I look around and see very, very few female peers – why? The accounting industry has HEAPS of women and both industries require similar levels of education (and overtime). Love to hear your thoughts/theories on what is it about finance that turns so many females away. |
this episode, you’ll LOVE our series. Episodes go live every Saturday at 7 am and Wednesday arvo.
