60 acast.com <![CDATA[What's the Risk?]]> https://shows.acast.com/why-advice en Mancell Financial Group financial advice,investing,retirement ,financial planning,australia Mancell Financial Group

What's the Risk? is a simple investment series we hope investors can use to better understand index and portfolio performance, along with addressing some investment questions and dilemmas.


Full videos can be found at https://www.youtube.com/@mancellfinancial


https://www.mfg.com.au/


This podcast is for informational purposes only and the information contained is of a general nature and may not be relevant to your particular circumstances. The circumstances of each investor are different, and you should seek advice from a professional financial adviser who can consider if particular strategies and products are right for you. In all instances where information is based on historical performance, it is important to understand this is not a reliable indicator of future performance. You should not rely on any material on this podcast to make investment decisions and should seek professional advice.


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]>

What's the Risk? is a simple investment series we hope investors can use to better understand index and portfolio performance, along with addressing some investment questions and dilemmas.


Full videos can be found at https://www.youtube.com/@mancellfinancial


https://www.mfg.com.au/


This podcast is for informational purposes only and the information contained is of a general nature and may not be relevant to your particular circumstances. The circumstances of each investor are different, and you should seek advice from a professional financial adviser who can consider if particular strategies and products are right for you. In all instances where information is based on historical performance, it is important to understand this is not a reliable indicator of future performance. You should not rely on any material on this podcast to make investment decisions and should seek professional advice.


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> false Daniel Crowe daniel.crowe@mfg.com.au 5fd2a90fb6157f0ede1e82b1 why-advice episodic https://assets.pippa.io/shows/5fd2a90fb6157f0ede1e82b1/1753139517405-b6554e93-b5e5-4a28-9b60-ec7cdda562b5.jpeg https://shows.acast.com/why-advice <![CDATA[What's the Risk?]]> MVIS Australia Equal Weight Index MVW? MVIS Australia Equal Weight Index MVW? Thu, 02 Apr 2026 05:08:53 GMT 10:18 69cdf9e43908885dc40dfa6e false https://www.mfg.com.au/blog/mvis-australia-equal-weight-index-mvw-whats-the-risk-57/ 69cdf9e43908885dc40dfa6e 5fd2a90fb6157f0ede1e82b1 mvis-australia-equal-weight-index-mvw full 1 57 In this episode of "What's the Risk?" we take a look at the historic performance of the MVIS Australia Equal Weight Index. Some people would know the ETF that seeks to track the performance of this index as Van Eck's MVW.


Equal weight indices have become more topical as market cap weighted indices have shown increased concentration in a smaller number of companies at the top of the index. For some investors their instinct tells them that this needs to be avoided and they'd be much better in an equal weighted index fund. This belief can be backed up by long term data showing that equal weight indices outperforming their cap weighted counterparts.


In regards to the MVIS Australia Equal Weight Index it's not quite what investors might expect, it's not 300 or even 200 of Australia's largest companies equally weighted, at the moment it's 75, so while investors may be avoiding concentration risk by using a product that tracks this index, they're not achieving broad diversification.


As this index has outperformed a broader ASX over the longer term we consider some reasons for that, but we're slightly dubious on its equal weight characteristics. Either way, it's an interesting concept and we'll be looking at further equal weight indices in coming episodes.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode of "What's the Risk?" we take a look at the historic performance of the MVIS Australia Equal Weight Index. Some people would know the ETF that seeks to track the performance of this index as Van Eck's MVW.


Equal weight indices have become more topical as market cap weighted indices have shown increased concentration in a smaller number of companies at the top of the index. For some investors their instinct tells them that this needs to be avoided and they'd be much better in an equal weighted index fund. This belief can be backed up by long term data showing that equal weight indices outperforming their cap weighted counterparts.


In regards to the MVIS Australia Equal Weight Index it's not quite what investors might expect, it's not 300 or even 200 of Australia's largest companies equally weighted, at the moment it's 75, so while investors may be avoiding concentration risk by using a product that tracks this index, they're not achieving broad diversification.


As this index has outperformed a broader ASX over the longer term we consider some reasons for that, but we're slightly dubious on its equal weight characteristics. Either way, it's an interesting concept and we'll be looking at further equal weight indices in coming episodes.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> <![CDATA[Stocks, Oil, Inflation & the 1970's]]> Tue, 24 Mar 2026 22:30:00 GMT 13:36 69c1cde362f6c66afed81742 false https://www.mfg.com.au/blog/stocks-oil-inflation-the-1970s-whats-the-risk-56/ 69c1cde362f6c66afed81742 5fd2a90fb6157f0ede1e82b1 stocks-oil-inflation-the-1970s full 1 56 In this episode of "What's the Risk", we take a look back at the 1970's. People may or may not know there was an oil embargo in the 1970's and a significant spike in the price of oil. There was also consistently high inflation, and a recession in the early to mid part of the decade.


What did that mean for investing? Very simply there was a significant market downturn in 1973 & 1974, and it was very hard to achieve a return that bested inflation?


What does that mean for today? Well we don't know, but we do look at the data available, considering size in the US along with value and profitability and find out could investors find an inflation beating return anywhere?


Want to learn more about investing? Search for "Your Investment Philosophy" on Amazon, Australian link: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode of "What's the Risk", we take a look back at the 1970's. People may or may not know there was an oil embargo in the 1970's and a significant spike in the price of oil. There was also consistently high inflation, and a recession in the early to mid part of the decade.


What did that mean for investing? Very simply there was a significant market downturn in 1973 & 1974, and it was very hard to achieve a return that bested inflation?


What does that mean for today? Well we don't know, but we do look at the data available, considering size in the US along with value and profitability and find out could investors find an inflation beating return anywhere?


Want to learn more about investing? Search for "Your Investment Philosophy" on Amazon, Australian link: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Fama French US High Profitability Index Fama French US High Profitability Index Mon, 23 Mar 2026 22:55:40 GMT 7:44 69c1c4ecfce4b829c5435b32 false https://www.mfg.com.au/blog/fama-french-us-high-profitability-index-whats-the-risk-55/ 69c1c4ecfce4b829c5435b32 5fd2a90fb6157f0ede1e82b1 fama-french-us-high-profitability-index full 1 55 In this episode of "What's the Risk," we take a look at the Fama French US High Profitability Research Index. While the original Fama-French model focused on three factors, this index emerged from their 2015 research update which expanded the framework to five factors. Fama and French identified that stocks with higher operating profitability have historically delivered higher expected returns that were not fully explained by market, size, or price-to-book metrics alone.


Fama and French define this profitability by looking at a firm's operating income. Specifically, they calculate it by taking total revenue and subtracting the cost of goods sold, selling, general and administrative expenses, and interest expense, then dividing that figure by book equity. This process allows the index to filter for firms with "robust" internal earnings power, distinguishing them from "weak" firms that struggle to generate the same level of efficiency. By focusing on these high-margin businesses, the index seeks to isolate a specific dimension of stock returns that has persisted across different eras and markets.


While the Fama French US High Profitability Research Index is not an investible index, the research by Fama and French continues to inform the methodology of Dimensional Fund Advisors, where Fama and French serve as board members.


Want to learn more about investing? Search for "Your Investment Philosophy" on Amazon, Australian link: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode of "What's the Risk," we take a look at the Fama French US High Profitability Research Index. While the original Fama-French model focused on three factors, this index emerged from their 2015 research update which expanded the framework to five factors. Fama and French identified that stocks with higher operating profitability have historically delivered higher expected returns that were not fully explained by market, size, or price-to-book metrics alone.


Fama and French define this profitability by looking at a firm's operating income. Specifically, they calculate it by taking total revenue and subtracting the cost of goods sold, selling, general and administrative expenses, and interest expense, then dividing that figure by book equity. This process allows the index to filter for firms with "robust" internal earnings power, distinguishing them from "weak" firms that struggle to generate the same level of efficiency. By focusing on these high-margin businesses, the index seeks to isolate a specific dimension of stock returns that has persisted across different eras and markets.


While the Fama French US High Profitability Research Index is not an investible index, the research by Fama and French continues to inform the methodology of Dimensional Fund Advisors, where Fama and French serve as board members.


Want to learn more about investing? Search for "Your Investment Philosophy" on Amazon, Australian link: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Fama French US Value Research Index Fama French US Value Research Index Thu, 05 Mar 2026 22:20:24 GMT 8:21 69aa01a87036d73902c80d37 false https://www.mfg.com.au/blog/fama-french-us-value-research-index-whats-the-risk-54/ 69aa01a87036d73902c80d37 5fd2a90fb6157f0ede1e82b1 fama-french-us-value-research-index full 1 54 In this episode of "What's the Risk" we take a look at the Fama French US Small Value Research Index. It is a research index from the Fama French model that tracks the performance of stocks with low price-to-book ratios.


While over the long term, the value factor has shown outstanding performance, in recent years it has underperformed generally against large cap growth, but was stronger at least globally in 2025. Critics of various factors will point to such periods of underperformance as evidence that they no longer work, but this is often done during those periods of underperformance, and factors, such as value, have had many periods of underperformance against the wider market, but over the longer term performance has emerged.


For investors who want to tilt their portfolio to target higher expected returns, this is a lesson in risk. Factors are not going to always perform as you wish,

and they have historically required patience and discipline to capture.

The index was created by academics Eugene Fama and Kenneth French, the Fama French US Value Research Index is not an investible index, but the research by Fama and French has, and continues to inform Dimensional

Fund Advisors, where Fama and French are board members.


Want to learn more about investing? Search for "Your Investment Philosophy" on Amazon, Australian link: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode of "What's the Risk" we take a look at the Fama French US Small Value Research Index. It is a research index from the Fama French model that tracks the performance of stocks with low price-to-book ratios.


