December 21, 2025 • 24 mins
As we head into the holidays, we’re taking a moment to look back on a year of big milestones at Sharesies. 2025 has been all about bringing our customers more freedom and flexibility and new ways to grow your wealth.
In this special end-of-year episode, we’re featuring epic wealth stories from Sharesies customers, plus our co-CEOs, Sonya, Leighton, and Brooke with their 2025 highlights and what’s coming in 2026.
For more or to watch on YouTube—check out http://linktr.ee/sharedlunch
Shared Lunch is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it’s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions—including a Target Market Determination and IDPS Guide for Sharesies Australian customers—can be found on our relevant Australian or NZ website.
Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance.
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. The customers shown in this episode are Sharesies investors, and their stories are actual experiences they’ve had - their stories are not advice, or a recommendation or opinion to invest or to use Sharesies in the manner they have. They’re compensated for their time to record their story.
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 (00:03):
Curta.
Speaker 2 (00:04):
Welcome to the last episode of Shared Lunch for twenty
twenty five. We'll be sharing some personal highlights.
Speaker 3 (00:11):
Loved really sing that evolution of us from kind of
investing and keep you saving into like bringing it all
together and really being able to solve more people as well.
Speaker 1 (00:21):
What's coming next?
Speaker 4 (00:22):
We'll invest back like you're getting platinum card returns. Basically
we're still still breaking these things down. You know next
you'll be even more then.
Speaker 1 (00:32):
Also here from a few of our customers.
Speaker 5 (00:34):
But I also want to be in a position where
we don't have to do things just to make money
because we've got this wealth coming in.
Speaker 6 (00:42):
In other ways, investing involves the 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 of recording.
Speaker 1 (00:57):
So who as the we in the room?
Speaker 2 (01:00):
Well, it is myself, Leyton, and Sonya, the three eos
and three of the co founders the Chasis.
Speaker 4 (01:07):
My personal highlight this year was having us self select
into key receiver. I think there's actually lots of highlights,
but that's been one that I've been waiting for for
a long time. I felt like we started thinking about
that a very long time ago, and now it is there.
Speaker 2 (01:23):
I think my personal highlight is that invest back. Really,
it's so good to have that spend card out there
a second. You know, it takes time to innovate in
that space, but I love that, you know, everyone has
to spend money, and it's so cool that they can
be investing at the same time as you know, living
their lives.
Speaker 3 (01:43):
It's like this year, I've just loved seeing you know,
we've launched a lot of new products, but also so
much has gone in between, like how these products come together.
And I think there's so much more even coming out
next year that I'm like really looking forward to. But
I've loved really seeing that evolution of us from kind
of investing in keep you saving, into like bringing it
all together and really being able to solve more people's wealth.
(02:07):
You know, my Nana always had lots of quotes, but
one of them was like knowledge is no load to carry,
and all these things around, like what actually wealth means
can be about freedom of time, how you spend it,
what you choose to invest in and So I think
that actually helping people become wealthy is so joyful because
it is about feeling like you've got some real say
(02:28):
in your life.
Speaker 1 (02:28):
Yeah.
Speaker 2 (02:29):
I think, you know, health is our ultimate wealth. Our
relationships with people is a really important part of wealth.
And then you know, money enables a lot of opportunities,
and so that's why we want to really help more
people get access to developing wealth, and those that have
wealth being able to help them grow and flourish that
and share it within the wider community too, because as
(02:50):
you knows, as a rising tide floats or boats, as
we become more wealthy, as you know, nations and as
people will have more opportunities and be able to share
those down for generations to come. So yeah, I think
wealth needs a reframe, and we're doing it.
Speaker 4 (03:08):
I think there are people who have ambition to have wealth,
like financial wealth, for the sake of financial wealth, and
that makes them feel good, and that's an ambition, but
I actually think that's probably quite a small group of people,
and like most people want wealth for flexibility and freedom,
and ultimately part of it was feeling comfortable about spinning
(03:30):
some of that wealth too, right, so and protecting that
wealth and just it's quite a full picture. So I
like the word. I like the word.
Speaker 2 (03:39):
Now, we've been running this business for you around nine
years to see the compounding nature of our experiences and
our app that we've built and the company that we've
built behind that, and how it's really starting to grow
beyond the if it put in. It just starts to
get growing and growing as more people kind of become
aware of isis and starting to use the Wealth Act
(04:01):
more and our team to get more and more experience
about how to deliver innovation in this space.
Speaker 4 (04:05):
People don't know about the business to business part of Chess,
which is where we have delivered a product and services
for businesses to help empower their stakeholders, whether that's the
people that work for them to get shares and the
companies they work for. If you haven't heard of this
and you work for a big company, you should ask
them to come and speak to Chairsy's and also making
(04:28):
sure that companies are getting their message out to everyone,
like in a way that people want to hear that.
And you know, we've worked with a huge number of partners.
You know, at least an episode a week this week
speaking with different CEO CFOs directors, business leaders, thought leaders
to get more education about both specific companies and what
they're up to, but also the financial sector more broadly.
(04:52):
So we've had a big year. We've got some really
large partners now. We've done a massive amount of work
with Fonterra, We've recently onboarded LAC, We've done a huge
number of employee shares schemes again and we've got a
really strong pipeline for the next year, so we'll be
announcing a few more partnerships there as well. So thank
you also to all the businesses that are choosing us
(05:12):
as a partner for those services.
