5 Shares That Skyrocketed Last Financial Year (And What You Can Learn From Them)

Episode Transcript
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Speaker 1 (00:00):
My name is Tatasha Bamblet. I'm a proud First Nations
woman and I'm here to acknowledge country t Glenn Young
Ganya nianar Kaka yah Ya bin Ahaka nian Our gay
In Nimbina, yakarum Jar, Dominyamka Domaga Ithawakaman damon Imlan Bomber
bang Gadabomba in and now in wakah Ghana on yak
rum Jar Waternata. Hello, beautiful friends, we gather on the

(00:24):
lands of the Aboriginal people. We thank acknowledge and respect
the Abiginal 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.

Speaker 2 (00:44):
She's on the Money. She's on the Money. Hello and

(01:08):
welcome to She's on the Money, the podcast that turns
share market chaos into something your sleep deprived brain can
actually understand. I'm excited your co host here to ask
all the investing questions you've definitely thought but maybe you've
never said out loud. And luckily I'm joined by the
investing expert who actually knows what she's talking about. Tory Divine, Hello,
Beck Sage excited mainly because I always love an opportunity

(01:31):
to talk about the share market, and you've given me
a whole episode. I was going to say, this is
very exciting just for you, Thank you, thank you. I
do need some more things in my shares these account,
so I'm kind of excited too. What's your sharesas account
at now?

Speaker 3 (01:46):
I think it's at seven hundred stop fifty eight dollars
or something like that.

Speaker 2 (01:49):
That's growing. That's crazy weekly. Who are you?

Speaker 3 (01:52):
I know I wouldn't be able to do that in savings.

Speaker 2 (01:54):
I love it, haven't I love it? And I feel
like now is a very good time to talk about
the share market because it's been the end financial year,
which is also my birthday, because if anything, I am
a finance baby at heart, and I think given the
financial year has now wrapped up, which means I have
to wait another like three hundred and sixty five plus
days for my birthday to come again. So, buddy, I

(02:16):
thought it would be a very good time for you
and I to sit down and I guess take a
little bit of a step back and go well, what
happened with the ASX this year? What did it look like?
What did it feel like? Because we do these episodes
and you guys love them, and I adore that you
love them, because it's any time to yap about shares
for me is a good time. But we often look
to the share market to make decisions, and we say

(02:38):
time and time again, past performance is not a reliable
predictor of future performance, and we can look at what
has happened, but that doesn't mean that it's going to
happen into the future. So anything that we talk about today,
like if I go, oh, this etf like was incredible,
that doesn't mean it's going to continue to be incredible.
But it's just so interesting and I think so pervy
to be like what performed what didn't I when we're hah. So,

(03:01):
whether you're investing yourself or you just want to learn
a little bit more about what actually drives the share market,
this episode, from my perspective, is going to give you
a really good sneak peek at what I think are
the biggest trends. And keep in mind, this is a
market research. These are my opinions, these are my I
don't know I talked to lots of market experts. I

(03:22):
talked to lots of share traders. I talked to lots
of financial advices. It's like a culmination of all of that.
So it's not like well Combank said totally. It's kind
of Lin Buffett, who I know, I had a little
bit of saying you shouldn't have a crush on a
ninety year old ay, But it's kind of like, I
want to show you a little bit of a sneak
peek at what I think the biggest trends were. I

(03:44):
want to show you what I think the standout performers were,
and maybe a few unexpected winners. Because I remember doing
the scripture this episode and being like, hold on, what
the hell right? I think you'll enjoyed as well? Back
so strapping, I hope you're ready to talk about shares,
But I guess again, I just really want to double
down because maybe I'm just a little conservative baby at heart.

(04:06):
But this episode, Becket's not to tell you what to buy, right.
Don't go running to your shares E's app and be like,
oh my god, we talked about X y Z and
that that means I'm just going to buy it. Because
she said it did well, Like, I'm not here to
tell you what to purchase, because that's actually wildly irresponsible.
It's actually here to help you start recognizing I guess
what drives a company's growth, what impacts share price, and

(04:27):
how to spot what I think is a very strong
business versus what's kind of like a bit of a
hyped up headline. Because we've all seen the hype online.
We see what's going on, like, oh, we see how
dramatic people can be. So beck, let's strap in, no
more disclaimers, no more anything. Today we're going to dive
into some of the biggest share rises on the ASX

(04:49):
two hundred, the companies that have seen the strongest percentage
growth over the past year. Are you ready?

Speaker 3 (04:54):
Oh my god, I'm so excited.

Speaker 2 (04:55):
And I know you say, this is not advice, This
is not something you should be running for your phone
and buy. But I you can run to your phone
and have like a look like you have a look
as you know, beg. The chares is like search function
And this isn't sponsored by Chase's Like, I haven't paid
me to do this, I just I know that you
use chasys. And also like if you listen to money diaries,
You'll know that, like ninety nine percent of our community.

(05:17):
When I'm like, so, tell me, like do you invest,
They're like, yeah, clearly on chaz EA's. So I feel
like it's the best example to use because so many
of you are familiar with it totally worth kind of
like using Google. You can run to Google and type
it in anyway. So I guess I wonder and I
know this is a very broad question because I don't
really understand shares whatever. That's my job. That's my job.

(05:39):
And I tell you how that's true, thank you.

Speaker 3 (05:41):
And so I guess my question is where do we
start at the beginning? Okay, got to you? Gotcha? Okay,
where is that?

Speaker 2 (05:47):
So I actually want to start this conversation talking about
a topic that I feel like our community has had
a lot of conversation around. I've actually gotten a lot
of d ms semi recently over the last maybe three months,
I'd say, and that is about gold. I feel like
even you asked me about gold recently and you're like,
hold on, so people buy physical gold and I was like, yes, babe,

(06:08):
they buy gold and then they pay people to store
it for that.

Speaker 3 (06:11):
I find very shocking, right, So let's.

Speaker 2 (06:13):
Start there, because I feel like gold is having a
very serious moment at the moment, okay, and lots of
people are talking about it, and I mean, yes, we've
spoken about it recently, but gold at the moment, or
gold is popular, I would say in times of economic uncertainty,
like people turn to gold. You could say, like when

(06:35):
the share market's going up and down, like it's related,
I would say to fear and kind of like buckling
down and getting quite serious and being like ooh, like
you know, the world's a bit tumultuous, and I mean,
you can see why a lot of Americans maybe are
turning to gold and going, ah, I don't know about
the share prices like Trump seems, I would say, to

(06:57):
be having a meltdown online. I've literally never seen a
politician swear until the other day, and he's like saying
the f work. I just don't get it.

