December 18, 2024 • 14 mins
How has Sharesies evolved this year?
The three Sharesies CEOs look back at a jam-packed 2024, growing from an investment platform to a comprehensive wealth app, with insurance, Save and PIE Save, and KiwiSaver—plus an array of innovative features.
Even better, we get a look ahead at 2025, including Spend, a new product backed by Mastercard, and U.S. markets coming to the Sharesies KiwiSaver scheme. And we test the trio’s knowledge of our key numbers for the year (including over 15M total buys, 1.4M sells, and $110M added to KiwiSaver!).
For more or to watch Shared Lunch on YouTube—check out http://linktr.ee/sharedlunch
Shared Lunch is brought to you by Sharesies Limited (NZ) in New Zealand and Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) (collectively referred to as ‘Sharesies’).
Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own. Shared Lunch is not personal financial advice and provides general information only. Past performance is not an indication of future performance. We recommend talking to a licensed financial adviser. You should review relevant product disclosure documents before deciding to invest. Investing involves risk. You might lose the money you start with. Content is current at the time.
See omnystudio.com/listener for privacy information.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:01):
Cura Tatou. Welcome to this special episode of Shared Lunch
called Brooker Hoo. I'm Brook Roberts, one of the co
founders and Coco's at Cheza's, and I'm really fortunate to
be here with the fellow co founders and co CEOs
of Chezia's, Leyton and Sonya. Usually we have some experts
or business leaders in, but I've got you lot also
(00:22):
experts and business when we're here. In this special episode,
we're going to peel back what we've been doing here
at Chezy's over the last year and talk a bit
about where we're going. And I've heard that there is
this box with some sweet competition that we're going to
have to have, which we know that we love a
(00:43):
bit of competition amongst us, so bring it on.
Speaker 2 (00:46):
Investing involves a risk you might lose the money you
start with. We recommend talking to a licensed financial advisor.
We also recommend reading product disclosure documents before deciding to invest.
Everything you're about to see and here is current at
the time recording.
Speaker 1 (01:00):
You might hear some jingles in the background. Sonya and
I are wearing antlea airs and some sweet as Christmas
tops that the team set us up in but Laton
has the most ridiculous head piece on that makes them
look like a Christmas tree. I don't really know how
to explain it, but why you calls themselves the star
of the shows because at the top of the Christmas
tree there's a star and he says he's here with
two goats and he's the star. So that is what
(01:22):
is audibly visually aptic right out.
Speaker 3 (01:26):
You do both, and thankfully I haven't seen me.
Speaker 1 (01:29):
Yet to kick off, Well, how are you feeling? How
has this here been? What are you been reflecting on?
Have you even got to that yet?
Speaker 3 (01:36):
Look, firstly, I think the way investors on the investing
platform have stuck to their guns. We've grown the number
of auto investors on the platform for a tough economy,
and my personal view as we're coming out of that now,
and I know things are still tough out there, but
with interest rates dropping, inflation much lower, I think my
(01:57):
personal view again, we're probably at the start of an
ext good cycle, so an opportunity for some people to
really grow their wealth. And then I'll add one more,
which is cheersy's really becoming a wealth fap. So we've
got a bunch of people saving on the platform. We've
got a bunch of people ensuring their cars on the platform,
We've got a bunch of people saving for retirement in
their first home, and the key receiver, and I'm really
(02:18):
excited for all the things we can deliver over the
next year there too.
Speaker 4 (02:21):
I'm personally feeling like I guess it's stunning in Wellington
at the moment, and that always brings quite a nice
vibe to the end of the year, sitting back, you
know where we started the air. Of course, there's been
so much that's happened in the external environment. There has
been a lot of change and shift about I think
really I'm coming into the year, especially like from Cheerze's perspective,
feeling really proud of what we've achieved as a team.
(02:43):
We started Cheersy's trying to make it easy to invest,
and I think the change that we're making now into
the future around really helping people grow their wealth and
laying some of the foundation for that. And this year
and over the past few years seeing that come to
life has been hugely impactful, and I really think so
(03:05):
that's feeling really great for us as a business, and
I think we're solving more needs for people at a
time where people are really thinking about money, and hopefully
we're having those money conversations in a really empowering way.
And that's the feedback I'm getting from people and bump
into them on the street when I'm wearing my Chess
t shirt, just to touch on how many like the
(03:27):
different ways that we try and create that shareholder relationship now.