Speaker 3 (05:15):
When I look at how the business has evolved, how
She has evolved, you know, heading over one hundred thousand
customers in Australia this year, you know like it just
feels like there's a lot everything's kind of hitting it
stride a bit. And as well like just having a
team that has been along on this journey for quite
a lot of it now and really feeling that as
(05:36):
a real woman builder as well.
Speaker 4 (05:38):
Yeah, I think that those two the two things this year.
I think that we've gone like materially towards that vision.
We had a few years ago. So one is that
businesses are a large part of it now, and we
always knew that would be true in some respect, but
that's really starting to happen, so they are really important
partners to that as opposed to just sort of like
(05:59):
an entity on this, I suppose. And then the other
one is like the idea was that the original vision
was the same money opportunities for someone with five dollars
and someone with five hundred thousand dollars, and we've done
that with investing, but it does feel like as we
do that with well what we've done with Q we
see and now with some of the self select options,
but also with invest back, like you're getting platinum card
(06:21):
returns basically with doesn't really matter how much without necessarily
that sort of ten thousand dollar credit limit and stuff
that you need previously on the credit cards. So we're
still still breaking these things down. You know, next year'll
be even more.
Speaker 7 (06:36):
I know.
Speaker 2 (06:36):
What matters most to us is the impact that this
has on you know, the people the you know, over
nine hundred thousand customers that use shares Ease, and I
understand the flip the laptop around because it seems like
they've gone and interviewed some of our customers.
Speaker 1 (06:50):
We get to hear how they viewed years ees and
and kind of react to that. So let's crack into it.
Speaker 7 (06:57):
I realized I wanted my money to work for me
and not in the account my bank account losing money
to inflation. My name is Samantha and I have been
a member of Chas's since I was nineteen years old,
So the money moment was specific goal that prompted me
to start investing and boarding long term wealth. My dad
was a big part of that. From a young age.
(07:18):
He forced me to read money books and he really
wanted me to understand the value of money. So I'm
very lucky you know that I had the financial literacy
early on in my life. But the real turning point
came for me at university and my lecturers started talking
about Laurren Buffett and his story, and then he taught
us about compound interest, and that was the hook for me.
(07:39):
That was where I wanted to get started. So from
that day on, I jumped into investing and I have
ever since. The way I use Chases is I'm on
one of the auto invest plans and contribute every single week.
I've been doing that for many many years. I also
keep a separate pot of money for when starts I'm
watching take a dip or Each is a type that
(08:00):
I've set for myself. So it's a mix of long
term investing and staying prepared for opportunities that come. Cheesy's
has taught me that investing doesn't actually need to be complicated,
gave me the confidence, the freedom and accessible platform to
start investing when I otherwise wouldn't have, and it's helped
me grow a considerable portfolio and six years and at
(08:21):
twenty five years old, I'm very lucky to have what
I have and.
Speaker 8 (08:24):
I have Charsias to thank for that.
Speaker 7 (08:26):
Even being able to invest in crypto now, like, that's crazy.
It used to I invested in crypto like five years
ago and I had to, you know, do all these
separate wallets and go through three different websites to even
be able to invest. So again, like, being able to
invest in crypto so easily on cheers E's is actually crazy.
Speaker 8 (08:44):
If I had to.
Speaker 7 (08:45):
Imagine a world without cheers Ease, I don't actually know
if I ever would have started investing. It's been very
easy to use and evolved over the years and so
have ias. So yeah, I don't know, you know, And
as I've become knowledgeable and I've grown, so hishy is
ease and it's evolved and it's super exciting everything that's
coming out. And I think it's so important to be
(09:08):
knowledgeable and not just invest You need to know why
you're investing instead of just doing it, because you know,
at one point I was down so much on this
one stop. But because I had the knowledge to just
hold in the potentially what the future would hold for it,
you know, I've come away with the reward now. So yeah,
I think that's very important. It's something I've learned this
(09:28):
year because it's definitely an up and down road investing
in stocks. But I think, you know, as Warren Buffett says,
big greedy when others are fearful, and.
Speaker 8 (09:36):
I've definitely learned that this year.
Speaker 7 (09:38):
You know, if I could give any advice to anyone,
is just you know, start today, because you want to
start yesterday once you start, you know.
Speaker 1 (09:43):
So yeah, oh thanks Smitha. They were so cool to hear.
Speaker 2 (09:51):
I loved how you know, she really integrated a lot
of the key things we care about, you know, Like
I remember when I was in finance. Learning about compounding
returns is how do we not learn this at school?
Speaker 7 (10:02):
You know?
Speaker 1 (10:02):
And it's so good that she took that knowledge.
Speaker 4 (10:05):
I still still think some of the story out there
is like it's a bit more complicated than it is
to invest, but it doesn't need to be and actually
just putting money in. And I loved the approach that
she took there. And I was also thinking about how
valuable it can be because starting at nineteen so young,
but that shows like the part of the parent there
(10:27):
as well, how much you can do if you can,
because sometimes you hear from people that's a bit too
late for them, which I don't think is true at all,
and it's certainly not too late for people young people
around that you can impact and try make help along
that road.
Speaker 3 (10:43):
I loved that line around knowing why you're investing in stuff,
because I think that's what trips people are. But it's
going like have I got the right investments in my
book folio? It's like you've got to know what you're
trying to do and drive that. And I thought, just
some really nice stories which is obvious that you know
the behaviors we've been trying to put into the platform
(11:05):
really are kind of becoming behaviors that people are following
and using.