Speaker 3 (07:07):
I don't know.

Speaker 2 (07:08):
The man thinks he can tweet and people are reading
his tweets being like, oh, yeah, you're right. I'll have
a ceasefire because Donald Trump did I know, I can't
get me stud and we shouldn't go on and on
about it. Because apparently if I do go on and
on about it, I could be banned from the US.
Who cares? At the moment, I don't have a lot

(07:29):
of want to go there, but I do miss the
food in New York.

Speaker 3 (07:33):
That's so fair. I actually would like to do some.

Speaker 2 (07:36):
Selfishly. I don't want to get banned from the US,
but like, I don't have any want to go there
at the moment.

Speaker 3 (07:43):
It just doesn't feel good.

Speaker 2 (07:44):
But anyway, gold is seen as a little bit of
a safe haven at times where things are a little
bit tumultuous, and currently a global demand for gold is rising.
It's getting very very popular. And it's not just you
know every day mum and dad investors or you know
even more on Buffett being like, oh, gold is a
good option right now. It's actually we're seeing central banks

(08:06):
pick up a lot of it. Like I would say
that the Central Bank is actually stockpiling it. So they're
trying to do this to diversify away from the US dollar.
And even countries like China are buying more gold than ever.
So when that starts to happen, people like you and
I go, is gold good? Should we be looking at gold?
Other people are looking at gold, and obviously when there's
demand for gold, the price for gold increases. So we're

(08:30):
seeing that going. Oh, it's a little bit of a
popularity contest, and we're seeing this reflected in the share
market as well. So if you look at the top
performers on the AX, which for those of you playing
along at home, is the Australian Stock Exchange, at least
five of them are gold producers. Oh, which is kind
of cool and not that common during I guess non

(08:51):
economically tumultuous times to have five gold producers be sitting
at the top performers on the ASEX.

Speaker 3 (09:00):
Confusing to me for some reason.

Speaker 2 (09:02):
But what do you mean?

Speaker 3 (09:03):
I get it.

Speaker 2 (09:04):
So it's like a mining company, a mining company that
goes and digs up all the day. I understand, I
understand and stand. So okay, so like going and producing
it and like digging it up because obviously gold is
I would say, it's not an unlimited resource, but it's
relatively limited, and we need companies to be able to,
you know, go gold panning, basically, to go find more

(09:25):
to sell to us if there's still gold out there.
It's crazy, right, did you ever do the balleratte thing
where the gold. Yeah, that was very fun. And I
have my little somewhere in probably Yeah, I have that
little jar of water with the like gold specs. You know,
how do you and I like? Because we couldn't I'm
assuming the blue box. I think, couldn't find anywhere to
go buy some from the thing. I can't even remember

(09:46):
how I acquired it, honestly, all I remember from going
to Ballarat with those raspberry drops.

Speaker 3 (09:52):
Yeahs yep ye.

Speaker 2 (09:55):
Anyway back to proper gold, not panning for gold in
grade three. The one at the top that we are
going to take a bit of a closer look at
beck is called Regious Resources, and their share price over
the last twelve months has gone up more than one
hundred and fifty percent. Who isn't that insane?

Speaker 3 (10:12):
I feel an urgency to buy, but I'm going to
settle down.

Speaker 2 (10:16):
No settling, I mean, yes, settling down, but like one
hundred and fifty percent increase.

Speaker 3 (10:21):
Yeah, that's pretty good.

Speaker 2 (10:22):
What makes people interested? Yeah?

Speaker 3 (10:24):
So what what are they who are resource?

Speaker 2 (10:26):
So their little gold penners, right, they're gold market, so
they're probably not out there with their pans. They've got
very big machinery, but they are a gold mining company
that is based in Western Australia and they explore for gold.
They develop the sites, so they like go out scout
sites and be like this could be a good place
to dig, and then they operate the mines to pull
all of the gold out of the ground and then

(10:48):
they sell it. One of their biggest assets is a
thirty percent stake in the Tropicana gold Mine, which is
going to be not that much to you, but like
owning thirty percent of another business is a big deal.
Which is actually one of the major gold sites here
in Australia, and it's a joint venture with another company,
because I said before, they're only owned thirty percent of

(11:09):
it called Anglo Gold. A shanty beautiful name, I know,
a shanty like that's kind of cool, Shri Lankan and
like Indian names have like a magic about them. Yeah, totally,
just I'm like, majesty pretty, and then I got to
the Victoria, you know, like that just feels rude, mum. Anyway,
they are known for being a low cost but very

(11:30):
high output operation, so it's a very solid cash generator.
So if we're looking at it and we zoom out
a little bit, we go, well, you know, Regis Resources
good company, they're doing some good stuff, but they also
own thirty percent of another company that's doing really well. Yeah,
so if I told you that, you go. They seem
pretty smart, they seem pretty switched on. So they're onto

(11:52):
a really good combination at the moment of rising gold prices,
which helps any minor to be honest, So any company
that mines for gold is going to be pretty happy
with the fact that gold's more expensive at the moment.
And when you break it down, it's actually a really
solid operation. Like their business is running relatively leanly. They
are doing you know, good business internally, like they're doing

(12:13):
what they said they were going to do. So the
production of gold for them is relatively stable, and their
costs are i would say, under control, and they've been
investing some of their money, so a lot of their
profit is going into expanding their mind life so that
they're not just living for them now. They're like kind
of planning for the future, Like they clearly want to

(12:33):
see this increase be sustainable. Yeah, like they want to
just keep on keeping on. But I think Beck it's
also really worth remembering that mining shares can be really volatile.
They actually hold up a lot of the Australian share
market because as you know, or maybe do or don't.
I don't know how much research you've ever done into
it mining, but mining's massive in Australia, right, So like

(12:54):
you would have heard about fly and fly out people right,
Like you know, I feel like if you're in your
twenties or thirties, you've had a friend at some point
being like maybe I'll go to the mines for a
few years, or like maybe I'll xize it. I've all
talked about it. And the reason that we've talked about
this and we know, like you and I know that
if you go work in the minds, you make big money. Yeah, right,

(13:15):
And that exists because we have such a strong mining
export in Australia, Like there are lots of options, and
I think all of us know that most of it
happens in Western Australia because that's where all of the
like essentially gold is and all of the other things.
But we also export things like iron ore. So mining
in Australia is a very big business. In fact, it's

(13:36):
I think it's our number one like export. So the
thing that other countries buy from us has been mined. Oh,
which is kind of cool. But also I went, so funny,
maybe the word isn't funny here, but it's interesting as
well because so many of us are turning to be
ethical investors. Yeah, so therefore we're against mining. I was
thinking that.