So the number of people who have also been given
like staff shares through Chess now is really great. So
I think looking back seeing all those highlights of how
just were creating those different ways that people can touch
and get engaged with their money, I feel really toughed
(03:48):
about that.
Speaker 1 (03:48):
Yeah, it's how about you. I don't feel like the
year's ended yet, you know, I still feel like there's
so much more to do. I mean, today we launched
PI Save. When this go's live will be few days old,
but within a few hours it's already got over ten
million dollars in it. It just shows the ways that we're
helping build our health happenings both of you mentioned actually
help people grow wealth. We've really started to deliver on
(04:12):
that heaps this year. We did start the year as
an investment platform. Really we had Key we Save added
at the end of last year, but now we do
have insurance save key we Savor, and we all look
at it through that lens of how do we actually
help people develop wealth? And so really chuffed with where
we've got to in that journey, but it also still
feels like day one to us. It's not even you know,
(04:34):
a tenth of the way of where we had our
initial aspirations of where Chess can go. So I can't
wait to start bringing more of that.
Speaker 2 (04:39):
To life next year.
Speaker 1 (04:41):
And then yah, working more with businesses because as we learned,
you know, a lot of companies they did want to
they do want to have better relationships with their retail investors,
and they do want to be able to have better
yeah communications with all their shareholders. And so it was
great to bring Orchestra into the shares as FA No
this year and you know, support companies, whether they're listed
or not on with their shareholder communications and management and
(05:06):
star share schemes, which ultimately, you know, we do really
hope that anybody's working in a company, part of their
rent package they get shares in't it. So it's quite
cool to start seeing that attraction towards that. So really
chuffed actually with how we've been progressing this year and
personally feel like I've just been out there. You know,
you were in Australia if you live there this year.
(05:29):
Any other things you want to share about this year.
Speaker 4 (05:32):
Yeah, we have been growing our Australian business over the
last three years and so this year and you've Brook
and Land. I've spent time there already, but this year
I spent some time over with our Australian team, and
I think there's lots of ambition and aspiration in Australian culture.
I think there is, you know, so much kind of
(05:54):
desire and aspiration to grow wealth, and there are kind
of other platforms over there doing it, but no one
really playing in cheesea space, So I think that's it
just kind of speaks to the opportunity. And we've developed
some really great partnerships to date over there as well
and really kind of taking the Cheeseys brand over to Australia,
and we do have a fantastic team there. So we
(06:16):
also got our license to be able to operate, so
all the kind of pieces are falling into place. I
feel like Sunshine is my word at the moment, but
are like, there's definitely like sunshine through winter over there,
which was nice to experience. But you know, we've got
such a great product, such a great team, but also
such a like this big opportunity as well to really
make a difference here. So I think feeling really positive
(06:38):
about Australia in my time there.
Speaker 2 (06:40):
So we love a game.
Speaker 1 (06:42):
The Seared Lunch team have pulled together some questions for
us that we then write on our whiteboards what we
think the answers. Have got whiteboards here, each of us
with a red pen, and then we'll show them and
see who gets the answers, right, sonya you get to
open the first.
Speaker 4 (06:58):
Do I think how many total buyers were placed this
year to date on Shesyes?
Speaker 5 (07:04):
Real so later Billie's been the average trade size of
about six hundred dollars. You're fucking correct.
Speaker 1 (07:20):
Across the Zealand in Australia.
Speaker 5 (07:22):
Later, how many cells so.
Speaker 2 (07:30):
Over thirty five millions?
Speaker 3 (07:35):
Income investors?
Speaker 4 (07:37):
Yeah, I must say I love when I get my
little notification. It's a highlight.
Speaker 1 (07:42):
Dividends been paid in for your.
Speaker 3 (07:43):
Wallets and on top of it that goes into the DRPs.
Speaker 1 (07:47):
Yes, and a dividend reinvestment a DRP is when if
a company is paying out dividends, you can make that
money reinvested to buy more she is in the company.
So other three most widely held investments from our key
we investors this year, oh I had Smart which was
(08:10):
Smart shares ETFs, the NZ Top fifteen, US five hundred,
Smart US five hundred and New Zealand and Top fifty. Yeah,
and two of those funds were ones that were on
the two six and when we started shares Ease time
good point.
Speaker 3 (08:27):
How much did our save customers make an interests this year?