While over the long term, the value factor has shown outstanding performance, in recent years it has underperformed generally against large cap growth, but was stronger at least globally in 2025. Critics of various factors will point to such periods of underperformance as evidence that they no longer work, but this is often done during those periods of underperformance, and factors, such as value, have had many periods of underperformance against the wider market, but over the longer term performance has emerged.


For investors who want to tilt their portfolio to target higher expected returns, this is a lesson in risk. Factors are not going to always perform as you wish,

and they have historically required patience and discipline to capture.

The index was created by academics Eugene Fama and Kenneth French, the Fama French US Value Research Index is not an investible index, but the research by Fama and French has, and continues to inform Dimensional

Fund Advisors, where Fama and French are board members.


Want to learn more about investing? Search for "Your Investment Philosophy" on Amazon, Australian link: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Diversified ALL Growth Geared Portfolio GHHF? Diversified ALL Growth Geared Portfolio GHHF? Thu, 26 Feb 2026 23:30:47 GMT 11:07 69a0d7a7e4e1627e8ccf5953 false https://www.mfg.com.au/blog/diversified-all-growth-geared-portfolio-ghhf-whats-the-risk-53/ 69a0d7a7e4e1627e8ccf5953 5fd2a90fb6157f0ede1e82b1 diversified-all-growth-geared-portfolio-ghhf full 1 53 In this episode of "What's the Risk?" we take a look at something we get many requests for: how a diversified geared portfolio performs, something akin to Betashares GHHF.


There are many limitations in trying to recreate something similar to GHHF over a long period of time with any accuracy, so we've tried to offer something that at least gives investors some history of how a similar asset allocation, consistently geared at 1.5x, would have performed since the mid 90's.


What we do find is something that doesn't show many surprises in how it performs. At various periods it will be better and worse, which is simply magnified by the gearing.


For comparison, we've used the indices VAS/VGS track on a 30/70 split and added in another portfolio construction with hedging to better compare to the diversified all growth geared portfolio construction.


We hope this sheds a little bit of light on the portfolio, but just remember there are many other things that will add and subtract to the performance of a similar ETF in real life.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode of "What's the Risk?" we take a look at something we get many requests for: how a diversified geared portfolio performs, something akin to Betashares GHHF.


There are many limitations in trying to recreate something similar to GHHF over a long period of time with any accuracy, so we've tried to offer something that at least gives investors some history of how a similar asset allocation, consistently geared at 1.5x, would have performed since the mid 90's.


What we do find is something that doesn't show many surprises in how it performs. At various periods it will be better and worse, which is simply magnified by the gearing.


For comparison, we've used the indices VAS/VGS track on a 30/70 split and added in another portfolio construction with hedging to better compare to the diversified all growth geared portfolio construction.


We hope this sheds a little bit of light on the portfolio, but just remember there are many other things that will add and subtract to the performance of a similar ETF in real life.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> ETF Returns End 2025 ETF Returns End 2025 Tue, 24 Feb 2026 22:13:03 GMT 13:56 699e226ee84fcb90f2eb50c1 false https://www.mfg.com.au/blog/etf-returns-end-2025-whats-the-risk-52/ 699e226ee84fcb90f2eb50c1 5fd2a90fb6157f0ede1e82b1 etf-returns-end-2025 In this episode of “What’s the Risk?” we take a look back on ETF returns for 2025. full 1 52 In this episode of “What’s the Risk?” we take a look back on ETF returns for 2025.


We’re a little bit late on this one, but it is worth having a look back on the prior year because it can help investors understand the variability of returns in the short run, and put some more context around slightly longer periods.


It’s not an exhaustive look given the number of ETFs on offer now, but we highlight what has happened across Australia, global, emerging markets, and some thematics with the most popular ETFs in Australia, along with some of the smaller and wilder thematics out there.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode of “What’s the Risk?” we take a look back on ETF returns for 2025.


We’re a little bit late on this one, but it is worth having a look back on the prior year because it can help investors understand the variability of returns in the short run, and put some more context around slightly longer periods.


It’s not an exhaustive look given the number of ETFs on offer now, but we highlight what has happened across Australia, global, emerging markets, and some thematics with the most popular ETFs in Australia, along with some of the smaller and wilder thematics out there.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Best VAS/VGS Split? End 2025 Best VAS/VGS Split? End 2025 Thu, 29 Jan 2026 04:07:03 GMT 6:29 697adce8d095fd135b7378eb false https://www.mfg.com.au/blog/best-vas-vgs-split-end-2025-whats-the-risk-51/ 697adce8d095fd135b7378eb 5fd2a90fb6157f0ede1e82b1 best-vasvgs-split-end-2025 full 1 51 In this episode of "What's the Risk?" we revisit the various constructions of MSCI World ex Australia Index and the S&P/ASX 300 Index (Total Return), 70/30, 60/40, 50/50, 40/60, 30/70, and look at their returns end 2025.


Our previous video on the same topic was getting a little bit dated, as the data was end 2023. So, as it was continuing to get views, we felt it was appropriate to provide an update with the last 2 years of data included and show how things may have changed with these constructions.


Some people would know the combination of the ETFs that seek to track the performance of these indices as the VAS/VGS split, so it gives a fuller picture of what those constructions would have done over the longer term. It's important to remember these are the underlying assets, do not factor taxes and trading costs, and they are rebalanced on an annual basis.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode of "What's the Risk?" we revisit the various constructions of MSCI World ex Australia Index and the S&P/ASX 300 Index (Total Return), 70/30, 60/40, 50/50, 40/60, 30/70, and look at their returns end 2025.


Our previous video on the same topic was getting a little bit dated, as the data was end 2023. So, as it was continuing to get views, we felt it was appropriate to provide an update with the last 2 years of data included and show how things may have changed with these constructions.


Some people would know the combination of the ETFs that seek to track the performance of these indices as the VAS/VGS split, so it gives a fuller picture of what those constructions would have done over the longer term. It's important to remember these are the underlying assets, do not factor taxes and trading costs, and they are rebalanced on an annual basis.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Diversified All Growth Index VDAL Target Allocation Diversified All Growth Index VDAL Target Allocation Thu, 08 Jan 2026 04:19:07 GMT 9:29 695f303b1c1db1c5bd249131 false https://www.mfg.com.au/blog/diversified-all-growth-index-vdal-target-whats-the-risk-50/ 695f303b1c1db1c5bd249131 5fd2a90fb6157f0ede1e82b1 diversified-all-growth-index-vdal-target-allocation full 1 50 Holdover from 2025 (so missing full year 25 data)


In this episode of "What's the Risk?" we take a look at the historic performance of a diversified all growth index. In this instance, it's the current target asset allocation of Vanguard's VDAL ETF, which is a newish "all in one" product.


As the most obvious competition is DHHF, we mention the differences in asset allocation and run a comparison on the performance of the historic returns of the asset allocation. We also throw in the VAS/VGS split indices to see how a simpler DIY decision may look.


As mentioned previously, all in one products can be great options for many investors who are getting started, or just want to autopilot their investment journey. They can have some drawbacks, but in this instance we're just looking at the asset allocation, historic asset allocation, and the historic performance.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Holdover from 2025 (so missing full year 25 data)


In this episode of "What's the Risk?" we take a look at the historic performance of a diversified all growth index. In this instance, it's the current target asset allocation of Vanguard's VDAL ETF, which is a newish "all in one" product.


As the most obvious competition is DHHF, we mention the differences in asset allocation and run a comparison on the performance of the historic returns of the asset allocation. We also throw in the VAS/VGS split indices to see how a simpler DIY decision may look.


As mentioned previously, all in one products can be great options for many investors who are getting started, or just want to autopilot their investment journey. They can have some drawbacks, but in this instance we're just looking at the asset allocation, historic asset allocation, and the historic performance.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Avoiding ETF Overlap Avoiding ETF Overlap Mon, 22 Dec 2025 23:03:30 GMT 11:32 6949ce42f756711739f38e07 false https://www.mfg.com.au/blog/avoiding-etf-overlap-whats-the-risk-49/ 6949ce42f756711739f38e07 5fd2a90fb6157f0ede1e82b1 avoiding-etf-overlap We revisit the topic of ETF overlap, the point of diversification and look at a few globally diversified portfolio options that an investor could use, with a small number of ETFs full 1 49 In this episode of "What's the Risk", we revisit the topic of ETF overlap. We've looked at it in the past highlighting a combination of several ETFs and how the portfolio construction had a small increase in holdings as we added ETFs, but a larger and larger concentration of its top 10 holdings.


Here we revisit the point of diversification and look at a few globally diversified portfolio options that an investor could use, with a small number of ETFs. We also highlight portfolio concentration isn't always a bad thing if there's a evidence backed purpose behind it, but if it's done unwittingly, an investor may end up with poor results they or portfolio volatility they didn't expect.


We also highlight a tool called ETF Comparer built by a viewer, which is simple and effective in identifying overlaps between two ETFs. https://etfcompare.com.au/


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode of "What's the Risk", we revisit the topic of ETF overlap. We've looked at it in the past highlighting a combination of several ETFs and how the portfolio construction had a small increase in holdings as we added ETFs, but a larger and larger concentration of its top 10 holdings.


Here we revisit the point of diversification and look at a few globally diversified portfolio options that an investor could use, with a small number of ETFs. We also highlight portfolio concentration isn't always a bad thing if there's a evidence backed purpose behind it, but if it's done unwittingly, an investor may end up with poor results they or portfolio volatility they didn't expect.


We also highlight a tool called ETF Comparer built by a viewer, which is simple and effective in identifying overlaps between two ETFs. https://etfcompare.com.au/


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> <![CDATA[Avantis & The New ETF Dilemma AVTG? AVTS? AVTE?]]> Fri, 12 Dec 2025 04:10:52 GMT 20:16 693b95cd9278bf5c1c0dae00 false https://www.mfg.com.au/blog/avantis-the-new-etf-dilemma-whats-the-risk-48/ 693b95cd9278bf5c1c0dae00 5fd2a90fb6157f0ede1e82b1 avantis-the-new-etf-dilemma-avtg-avts-avte full 1 48 In this episode of "What's the Risk?" we take a look at the dilemma the never ending stream of ETF launches poses for investors.