Speaker 3 (13:55):
I was like, is this bad for the environment.

Speaker 2 (13:57):
But it can be, It can be, and I mean
completely so conversation, there are a lot of mining sites
that are putting a lot of money into becoming sustainable
and working on that and how to put back into
the environment because at the end of the day, like
even electric cars rely on petrol when it comes down
to it, right, Like, and I'm not saying we put

(14:17):
petrol into those cars, but like to power the grids,
we're probably using some type of coal to burn. I
think the only state that really relies on hydro is Tasmania.
And so there are Yeah, there's a lot for us
to do before we can completely be clean and green.
What we want it all from my perspective side note,
what we want to see as companies really investing in

(14:40):
sustainability and investing in becoming more green and investing in
our future.

Speaker 3 (14:44):
Yes, completely, not.

Speaker 2 (14:45):
Burying their heads in the sand and being like whatever,
we're just going to keep getting this iron or bye.
But in saying that, mining can be relatively volatile, so
it goes up and down over time, and as you
would know, right now, people are kind of looking at
gold like, oh, that's pretty sexy, that's pretty interesting. I'm
interested in it. But like, if that momentum shifts or

(15:06):
costs creep up, the shine can wear off pre tea
quickly and you get over it and you're like, I'm
onto the next thing. And with a share price that's
already up more than one hundred and fifty percent back,
I would say some of that future optimism might already
be priced in.

Speaker 3 (15:21):
I see.

Speaker 2 (15:23):
Okay, so we're excited and we're just buying it, but like,
is it really worth one hundred and more right now? Yeah? Okay,
that's good to know, because I guess it does depend
on the seat of the economy or absolutely it does.
I see, I see, I see. Okay, So this next
one I see here hostal a U s t A
l Ostill.

Speaker 3 (15:43):
I've obviously never heard of this.

Speaker 2 (15:45):
What do they do? You're like, what's that? You've put
it on the list. I think that's very fair. And
I would actually say that most of our audience I
have never heard of Ostel. In fact, guessing gay, I
feel like you could assume they're Australian, they would think,
unless your special interest is ships and shifts.

Speaker 3 (16:04):
And we will understand that context soon, I am aid.

Speaker 2 (16:08):
Yeah, but they are a Western Australian company, see, and
they were started in nineteen eighty eight and they build
high end, high speed fairies, high speed fairy high speed fairies.
Get imagine album that coming. You're like Ostial obviously fairies
obviously obviously fairies speed anyway, Sorry, but over the past

(16:32):
few decades, I mean, I haven't had my eye on
the fairy trade, but I did do a little bit
of research for you. Don't worry, thank you. They're really
up to their game when it comes to fairies faster. Yeah.
Bet you didn't see that need I did not. Yeah.
So the fairy trade, it's been increasing and they've leveled
up and they've gone from being just like producing the

(16:52):
spirit of Tasmania to being a global player in defense.
Oh when you say defense, you go all big dog ships.
Yeah right, So they've got a shipyard in Western Australia
and the US and the Philippines and Vietnam, and they're
one of the only Australian companies that regularly build ships

(17:14):
for the US Navy. I would say that's a pretty
big deal. Yes, I would see, like you you go fairies,
that's cute, and yeah, you go hold on US Navy ships. Yeah,
I see. They've really they actually might be big dogs.

Speaker 3 (17:30):
It's like in my head, very clear, like angel and
devil situation.

Speaker 2 (17:34):
Yea, fairies. So they've been working away in the background. Yeah, okay,
track in a way, and they've been building their fairies. Sure,
and that is why their share price has increased by
more than one hundred and fifty percent in the past
twelve months. Chans why a lot of people are going
hard on hold on, Have I changed my special interest
from trains to fairies? Interesting? And a lot of that

(17:55):
growth actually came after they won a contract to build
up to twelve new what they call a landing ship
for the US Navy, and that deal alone for them
could be worth more than three hundred and eighty million
usd Oh my god.

Speaker 3 (18:12):
So it hasn't happened yet.

Speaker 2 (18:13):
I mean they've won the contract. Oh, I see it,
and they're starting to do it, but it's up to
twelve ships. It might not be the full twelve ships.
They might get to ten in the US Navy. You'll
be like that's enough for now, and they've won the contract.
So what happens when we say one a contract is
often when governments like the US government Australian government does this,
they go out to what's called tender. So essentially, let's

(18:35):
say let's say the Australian government wanted a new cleaning
company for Parliament House and all of the government locations
around Australia. They can't just go hey, Becky, if you've
got a friend, because that would not be kosher. What
they do is they put out a tender and they
say hey, we've got this job. And it's basically like
putting a job out on seek, but like for big dogs.

(18:58):
And they put their job out up and say I
want a cleaning company that can do ABC DNA, and
then all of the big cleaning companies would quote respond
and they would put together a pitch and be like,
well I could do it for three hundred million across
all of your locations. And then another company might come
back and be like, well I can do it for
two hundred and fifty million, and they kind of like

(19:18):
essentially bid bid. They put in their bid, sure, and
then the Australian government will weigh up those bids and
make a selection based on that. So that's what clearly happened.
In the US, ostil has won the contract for the
US Navy ships, which is kind of cool when you
think about it, that is really cool. So they like
landed or they won this contract, and then the share

(19:40):
price took off after that point. Yes, I see like
it had been taking off. They'd been going to the
next level. They've been doing really well. But I would
say that's the thing that really pushed them because that's
a massive contract. And I mean it's where three hundred
and eighty million US or up to I'm gonna have
to have a little Google even though I don't know
if I like this one, like investing wise, like is

(20:02):
it ethical anyway? They got questions about that, and I
mean we can have another conversation on another podcast episode
about ethics and how to manage them and negotiate what
that means with yourself. But I think this is just
interesting pieces around how are they making money? What does
that look like? But also Beck if this company's already
up one hundred and fifty percent, does that make them

(20:22):
a goodbye?

Speaker 1 (20:24):
Right?

Speaker 2 (20:24):
Are they going to keep going up? Are they like
at the peak? Or is that like you know, have
there been heaps of people who are really into ships
watching this and just buying incause they're excited when actually
the share price is not worth it.

Speaker 3 (20:36):
There's a lot of questions, Yeah, I see, I see.