Speaker 1 (08:31):
So we paid out seven point five million in interest
this year. And pis save Frixley Baked, so pis save
We just we've just launched. The first day, it had
over ten million dollars deposited in the first few hours
of it launching. And a PI save means that the
(08:52):
top tax rate for a pie product PI text rate
is twenty percent. If your prescribed investor rate is higher
than twenty eightercent, then the max is twenty eightercent, So
that is where people can get a higher effective savings
rate essentially. So yeah, it's pretty cool that we've launched
that now how much was added to kiwisaver and this
is to Scheresy's Kiwi Saver. It is one hundred and
(09:14):
ten million.
Speaker 4 (09:15):
So the quiz was a little bit of a little
bit of a stitch up the tree of wisdom over
here though.
Speaker 3 (09:25):
Start of the show.
Speaker 4 (09:27):
Turns out Brooke and I had the answers later that
was all just from his own mind. So finger on
the pulse, mate. It's fun fun to look back over
the year and like, the thing for us is what
those numbers will represent is our mission to create financial
empowerment for everyone. And all of those numbers moving in.
Speaker 1 (09:46):
The right direction.
Speaker 4 (09:47):
People engaging on the platform, getting paid, dividends, buying, selling,
owning companies, owning funds, all piecing it together to build
their wealth is so so important to us. And I
think all of us would say that we're just at
the beginning of that journey for Shareses, and so we're
keen to give a bit of a what's exciting you
(10:07):
for next year or for the future. We'll start with Europe.
Speaker 1 (10:09):
Yeah. Cool. One thing we're working on at the moment,
it's really all on here at Cheesy's behind the scenes,
is the release of Spend, which will be coming next year.
So we've done a deal with master Card. We were
going to have a Cheesy's debit card which you can
have in your wallet or you know, or sweet as
(10:29):
physical card. And why I'm excited about this is I'm
really excited for people to see that the money that
they earn, all the money that they have, is their
wealth and then thinking about it rather than just money,
It's like my wealth and what am I doing with it?
And how do I, yeah, make sure that I'm investing
in the now and how we live life now, but
also how can we make sure that is setting us
up well for the future. And I think the way
(10:51):
that we think about money here and how we think
about wealth, I think once we have those insights, we're
we're really able to help people create really awesome financial habits,
which at the end of the day is what ultimately
develops wealth. So pretty excited for that. Yeah, what about you, laden.
Speaker 3 (11:09):
Yes, I'm excited for that as well. And I'm excited
for I think I probably said this last year, but
things always take longer than what you think. Today is
the US markets into Kiwisaver, so that's going to include
the US five hundred fund, so which is that by far?
I think it's like there's three different versions of that
(11:30):
fund that are three of the most popular investments on
the platform, which is really really cool, and also some
self select options and there for people as well to
build their portfolios in a way they want, which is
really exciting. And again US markets are popular on the platform,
so we know they're going to be popular and heaps
people asking for them. So it's so fantastic to have
lots of epic local investment going into our own exchange.
(11:51):
We want to keep building that. But there's also lots
of lots of Kiwi who you know, who have founded
companies and then they've released them on to the US exchanges,
so available on the air, and of course there's lots
of people and you see them as well, who work
for companies offshore. So there's lots of reasons to like that.
Plus just the sheer market size an opportunity that comes
(12:12):
with us. I'm really really excited about that.
Speaker 4 (12:14):
Nice What about you, Sonny, Just as you were saying that,
I thought of that quote of you underestimate what you
can deliver, yes in ten years and over, and do
estimate what you can deliver in a year. So yeah,
super excited for what's to come. And I think we
are ambitious in the one year end in the ten
years at Chea's, which is really cool. So hopefully we'll
deliver more than what we think we can in the
(12:36):
ten year. If we come even shorter that it would
be a beautiful place.
Speaker 1 (12:40):
I think.
Speaker 4 (12:41):
I'm really excited. Like you talked about how we're adding
spend to Chears's, and we're also developing the entire proposition
around that. So we talked about Cheesy's becoming a wealth app,
and that's just pushing that even further. It's looking at
how all those products connect to drive better outcomes for
you and your faro. So also how we connect you
(13:01):
to the people in your life, because we know that
that's really important as well. So we're seeing lots of
change coming in that space, looking at how we can
add rewards and make investing for the long term great
and the short term as well, and making sure that
people really do feel like they've got the tools and
the support and the motivation to really drive those outcomes
(13:23):
that they want for themselves and the people around them.
So I'm like super excited for next year. I always
say this a way.
Speaker 1 (13:31):
I need a new win hat.
Speaker 3 (13:33):
Yeah, I've got the Christmas tree now, but here's my
win hats down there, and I reckon it's going to
be a good year for people next year. I'm wishing
everyone all the best.