You might have an existing portfolio, but there's suddenly something new in the market that catches your eye. It might have lower fees, it might promise to target a particular theme you're interested in, it might focus on a region or country you don't have exposure to, what do you do?


It's a dilemma that all of us will face from time to time, and with the arrival of Avantis into Australia with AVTG, AVTS & AVTE it poses a question for our advice business because Avantis shares a similar investment philosophy to us and we know the people in that business are very good at what they do.


We go through some of the things that our investment committee looks at, before adding a product to our model portfolios, and maybe that will help you decide whether you need to add a new ETF to your portfolio, or happily continue as you are because it might be a case of "if it ain't broke, don't fix it."


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode of "What's the Risk?" we take a look at the dilemma the never ending stream of ETF launches poses for investors.


You might have an existing portfolio, but there's suddenly something new in the market that catches your eye. It might have lower fees, it might promise to target a particular theme you're interested in, it might focus on a region or country you don't have exposure to, what do you do?


It's a dilemma that all of us will face from time to time, and with the arrival of Avantis into Australia with AVTG, AVTS & AVTE it poses a question for our advice business because Avantis shares a similar investment philosophy to us and we know the people in that business are very good at what they do.


We go through some of the things that our investment committee looks at, before adding a product to our model portfolios, and maybe that will help you decide whether you need to add a new ETF to your portfolio, or happily continue as you are because it might be a case of "if it ain't broke, don't fix it."


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> GOLD Performance GLD? PMGOLD? GOLD Performance GLD? PMGOLD? Fri, 05 Dec 2025 00:38:11 GMT 14:18 69322974d1a581bfa86b2226 false https://www.mfg.com.au/blog/gold-performance-whats-the-risk-47/ 69322974d1a581bfa86b2226 5fd2a90fb6157f0ede1e82b1 gold-performance-gld-pmgold full 1 47 In this episode of "What's the Risk?" we take a look at the historic performance of Gold since 1970. There are many ways to invest in gold today, physically where you can own it, or have it stored somewhere, or maybe you could mine it in the Yukon, like Tony Beets and Parker Schnabel of Gold Rush fame.


Alternatively there are ETFs in Australia, PMGOLD from the Perth Mint, QAU from Betashares, GOLD from Global X, iShares GLDN, and VanEck's NUGG. All have differences in fees and how they're structured. In the US, the better known ETFs are SPDR's GLD and ishares IAU. We're not looking at products however, simply looking at the Gold price history in USD.


Gold has provided a decent long term return to investor, but it can be sporadic. Historically there have been periods of incredibly strong short term performance before almost going dormant for long periods. Such investments require extreme patience and discipline, however we do find that Gold may be a legitimate portfolio diversifier.


Should you hold Gold in your portfolio? Like anything it comes down to your investment philosophy and can you justify it based on your goals or needs. It's not something to add on a whim, and certainly not just because the media is talking about it when it's hot.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode of "What's the Risk?" we take a look at the historic performance of Gold since 1970. There are many ways to invest in gold today, physically where you can own it, or have it stored somewhere, or maybe you could mine it in the Yukon, like Tony Beets and Parker Schnabel of Gold Rush fame.


Alternatively there are ETFs in Australia, PMGOLD from the Perth Mint, QAU from Betashares, GOLD from Global X, iShares GLDN, and VanEck's NUGG. All have differences in fees and how they're structured. In the US, the better known ETFs are SPDR's GLD and ishares IAU. We're not looking at products however, simply looking at the Gold price history in USD.


Gold has provided a decent long term return to investor, but it can be sporadic. Historically there have been periods of incredibly strong short term performance before almost going dormant for long periods. Such investments require extreme patience and discipline, however we do find that Gold may be a legitimate portfolio diversifier.


Should you hold Gold in your portfolio? Like anything it comes down to your investment philosophy and can you justify it based on your goals or needs. It's not something to add on a whim, and certainly not just because the media is talking about it when it's hot.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> FTSE All-World Ex US Index VEU? FTSE All-World Ex US Index VEU? Thu, 20 Nov 2025 22:36:11 GMT 10:40 691f97dc4105c9a021473bbf false https://www.mfg.com.au/blog/ftse-all-world-ex-us-index-veu-whats-the-risk-46/ 691f97dc4105c9a021473bbf 5fd2a90fb6157f0ede1e82b1 ftse-all-world-ex-us-index-veu full 1 46 In this episode of "What's the Risk?" we take a look at the historic performance of the FTSE All-World Ex US Index. Some people would know the ETFs that seeks to track the performance of this index as Vanguard's VEU in both Australia and the US.


Since it's inception in 2000, this index has struggled over he long term. It almost began with the dotcom bubble bursting, then later in the 2000's saw the global financial crisis, which lingered for a long time in Europe. While its performance has improved, it was then shaded by the strong recovery in US stocks over the past 15 years which has left some investors questioning why invest outside of the US?


In more recent times people have started to question whether the US is the place to be due to several notable reasons, but as we point out, it's best not to over or under allocate based on what you think might happen because you could easily be wrong footed and miss out on returns when they arrive or see a period of underperformance in the areas you over allocate to.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode of "What's the Risk?" we take a look at the historic performance of the FTSE All-World Ex US Index. Some people would know the ETFs that seeks to track the performance of this index as Vanguard's VEU in both Australia and the US.


Since it's inception in 2000, this index has struggled over he long term. It almost began with the dotcom bubble bursting, then later in the 2000's saw the global financial crisis, which lingered for a long time in Europe. While its performance has improved, it was then shaded by the strong recovery in US stocks over the past 15 years which has left some investors questioning why invest outside of the US?


In more recent times people have started to question whether the US is the place to be due to several notable reasons, but as we point out, it's best not to over or under allocate based on what you think might happen because you could easily be wrong footed and miss out on returns when they arrive or see a period of underperformance in the areas you over allocate to.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Fama French US Small Value Research Index Fama French US Small Value Research Index Thu, 13 Nov 2025 05:30:00 GMT 11:55 69156325c1ed8717c5803e5a false https://www.mfg.com.au/blog/fama-french-us-small-value-whats-the-risk-45/ 69156325c1ed8717c5803e5a 5fd2a90fb6157f0ede1e82b1 fama-french-us-small-value-research-index We take a look at the Fama French US Small Value Research Index. It is a research index from the Fama/French model that tracks the performance of small-cap stocks with low price-to-book ratios. full 1 45 In this episode of "What's the Risk" we take a look at the Fama French US Small Value Research Index. It is a research index from the Fama/French model that tracks the performance of small-cap stocks with low price-to-book ratios.


While over the long term, the small/value factor has shown outstanding performance, in recent years it has underperformed. Many people have said these factors have had their day, but this isn't the first time small/value has underperformed against larger growth counterparts, and for investors who want to tilt their portfolio to target higher expected returns, this is a lesson in risk. Factors are not going to always perform as you wish, and they have historically required patience and discipline to capture.


The index was created by academics Eugene Fama and Kenneth French and is designed to isolate and measure the "value" and "size" factors in stock market returns.


The Fama French US Small Value Research Index investible index, but the research by Fama and French has, and continues to inform Dimensional Fund Advisors, where Fama and French are board members.


Want to learn more about investing? Search for "Your Investment Philosophy" on Amazon, Australian link: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode of "What's the Risk" we take a look at the Fama French US Small Value Research Index. It is a research index from the Fama/French model that tracks the performance of small-cap stocks with low price-to-book ratios.


While over the long term, the small/value factor has shown outstanding performance, in recent years it has underperformed. Many people have said these factors have had their day, but this isn't the first time small/value has underperformed against larger growth counterparts, and for investors who want to tilt their portfolio to target higher expected returns, this is a lesson in risk. Factors are not going to always perform as you wish, and they have historically required patience and discipline to capture.


The index was created by academics Eugene Fama and Kenneth French and is designed to isolate and measure the "value" and "size" factors in stock market returns.


The Fama French US Small Value Research Index investible index, but the research by Fama and French has, and continues to inform Dimensional Fund Advisors, where Fama and French are board members.


Want to learn more about investing? Search for "Your Investment Philosophy" on Amazon, Australian link: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> MSCI Emerging Markets Index BEMG? IEM? MSCI Emerging Markets Index BEMG? IEM? Thu, 06 Nov 2025 06:00:00 GMT 9:01 690bf8c468055f905c7a6acb false https://www.mfg.com.au/blog/msci-emerging-markets-index-bemg-whats-the-risk-44/ 690bf8c468055f905c7a6acb 5fd2a90fb6157f0ede1e82b1 msci-emerging-markets-index-bemg-iem full 1 44 In this episode of "What's the Risk?" we take a look at the historic performance of the MSCI Emerging Markets Index. Some people would know ETFs that seeks to track the performance of this index as Blackrock's IEM and Betashares BEMG ETF.


Emerging markets have been much better as of late, and that's attracted the attention of investors again. It wasn't that long ago that emerging markets were significantly punished after Russia invaded Ukraine, and they were in the doldrums for a time after. This highlights some of the risks associated with emerging markets, some countries have governments and leaders that can increase volatility if you overweight them. 


While we're looking at MSCI's index, we do a comparison to FTSE's index which is tracked by Vanguard's VGE in Australia, and look a some of the differences between the two because there are some differences on country inclusions and size inclusions.



Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  

Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode of "What's the Risk?" we take a look at the historic performance of the MSCI Emerging Markets Index. Some people would know ETFs that seeks to track the performance of this index as Blackrock's IEM and Betashares BEMG ETF.


Emerging markets have been much better as of late, and that's attracted the attention of investors again. It wasn't that long ago that emerging markets were significantly punished after Russia invaded Ukraine, and they were in the doldrums for a time after. This highlights some of the risks associated with emerging markets, some countries have governments and leaders that can increase volatility if you overweight them. 