Speaker 2 (20:39):
Okay, so they landed a big contract, their share price
takes off, and then what happens happens? So defense contracts,
I would say a massive whether that's in Australia, I
mean defense contracts in the US obviously are significantly larger.
And when you win one, the market is very reactive.
They're like, oh damn, because the defense I wouldn't say,

(21:02):
they've never knocked so I can't prove it. But like,
if the defense says they're going to pay you, they're
gonna pay you. It's not like, oh, they promise to
do this and then they don't. Like if the defense
is engaging you to build twelve ships, like they've already
worked out that they need the twelve ships, it's like
kind of almost guaranteed that that money is going to
go into their pocket, right, they're not going, oh, actually

(21:24):
six months, that person's redundant, Like they're not making decisions
and theyre being like, all work it out later, Like
this is pretty set in stone. But Ostel's not just
doing one off builds, which is kind of good. They
also do and this is where a lot of their
consistency in share price comes from. They do maintenance and
upgrades on ships as well, so like they're not just

(21:45):
building it and hoping consistently they get new people to
buy new ships. They do building and maintenance upgrades on
ships that are already out there, which then creates reoccurring
revenue because like, your ship needs servicing, babes absolutely every
I don't know, one hundred thousand knots or something, Yeah
that I mean like that, Like I don't know, do
you think that they're like just driving down the freeway

(22:06):
one day and then it pings like service.

Speaker 3 (22:07):
Too soon, like my heart, yeah, like you swam seven hundreds.

Speaker 2 (22:12):
But that obviously creates really really consistent, reoccurring revenue between
They're really big jobs, which people like because I mean,
if I'm going to buy into a company, I want
to know that they've got cash coming in consistently, yes,
and that stability really helps their numbers. Look, I would
say a lot healthier. And I guess defense is also
what we call a little bit like to be a

(22:34):
bit more negative a boom and bust industry. So if
you win the right contracts, sexy great ten out of ten.
But if not, or like let's say Ostel won this
because remember how they put their bid in. They said,
we can build these ships for this amount of cost
to the government. What if the cost of the iron

(22:56):
to build the ships increases significantly, the government's not going
to pay more because that's not what their contract is worth.
So that could cost Ostil a lot of money. And
if things blow out, the tables can turn very or
the waters can turn very quickly. Right, And Ostel's actually
had a number of different bumps over the years where
this has happened, including what you'd call margin pressure. So essentially,

(23:20):
are they actually making a lot of good profit or
are they actually like spending what they are making on
building these ships and just like calling it even But
right now they're on a hot streak. So right now
they're doing well, okay, but they don't have an incredible
track record for they're doing really well and generating really
big profits, like they get the job done, but they

(23:42):
might like spend what they made on building the ship
and be like, oh, thank god that's over and it
didn't cost us any more money, you know.

Speaker 3 (23:49):
Oh okay, yeah, Gosha risky risky risky.

Speaker 2 (23:53):
Okay.

Speaker 3 (23:54):
This next one I have heard of, but in a
different context.

Speaker 2 (24:00):
Sigma Healthcare Healthcare. Sigma feels frat boy, doesn't it. Sigma
Big Beta Yeah, yeah, right, yep, Sigma Healthcare. Why have
you heard of your healthcare?

Speaker 3 (24:14):
Just because of that frat boy thing? But also I
did google it because I was like, what's.

Speaker 2 (24:18):
Going on here? So it's they've just merged with Chemists Warehouse,
I believe. So, yes, Sigma, I've been googling and like
complete side note. Did you see the house in Byron
that the owner of Chemist Warehouse bought?

Speaker 1 (24:33):
Oh?

Speaker 2 (24:34):
I didn't see it. I didn't. It went well for you?

Speaker 3 (24:37):
Can you can? Oh?

Speaker 2 (24:37):
I was link it to you after. It's big it
was worth I can't even remember, like twenty three, twenty
four million dollars ridiculous Anyway, Yes, you're right, they did
just merge with Chemist Warehouse, which was really big, and
that's actually exactly why their share prices through the roof.
In fact, it's up more than one hundred and forty
percent this year.

Speaker 3 (24:55):
Oh that's good.

Speaker 2 (24:56):
So clearly the people love the facts that Hemists Warehouse
is now part of it. And I guess here's what's happened.
Sigma Healthcare and Chemist Warehouse merged, so they didn't just
buy like Sigma didn't buy Chemist Warehouse. They've like become
one company, if that makes sense, which is a little
bit different in early twenty twenty five, making them what

(25:18):
I would call, I don't know, a pharmaceutical powerhouse. Ohsuse
it is. But like, how much do you love Chemists Warehouse?
I actually really love it. I love Kemy's ware House.
It's like girl Bunnings. Yes, Like you know how boys
go to Bunnings and they just like walk.

Speaker 3 (25:33):
Around look at stuff. The guys on the gays, Yeah, the.

Speaker 2 (25:36):
Guys, the girls, yep, the girls in the gays, We're
all going to Chemists Warehouse. Like we walk around. If
I've got a script, I'm like, they're like, do you
want to wait in store? Yes, babe, I want to
wait in store. I've got to go look at the stuff.

Speaker 3 (25:48):
Thank you, Like, can you take us as long as
you can?

Speaker 2 (25:50):
Yeah? I'm always like how long will this take? And
it's not because I'm impatient, It's because I want to
know what time limit I have to walk around Chemists
Warehouse totally baby silly, give me my script, but like
at least ten minutes as well police. So now they
really own a very large part of the pharmaceutical retail network.
And I think that if anyone said name a chemist,
immediately you don't go am coow. I feel like in

(26:11):
the nineties you said am Cow. Yeah. Sure they are
an Amcal as well, but they also own Chemist ware House.
I think all of us go there anyway, love a
cheap script. But we're talking. They now have more than
one thousand pharmacy stores, including Chemists Warehouse. I told you before.
They also own Amcow and discount drug stores and Guardian Pharmacies.

Speaker 3 (26:31):
They sound American, The discount drug store sounds Americans.

Speaker 2 (26:35):
I think there's one in Rosebud. Have you seen it?
Really it's painted the same color as Chemist Warehouse. And
I'm always confused here and I'm not gonna lie. I'm
always disappointed because it's not Chemist Warehouse.

Speaker 3 (26:45):
They always get you like that they're painted that same color.