Speaker 1 (13:42):
Course, So that's a rap for Shared Lunch twenty twenty four.
I want to give a massive shout out to everybody
who has been on these episodes this year, to our
Shared Lunch team who make it all happen, and to
the nearly five hundred thousand of you who have been
tuning in throughout the year. We can't wait to show
you what's in store for twenty two. And as you'll
you would have heard just before, we've got some really
(14:03):
cool things happening at Cheersy's. We've got some really interesting
conversations to have too, as we hopefully thrive in twenty
five
Cura Tatou. Welcome to this special episode of Shared Lunch
called Brooker Hoo. I'm Brook Roberts, one of the co
founders and Coco's at Cheza's, and I'm really fortunate to
be here with the fellow co founders and co CEOs
of Chezia's, Leyton and Sonya. Usually we have some experts
or business leaders in, but I've got you lot also
(00:22):
experts and business when we're here. In this special episode,
we're going to peel back what we've been doing here
at Chezy's over the last year and talk a bit
about where we're going. And I've heard that there is
this box with some sweet competition that we're going to
have to have, which we know that we love a
(00:43):
bit of competition amongst us, so bring it on.
Speaker 2 (00:46):
Investing involves a risk you might lose the money you
start with. We recommend talking to a licensed financial advisor.
We also recommend reading product disclosure documents before deciding to invest.
Everything you're about to see and here is current at
the time recording.
Speaker 1 (01:00):
You might hear some jingles in the background. Sonya and
I are wearing antlea airs and some sweet as Christmas
tops that the team set us up in but Laton
has the most ridiculous head piece on that makes them
look like a Christmas tree. I don't really know how
to explain it, but why you calls themselves the star
of the shows because at the top of the Christmas
tree there's a star and he says he's here with
two goats and he's the star. So that is what
(01:22):
is audibly visually aptic right out.
Speaker 3 (01:26):
You do both, and thankfully I haven't seen me.
Speaker 1 (01:29):
Yet to kick off, Well, how are you feeling? How
has this here been? What are you been reflecting on?
Have you even got to that yet?
Speaker 3 (01:36):
Look, firstly, I think the way investors on the investing
platform have stuck to their guns. We've grown the number
of auto investors on the platform for a tough economy,
and my personal view as we're coming out of that now,
and I know things are still tough out there, but
with interest rates dropping, inflation much lower, I think my
(01:57):
personal view again, we're probably at the start of an
ext good cycle, so an opportunity for some people to
really grow their wealth. And then I'll add one more,
which is cheersy's really becoming a wealth fap. So we've
got a bunch of people saving on the platform. We've
got a bunch of people ensuring their cars on the platform,
We've got a bunch of people saving for retirement in
their first home, and the key receiver, and I'm really
(02:18):
excited for all the things we can deliver over the
next year there too.
Speaker 4 (02:21):
I'm personally feeling like I guess it's stunning in Wellington
at the moment, and that always brings quite a nice
vibe to the end of the year, sitting back, you
know where we started the air. Of course, there's been
so much that's happened in the external environment. There has
been a lot of change and shift about I think
really I'm coming into the year, especially like from Cheerze's perspective,
feeling really proud of what we've achieved as a team.
(02:43):
We started Cheersy's trying to make it easy to invest,
and I think the change that we're making now into
the future around really helping people grow their wealth and
laying some of the foundation for that. And this year
and over the past few years seeing that come to
life has been hugely impactful, and I really think so
(03:05):
that's feeling really great for us as a business, and
I think we're solving more needs for people at a
time where people are really thinking about money, and hopefully
we're having those money conversations in a really empowering way.
And that's the feedback I'm getting from people and bump
into them on the street when I'm wearing my Chess
t shirt, just to touch on how many like the
(03:27):
different ways that we try and create that shareholder relationship now.
So the number of people who have also been given
like staff shares through Chess now is really great. So
I think looking back seeing all those highlights of how
just were creating those different ways that people can touch
and get engaged with their money, I feel really toughed
(03:48):
about that.
Speaker 1 (03:48):
Yeah, it's how about you. I don't feel like the
year's ended yet, you know, I still feel like there's
so much more to do. I mean, today we launched
PI Save. When this go's live will be few days old,
but within a few hours it's already got over ten
million dollars in it. It just shows the ways that we're
helping build our health happenings both of you mentioned actually
help people grow wealth. We've really started to deliver on
(04:12):
that heaps this year. We did start the year as
an investment platform. Really we had Key we Save added
at the end of last year, but now we do
have insurance save key we Savor, and we all look
at it through that lens of how do we actually
help people develop wealth? And so really chuffed with where
we've got to in that journey, but it also still
feels like day one to us. It's not even you know,
(04:34):
a tenth of the way of where we had our
initial aspirations of where Chess can go. So I can't
wait to start bringing more of that.