While we're looking at MSCI's index, we do a comparison to FTSE's index which is tracked by Vanguard's VGE in Australia, and look a some of the differences between the two because there are some differences on country inclusions and size inclusions.



Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  

Hosted on Acast. See acast.com/privacy for more information.

]]> Why You Need Investment Beliefs Why You Need Investment Beliefs Mon, 27 Oct 2025 22:29:13 GMT 16:23 68fff239e0f934b5d15583e5 false https://www.mfg.com.au/blog/what-are-your-investment-beliefs-whats-the-risk-43/ 68fff239e0f934b5d15583e5 5fd2a90fb6157f0ede1e82b1 why-you-need-investment-beliefs The recent failures of investment schemes First Guardian, Shield Master Fund and Australian Fiduciaries poses some questions about how much investors need to know about investing. full 1 43 The recent failures of investment schemes First Guardian, Shield Master Fund and Australian Fiduciaries poses some questions about how much investors need to know about investing.


While a person might be educated and have an important career, if you asked them what their investment beliefs were, it might draw a blank. If you have no investment beliefs, how can you spot a fraud or filter the investment products that might be right for you?


With that in mind, we look at the importance of investment beliefs by highlighting the reality that most investment managers have no beliefs either, they are simply offering products for a fee. We also consider other things that people may use to guide their investment decisions, such as religion, if they don't have any investment beliefs.


If you'd like to learn more about investing, Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> The recent failures of investment schemes First Guardian, Shield Master Fund and Australian Fiduciaries poses some questions about how much investors need to know about investing.


While a person might be educated and have an important career, if you asked them what their investment beliefs were, it might draw a blank. If you have no investment beliefs, how can you spot a fraud or filter the investment products that might be right for you?


With that in mind, we look at the importance of investment beliefs by highlighting the reality that most investment managers have no beliefs either, they are simply offering products for a fee. We also consider other things that people may use to guide their investment decisions, such as religion, if they don't have any investment beliefs.


If you'd like to learn more about investing, Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Diversified All Growth DHHF? Diversified All Growth DHHF? Mon, 06 Oct 2025 22:26:58 GMT 8:32 68e442321601518de079798f false https://www.mfg.com.au/blog/diversified-all-growth-dhhf-whats-the-risk-42/ 68e442321601518de079798f 5fd2a90fb6157f0ede1e82b1 diversified-all-growth-dhhf full 1 42 In this episode of "What's the Risk?" we take a look at the historic performance of a diversified all growth portfolio. In this instance, it's the current target asset allocation of Betashares' DHHF ETF, we also look back some changes in the target asset allocation of Betashares' DHHF that was released in 2019.


All in one products can be great options for many investors who are getting started, or just want to autopilot their investment journey. They can have some drawbacks, but in this instance we're just looking at the asset allocation, historic asset allocation, and the historic performance.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode of "What's the Risk?" we take a look at the historic performance of a diversified all growth portfolio. In this instance, it's the current target asset allocation of Betashares' DHHF ETF, we also look back some changes in the target asset allocation of Betashares' DHHF that was released in 2019.


All in one products can be great options for many investors who are getting started, or just want to autopilot their investment journey. They can have some drawbacks, but in this instance we're just looking at the asset allocation, historic asset allocation, and the historic performance.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Bhanu Singh: Dimensional ETFs in Australia Bhanu Singh: Dimensional ETFs in Australia Mon, 22 Sep 2025 23:51:46 GMT 21:39 68d1e11140bbaff2b99454ca false https://www.mfg.com.au/blog/bhanu-singh-dimensional-etfs-whats-the-risk-41/ 68d1e11140bbaff2b99454ca 5fd2a90fb6157f0ede1e82b1 bhanu-singh-dimensional-etfs-in-australia full 1 41 In this episode of What's the Risk we're joined by the CEO of Dimensional Australia, Bhanu Singh. This is our forth episode with Bhanu as we learn more about the "the biggest fund manager you've never heard of".


In this episode we delve into Dimensional's funds and ETFs in Australia. Firstly, understanding the dual access structure since Dimensional introduced ETFs into Australia in 2023. We then look closer at what Dimensional's Core funds and ETFs are, in terms of weightings and how the portfolios are managed considering profitability, size and value. Bhanu also notes how having different factors within one portfolio such as core can be a good starting point for investors, instead of building a portfolio with separate ETFs and potentially incurring greater costs due to turnover.


The ETFs discussed are DACE, DAVA, DFGH, DGCE, DGSM and DGVA.


Dimensional have a deep research pedigree. Their founders and board members were part of some of the biggest developments in modern finance. David Booth and Rex Sinquefield were part of various groups who developed the first index funds at Wells Fargo and American National Bank, before leaving to start DFA where they then started Dimensional to build the first microcap fund for institutions.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode of What's the Risk we're joined by the CEO of Dimensional Australia, Bhanu Singh. This is our forth episode with Bhanu as we learn more about the "the biggest fund manager you've never heard of".


In this episode we delve into Dimensional's funds and ETFs in Australia. Firstly, understanding the dual access structure since Dimensional introduced ETFs into Australia in 2023. We then look closer at what Dimensional's Core funds and ETFs are, in terms of weightings and how the portfolios are managed considering profitability, size and value. Bhanu also notes how having different factors within one portfolio such as core can be a good starting point for investors, instead of building a portfolio with separate ETFs and potentially incurring greater costs due to turnover.


The ETFs discussed are DACE, DAVA, DFGH, DGCE, DGSM and DGVA.


Dimensional have a deep research pedigree. Their founders and board members were part of some of the biggest developments in modern finance. David Booth and Rex Sinquefield were part of various groups who developed the first index funds at Wells Fargo and American National Bank, before leaving to start DFA where they then started Dimensional to build the first microcap fund for institutions.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Dimensional Australia CEO Bhanu Singh: The Value of Financial Advice Dimensional Australia CEO Bhanu Singh: The Value of Financial Advice Thu, 18 Sep 2025 23:29:30 GMT 9:38 68cc95d99c7ab07d6261b9a7 false https://www.mfg.com.au/blog/bhanu-singh-the-value-of-financial-advice-whats-the-risk-40/ 68cc95d99c7ab07d6261b9a7 5fd2a90fb6157f0ede1e82b1 dimensional-australia-ceo-bhanu-singh-the-value-of-financial full 1 40 In this episode of What's the Risk we're joined by the CEO of Dimensional Australia, Bhanu Singh. This is our third episode with Bhanu as we learn more about the "the biggest fund manager you've never heard of".


In this episode we discuss the value of financial advice. Dimensional has long history of working with financial advisers, encouraging and supporting advisers to have a consistent set of investment beliefs, that advisers could then pass onto their clients. We've personally seen the importance of having a consistent investment process that clients can rely on. Not only that, financial advice is also about being able to focus on other things in life, without needing to worry about money.


Dimensional have a deep research pedigree. Their founders and board members were part of some of the biggest developments in modern finance. David Booth and Rex Sinquefield were part of various groups who developed the first index funds at Wells Fargo and American National Bank, before leaving to start DFA where they then started Dimensional to build the first microcap fund for institutions.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode of What's the Risk we're joined by the CEO of Dimensional Australia, Bhanu Singh. This is our third episode with Bhanu as we learn more about the "the biggest fund manager you've never heard of".


In this episode we discuss the value of financial advice. Dimensional has long history of working with financial advisers, encouraging and supporting advisers to have a consistent set of investment beliefs, that advisers could then pass onto their clients. We've personally seen the importance of having a consistent investment process that clients can rely on. Not only that, financial advice is also about being able to focus on other things in life, without needing to worry about money.


Dimensional have a deep research pedigree. Their founders and board members were part of some of the biggest developments in modern finance. David Booth and Rex Sinquefield were part of various groups who developed the first index funds at Wells Fargo and American National Bank, before leaving to start DFA where they then started Dimensional to build the first microcap fund for institutions.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> <![CDATA[Bhanu Singh: Passive vs Active Investing & Dimensional's Systematic Approach.]]> Wed, 10 Sep 2025 00:29:32 GMT 23:33 68c0c66dc09bac32730f7580 false https://www.mfg.com.au/blog/bhanu-singh-passive-vs-active-investing-a-systematic-approach-whats-the-risk-39/ 68c0c66dc09bac32730f7580 5fd2a90fb6157f0ede1e82b1 bhanu-singh-passive-vs-active-investing-dimensionals-systema full 1 39 In this episode of What's the Risk we're joined by the CEO of Dimensional Australia Bhanu Singh. This is our second episode with Bhanu as we learn more about the "the biggest fund manager you've never heard of".


In this episode we take a look at the intricacies of the active vs passive debate, and find out Bhanu's definition of passive. Bhanu also explains how the flexibility of Dimensional's approach allows them to trust the market, but also not be tied to the rigidity of index tracking rules which can lead to higher trading costs, overweighting some stocks, or having a long delay before a stock is included in an index, potentially costing investors returns.


Dimensional have a deep research pedigree. Their founders and board members were part of some of the biggest developments in modern finance. David Booth and Rex Sinquefield were part of various groups who developed the first index funds at Wells Fargo and American National Bank, before leaving to start DFA where they then started Dimensional to build the first microcap fund for institutions.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode of What's the Risk we're joined by the CEO of Dimensional Australia Bhanu Singh. This is our second episode with Bhanu as we learn more about the "the biggest fund manager you've never heard of".


In this episode we take a look at the intricacies of the active vs passive debate, and find out Bhanu's definition of passive. Bhanu also explains how the flexibility of Dimensional's approach allows them to trust the market, but also not be tied to the rigidity of index tracking rules which can lead to higher trading costs, overweighting some stocks, or having a long delay before a stock is included in an index, potentially costing investors returns.