Speaker 2 (26:47):
And they also have sixteen very large distribution centers around
Australia which manage logistics and like delivery of medications and
health products. And the merger is actually ex so they've
obviously done their maths. Is actually expected to generate around
sixty million dollars in cost savings a year just from

(27:07):
streamlining everything. Great. So by these companies coming together, both
businesses are saving money because they both have facilities and
resources that they can use together. That's like, you know,
if you and I, I know you are very into pottery.
Beck by the way, guys has just launched her online
you have. You're so sweet, you just can't Is it
handmade by Beck? It's designed by designed by Everything is

(27:32):
handmade free hand everything. Yeah, anyway, you can go check
that out. Thank you Beck. It's like if I owned
a kiln and you and I k went into business together,
it just becomes cheaper for everybody. It's like a long
distance relationship, Like you're spending so much money going together,
so we have to pay one rent, one rent, one rent,
duel income, no more flights back and forth. We're gonna

(27:52):
become Dinks. Yes, so exactly. So when you actually own
the supply chain and then you also own the shop,
you can actually squeeze through more margin, move faster, and
create a better customer experience, which is great, but you
also become big dogs and you have a lot of money. Plus.
Chemist Warehouse I would say, you and I both love it,
but so does everybody, right, I would say it is

(28:14):
one of the most recognized retail brands in the country,
and they move a massive amount of product because have
you ever gone in and just bought what you meant
to buy? Never? But also the other thing too, did
you know that Chemists ware House sell literally everything they're
from birth to homo. That's fantastic. I coup believe. I
found some like Dexter scales, you know, those like ones

(28:34):
that I was like, there's no way Chemist ware House
is gonna have this.

Speaker 3 (28:37):
They they do, they do.

Speaker 2 (28:39):
They also sell a really good Aprincot delights in their
like health food, sect crazy crazy makeup, got you foot yet,
Got You and everything. The other cool thing about Chemist
Warehouse is that it's one of those companies that it
doesn't matter what's happening in the economy. Beck Yeah, people
are going to still shop there, so true, like it's
not it's it's not a luxury to go to the chemist.

(29:02):
And yes, you might stop picking up as many things,
but that company is always going to have people coming
in their doors because it's an essential service. Yeah, and
that's I think for us at the moment, really important
to consider when making investment decisions, like is this a luxury?
Is it a la boo boo? Yeah, because like what's
happening with the pop mart share market at the moment,
Like anyway, I've just got lots of questions about that.

Speaker 3 (29:25):
Yeah, fair enough.

Speaker 2 (29:26):
And also I don't know if other people are thinking
this way, because I feel like we see chemist Warehouses everywhere,
but they're not everywhere yet, Like they feel like they're everywhere,
but Chemists Warehouse still has so many growth opportunities in Australia,
and they're also moving into international markets, so they're moving
into like New Zealand, Ireland, China and get this do

(29:48):
you buy oh hor random? I think I'm most surprised
about China. Yeah yeah, ah, yeah, true, I'm just like
oh okay. Yeah. Also, they're just so like there's no
consistency here, so funny they're like New Zealand. Oh, actually
Ireland too and Dubai. Yeah, because there's no consistency. Okay, Queens,

(30:08):
I'm sure you have a good plan, but also not
to bring the mood down. There are a few things
that I would watch out for with this. The merger
still needs to be integrated properly, and that stuff is
always a bit messy, like when you're bringing companies together
and then all of a sudden there's two HR teams.
It's Battle of the HR teams, and then one team
ultimately gets made redundant, you know, like it's not yet

(30:31):
fun and there's just a lot of mess There's a
lot of programs. They might be using one software in
one company and another and another, and it just that
just feels messy. But that happens in any merger. Yeah.
And then the competition watchdog, the A Triple C, did
raise concerns that they're watching closely to make sure that
the merged business doesn't push out smaller players or cut

(30:54):
off rivals.

Speaker 3 (30:55):
That's the cutest thing I've ever heard, what the.

Speaker 2 (30:57):
AH Triple C is like, don't be mean to the Lakota. Well,
it does happen, and the Atriple seat is in charge
of making sure stuff like that doesn't happen, because if
you if you create such a big organization that it
swallows everything else, is that fair competition?

Speaker 1 (31:12):
No?

Speaker 2 (31:13):
Also, I don't know if you know this, but a
lot of the chemist warehouses are franchises, so like people
will go to chemist warehouse and be like, Yo, I'm
a pharmacist. I would love to pay you so that
I can open my own chemist warehouse, get access to
you distribution centers and all your products. I'll sell it.
I'll be the one. You know when you walk into
the chemist and there's like the pharmacist's name on the door. Oh,

(31:33):
they're the owner of the pharmacy.

Speaker 3 (31:35):
Understood.

Speaker 2 (31:36):
And we don't actually know how happy the franchisees are
going to stay and how that will work over the
long term, Like is that going to be really smooth
for them? Are they going to be really happy being
like a franchisee of such a big organization?

Speaker 3 (31:50):
Like did they?

Speaker 2 (31:51):
There's just lots of questions, you know, like you've got
franchisees to look after as well. Okay, okay, So but
also like if it were, it's going to be pretty big. Yeah, seriously,
which is why there are up one hundred and forty
percent because I think most of us are looking at
it being like, yeah, there's a few red flags, like
there are a few watch outs, but overall, I think
it's going to work. Well, oh my god, this sounds.

Speaker 3 (32:12):
Like I mean obviously not giving advice, but ethically I
feel okay about this one.

Speaker 2 (32:18):
I'm going to I'm probably gonna everybody wants their medications
to be cheaper. Totally, It's nice, exactly.

Speaker 3 (32:24):
Okay, so we've covered some big names already. I don't
know you've got more of asleep.

Speaker 2 (32:28):
It's not a feeling. That's because you've seen my notes
and they're all outlighted. I really do. And after the
break week and I have a look at two more
top performers on the AX this year. One is cashing
in on your online shopping habits smart, and the other
is quietly becoming a must have for fossie families. So guys,
stick around.

Speaker 3 (32:50):
Welcome back. Everyone has always v D left us on
a cliffhanger.

Speaker 2 (32:54):
I don't know if it was a cliff I need
to be better at the hook. I need to be creating,
like you, guys need to stick around. It's going to
change your life. No, because they would be when a
million dollars would be a would be really ridiculously rich,
would have American accents, would be guys, we wearing baseball caps.

Speaker 3 (33:11):
We need that kind of like.

Speaker 2 (33:12):
But we're just chill.

Speaker 3 (33:13):
We're just like, hey, this is actually what's coming up.

Speaker 2 (33:14):
We're trying. And I mean, before the break, you and
I had a bit of a deep dive into the
top three performers based on share price increase, so one
of two of them were one hundred and fifty percent
increase and one of them was one hundred and forty
percent increase. But now I've picked up a couple further
down the list, so they don't look as dramatic, but
I think they are absolutely worth having a deep dive

(33:35):
into the Yeah, okay, I did have just a quick glance,
and I'm shocked to my very core that Temple and
Webster it's made.

Speaker 3 (33:43):
My list because I just thought they were a scam company.

Speaker 2 (33:46):
Sorry you been a scam company.

Speaker 3 (33:47):
I just ever bought from that.