Speaker 1 (11:09):
Yeah, and you're so right about the impact of the dad.
Speaker 2 (11:13):
There are like the well meaning adult who we have
eighty thousand kids on. She is ease because some well
meaning adults set them up. So it's so exciting to
think about what their future is going to be like
and how they just have no one ever since you know,
they've not about money.
Speaker 1 (11:29):
That investing is the thing that's interesting.
Speaker 4 (11:30):
She mentioned crypto as well, you know, because it took
us a long time. There was the most requested feature
on the platform for probably the most of the eight
years actually, and we finally got there to make it available.
I think us, Meanth and us might have been reading
some similar books. Definitely shared person to look to with
(11:52):
Warren Buffett, particularly playing The Long Game. But we've got
some others where we go yep, good another one.
Speaker 8 (11:58):
I'm so like, Yeah, I obsessively check in on my
investments and I used that a lot just to do that.
My name's Robbie. I've been using Chearsy's about just about
ten years.
Speaker 6 (12:14):
I think the.
Speaker 8 (12:15):
Motivation initially to get into it was from coming into
a bit of disposable income and knowing that I just
needed to do something with the money I had coming in.
That was the start of the long and continued journey.
Seeing some positive returns early definitely helped. It all looks
nice obviously, and the green outbarrows and things. It's all
(12:40):
very reassuring and confirming. I suppose it that you're sort
of going in the right direction. I would use Chasy's
for a mixture of buying index funds and also sort
of experimenting or dipping my toes into buying stocks and
individual companies that made it easy to experiment with them
(13:00):
that I felt comfortable with. One of the advantages of
Cheersys is the access to overseas markets, particularly Australia. Obviously
Australia and the US, and I do look there just
because those markets are so much bigger. I bought a
time a little bit of crypto this year. Actually, I
thought that was cooled. The ease of access to that
through Cheesey's is unlike anything else I've seen. So I
(13:22):
was using cod for car insurance and then I saw
the sort of ad for the integration I suppose, and
Cheerze's come through, and I hooked that up and now
it's all managed through Cheersy's. I suppose I could say
this year reaffirm some of the lessons that I like
(13:43):
to think that I have learned over that time. Ultimately,
my main goal is to just to have a nice
little nestic that I can one day draw upon to
buy a house when I want to, or ultimately save
it for retirement. Just to have essentially accessible funds on
the side that are invested somewhere where they're going to,
(14:04):
you know, with a long term vision, ultimately somewhere that
I'll be able to draw from when I need the
cash basically big for other investments or just retirement. I think, yeah,
it's definitely sort of that long term savings kind of mindset.
Speaker 3 (14:21):
I think, how cool well he is, you know again,
lots of beautiful messages right like investing for the long term.
He's learning as he's got as he goes, and is
using more and more of what we're putting out there
to help him kind of shape it all together. Like
he's saying that he's using the insurance crypto. He's well
(14:43):
diversified by the sounds of it. So it's so cool
to see those stories.
Speaker 4 (14:48):
I feel like no one can say this generation now
hasn't had a good shake up. But the combinations of
sort of that market reaction from COVID which was so
blunt and brutal, and then a very quick recovery, but
then now into like quite a sustained recession actually, and
like quite a hard environment. So I think people have
(15:08):
really learned some lessons in there, and you can hear
it coming out like just how educated. Like it doesn't
feel that long ago.
Speaker 3 (15:14):
We wrote a blog.
Speaker 4 (15:15):
Called wtf is an ETF And now you've got people saying, look,
they have a bit of my money and indexes and
I do a bit and stops over here. But like
how that language change. I always think that's a really
cool thing to reflect on. Animal serve us super well.
Speaker 2 (15:26):
I really enjoyed hearing how Robbie you know, was obviously
with us really early on, and how he has seen
Cheersy's evolved for him, you know, and Tim more recently,
you know, obviously crypto, but he talked about insurance and
getting his car insurance on Cheerzy's too, So really excited
to see the future with him too, and what, you know,
what we continue to evolve, and how he keeps like
(15:47):
developing and growing wealth in the long term up to that,
you know, buying the house of retirement. As he talked
about the other little part of me I was thinking about,
you know, talked about the integration with COVID, and I
was like, this guy could be an engineer. And it
got me thinking about how early next year we want
to hire a bunch of engineers and actually the best,
you know, be fantastic if those engineers were customers already.
(16:08):
So how can we you know, if anyone I'm listening
who's an engineer and love Cheersa's, we would love you
to come and join us next year.
Speaker 3 (16:16):
So keep an eye up for that classic a can
I've met Robbie before, might have she had a plane
rish June here in Sydney.
Speaker 1 (16:27):
To know he's still a fan. I think we got
another one.
Speaker 5 (16:33):
I don't have any interest in building up wealth just
for the sake of wealth. I want to build up
wealth so that I can live the life that I
want and support my family and to give back.
Speaker 7 (16:44):
Hi.
Speaker 5 (16:45):
I'm Verysie and I joined Cheersa's way back in twenty seventeen.
You know, it was running around business and was starting
to think about kind of the future and what I
wanted to do to start with, I just dove and
wanting to try it out and test it out, and
that was then kind of what started the journey towards
really learning about, Okay, well, what do I actually want
(17:05):
out of life. So from the start it's always been
investing mostly in index funds and ETFs. So set out
the auto invest really really early on. Because they have
a business. We take out profit quarterly and so I
will usually when that comes in, that's when I'll make
some other decisions about what else might I invest in,
and like is there something cool that I'm interested in,
(17:26):
or like, let's put a little bit now towards crypto
and things like that. But I also I've set up
kids accounts for both of my daughters. My dream for
my kids when it comes to investing is not to
build up some big nest egg that they get to
tap into and spend. It's actually to really engage them
with the investing process and help them understand how it
(17:48):
can help them build a better future and really just
educate them. And so I love the idea of building
something up that they can then start to get involved in.