Dimensional have a deep research pedigree. Their founders and board members were part of some of the biggest developments in modern finance. David Booth and Rex Sinquefield were part of various groups who developed the first index funds at Wells Fargo and American National Bank, before leaving to start DFA where they then started Dimensional to build the first microcap fund for institutions.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Bhanu Singh DFA Australia CEO: Implementation is in our DNA Bhanu Singh DFA Australia CEO: Implementation is in our DNA Fri, 05 Sep 2025 00:08:00 GMT 24:02 68ba29df45004e42c995bb0c false https://www.mfg.com.au/blog/bhanu-singh-implementation-is-in-our-dna-whats-the-risk-38/ 68ba29df45004e42c995bb0c 5fd2a90fb6157f0ede1e82b1 bhanu-singh-dfa-australia-ceo-implementation-is-in-our-dna full 1 38 In this episode of What's the Risk we're joined by the CEO of Dimensional Australia Bhanu Singh. Bhanu will be our guest over the next few episodes as we find out a little bit more about "the biggest fund manager you've never heard of".


Bhanu has an MBA in analytical finance from the University of Chicago, Booth School of Business. He was Head of Asia-Pacific Portfolio Management for Dimensional. Director of Dimensional Australia, as well as Senior Investment Director. With that in mind, he is probably the best person in Australia to talk to about systematic investing. In this episode we discuss Dimensional's history and in particular its ongoing commitment to implementing the best research when building and managing portfolios.


Dimensional have a deep research pedigree. Their founders and board members were part of some of the biggest developments in modern finance. David Booth and Rex Sinquefield were part of various groups who developed the first index funds at Wells Fargo and American National Bank, before leaving to start DFA where they then started Dimensional to build the first microcap fund for institutions.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode of What's the Risk we're joined by the CEO of Dimensional Australia Bhanu Singh. Bhanu will be our guest over the next few episodes as we find out a little bit more about "the biggest fund manager you've never heard of".


Bhanu has an MBA in analytical finance from the University of Chicago, Booth School of Business. He was Head of Asia-Pacific Portfolio Management for Dimensional. Director of Dimensional Australia, as well as Senior Investment Director. With that in mind, he is probably the best person in Australia to talk to about systematic investing. In this episode we discuss Dimensional's history and in particular its ongoing commitment to implementing the best research when building and managing portfolios.


Dimensional have a deep research pedigree. Their founders and board members were part of some of the biggest developments in modern finance. David Booth and Rex Sinquefield were part of various groups who developed the first index funds at Wells Fargo and American National Bank, before leaving to start DFA where they then started Dimensional to build the first microcap fund for institutions.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Rebalancing Your Portfolio: VAS VGS VBND Rebalancing Your Portfolio: VAS VGS VBND Wed, 27 Aug 2025 23:30:00 GMT 9:55 68ad4629ef1a5f8b368e7d1c false https://www.mfg.com.au/blog/rebalancing-your-portfolio-whats-the-risk-37/ 68ad4629ef1a5f8b368e7d1c 5fd2a90fb6157f0ede1e82b1 rebalancing-your-portfolio-vas-vgs-vbnd we take a look at rebalancing a portfolio. The various ways it can be done, how we do it at Mancell Financial Group, then we run a portfolio comparison of an annual rebalance vs never. full 1 37 In this episode of "What's the Risk?" we take a look at rebalancing a portfolio. The various ways it can be done, how we do it at Mancell Financial Group, then we run a portfolio comparison of an annually rebalanced portfolio against a portfolio with the same starting construction, but never rebalancing it.


This experiment is ran across a 30 year period, using 50% global stocks, 40% Australian stocks and 10% in global bonds. One of the benefits of doing this over a long time frame is we can see the drift in the assets in the never rebalanced portfolio due to the changing performance, and how it overall performs against one that essentially resets on a 12 month basis.


How do you rebalance your portfolio? Let us know in the comments. Do you have the discipline to rebalance according to your pre-determined rules, or do you go with the flow?


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> In this episode of "What's the Risk?" we take a look at rebalancing a portfolio. The various ways it can be done, how we do it at Mancell Financial Group, then we run a portfolio comparison of an annually rebalanced portfolio against a portfolio with the same starting construction, but never rebalancing it.


This experiment is ran across a 30 year period, using 50% global stocks, 40% Australian stocks and 10% in global bonds. One of the benefits of doing this over a long time frame is we can see the drift in the assets in the never rebalanced portfolio due to the changing performance, and how it overall performs against one that essentially resets on a 12 month basis.


How do you rebalance your portfolio? Let us know in the comments. Do you have the discipline to rebalance according to your pre-determined rules, or do you go with the flow?


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Diversified High Growth VDHG? Diversified High Growth VDHG? Tue, 26 Aug 2025 23:30:00 GMT 10:06 68ad3eb6982c36846eb0c812 false https://www.mfg.com.au/blog/diversified-high-growth-whats-the-risk-36/ 68ad3eb6982c36846eb0c812 5fd2a90fb6157f0ede1e82b1 diversified-high-growth-vdhg full 1 36 Watch this episode on youtube: https://youtu.be/zbuajnYk-bE


In this episode of "What's the Risk?" we take a look at the historic performance of a diversified high growth portfolio. In this instance, it's the current target asset allocation of Vanguard's VDHG ETF, we also look back at the various changes in the target asset allocation of Vanguard's diversified high growth managed fund that was released in 2002.


All in one products can be great options for many investors who are getting started, or just want to autopilot their investment journey. They can have some drawbacks, but in this instance we're just looking at the asset allocation, historic asset allocation, and the historic performance.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch this episode on youtube: https://youtu.be/zbuajnYk-bE


In this episode of "What's the Risk?" we take a look at the historic performance of a diversified high growth portfolio. In this instance, it's the current target asset allocation of Vanguard's VDHG ETF, we also look back at the various changes in the target asset allocation of Vanguard's diversified high growth managed fund that was released in 2002.


All in one products can be great options for many investors who are getting started, or just want to autopilot their investment journey. They can have some drawbacks, but in this instance we're just looking at the asset allocation, historic asset allocation, and the historic performance.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> <![CDATA[First Guardian, Shield Master Fund Collapse & Protecting Your Super]]> Tue, 26 Aug 2025 03:59:07 GMT 15:47 68ad310cef1a5f8b368a13d7 false https://www.mfg.com.au/blog/first-guardian-shield-master-fund-collapse-whats-the-risk-35/ 68ad310cef1a5f8b368a13d7 5fd2a90fb6157f0ede1e82b1 first-guardian-shield-master-fund-collapse-protecting-your-s The recent failures of investment schemes First Guardian, Shield Master Fund and Australian Fiduciaries has exposed thousands of investors around Australia to something they should never have to experience. full 1 35 Watch this episode on youtube: https://youtu.be/IqU3IVBMoGw


The recent failures of investment schemes First Guardian, Shield Master Fund and Australian Fiduciaries has exposed thousands of investors around Australia to something they should never have to experience in modern investing: a catastrophic and substantial investment loss of their retirement savings.


In our 45 years in business we've never had an investor exposed to an investment failure, and there have been plenty occur in Australia over that time frame. However, we have had many investors walk into our office over the years, seeking advice and guidance after they've been exposed to investment loss by someone they should have been able to trust, or just via their own hand. In that respect, we have an understanding of the turmoil investors are currently going through.


Unfortunately, while we're able to point people what direction to follow next, we're unable to turn back time, and it's prevention that stops these losses happening. Usually, it's by not exiting large and well known superannuation options, for untested, newer funds, that cannot guarantee what their spruikers promise.


When it comes to superannuation, we all need to remember these our retirement savings, and financial loss is something that is incredibly hard to recover from in mid and late life. While we want to make the most of them, and are regularly pushed to take action by the media, if we don't know anything, leaving them alone to grow at a market rate in a large, well known fund will inevitably be better than switching to an untested option that may expose us to catastrophic loss.


If you'd like to learn more about investing, Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch this episode on youtube: https://youtu.be/IqU3IVBMoGw


The recent failures of investment schemes First Guardian, Shield Master Fund and Australian Fiduciaries has exposed thousands of investors around Australia to something they should never have to experience in modern investing: a catastrophic and substantial investment loss of their retirement savings.


In our 45 years in business we've never had an investor exposed to an investment failure, and there have been plenty occur in Australia over that time frame. However, we have had many investors walk into our office over the years, seeking advice and guidance after they've been exposed to investment loss by someone they should have been able to trust, or just via their own hand. In that respect, we have an understanding of the turmoil investors are currently going through.


Unfortunately, while we're able to point people what direction to follow next, we're unable to turn back time, and it's prevention that stops these losses happening. Usually, it's by not exiting large and well known superannuation options, for untested, newer funds, that cannot guarantee what their spruikers promise.


When it comes to superannuation, we all need to remember these our retirement savings, and financial loss is something that is incredibly hard to recover from in mid and late life. While we want to make the most of them, and are regularly pushed to take action by the media, if we don't know anything, leaving them alone to grow at a market rate in a large, well known fund will inevitably be better than switching to an untested option that may expose us to catastrophic loss.


If you'd like to learn more about investing, Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Retirement Considerations For High Achievers Retirement Considerations For High Achievers Sat, 23 Aug 2025 23:30:00 GMT 7:58 6892fa4feef665d6299c669f false https://www.mfg.com.au/blog/retirement-considerations-for-high-achievers-whats-the-risk-34/ 6892fa4feef665d6299c669f 5fd2a90fb6157f0ede1e82b1 retirement-considerations-for-high-achievers full 1 34 Watch episode on youtube: https://youtu.be/lAyMIF-590M


Published July 2025. For the average person, retirement can take a lot of planning and in some cases time to adapt. For high achievers, those who've run successful businesses, or had incredibly demanding careers, the prospect of retirement may require even more planning and consideration. The level they operate at during work can be a big step down to a more subdued lifestyle where the phone doesn't ring as much and there aren't as many demands.