Speaker 2 (33:48):
I thought like I thought they were because they were
just so affordable. Yeah, yeah, and like that's why we're
liking it. Oh, Cozy Lives. I think we all want
cheaper furniture. Yeah, like the stories checking out. Yes, I've
actually ordered from them before. Then my girlfriend actually got
bar stools the other day and I was like, oh,
where are these from? They look so like I thought
they were like Coca Republic or something expensive, and she's

(34:10):
like a one hundred and fifty bucks or something each
on Temple and Webster. Temple and Webster, temp Webster anyway,
So Temple and Webster is actually not a scam. It
is actually Australia's biggest online based homewares brand that is
so good to know and for those of you who
maybe haven't seen it. They sell barstools to my friend.
They've also sold artwork to me. I've bought artwork from

(34:32):
my house before. But they also sell things like couches
and rugs and even baby cots and furniture like you
name it. If it's a piece of furniture in your house,
you can probably buy it on Temple and Webster and
the most gorgeous cool covers. I always just avoid it,
but I'm like, the only things I like are on
this legit and it's made my list because over the
last twelve months they've seen their share price increase by
more than one hundred percent. And get this, if we

(34:55):
like zoom Out a little bit more, because like, as
we all know, I love zoom Out. Over the last
five years, they've increased by more than two hundred and
forty percent.

Speaker 3 (35:02):
Ooh okay, I'm jumping on that one.

Speaker 2 (35:04):
So they're doing well and contrary to popular beck belief
like they're legit, they're really And I guess what's been
working for them so far is they've been riding this
wave of like online shopping growth smart So like I
feel like more and more of us. Yes, online shopping
has been around forever, not forever, but you know what
I mean, more than long enough. But I feel like,

(35:26):
especially with cost of living pressures, we're all kind of
turning to like checking the price twice, making a list,
going online, like cross checking things, seeing if we can
get a dupe, seeing if we can get something cheaper somewhere,
Like we're all being a little bit savvier. And I actually,
and this is not me talking about Amazon, but I
did some work with Amazon in what early June, and

(35:49):
they had a whole heap of research that said sixty
percent of people are now going and like putting things
on their list, but also spending more than four weeks
researching that eye and before purchasing sixty percent of people
like historically we're less impulsive. Yeah, so this is working
for Temple and Webster.

Speaker 3 (36:08):
We that's you.

Speaker 2 (36:09):
You caught us like I'm crazy, though, I'm crazy, and
they're like, I love a bit of research. And their
market share is up to two point nine percent, and
they've called this a quote once in a generation shift
from offline to online furniture purchasing, because I don't think
like even ten years ago, would you have purchased a
couch on the internet. Maybe nah, Yeah, but now that's

(36:30):
exactly where we're turning. And they have some serious ambition
as well, so they've publicly said that they want to
be the biggest furniture on homewares retailer in Australia, not
just online, just in general. They're like, no, we're going
to be the biggest of big dogs. And their business model,
when you dive into it, it's actually really lean as well,
like most of what they sell is actually drop shipped

(36:50):
straight from suppliers kind of genius, which means they don't
hold stock or even pay warehouses. Like there's no big
Temple and Webster ware house. They just take the order,
they process it, they collect their cut, and then they
tell the producer of that item to send it to
Beck where they which is kind of cool. That being
really cool. Less overheads, more flexibility, and fewer inventory risks,

(37:13):
so like they don't have big warehouses that they have
to ensure, they don't have factories full of fork clifts,
they don't have to have all of the people. They
get the other people to do it. Yeah. Clever, and
they're also smart. They have their own label as well,
so they make their own products, so they're kind of
designed and branded in house. And now they are making

(37:34):
up a very growing chunk of their revenue. And that's
important because when you have your own brand, it means
that you make more money. Better margins means better profit.
Oh my god, that's so good. I feel really bad now.
Sorry Template, I didn't I haven't bought from them ever.
It's like, if it's all y I have, you can
call them later and apologize. I think I will. And
Beck also it's twenty twenty five. Yeah, they've gone all

(37:55):
in on AI, which lots of people have, but it's
working for them, which it's already seen save heaps of
money and also improve their margins. Get this, more than
sixty percent of their customer service is now handed by technology. Okay, okay,
customer care costs set down by more than fifty percent,
shipping price accuracy is up, and revenue per site visit

(38:17):
has increased, so more people visiting their website are spending
more money with them. That's good money win for them. Plus,
they've just launched a new category called like built, which
sells DIY gear. They now sell like tiles and tap wear,
so they're not just furniture anymore. They're just taking over
and I reckon they're trying to just like take on
the whole reno journey and be like we'll sell anything
to you. Hey, why not turn out of ten? Why

(38:40):
stop it furniture when exactly, especially if it's drop shipping.
I'm like, that's you know, you don't have to worry
about like having so many things in your warehouse, Like, oh,
we don't, we don't know. They don't even do it.
They're just like, oh, we'll call back up when we
sell one of her things and she can send it
to them. That is so cooler, very interesting. Hey, so
is TEMpl and Webster like the funny. I mean, it

(39:02):
could be not quite, but they are trying. They're really
trying to get a slice of the same pie, especially
with I guess people moving more of their online spending online.
A little bit of a caveat though, the stock has
more than doubled, but it's not cheap oka. It's trading
at a high price to earnings ratio, which means investors
are pricing it as though it's going to have a

(39:23):
lot of future growth. So when you look at it,
you go, okay, cool, Like, tell me about this share price.
They haven't got the revenue to prove it, but I
think a lot of people are like, oh, Temple and
Webster is going to take off, and they really believe
in it, so that's why they're purchasing it. So if
that growth even slows slightly and they don't have the
sales to be consistently backing themselves in the way that

(39:44):
they have, this share price could actually drop and take
a hit. And if you're buying now, I would say, sorry,
Temple and Webster, but people are probably paying a premium
for your share price. Like I don't know if I
can say this but I personally wouldn't be purchasing it
at this price. I think it's a little bit overpriced,

(40:05):
and I think you're paying a premium for the share
and it might take off and you might be absolutely
rewarded for that, But for me right now, that's probably
you know, when you do a price to earnings ratio,
I'm like, that's not making that much sense. That's so smart. VDS.
Something I know about you is that you don't act
out of urgency. Sometimes I do when I really need
a hash brown.

Speaker 3 (40:23):
That's so fair.