Speaker 2 (04:39):
To life next year.
Speaker 1 (04:41):
And then yah, working more with businesses because as we learned,
you know, a lot of companies they did want to
they do want to have better relationships with their retail investors,
and they do want to be able to have better
yeah communications with all their shareholders. And so it was
great to bring Orchestra into the shares as FA No
this year and you know, support companies, whether they're listed
or not on with their shareholder communications and management and
(05:06):
star share schemes, which ultimately, you know, we do really
hope that anybody's working in a company, part of their
rent package they get shares in't it. So it's quite
cool to start seeing that attraction towards that. So really
chuffed actually with how we've been progressing this year and
personally feel like I've just been out there. You know,
you were in Australia if you live there this year.
(05:29):
Any other things you want to share about this year.
Speaker 4 (05:32):
Yeah, we have been growing our Australian business over the
last three years and so this year and you've Brook
and Land. I've spent time there already, but this year
I spent some time over with our Australian team, and
I think there's lots of ambition and aspiration in Australian culture.
I think there is, you know, so much kind of
(05:54):
desire and aspiration to grow wealth, and there are kind
of other platforms over there doing it, but no one
really playing in cheesea space, So I think that's it
just kind of speaks to the opportunity. And we've developed
some really great partnerships to date over there as well
and really kind of taking the Cheeseys brand over to Australia,
and we do have a fantastic team there. So we
(06:16):
also got our license to be able to operate, so
all the kind of pieces are falling into place. I
feel like Sunshine is my word at the moment, but
are like, there's definitely like sunshine through winter over there,
which was nice to experience. But you know, we've got
such a great product, such a great team, but also
such a like this big opportunity as well to really
make a difference here. So I think feeling really positive
(06:38):
about Australia in my time there.
Speaker 2 (06:40):
So we love a game.
Speaker 1 (06:42):
The Seared Lunch team have pulled together some questions for
us that we then write on our whiteboards what we
think the answers. Have got whiteboards here, each of us
with a red pen, and then we'll show them and
see who gets the answers, right, sonya you get to
open the first.
Speaker 4 (06:58):
Do I think how many total buyers were placed this
year to date on Shesyes?
Speaker 5 (07:04):
Real so later Billie's been the average trade size of
about six hundred dollars. You're fucking correct.
Speaker 1 (07:20):
Across the Zealand in Australia.
Speaker 5 (07:22):
Later, how many cells so.
Speaker 2 (07:30):
Over thirty five millions?
Speaker 3 (07:35):
Income investors?
Speaker 4 (07:37):
Yeah, I must say I love when I get my
little notification. It's a highlight.
Speaker 1 (07:42):
Dividends been paid in for your.
Speaker 3 (07:43):
Wallets and on top of it that goes into the DRPs.
Speaker 1 (07:47):
Yes, and a dividend reinvestment a DRP is when if
a company is paying out dividends, you can make that
money reinvested to buy more she is in the company.
So other three most widely held investments from our key
we investors this year, oh I had Smart which was
(08:10):
Smart shares ETFs, the NZ Top fifteen, US five hundred,
Smart US five hundred and New Zealand and Top fifty. Yeah,
and two of those funds were ones that were on
the two six and when we started shares Ease time
good point.
Speaker 3 (08:27):
How much did our save customers make an interests this year?
Speaker 1 (08:31):
So we paid out seven point five million in interest
this year. And pis save Frixley Baked, so pis save
We just we've just launched. The first day, it had
over ten million dollars deposited in the first few hours
of it launching. And a PI save means that the
(08:52):
top tax rate for a pie product PI text rate
is twenty percent. If your prescribed investor rate is higher
than twenty eightercent, then the max is twenty eightercent, So
that is where people can get a higher effective savings
rate essentially. So yeah, it's pretty cool that we've launched
that now how much was added to kiwisaver and this
is to Scheresy's Kiwi Saver. It is one hundred and
(09:14):
ten million.
Speaker 4 (09:15):
So the quiz was a little bit of a little
bit of a stitch up the tree of wisdom over
here though.
Speaker 3 (09:25):
Start of the show.