In this episode we discuss some of the considerations high achievers must sift through as they approach a transition out of work. Peter has been helping people retire for 45 years, including a number of high achievers in medicine and business, and he makes purpose a focus of retirement planning, to ensure clients do continue to thrive as they age.


Peter also relays his own experience of setting a goal to retire early, only to reach his intended retirement age and continue working.


If you'd like to learn more about investing, Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/lAyMIF-590M


Published July 2025. For the average person, retirement can take a lot of planning and in some cases time to adapt. For high achievers, those who've run successful businesses, or had incredibly demanding careers, the prospect of retirement may require even more planning and consideration. The level they operate at during work can be a big step down to a more subdued lifestyle where the phone doesn't ring as much and there aren't as many demands.


In this episode we discuss some of the considerations high achievers must sift through as they approach a transition out of work. Peter has been helping people retire for 45 years, including a number of high achievers in medicine and business, and he makes purpose a focus of retirement planning, to ensure clients do continue to thrive as they age.


Peter also relays his own experience of setting a goal to retire early, only to reach his intended retirement age and continue working.


If you'd like to learn more about investing, Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> <![CDATA[S&P/ASX Small Ordinaries Index ISO? SSO? ]]> Fri, 22 Aug 2025 23:30:00 GMT 9:45 68832a4ce0a86cc3abebc417 false https://www.mfg.com.au/blog/sp-asx-small-ordinaries-whats-the-risk-33/ 68832a4ce0a86cc3abebc417 5fd2a90fb6157f0ede1e82b1 spasx-small-ordinaries-index-iso-sso full 1 33 Watch episode on youtube: https://youtu.be/4pq9WMwZXTs


Published June 2025. In this episode of "What's the Risk?" we take a look at the historic performance of the S&P/ASX Small Ordinaries Index. Some people would know ETFs that seeks to track the performance of this index as Blackrock's ISO and State Street's SSO.


Small companies have long been understood to outperform larger companies, due to higher risk, but in Australia his index has shown a consistent track record of underperformance against larger counterparts. We discuss why that might be and Peter highlights a conversation he had with Ken French that adds some further understanding. 


This is history and doesn't automatically mean the future performance will be as poor, so will you write off Australian small caps? 


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  


S&P/ASX Small Ordinaries Index (Total Return) April 2000 - Present: S&P/ASX Small Ordinaries Index (Total Return), Source: S&P June 1992 - March 2000: ASX Small Ordinaries Accumulation Index, Source: ASX January 1991 - May 1992: ASX Small Ordinaries Index (Pre-Restructure)

January 1980 - December 1990: ASX Ex-50 Leaders Simulated Index, Source: John Nolan Associates

Returns in AUD Copyright 2025 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. 

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/4pq9WMwZXTs


Published June 2025. In this episode of "What's the Risk?" we take a look at the historic performance of the S&P/ASX Small Ordinaries Index. Some people would know ETFs that seeks to track the performance of this index as Blackrock's ISO and State Street's SSO.


Small companies have long been understood to outperform larger companies, due to higher risk, but in Australia his index has shown a consistent track record of underperformance against larger counterparts. We discuss why that might be and Peter highlights a conversation he had with Ken French that adds some further understanding. 


This is history and doesn't automatically mean the future performance will be as poor, so will you write off Australian small caps? 


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  


S&P/ASX Small Ordinaries Index (Total Return) April 2000 - Present: S&P/ASX Small Ordinaries Index (Total Return), Source: S&P June 1992 - March 2000: ASX Small Ordinaries Accumulation Index, Source: ASX January 1991 - May 1992: ASX Small Ordinaries Index (Pre-Restructure)

January 1980 - December 1990: ASX Ex-50 Leaders Simulated Index, Source: John Nolan Associates

Returns in AUD Copyright 2025 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. 

Hosted on Acast. See acast.com/privacy for more information.

]]> <![CDATA[Solactive GBS Developed Markets ex Aus Large & Mid Cap Index BGBL?]]> Thu, 21 Aug 2025 23:30:00 GMT 8:32 688326283781311f911c0d61 false https://www.mfg.com.au/blog/solactive-gbs-developed-markets-ex-aus-large-mid-cap-index-bgbl-whats-the-risk-32/ 688326283781311f911c0d61 5fd2a90fb6157f0ede1e82b1 solactive-gbs-developed-markets-ex-aus-large-mid-cap-index-b full 1 32 Watch episode on youtube: https://youtu.be/dnx1d6CGA_A


Published June 2025. In this episode of "What's the Risk?" we take a look at the historic performance of the Solactive GBS Developed Markets ex Aus Large & Mid Cap Index. Some people would know an ETF that seeks to track the performance of this index as Betashare's BGBL ETF.


This index is very similar to the MSCI World ex Australia Index which is tracked by Vanguard's VGS, and with returns being almost indistinguishable, it's then up to the investor to make a decision on where they want to get their global large to mid cap exposure from. 


Some investors will consider fees, others will base it on how robust they feel the manager is, but Peter also discusses whether that's really something that needs to be considered?


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  


Solactive GBS Developed Markets ex Aus Large and Mid Cap Index. June 2006 – December 2024: Solactive GBS Developed Markets ex Aus Large and Mid Cap NR Index. ©Solactive AG, 2025. All rights reserved. “Solactive”, “Solactive GBS”, “German Index Engineering” are registered trademarks of Solactive AG 

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/dnx1d6CGA_A


Published June 2025. In this episode of "What's the Risk?" we take a look at the historic performance of the Solactive GBS Developed Markets ex Aus Large & Mid Cap Index. Some people would know an ETF that seeks to track the performance of this index as Betashare's BGBL ETF.


This index is very similar to the MSCI World ex Australia Index which is tracked by Vanguard's VGS, and with returns being almost indistinguishable, it's then up to the investor to make a decision on where they want to get their global large to mid cap exposure from. 


Some investors will consider fees, others will base it on how robust they feel the manager is, but Peter also discusses whether that's really something that needs to be considered?


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  


Solactive GBS Developed Markets ex Aus Large and Mid Cap Index. June 2006 – December 2024: Solactive GBS Developed Markets ex Aus Large and Mid Cap NR Index. ©Solactive AG, 2025. All rights reserved. “Solactive”, “Solactive GBS”, “German Index Engineering” are registered trademarks of Solactive AG 

Hosted on Acast. See acast.com/privacy for more information.

]]> FTSE Australia High Dividend Yield Index VHY? FTSE Australia High Dividend Yield Index VHY? Wed, 20 Aug 2025 23:30:00 GMT 10:15 68831ef3f6d4262b075ff138 false https://www.mfg.com.au/blog/ftse-australia-high-dividend-yield-index-vhy-whats-the-risk-31/ 68831ef3f6d4262b075ff138 5fd2a90fb6157f0ede1e82b1 ftse-australia-high-dividend-yield-index-vhy full 1 31 Watch episode on youtube: https://youtu.be/iTxOV2dSvkA


Published June 2025. In this episode of "What's the Risk?" we take a look at the historic performance of the FTSE Australia High Dividend Yield Index. Some people would know an ETF that seeks to track the performance of this index as Vanguard's VHY ETF.


Dividends and high yield stocks have always been a draw for some investors who may think they are getting something for free with dividends, but it's important to remember dividends are not free money, that cash comes from somewhere Share prices are influenced by expected future cash flows to shareholders. If cash goes out the door as a dividend, share price and market cap generally fall ex dividend.


Dividends are also not as tax efficient as selling something post a CGT discount, however in Australia most of our largest companies are all large dividends payers, so it's interesting to take a look at a yield focused index vs a broader index such as the ASX 300, to see whether simply focusing on those companies has provided a better return?


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  


FTSE Australia High Dividend Yield TR Index AUD 1/2011 - 12/2024. Copyright 2025 FTSE Russell® All rights reserved.


Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/iTxOV2dSvkA


Published June 2025. In this episode of "What's the Risk?" we take a look at the historic performance of the FTSE Australia High Dividend Yield Index. Some people would know an ETF that seeks to track the performance of this index as Vanguard's VHY ETF.


Dividends and high yield stocks have always been a draw for some investors who may think they are getting something for free with dividends, but it's important to remember dividends are not free money, that cash comes from somewhere Share prices are influenced by expected future cash flows to shareholders. If cash goes out the door as a dividend, share price and market cap generally fall ex dividend.


Dividends are also not as tax efficient as selling something post a CGT discount, however in Australia most of our largest companies are all large dividends payers, so it's interesting to take a look at a yield focused index vs a broader index such as the ASX 300, to see whether simply focusing on those companies has provided a better return?


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  


FTSE Australia High Dividend Yield TR Index AUD 1/2011 - 12/2024. Copyright 2025 FTSE Russell® All rights reserved.


Hosted on Acast. See acast.com/privacy for more information.

]]> Finding Purpose in Retirement Finding Purpose in Retirement Tue, 19 Aug 2025 23:30:00 GMT 9:38 68831d27f6d4262b075f8aac false https://www.mfg.com.au/blog/finding-purpose-in-retirement-whats-the-risk-30/ 68831d27f6d4262b075f8aac 5fd2a90fb6157f0ede1e82b1 finding-purpose-in-retirement full 1 30 Watch episode on youtube: https://youtu.be/POVqfaiQaj8


Published May 2025. Retirement is a common goal. For many of us, we'd all like to hang up the boots or log off at some point. The focus usually turns to money as we progress towards retirement, but there is an overlooked issue that is equally important: finding purpose. People know what they are retiring from, but not really knowing what they are retiring to.


Finding a purpose in retirement can be a struggle and may require as much planning as the money side of things to ensure we continue to live happy and healthy lives.


Peter Mancell has been helping people retire for 45 years and he makes purpose a focus of retirement planning, to ensure clients do continue to thrive as they age. 