I have also recently, we've set up a savings account,
the save account for our emergency fund that we've put
in there, and I'm really excited to be starting to
use the invest back spending because I love the idea
(18:13):
that instead of getting crappy rewards points, I'm actually building
for my future as well. So yeah, using lots of
the different pieces of it. At the moment, Yes, I
want to build wealth for myself and my family, but
I also want to be in a position where we
don't have to do things just to make money because
we've got this wealth coming in in other ways, Like,
I want to be in a position where I can
(18:34):
just go Actually, the project that I want to devote
my time and energy to is something that contributes positively
in whatever way that is.
Speaker 1 (18:41):
A world without share is ease.
Speaker 5 (18:44):
I suppose would just require a bit more work to
really get to the goals that I'm after, because it
wouldn't be this just easy, automated part of my life.
I'm a mum and business owner who does not have
that much brain space free, so appreciate it being easy.
Just like thanks for creating an awesome platform.
Speaker 1 (19:04):
I really love it.
Speaker 5 (19:05):
I've loved being part of it for a really long time. Sure,
these other platforms out there, but I haven't found another
one that is as pleasurable to use.
Speaker 4 (19:14):
That's a weird word, but.
Speaker 5 (19:18):
That is as nice to use. And that makes me
feel like, oh, I can I check my goals without
this being boring and hard and everything.
Speaker 1 (19:27):
So yeah, thank you.
Speaker 2 (19:30):
I mean, I so hear her on that, you know,
just automated and easy. You know, there are so many
things that come out over to us at life and
she's got young children and run her own business, and
that is something we really intentionally set out to do,
is like financial empowerment. It shouldn't be you having to
you know, do all the my heat to pull all
(19:51):
your money together. Like that's something that we really want
to support with and just make developing wealth and access
to wealth and protecting just as easy as you know,
online shopping whatever it might be. But you know, like
I think it's really cool to see that she, you know,
has that automation set up.
Speaker 4 (20:09):
One of the sayings I love is like, you know,
you make you make your money with resku, and you
keep it with diversification, and I think like putting a
little bit away from from your risky as set for
and if you're a business owner, that tends to be
your risky thing, right, and diversifying that a way into
different things can be really important. And these people tend to,
by nature have been good at running businesses, also very
(20:31):
good at running an investment portfolios. You're just dealing with
businesses and stuff.
Speaker 3 (20:35):
So that was a that was super cool to hear
that lots resonated. But loved the you know, the view
of wealth just being about being able to live the
life she wants to live, and also just that thread
of wanting to what it meant for kids, and like
it not just being about the money, but also the
(20:55):
lessons And I think that's something I mean, I personally
do a lot of thinking how like I have a
three year old, and also like my mum taught me
so much about money and money lessons that have no
doubt shaped how I've seen money, and you know that
has been much more powerful than just getting given money.
(21:16):
But like I love that, and you know, Brooke, you've
already touched on it about how much you know we're
really keen to grow into this kids and like helping
people really feel confident that they are empowering their kids
because we know, it's top of mind for people.
Speaker 2 (21:31):
I'm excited for the next evolution for her too already
because we're you know, we're just wrapping up really enhancing
and enabling businesses and trust her on board them. Cheesys
is you can just imagine like what we could be
able to do for the business side of you know,
she said she's a small business own right, how can
we support her seeing you know, her shares and the
value of those and her company to being able to
(21:52):
manage her business money on Cheesys alongside you know, her
family and her family with her. It's going to be
really cool to see how all of those relationships and
that money comes together. And the words of the year,
you know was with that which momentum before, but the
word for next year is all about relational and shared money,
the ways that we want to enable people to see
how their.
Speaker 1 (22:11):
Money comes together and have the power of it coming
together too.
Speaker 2 (22:15):
So whether that be for businesses and all their shareholders
and directors being able to see where money is flowing,
and that transparency to trusts and the trustees, to investment
clubs and fundraising communities and far now accounts and joints.
Even I know that's a real big request we have.
People want to be able to see their assets together,
to kids having better view access to So there's so
(22:37):
much to come around how people manage their money together,
how they share the permissions around that, and that is
going to be massive, I think in terms of people
really seeing their wealth in one place.
Speaker 5 (22:50):
Cool.
Speaker 4 (22:51):
Thanks so much, Samantha, Verity and Robbie. We love hearing
different customers at Shareses and Ultimate. We're building this platform together,
so that was really really cool. We've got another massive
year ahead next year we've touched on. We're really excited
about it. We'll enjoy a bit of a summer break,
(23:12):
we hope you do too, and then we'll all get
back to it next year and at the ground running now.
Speaker 3 (23:17):
Yeah, thanks for all the support and for supporting us
with your money, with your time, because it really does
help us build something so special. And you'll see shares
Is out and about a lot more in the summer
months as we've got some new exciting advertising coming.
Speaker 1 (23:37):
Yeah, we've you know, you see three of us here.
Speaker 2 (23:40):
There's six of us that founded Cheersys, but there's two
hundred and twenty of us and the team, so I
just want to say a massive thank you teacher them
who have pulled this Wilthap together this year along with
really building out the business side of our business.