Speaker 2 (40:24):
Yeah, Like, I'm just a girl at the end of day, exactly.
But when it comes to the share market, girl, I
am judging, you know how. Like on TikTok they say
we listen and we don't judge. No, I listen, I judge,
And that's what happens in the share market. I'm going
to yap about it and tell all my friends. Yeah,
well someone's got to absolutely you're doing God's work. Okay,

(40:44):
So this last one, I'm I actually have heard of
this Life three sixty. Yeah, I feel like I feel
like lots of us have heard of Life three sixty.
A lot of Americans use it, which makes sense because
it's based in San Francisco. It's a company that is
based over in the US, but it is listed on
the Australian Stock Exchange. So for anyone who is not

(41:05):
familiar with it, it's giving find my friends from iPhone, Yes,
but better so Life three sixty makes a very popular
what would you call it, like a family safety app? Yeah,
and it let's use this share like real time locations.
It gives you driving alerts like it can be like
Beck speeding crazy right, oh my god. And it tracks

(41:25):
loved ones or pets or your valuables. And it's really
big with parents and caregivers. I said, it's giving find
my friends on iPhone. But like Beck, you don't have
an iPhone, so we couldn't use that. But you and
I across different devices could use Life three sixty. It
also tells you when your friend's battery is low, so
you can do this little prompt that says charge your phone.
It's really good. I guess if like, your friend's going

(41:47):
on a date, you can see that they don't have
much battery left, you're kind of worried.

Speaker 3 (41:50):
You just notice stick around a little bit.

Speaker 2 (41:52):
Yeah, yeah, so good. They've also expanded into an area
called connected devices as well. So do you remember Tile,
the company they're like the tracking device Tile familiar? So
they own Tile Okay, So they own Tile which helps
you find your keys and stuff like you can put
it on a dog on your keys. And they also
own geobit, which actually tracks pets and kids using GPS,

(42:15):
which do you know what? I'm sorry? Before I was
a parent, I was like, why would you track your kids?
Invasion of privacy? And now I'm like, so where can
I put a tracker? Where can I put the tracker?
How do I do? I put it in his shoe?
Do I put it in his pocket? Like what happens
if he goes it out and puts it in the bin?
Just do I hide it in his backpack?

Speaker 1 (42:32):
Like?

Speaker 2 (42:32):
Go, I'm going to be crazy? Like this life three
sixty things makes sense to me. And over the last
twelve months, they've seen their share price rise by more
than one hundred percent and in the past five years
back get their sit down, it's risen more than one
thousand percent and toolate. The reason for this, like if
we dive a little bit deeper, is they're growing fast
and they've hit profitability for the very first time. Oh cool,

(42:55):
it's crazy. So so how do they haven't been making profit?
But they have been growing. And just because a company
doesn't have heaps of profit doesn't mean they're a bad company.
They could be reinvesting all of it back into technology
or staff for advancements. You actually have to look into it.
Just because they're not drawing profit and giving it to
shareholders doesn't mean it's a bad company. Right. They've actually

(43:17):
got now more than eighty three million monthly active users. Okay,
that's a lot of people using it, and there are
more than or in and around I'd say two point
four million paying subscribers. Two point four million people subscribing
to their platform, which I don't know if you know
anything about subscriptions, but like business savvy me, that's strong,

(43:43):
reoccurring revenue. Yeah, every single month, two point four million
people are paying you.

Speaker 3 (43:48):
I am stuck on.

Speaker 2 (43:51):
They haven't made profit until now, and so I'm like,
how do they survive? Like how they're paying their rent? Well,
they could have been paying their rent, right, they could
have been making like let's say they make ten dollars
and then operation costs to ten dollars. They're not making profit.
There's nothing to bring out of the business, but maybe
every single dollar that they earned they were finding a
way to spend back in. Okay, sobly sometimes if you

(44:11):
have a company where every single dollar earned is being spent,
that doesn't mean it's a good spend. Yeah, but now
they've kind of got the numbers to prove it. Because
if you've got eighty three million people using your platform
or you know, active users, and then you've got two
point four million people paying you monthly, they've clearly been
reinvesting into getting more people and drawing that in and

(44:33):
now they might go all right, time to sit back,
time to stop reinvesting and start making profit because at
some point we all just want to make money. They've
started making money on their core product now, which obviously
as an investor, we love that. And they're growing revenue
by over thirty percent year on you. So that's pretty good. Like,

(44:53):
that's good growth even while other tech companies are slowing down. Yeah,
their business model is known what's I don't know, have
you heard a freemium No, but I can imagine. Yeah,
So their business model is known as like a freemium model,
which means that the basic app is free. We love this.
It means that there is a lot of people, as

(45:14):
you can tell because they have eighty three million active
users but only two point four million pay them. Yeah,
so it means that there's a lot of opportunity to
upsell to premium features like maybe crash detection on their platform,
or like driving reports or emergency assistance or whatnot. So
you don't have to pay to use their platform, which
I think is nice. You obviously have to pay to
get their product, but you don't have to pay to

(45:35):
use their subscription. And their device ecosystem, I would say,
is very clever. Like it's pretty smart anyway, if you
buy a tile or you buy a geobit that locks
you in even more. It's not just an app anymore.
It's like a whole platform for family safety. Sure, it's
kind of cool.

Speaker 3 (45:53):
That is cool, and I haven't paid for a subscription,
but I feel like I'm getting more than a bug
and for it.

Speaker 2 (45:59):
Like I have an or right and I'm obsessed with
my Aura ring. But the thing that annoys me the
most is like I can't use my or ring unless
I pay the monthly subscription. Oh that is so dumb.
I know.

Speaker 3 (46:10):
I don't like it.

Speaker 2 (46:10):
And like I love my Aora ring to bits, but
I also kind of go, maybe all change. There's like
one called a Superhuman ring that has a free app,
and I'm kind of like, oh, I'll move off that.
So like, I think other consumers feel this way as well,
Like we all want a free option and then maybe
pay for upgrades. Totally. I get that. Like a bit

(46:31):
and that is a Mozza that ring, so it's like
you've paid surely well and truly anyway, enough about that,
I'm getting angry now, so you're mad about it?

Speaker 3 (46:41):
So what kind of things should we be watching out for?

Speaker 2 (46:44):
Right?

Speaker 3 (46:44):
Yeah?