If you'd like to learn more about investing, Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/POVqfaiQaj8


Published May 2025. Retirement is a common goal. For many of us, we'd all like to hang up the boots or log off at some point. The focus usually turns to money as we progress towards retirement, but there is an overlooked issue that is equally important: finding purpose. People know what they are retiring from, but not really knowing what they are retiring to.


Finding a purpose in retirement can be a struggle and may require as much planning as the money side of things to ensure we continue to live happy and healthy lives.


Peter Mancell has been helping people retire for 45 years and he makes purpose a focus of retirement planning, to ensure clients do continue to thrive as they age. 


If you'd like to learn more about investing, Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  

Hosted on Acast. See acast.com/privacy for more information.

]]> How Passive is Your Index Fund? How Passive is Your Index Fund? Mon, 18 Aug 2025 23:30:00 GMT 13:04 68831535f6d4262b075e2ec2 false https://www.mfg.com.au/blog/how-passive-is-your-index-fund-whats-the-risk-29/ 68831535f6d4262b075e2ec2 5fd2a90fb6157f0ede1e82b1 how-passive-is-your-index-fund Index funds are said to be passive, but that can be a matter of opinion as a number of rules govern how indices and index funds work. full 1 29 Watch episode on youtube: https://youtu.be/p54lPItZSuY


Published May 2025.


Index funds are great investment tools to pursue your investment goals, especially if you can buy one that covers the global investment opportunity set, but that can be hard to do.


We take a look some various quirks around index funds, that highlight the reality that no index is truly passive and we're all faced with making active choices as investors.


It's important to remember that index providers don't have any interest in the needs of the end investor, it's the index manager who selects which index they will track and provide that tracking fund to the public, which is a commercial decision. 


This means investors are often presented with narrower options, that can tempt us to chase fads. And if an index fund doesn't take off, or something more exciting comes along, the index manager can change the index it tracks and leave investors making another choice about what to do with their money. 


None of this is to say that investors shouldn't use index funds, but that it's a good idea to find the broadest possible index available and remain disciplined pursuing your financial and investment goals.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.   

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/p54lPItZSuY


Published May 2025.


Index funds are great investment tools to pursue your investment goals, especially if you can buy one that covers the global investment opportunity set, but that can be hard to do.


We take a look some various quirks around index funds, that highlight the reality that no index is truly passive and we're all faced with making active choices as investors.


It's important to remember that index providers don't have any interest in the needs of the end investor, it's the index manager who selects which index they will track and provide that tracking fund to the public, which is a commercial decision. 


This means investors are often presented with narrower options, that can tempt us to chase fads. And if an index fund doesn't take off, or something more exciting comes along, the index manager can change the index it tracks and leave investors making another choice about what to do with their money. 


None of this is to say that investors shouldn't use index funds, but that it's a good idea to find the broadest possible index available and remain disciplined pursuing your financial and investment goals.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.   

Hosted on Acast. See acast.com/privacy for more information.

]]> <![CDATA[My ETFs & Superannuation Are Going Down!]]> Sun, 17 Aug 2025 23:30:00 GMT 13:17 6883111cf6d4262b075d7759 false https://www.mfg.com.au/blog/my-etfs-superannuation-are-going-down-whats-the-risk-28/ 6883111cf6d4262b075d7759 5fd2a90fb6157f0ede1e82b1 my-etfs-superannuation-are-going-down full 1 28 Watch episode on youtube: https://www.youtube.com/watch?v=uvFqe_CH5BU


Published March 2025. Market volatility isn't a new thing, it's the price of admission when investing. But every bout of volatility or even a correction may feel different, and incredibly important, but history has shown markets always price in new information and move on.


As market volatility prompts reactions from investors, it's going to tell investors something about themselves. While investors should construct their portfolios and address their super allocation according to their goals and risk tolerance, often they pick something with the highest return number. They then get a shock when it also delivers them volatility they weren't expecting.


We look at some issues around this. We highlight things investors should consider either now, or preferably before they build a portfolio, or change their superannuation to a very aggressive option, just because someone told them they should.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://www.youtube.com/watch?v=uvFqe_CH5BU


Published March 2025. Market volatility isn't a new thing, it's the price of admission when investing. But every bout of volatility or even a correction may feel different, and incredibly important, but history has shown markets always price in new information and move on.


As market volatility prompts reactions from investors, it's going to tell investors something about themselves. While investors should construct their portfolios and address their super allocation according to their goals and risk tolerance, often they pick something with the highest return number. They then get a shock when it also delivers them volatility they weren't expecting.


We look at some issues around this. We highlight things investors should consider either now, or preferably before they build a portfolio, or change their superannuation to a very aggressive option, just because someone told them they should.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> MSCI World ex Australia Small Cap Quality Index QSML? MSCI World ex Australia Small Cap Quality Index QSML? Sat, 16 Aug 2025 23:30:00 GMT 8:50 68830df96e658a8b3c6a036a false https://www.mfg.com.au/blog/msci-world-ex-australia-small-cap-quality-whats-the-risk-27/ 68830df96e658a8b3c6a036a 5fd2a90fb6157f0ede1e82b1 msci-world-ex-australia-small-cap-quality-index-qsml full 1 27 Watch episode on youtube: https://www.youtube.com/watch?v=JL9LDHCTa4c


Published March 2025. In this episode of "What's the Risk?" we take a look at the historic performance of the MSCI World ex Australia Small Cap Quality 150 Index. Some people would know an ETF that seeks to track the performance of this index as VanEck's QSML ETF.


We briefly look at how the index is constructed by MSCI, but you can refer back to our pervious video on MSCI World ex Australia Quality Index for a better discussion on quality.


The index itself draws from MSCI World ex Australia Small Cap Index, so we compare the performance of the two indices since January 1999.


If we take MSCI's screen for quality and size, there certainly appears to have been a premium attached to it over this time period.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  


MSCI World ex Australia Small Cap Quality 150 Index (AUD) January 1999 – December 2024: Country Code AA. Total Returns Net Dividends in AUD

Source: MSCI MSCI data © MSCI 2025, all rights reserved.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://www.youtube.com/watch?v=JL9LDHCTa4c


Published March 2025. In this episode of "What's the Risk?" we take a look at the historic performance of the MSCI World ex Australia Small Cap Quality 150 Index. Some people would know an ETF that seeks to track the performance of this index as VanEck's QSML ETF.


We briefly look at how the index is constructed by MSCI, but you can refer back to our pervious video on MSCI World ex Australia Quality Index for a better discussion on quality.


The index itself draws from MSCI World ex Australia Small Cap Index, so we compare the performance of the two indices since January 1999.


If we take MSCI's screen for quality and size, there certainly appears to have been a premium attached to it over this time period.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  


MSCI World ex Australia Small Cap Quality 150 Index (AUD) January 1999 – December 2024: Country Code AA. Total Returns Net Dividends in AUD

Source: MSCI MSCI data © MSCI 2025, all rights reserved.

Hosted on Acast. See acast.com/privacy for more information.

]]> MSCI World ex Australia Quality Index QUAL? MSCI World ex Australia Quality Index QUAL? Fri, 15 Aug 2025 23:30:00 GMT 10:43 688304d3e0a86cc3abe3def1 false https://www.mfg.com.au/blog/msci-world-ex-australia-quality-index-whats-the-risk-26/ 688304d3e0a86cc3abe3def1 5fd2a90fb6157f0ede1e82b1 msci-world-ex-australia-quality-index full 1 26 Watch episode on youtube: https://www.youtube.com/watch?v=cMkt4febfWg


Published February 2025. In this episode of "What's the Risk?" we take a look at the historic performance of the MSCI World ex Australia Quality Index. Some people would know an ETF that seeks to track the performance of this index as VanEck's QUAL ETF.


We look at the definition of quality by MSCI and Peter discusses how that compares to the profitability factor. The index itself draws from MSCI World ex Australia, so we compare the performance of the two indices since December 1994.


If we take MSCI's screen for quality, there certainly appears to have been a premium attached to it over this time period.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  


MSCI World ex Australia Quality NR Index AUD. December 1994 – December 2024: Country Code AA. Total Returns Net Dividends in AUD

Source: MSCI MSCI data © MSCI 2025, all rights reserved


Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://www.youtube.com/watch?v=cMkt4febfWg


Published February 2025. In this episode of "What's the Risk?" we take a look at the historic performance of the MSCI World ex Australia Quality Index. Some people would know an ETF that seeks to track the performance of this index as VanEck's QUAL ETF.


We look at the definition of quality by MSCI and Peter discusses how that compares to the profitability factor. The index itself draws from MSCI World ex Australia, so we compare the performance of the two indices since December 1994.


If we take MSCI's screen for quality, there certainly appears to have been a premium attached to it over this time period.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  


MSCI World ex Australia Quality NR Index AUD. December 1994 – December 2024: Country Code AA. Total Returns Net Dividends in AUD

Source: MSCI MSCI data © MSCI 2025, all rights reserved


Hosted on Acast. See acast.com/privacy for more information.

]]> Solactive Australia 200 Index A200? Solactive Australia 200 Index A200? Thu, 14 Aug 2025 23:30:00 GMT 8:53 6882f96c3781311f91125266 false https://www.mfg.com.au/blog/solactive-australia-200-index-whats-the-risk-25/ 6882f96c3781311f91125266 5fd2a90fb6157f0ede1e82b1 solactive-australia-200-index Long term history of the Solactive Australia 200 Index, tracked by Betashares A200 ETF in Australia full 1 25 Watch episode on youtube: https://youtu.be/wrwlOlimcec


Published February 2025. In this episode of "What's the Risk?" we take a look at the historic performance of the Solactive Australia 200 Index, which some investors may know is tracked by Betashares A200 ETF. 


At the end of 2024, the index itself doesn't have a long history, just over 14 years, so while we look at its recent performance, which is similar to an S&P/ASX 200 tracker, we specifically look at the gap in performance between the 200 largest companies and the 300 largest companies in Australia. 