Speaker 1 (23:54):
Too really excited for twenty twenty six. Cannot wait.
Speaker 2 (23:58):
I do hope each of you have a one to
fall summer and if you have any requests for us,
like feature requests or ideas, we love hearing them, so
please do share them. Make sure that we're fulfilling your
hopes and aspirations as you develop your worth over your lifetime.
Curta.
Speaker 2 (00:04):
Welcome to the last episode of Shared Lunch for twenty
twenty five. We'll be sharing some personal highlights.
Speaker 3 (00:11):
Loved really sing that evolution of us from kind of
investing and keep you saving into like bringing it all
together and really being able to solve more people as well.
Speaker 1 (00:21):
What's coming next?
Speaker 4 (00:22):
We'll invest back like you're getting platinum card returns. Basically
we're still still breaking these things down. You know next
you'll be even more then.
Speaker 1 (00:32):
Also here from a few of our customers.
Speaker 5 (00:34):
But I also want to be in a position where
we don't have to do things just to make money
because we've got this wealth coming in.
Speaker 6 (00:42):
In other ways, investing involves the 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 of recording.
Speaker 1 (00:57):
So who as the we in the room?
Speaker 2 (01:00):
Well, it is myself, Leyton, and Sonya, the three eos
and three of the co founders the Chasis.
Speaker 4 (01:07):
My personal highlight this year was having us self select
into key receiver. I think there's actually lots of highlights,
but that's been one that I've been waiting for for
a long time. I felt like we started thinking about
that a very long time ago, and now it is there.
Speaker 2 (01:23):
I think my personal highlight is that invest back. Really,
it's so good to have that spend card out there
a second. You know, it takes time to innovate in
that space, but I love that, you know, everyone has
to spend money, and it's so cool that they can
be investing at the same time as you know, living
their lives.
Speaker 3 (01:43):
It's like this year, I've just loved seeing you know,
we've launched a lot of new products, but also so
much has gone in between, like how these products come together.
And I think there's so much more even coming out
next year that I'm like really looking forward to. But
I've loved really seeing that evolution of us from kind
of investing in keep you saving, into like bringing it
all together and really being able to solve more people's wealth.
(02:07):
You know, my Nana always had lots of quotes, but
one of them was like knowledge is no load to carry,
and all these things around, like what actually wealth means
can be about freedom of time, how you spend it,
what you choose to invest in and So I think
that actually helping people become wealthy is so joyful because
it is about feeling like you've got some real say
(02:28):
in your life.
Speaker 1 (02:28):
Yeah.
Speaker 2 (02:29):
I think, you know, health is our ultimate wealth. Our
relationships with people is a really important part of wealth.
And then you know, money enables a lot of opportunities,
and so that's why we want to really help more
people get access to developing wealth, and those that have
wealth being able to help them grow and flourish that
and share it within the wider community too, because as
(02:50):
you knows, as a rising tide floats or boats, as
we become more wealthy, as you know, nations and as
people will have more opportunities and be able to share
those down for generations to come. So yeah, I think
wealth needs a reframe, and we're doing it.
Speaker 4 (03:08):
I think there are people who have ambition to have wealth,
like financial wealth, for the sake of financial wealth, and
that makes them feel good, and that's an ambition, but
I actually think that's probably quite a small group of people,
and like most people want wealth for flexibility and freedom,
and ultimately part of it was feeling comfortable about spinning
(03:30):
some of that wealth too, right, so and protecting that
wealth and just it's quite a full picture. So I
like the word. I like the word.
Speaker 2 (03:39):
Now, we've been running this business for you around nine
years to see the compounding nature of our experiences and
our app that we've built and the company that we've
built behind that, and how it's really starting to grow
beyond the if it put in. It just starts to
get growing and growing as more people kind of become
aware of isis and starting to use the Wealth Act
(04:01):
more and our team to get more and more experience
about how to deliver innovation in this space.
Speaker 4 (04:05):
People don't know about the business to business part of Chess,
which is where we have delivered a product and services
for businesses to help empower their stakeholders, whether that's the
people that work for them to get shares and the
companies they work for. If you haven't heard of this
and you work for a big company, you should ask
them to come and speak to Chairsy's and also making
(04:28):
sure that companies are getting their message out to everyone,
like in a way that people want to hear that.
And you know, we've worked with a huge number of partners.
You know, at least an episode a week this week
speaking with different CEO CFOs directors, business leaders, thought leaders
to get more education about both specific companies and what
they're up to, but also the financial sector more broadly.
(04:52):
So we've had a big year. We've got some really
large partners now. We've done a massive amount of work
with Fonterra, We've recently onboarded LAC, We've done a huge
number of employee shares schemes again and we've got a
really strong pipeline for the next year, so we'll be
announcing a few more partnerships there as well. So thank
you also to all the businesses that are choosing us
(05:12):
as a partner for those services.
Speaker 3 (05:15):
When I look at how the business has evolved, how
She has evolved, you know, heading over one hundred thousand
customers in Australia this year, you know like it just
feels like there's a lot everything's kind of hitting it
stride a bit. And as well like just having a
team that has been along on this journey for quite
a lot of it now and really feeling that as
(05:36):
a real woman builder as well.
Speaker 4 (05:38):
Yeah, I think that those two the two things this year.
I think that we've gone like materially towards that vision.