Speaker 2 (46:44):
So first of all, it's a US company competing with
I would say the US giants. So it's competing with Apple,
it's competing with Google, and I mean the first thing
I did when trying to explain Life three sixty to
you was like, find my friends on Apple. So clearly
there's competition. But these platforms like Apple and Google, they

(47:04):
actually already have these systems built into their devices, so
like find my Friends is free for me on my iPhone,
So like, why would I go and get Live three
sixty if there's already a free version on my phone? Yeah? Right,
and I think that having that pre built in location
sharing tool might be I don't know, something that is

(47:27):
a risk for them. So they have to stay ahead
by offering better features, like they're going to need to
be more accurate, they're going to need to build more loyalty,
like they're going to have to be quite strategic about that.
And while their subscriber base is growing, I would say
the valuation is a little bit rich, Like when you
break it down, their share price is already reflecting I

(47:51):
would say, very high expectations for performance, like, yes, it
is so cool that they have increased, Yes, it is
so cool that like it's one hundred percent, like and yes,
over five years they've increased one thousand percent, like big dogs,
let's go. But I would say that's set high expectations.
But like we went back to the point that you
got a little bit stuck on before You're like, what

(48:12):
do you mean they haven't made profit? Yeah, exactly, Beck, exactly.
So any slip and performance or any like slowed down
in their growth could actually spook the market and people
might start selling and being like I was excited about
Life three sixty, Now I'm not so. I guess Life
three sixty. They have a really sticky product, Like once

(48:33):
you're in the ecre it's like people who are already
in the Apple ecosystem. Yeah, so hard to leave, so
hard to leave. I get that. But having a sticky
product means they have lots of ways to scale, but
you have to be comfortable with the fact that it's
still in what I would call growth mode and it's
being priced that way. Yeah, okay, okay, so that was

(48:56):
I mean, my biggest takeaway here is that I not
to give advice. There are a few things on here
that I just kind of want to keep my eye on.
So we've made it through this big list of five.
What's the big takeaway you want to leave us with?
I guess before we wrap, I want to do another
disclaimer because I'm always so anxious talking about share prices
and stuff. But everything you and I have been chatting

(49:18):
about today, it's just a little bit of a snapshot
in time, right, It's just a snapshot in time. Past
performance is not a reliable predictor of future performance. Trec
and I want to drum that into absolutely everyone, And
it's just based on where markets were when we hit
record on this episode today, Like things could change, Like
you could be listening to this episode literally two days

(49:40):
after I record it, and Life three sixty could be
through the floor.

Speaker 3 (49:43):
That's not true.

Speaker 2 (49:44):
Who knows, So, you know, take everything with a grain
of salt. Yes, share prices, they move, and they move fast,
and even in the last week, some of the numbers
will have shifted, right, And that's okay because we're just
having a chat about it, and we all have a
head screwed on You New York going to go make
an investment to see based on this conversation, are you, Beck? No,
absolutely not. And while a company doubling in value might

(50:06):
sound really sexy and it might sound really impressive, that
doesn't actually automatically make it a good investment right now,
right you might go, they've doubled fantastic, I want to
get on that train. Sorry, sit down. Just because you
saw the shiny train doesn't mean we need to get
on the shiny train. You don't even know where it's.

Speaker 3 (50:22):
Going, totally. Maybe it's peak.

Speaker 2 (50:23):
It could be overly expensive, yeah, sorry, Are we overpaying
for things in twenty twenty five? No, absolutely not. And yes,
in some ways it could be priced for what people
will hope will happen, which is a lot of what
we've seen in this episode, and it's not what I
actually guaranteed. So I mean, I'm still a blue chip
stock kind of girly. And no matter how shiny something

(50:45):
looks back, whether it's gold or tech or furniture or pharmacy,
you literally never want to put all of your investing
eggs in one investing basket. Like I'm not going to
go buy just pharmaceuticals. I'm not going to go buy
just gold because, as we said before, gold perform when
the market's in turmoil. Yes, and we want to spread
across everything. He really good diversification. Did you just say,

(51:08):
hedge it, get it clean, get it clean, Thank you.
But diversification is the name of the game, right We
want that, and the goal is to build a portfolio
that weathers all of the different conditions and ultimately helps
us create wealth, not just looks shiny and is a
bit click baity and oh my god, I saw this
online and I'm going to buy it right now. That's

(51:28):
not how we We don't chase what's going on in
the moment. We get to look at it, we get
to be pervy, we get to watch all the tiktoks,
we get to have a yap about it, we get
to listen to podcasts about it. Doesn't mean we're buying it, right, Yeah, totally.
And of course, if picking individual stocks is not your thing,
which it doesn't have to be. I think I've told
you guys before, pretty publicly, I'm an ETF girlie. She's

(51:49):
an ETF girly, I'm an ETF girlie. Or if you
just don't have time, there are so many other ways
you too could be an ETF girlie. You don't have
to keep up with every market move. Or you could
do what I do, keep up with every single market
move because you're really interested in it, but in the background,
you're actually investing portfolio. Really Vanilla, really base sick. She's

(52:10):
a little bit boring, But like, girl, you best believe
when I retire, I'm going to be pretty well. I
know you're gonna be oh my god, I'm gonna be okay.

Speaker 3 (52:19):
You know, yeah, you're gonna be okay.

Speaker 2 (52:21):
Like I've put myself in a position where I can
comfortably say that the coffees will be on me. Yeah okay,
And that's the position I think most of us want
to be in. I will remember that for sixty years.
I mean you probably remember it now. I don't think
we've ever gone out and let you pay for a coffee.

Speaker 3 (52:37):
Actually, that's very true. Sit down so great tips is
always v D. Thank you so much.

Speaker 2 (52:41):
I do try it, but I do love having a
yap about the share market. God, I know you have
good feedback. Let us know, because then my producer will
let me do more episodes like this. Yes, please say
it's in the comments on Spotify. Be like, please, Emma,
please let Victoria have more share, Please more share talk.
If you found this episode.

Speaker 3 (52:58):
Helpful, make sure you follow the show.

Speaker 2 (53:00):
We've got plenty more deep dies like this coming your way,
and we'd love to have you along for the ride.

Speaker 3 (53:05):
He'd follow, leave us a review, or share this with
a friend who's trying to make sense of the market too.
I love this. This is so cute.

Speaker 2 (53:11):
It just reminds me that I want to stay in
ear tea earlier, Like I love the drama. I want
to talk about it, but it's like I'm that type
of person who I love to hear about the drama
but like to be involved. I want to hear what
your friend did at the hairdresser. I don't want to
go to the hairdresser. You know, if goss has dropped,
if tears spilled in the forest and no one's around
to hear it, did it ever spill? Exactly?

Speaker 3 (53:34):
Is what I'm trying to say.

Speaker 2 (53:35):
And you know what you mean. Let's go and actually
get a coffee so that that can come out straight
for the next six see later, guys, Hi, guys, did
buy shared? Or She's on the Money is general in
nature and does not consider your individual circumstances. She's on
the Money exists only for educational purposes and should not

(53:58):
be relied upon to make it in smith 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 Divine and Sheese on the Money are
authorized representatives of Money sherper p T y lt D
A b N three two one six four nine two

(54:18):
seven seven zero eight AFS L four five one two
eight nine

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