Speaker 4 (09:27):
Turns out Brooke and I had the answers later that
was all just from his own mind. So finger on
the pulse, mate. It's fun fun to look back over
the year and like, the thing for us is what
those numbers will represent is our mission to create financial
empowerment for everyone. And all of those numbers moving in.
Speaker 1 (09:46):
The right direction.
Speaker 4 (09:47):
People engaging on the platform, getting paid, dividends, buying, selling,
owning companies, owning funds, all piecing it together to build
their wealth is so so important to us. And I
think all of us would say that we're just at
the beginning of that journey for Shareses, and so we're
keen to give a bit of a what's exciting you
(10:07):
for next year or for the future. We'll start with Europe.
Speaker 1 (10:09):
Yeah. Cool. One thing we're working on at the moment,
it's really all on here at Cheesy's behind the scenes,
is the release of Spend, which will be coming next year.
So we've done a deal with master Card. We were
going to have a Cheesy's debit card which you can
have in your wallet or you know, or sweet as
(10:29):
physical card. And why I'm excited about this is I'm
really excited for people to see that the money that
they earn, all the money that they have, is their
wealth and then thinking about it rather than just money,
It's like my wealth and what am I doing with it?
And how do I, yeah, make sure that I'm investing
in the now and how we live life now, but
also how can we make sure that is setting us
up well for the future. And I think the way
(10:51):
that we think about money here and how we think
about wealth, I think once we have those insights, we're
we're really able to help people create really awesome financial habits,
which at the end of the day is what ultimately
develops wealth. So pretty excited for that. Yeah, what about you, laden.
Speaker 3 (11:09):
Yes, I'm excited for that as well. And I'm excited
for I think I probably said this last year, but
things always take longer than what you think. Today is
the US markets into Kiwisaver, so that's going to include
the US five hundred fund, so which is that by far?
I think it's like there's three different versions of that
(11:30):
fund that are three of the most popular investments on
the platform, which is really really cool, and also some
self select options and there for people as well to
build their portfolios in a way they want, which is
really exciting. And again US markets are popular on the platform,
so we know they're going to be popular and heaps
people asking for them. So it's so fantastic to have
lots of epic local investment going into our own exchange.
(11:51):
We want to keep building that. But there's also lots
of lots of Kiwi who you know, who have founded
companies and then they've released them on to the US exchanges,
so available on the air, and of course there's lots
of people and you see them as well, who work
for companies offshore. So there's lots of reasons to like that.
Plus just the sheer market size an opportunity that comes
(12:12):
with us. I'm really really excited about that.
Speaker 4 (12:14):
Nice What about you, Sonny, Just as you were saying that,
I thought of that quote of you underestimate what you
can deliver, yes in ten years and over, and do
estimate what you can deliver in a year. So yeah,
super excited for what's to come. And I think we
are ambitious in the one year end in the ten
years at Chea's, which is really cool. So hopefully we'll
deliver more than what we think we can in the
(12:36):
ten year. If we come even shorter that it would
be a beautiful place.
Speaker 1 (12:40):
I think.
Speaker 4 (12:41):
I'm really excited. Like you talked about how we're adding
spend to Chears's, and we're also developing the entire proposition
around that. So we talked about Cheesy's becoming a wealth app,
and that's just pushing that even further. It's looking at
how all those products connect to drive better outcomes for
you and your faro. So also how we connect you
(13:01):
to the people in your life, because we know that
that's really important as well. So we're seeing lots of
change coming in that space, looking at how we can
add rewards and make investing for the long term great
and the short term as well, and making sure that
people really do feel like they've got the tools and
the support and the motivation to really drive those outcomes
(13:23):
that they want for themselves and the people around them.
So I'm like super excited for next year. I always
say this a way.
Speaker 1 (13:31):
I need a new win hat.
Speaker 3 (13:33):
Yeah, I've got the Christmas tree now, but here's my
win hats down there, and I reckon it's going to
be a good year for people next year. I'm wishing
everyone all the best.
Speaker 1 (13:42):
Course, So that's a rap for Shared Lunch twenty twenty four.
I want to give a massive shout out to everybody
who has been on these episodes this year, to our
Shared Lunch team who make it all happen, and to
the nearly five hundred thousand of you who have been
tuning in throughout the year. We can't wait to show
you what's in store for twenty two. And as you'll
you would have heard just before, we've got some really
(14:03):
cool things happening at Cheersy's. We've got some really interesting
conversations to have too, as we hopefully thrive in twenty
five
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