We had a few years ago. So one is that
businesses are a large part of it now, and we
always knew that would be true in some respect, but
that's really starting to happen, so they are really important
partners to that as opposed to just sort of like
(05:59):
an entity on this, I suppose. And then the other
one is like the idea was that the original vision
was the same money opportunities for someone with five dollars
and someone with five hundred thousand dollars, and we've done
that with investing, but it does feel like as we
do that with well what we've done with Q we
see and now with some of the self select options,
but also with invest back, like you're getting platinum card
(06:21):
returns basically with doesn't really matter how much without necessarily
that sort of ten thousand dollar credit limit and stuff
that you need previously on the credit cards. So we're
still still breaking these things down. You know, next year'll
be even more.
Speaker 7 (06:36):
I know.
Speaker 2 (06:36):
What matters most to us is the impact that this
has on you know, the people the you know, over
nine hundred thousand customers that use shares Ease, and I
understand the flip the laptop around because it seems like
they've gone and interviewed some of our customers.
Speaker 1 (06:50):
We get to hear how they viewed years ees and
and kind of react to that. So let's crack into it.
Speaker 7 (06:57):
I realized I wanted my money to work for me
and not in the account my bank account losing money
to inflation. My name is Samantha and I have been
a member of Chas's since I was nineteen years old,
So the money moment was specific goal that prompted me
to start investing and boarding long term wealth. My dad
was a big part of that. From a young age.
(07:18):
He forced me to read money books and he really
wanted me to understand the value of money. So I'm
very lucky you know that I had the financial literacy
early on in my life. But the real turning point
came for me at university and my lecturers started talking
about Laurren Buffett and his story, and then he taught
us about compound interest, and that was the hook for me.
(07:39):
That was where I wanted to get started. So from
that day on, I jumped into investing and I have
ever since. The way I use Chases is I'm on
one of the auto invest plans and contribute every single week.
I've been doing that for many many years. I also
keep a separate pot of money for when starts I'm
watching take a dip or Each is a type that
(08:00):
I've set for myself. So it's a mix of long
term investing and staying prepared for opportunities that come. Cheesy's
has taught me that investing doesn't actually need to be complicated,
gave me the confidence, the freedom and accessible platform to
start investing when I otherwise wouldn't have, and it's helped
me grow a considerable portfolio and six years and at
(08:21):
twenty five years old, I'm very lucky to have what
I have and.
Speaker 8 (08:24):
I have Charsias to thank for that.
Speaker 7 (08:26):
Even being able to invest in crypto now, like, that's crazy.
It used to I invested in crypto like five years
ago and I had to, you know, do all these
separate wallets and go through three different websites to even
be able to invest. So again, like, being able to
invest in crypto so easily on cheers E's is actually crazy.
Speaker 8 (08:44):
If I had to.
Speaker 7 (08:45):
Imagine a world without cheers Ease, I don't actually know
if I ever would have started investing. It's been very
easy to use and evolved over the years and so
have ias. So yeah, I don't know, you know, And
as I've become knowledgeable and I've grown, so hishy is
ease and it's evolved and it's super exciting everything that's
coming out. And I think it's so important to be
(09:08):
knowledgeable and not just invest You need to know why
you're investing instead of just doing it, because you know,
at one point I was down so much on this
one stop. But because I had the knowledge to just
hold in the potentially what the future would hold for it,
you know, I've come away with the reward now. So yeah,
I think that's very important. It's something I've learned this
(09:28):
year because it's definitely an up and down road investing
in stocks. But I think, you know, as Warren Buffett says,
big greedy when others are fearful, and.
Speaker 8 (09:36):
I've definitely learned that this year.
Speaker 7 (09:38):
You know, if I could give any advice to anyone,
is just you know, start today, because you want to
start yesterday once you start, you know.
Speaker 1 (09:43):
So yeah, oh thanks Smitha. They were so cool to hear.
Speaker 2 (09:51):
I loved how you know, she really integrated a lot
of the key things we care about, you know, Like
I remember when I was in finance. Learning about compounding
returns is how do we not learn this at school?
Speaker 7 (10:02):
You know?
Speaker 1 (10:02):
And it's so good that she took that knowledge.
Speaker 4 (10:05):
I still still think some of the story out there
is like it's a bit more complicated than it is
to invest, but it doesn't need to be and actually
just putting money in. And I loved the approach that
she took there. And I was also thinking about how
valuable it can be because starting at nineteen so young,
but that shows like the part of the parent there
(10:27):
as well, how much you can do if you can,
because sometimes you hear from people that's a bit too
late for them, which I don't think is true at all,
and it's certainly not too late for people young people
around that you can impact and try make help along
that road.
Speaker 3 (10:43):
I loved that line around knowing why you're investing in stuff,
because I think that's what trips people are. But it's
going like have I got the right investments in my
book folio? It's like you've got to know what you're
trying to do and drive that. And I thought, just
some really nice stories which is obvious that you know
the behaviors we've been trying to put into the platform
(11:05):
really are kind of becoming behaviors that people are following
and using.
Speaker 1 (11:09):
Yeah, and you're so right about the impact of the dad.
Speaker 2 (11:13):
There are like the well meaning adult who we have
eighty thousand kids on. She is ease because some well
meaning adults set them up. So it's so exciting to
think about what their future is going to be like
and how they just have no one ever since you know,
they've not about money.
Speaker 1 (11:29):
That investing is the thing that's interesting.
Speaker 4 (11:30):
She mentioned crypto as well, you know, because it took
us a long time. There was the most requested feature
on the platform for probably the most of the eight
years actually, and we finally got there to make it available.
I think us, Meanth and us might have been reading
some similar books. Definitely shared person to look to with
(11:52):
Warren Buffett, particularly playing The Long Game. But we've got
some others where we go yep, good another one.
Speaker 8 (11:58):
I'm so like, Yeah, I obsessively check in on my
investments and I used that a lot just to do that.
My name's Robbie. I've been using Chearsy's about just about
ten years.
Speaker 6 (12:14):
I think the.
Speaker 8 (12:15):
Motivation initially to get into it was from coming into
a bit of disposable income and knowing that I just
needed to do something with the money I had coming in.
That was the start of the long and continued journey.
Seeing some positive returns early definitely helped. It all looks
nice obviously, and the green outbarrows and things. It's all
(12:40):
very reassuring and confirming. I suppose it that you're sort
of going in the right direction. I would use Chasy's
for a mixture of buying index funds and also sort
of experimenting or dipping my toes into buying stocks and
individual companies that made it easy to experiment with them
(13:00):
that I felt comfortable with. One of the advantages of
Cheersys is the access to overseas markets, particularly Australia. Obviously
Australia and the US, and I do look there just
because those markets are so much bigger. I bought a
time a little bit of crypto this year. Actually, I
thought that was cooled. The ease of access to that
through Cheesey's is unlike anything else I've seen. So I
(13:22):
was using cod for car insurance and then I saw
the sort of ad for the integration I suppose, and
Cheerze's come through, and I hooked that up and now
it's all managed through Cheersy's. I suppose I could say
this year reaffirm some of the lessons that I like
(13:43):
to think that I have learned over that time. Ultimately,
my main goal is to just to have a nice
little nestic that I can one day draw upon to
buy a house when I want to, or ultimately save
it for retirement. Just to have essentially accessible funds on
the side that are invested somewhere where they're going to,
(14:04):
you know, with a long term vision, ultimately somewhere that
I'll be able to draw from when I need the
cash basically big for other investments or just retirement. I think, yeah,
it's definitely sort of that long term savings kind of mindset.
Speaker 3 (14:21):
I think, how cool well he is, you know again,
lots of beautiful messages right like investing for the long term.
He's learning as he's got as he goes, and is
using more and more of what we're putting out there
to help him kind of shape it all together. Like
he's saying that he's using the insurance crypto. He's well
(14:43):
diversified by the sounds of it. So it's so cool
to see those stories.
Speaker 4 (14:48):
I feel like no one can say this generation now
hasn't had a good shake up. But the combinations of
sort of that market reaction from COVID which was so
blunt and brutal, and then a very quick recovery, but
then now into like quite a sustained recession actually, and
like quite a hard environment. So I think people have
(15:08):
really learned some lessons in there, and you can hear
it coming out like just how educated. Like it doesn't
feel that long ago.
Speaker 3 (15:14):
We wrote a blog.
Speaker 4 (15:15):
Called wtf is an ETF And now you've got people saying, look,
they have a bit of my money and indexes and
I do a bit and stops over here. But like
how that language change. I always think that's a really
cool thing to reflect on. Animal serve us super well.
Speaker 2 (15:26):
I really enjoyed hearing how Robbie you know, was obviously
with us really early on, and how he has seen
Cheersy's evolved for him, you know, and Tim more recently,
you know, obviously crypto, but he talked about insurance and
getting his car insurance on Cheerzy's too, So really excited
to see the future with him too, and what, you know,
what we continue to evolve, and how he keeps like
(15:47):
developing and growing wealth in the long term up to that,
you know, buying the house of retirement. As he talked
about the other little part of me I was thinking about,
you know, talked about the integration with COVID, and I
was like, this guy could be an engineer. And it
got me thinking about how early next year we want
to hire a bunch of engineers and actually the best,
you know, be fantastic if those engineers were customers already.
(16:08):
So how can we you know, if anyone I'm listening
who's an engineer and love Cheersa's, we would love you
to come and join us next year.
Speaker 3 (16:16):
So keep an eye up for that classic a can
I've met Robbie before, might have she had a plane
rish June here in Sydney.
Speaker 1 (16:27):
To know he's still a fan. I think we got
another one.
Speaker 5 (16:33):
I don't have any interest in building up wealth just
for the sake of wealth. I want to build up
wealth so that I can live the life that I
want and support my family and to give back.
Speaker 7 (16:44):
Hi.
Speaker 5 (16:45):
I'm Verysie and I joined Cheersa's way back in twenty seventeen.
You know, it was running around business and was starting
to think about kind of the future and what I
wanted to do to start with, I just dove and
wanting to try it out and test it out, and
that was then kind of what started the journey towards
really learning about, Okay, well, what do I actually want
(17:05):
out of life. So from the start it's always been
investing mostly in index funds and ETFs. So set out
the auto invest really really early on. Because they have
a business. We take out profit quarterly and so I
will usually when that comes in, that's when I'll make
some other decisions about what else might I invest in,
and like is there something cool that I'm interested in,
(17:26):
or like, let's put a little bit now towards crypto
and things like that. But I also I've set up
kids accounts for both of my daughters. My dream for
my kids when it comes to investing is not to
build up some big nest egg that they get to
tap into and spend. It's actually to really engage them
with the investing process and help them understand how it
(17:48):
can help them build a better future and really just
educate them. And so I love the idea of building
something up that they can then start to get involved in.
I have also recently, we've set up a savings account,
the save account for our emergency fund that we've put
in there, and I'm really excited to be starting to
use the invest back spending because I love the idea
(18:13):
that instead of getting crappy rewards points, I'm actually building
for my future as well. So yeah, using lots of
the different pieces of it. At the moment, Yes, I
want to build wealth for myself and my family, but
I also want to be in a position where we
don't have to do things just to make money because
we've got this wealth coming in in other ways, Like,
I want to be in a position where I can
(18:34):
just go Actually, the project that I want to devote
my time and energy to is something that contributes positively
in whatever way that is.
Speaker 1 (18:41):
A world without share is ease.
Speaker 5 (18:44):
I suppose would just require a bit more work to
really get to the goals that I'm after, because it
wouldn't be this just easy, automated part of my life.
I'm a mum and business owner who does not have
that much brain space free, so appreciate it being easy.
Just like thanks for creating an awesome platform.
Speaker 1 (19:04):
I really love it.
Speaker 5 (19:05):
I've loved being part of it for a really long time. Sure,
these other platforms out there, but I haven't found another
one that is as pleasurable to use.
Speaker 4 (19:14):
That's a weird word, but.
Speaker 5 (19:18):
That is as nice to use. And that makes me
feel like, oh, I can I check my goals without
this being boring and hard and everything.
Speaker 1 (19:27):
So yeah, thank you.
Speaker 2 (19:30):
I mean, I so hear her on that, you know,
just automated and easy. You know, there are so many
things that come out over to us at life and
she's got young children and run her own business, and
that is something we really intentionally set out to do,
is like financial empowerment. It shouldn't be you having to
you know, do all the my heat to pull all
(19:51):
your money together. Like that's something that we really want
to support with and just make developing wealth and access
to wealth and protecting just as easy as you know,
online shopping whatever it might be. But you know, like
I think it's really cool to see that she, you know,
has that automation set up.
Speaker 4 (20:09):
One of the sayings I love is like, you know,
you make you make your money with resku, and you
keep it with diversification, and I think like putting a
little bit away from from your risky as set for
and if you're a business owner, that tends to be
your risky thing, right, and diversifying that a way into
different things can be really important. And these people tend to,
by nature have been good at running businesses, also very
(20:31):
good at running an investment portfolios. You're just dealing with
businesses and stuff.
Speaker 3 (20:35):
So that was a that was super cool to hear
that lots resonated. But loved the you know, the view
of wealth just being about being able to live the
life she wants to live, and also just that thread
of wanting to what it meant for kids, and like
it not just being about the money, but also the
(20:55):
lessons And I think that's something I mean, I personally
do a lot of thinking how like I have a
three year old, and also like my mum taught me
so much about money and money lessons that have no
doubt shaped how I've seen money, and you know that
has been much more powerful than just getting given money.
(21:16):
But like I love that, and you know, Brooke, you've
already touched on it about how much you know we're
really keen to grow into this kids and like helping
people really feel confident that they are empowering their kids
because we know, it's top of mind for people.
Speaker 2 (21:31):
I'm excited for the next evolution for her too already
because we're you know, we're just wrapping up really enhancing
and enabling businesses and trust her on board them. Cheesys
is you can just imagine like what we could be
able to do for the business side of you know,
she said she's a small business own right, how can
we support her seeing you know, her shares and the
value of those and her company to being able to
(21:52):
manage her business money on Cheesys alongside you know, her
family and her family with her. It's going to be
really cool to see how all of those relationships and
that money comes together. And the words of the year,
you know was with that which momentum before, but the
word for next year is all about relational and shared money,
the ways that we want to enable people to see
how their.
Speaker 1 (22:11):
Money comes together and have the power of it coming
together too.
Speaker 2 (22:15):
So whether that be for businesses and all their shareholders
and directors being able to see where money is flowing,
and that transparency to trusts and the trustees, to investment
clubs and fundraising communities and far now accounts and joints.
Even I know that's a real big request we have.
People want to be able to see their assets together,
to kids having better view access to So there's so
(22:37):
much to come around how people manage their money together,
how they share the permissions around that, and that is
going to be massive, I think in terms of people
really seeing their wealth in one place.
Speaker 5 (22:50):
Cool.
Speaker 4 (22:51):
Thanks so much, Samantha, Verity and Robbie. We love hearing
different customers at Shareses and Ultimate. We're building this platform together,
so that was really really cool. We've got another massive
year ahead next year we've touched on. We're really excited
about it. We'll enjoy a bit of a summer break,
(23:12):
we hope you do too, and then we'll all get
back to it next year and at the ground running now.
Speaker 3 (23:17):
Yeah, thanks for all the support and for supporting us
with your money, with your time, because it really does
help us build something so special. And you'll see shares
Is out and about a lot more in the summer
months as we've got some new exciting advertising coming.
Speaker 1 (23:37):
Yeah, we've you know, you see three of us here.
Speaker 2 (23:40):
There's six of us that founded Cheersys, but there's two
hundred and twenty of us and the team, so I
just want to say a massive thank you teacher them
who have pulled this Wilthap together this year along with
really building out the business side of our business.
Speaker 1 (23:54):
Too really excited for twenty twenty six. Cannot wait.
Speaker 2 (23:58):
I do hope each of you have a one to
fall summer and if you have any requests for us,
like feature requests or ideas, we love hearing them, so
please do share them. Make sure that we're fulfilling your
hopes and aspirations as you develop your worth over your lifetime.
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