Larger companies tend to do better in Australia, which leaves question marks over the small cap effect, but Peter has some theories on the underperformance.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  


October 2010 – December 2024: Solactive Australia 200 TR Index AUD. ©Solactive AG, 2025. All rights reserved. “Solactive”, “Solactive GBS”, “German Index Engineering” are registered trademarks of Solactive AG 

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/wrwlOlimcec


Published February 2025. In this episode of "What's the Risk?" we take a look at the historic performance of the Solactive Australia 200 Index, which some investors may know is tracked by Betashares A200 ETF. 


At the end of 2024, the index itself doesn't have a long history, just over 14 years, so while we look at its recent performance, which is similar to an S&P/ASX 200 tracker, we specifically look at the gap in performance between the 200 largest companies and the 300 largest companies in Australia. 


Larger companies tend to do better in Australia, which leaves question marks over the small cap effect, but Peter has some theories on the underperformance.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  


October 2010 – December 2024: Solactive Australia 200 TR Index AUD. ©Solactive AG, 2025. All rights reserved. “Solactive”, “Solactive GBS”, “German Index Engineering” are registered trademarks of Solactive AG 

Hosted on Acast. See acast.com/privacy for more information.

]]> MSCI Russia aka ETF Closure Risk MSCI Russia aka ETF Closure Risk Wed, 13 Aug 2025 23:30:00 GMT 10:34 6882eeb53781311f910fd641 false https://www.mfg.com.au/blog/msci-russia-aka-etf-closure-risk-whats-the-risk-24/ 6882eeb53781311f910fd641 5fd2a90fb6157f0ede1e82b1 msci-russia-aka-etf-closure-risk ETFs can close and if they close for geopolitical reasons it may take some time to realise your money, we look at Russia as an example. full 1 24 Watch episode on youtube: https://youtu.be/J8wEM-RpxHc


Published January 2025. In this episode of "What's the Risk?" we take a look at the historic performance of the MSCI Russia Index as a lead into a discussion on what happens when an ETF is closed and doing due diligence on any ETFs an investor might use in their portfolio.


ETF closure is a risk and it can happen for various reasons, in the example of Russia the index providers stopped tracking Russia after the invasion of Ukraine, but ETFs can be shut down and changed at the whim of the manager. We look at two cases at Vanguard and Blackrock which show it's not just small managers who will close or change ETFs without much warning.  


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  


MSCI Russia Index (net div.) January 1999 - Present: Total Returns Net Dividends in USD. Source: MSCI. MSCI data © MSCI 2025, all rights reserved.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/J8wEM-RpxHc


Published January 2025. In this episode of "What's the Risk?" we take a look at the historic performance of the MSCI Russia Index as a lead into a discussion on what happens when an ETF is closed and doing due diligence on any ETFs an investor might use in their portfolio.


ETF closure is a risk and it can happen for various reasons, in the example of Russia the index providers stopped tracking Russia after the invasion of Ukraine, but ETFs can be shut down and changed at the whim of the manager. We look at two cases at Vanguard and Blackrock which show it's not just small managers who will close or change ETFs without much warning.  


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  


MSCI Russia Index (net div.) January 1999 - Present: Total Returns Net Dividends in USD. Source: MSCI. MSCI data © MSCI 2025, all rights reserved.

Hosted on Acast. See acast.com/privacy for more information.

]]> <![CDATA[S&P 500 "The Lost Decade"]]> Tue, 12 Aug 2025 23:30:00 GMT 11:07 6881d19b2a38d6f5cb2fca6e false https://www.mfg.com.au/blog/sp-500-lost-decade-whats-the-risk-23/ 6881d19b2a38d6f5cb2fca6e 5fd2a90fb6157f0ede1e82b1 sp-500-the-lost-decade full 1 23 Watch episode on youtube: https://youtu.be/OLbPYJJbVXY


Published January 2025. In this episode of "What's the Risk?" we take a look at the performance of the S&P 500 across 2000-2009, which is often regarded as a lost decade due to the negative return the index delivered.  


In more recent times the performance of the S&P 500 has been amazing and it's had some investors believing that the S&P 500 is the only thing they need as their investment strategy. Is that good or bad? As we explain, diversification is probably a better strategy, but if they are planning to use one index as their strategy, they should be prepared to stick with it through thick and thin.


We also look at the impact the Australian dollar had for Australian investors, along with how the returns would have played out with "real world" scenarios had an investor been dollar cost averaging or drawing from a portfolio in a retirement scenario. We also compare some other asset classes an investor could have used across the decade and seen a more positive return.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.


S&P 500 Index 1/1926 - 12/2023. January 1990 - Present: S&P 500 Index. Total Returns in USD. Source: Standard & Poors Index Services Group. January 1926 - December 1989: S&P 500 Index Source: Ibbotson data courtesy of © Stocks, Bonds, Bills and Inflation Yearbook, Ibbotson Associates, Chicago (annually updated works by Roger C. Ibbotson and Rex A. Sinquefield). Copyright 2024 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/OLbPYJJbVXY


Published January 2025. In this episode of "What's the Risk?" we take a look at the performance of the S&P 500 across 2000-2009, which is often regarded as a lost decade due to the negative return the index delivered.  


In more recent times the performance of the S&P 500 has been amazing and it's had some investors believing that the S&P 500 is the only thing they need as their investment strategy. Is that good or bad? As we explain, diversification is probably a better strategy, but if they are planning to use one index as their strategy, they should be prepared to stick with it through thick and thin.


We also look at the impact the Australian dollar had for Australian investors, along with how the returns would have played out with "real world" scenarios had an investor been dollar cost averaging or drawing from a portfolio in a retirement scenario. We also compare some other asset classes an investor could have used across the decade and seen a more positive return.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.


S&P 500 Index 1/1926 - 12/2023. January 1990 - Present: S&P 500 Index. Total Returns in USD. Source: Standard & Poors Index Services Group. January 1926 - December 1989: S&P 500 Index Source: Ibbotson data courtesy of © Stocks, Bonds, Bills and Inflation Yearbook, Ibbotson Associates, Chicago (annually updated works by Roger C. Ibbotson and Rex A. Sinquefield). Copyright 2024 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved.

Hosted on Acast. See acast.com/privacy for more information.

]]> MSCI Japan Index MSCI Japan Index Mon, 11 Aug 2025 23:30:00 GMT 9:23 6881ba55498abee41656f118 false https://www.mfg.com.au/blog/msci-japan-index-whats-the-risk-22/ 6881ba55498abee41656f118 5fd2a90fb6157f0ede1e82b1 msci-japan-index full 1 22 Watch episode on youtube: https://youtu.be/4WGxBDgr_9I


Published December 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the MSCI Japan Index (net div, JPY) which tracks the performance of the large and mid cap segments of the Japanese market.  


Japan's stockmarket performance over an extended period was extremely poor after a very strong period in the 1980's, and it's often used as an example as why people shouldn't index, but as we explain, it's really an argument for diversification.  


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  


MSCI Japan Index (net div., JPY) 1/1970 - 12/2023 January 1970 - Present: MSCI Japan Index (net div., JPY) Total Returns Net Dividends in JPY

Country Code FJ Source: MSCI MSCI data © MSCI 2024, all rights reserved. 

MSCI World ex Japan Index (Kokusai Index) (net div., JPY) 1/1970 - 12/2023  February 2004 - present: MSCI World ex Japan (Kokusai Index) (net div, JPY)

Returns Net Dividends in JPY Currency Code: JPY MSCI data © MSCI 2024, all rights reserved. 

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/4WGxBDgr_9I


Published December 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the MSCI Japan Index (net div, JPY) which tracks the performance of the large and mid cap segments of the Japanese market.  


Japan's stockmarket performance over an extended period was extremely poor after a very strong period in the 1980's, and it's often used as an example as why people shouldn't index, but as we explain, it's really an argument for diversification.  


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  


MSCI Japan Index (net div., JPY) 1/1970 - 12/2023 January 1970 - Present: MSCI Japan Index (net div., JPY) Total Returns Net Dividends in JPY

Country Code FJ Source: MSCI MSCI data © MSCI 2024, all rights reserved. 

MSCI World ex Japan Index (Kokusai Index) (net div., JPY) 1/1970 - 12/2023  February 2004 - present: MSCI World ex Japan (Kokusai Index) (net div, JPY)

Returns Net Dividends in JPY Currency Code: JPY MSCI data © MSCI 2024, all rights reserved. 

Hosted on Acast. See acast.com/privacy for more information.

]]> Best VAS/VGS Split? Best VAS/VGS Split? Sun, 10 Aug 2025 23:30:00 GMT 8:28 68819ab7f6d4262b07000712 false https://www.mfg.com.au/blog/best-vas-vgs-split-whats-the-risk-21/ 68819ab7f6d4262b07000712 5fd2a90fb6157f0ede1e82b1 best-vasvgs-split full 1 21 Watch episode on youtube: https://www.youtube.com/watch?v=zuQanuf95w8


Published December 2024. In this episode of "What's the Risk?" we take a look at various constructions of MSCI World ex Australia Index and the S&P/ASX 300 Index (Total Return), 70/30, 60/40, 50/50, 40/60, 30/70.


Some people would know the combination of the ETFs that seek to track the performance of these indices as the VAS/VGS split, so it gives a fuller picture of what those constructions would have done over the longer term.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  


S&P/ASX 300 Index (Total Return) 1/1980 - 12/2023. April 2000 - Present: S&P/ASX 300 Index (Total Return), Source: S&P June 1992 - March 2000: ASX 300 Accumulation Index, Source: ASX January 1980 - May 1992: ASX All Ordinaries Accumulation Index, Source: ASX Returns in AUD Copyright 2024 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. MSCI World ex Australia Index (net div., AUD) 1/1975 - 12/2024. January 1975 - present: MSCI World ex Australia Index (net div.) Total Returns Net Dividends in AUD Source: MSCI. Country Code: AA MSCI data © MSCI 2024, all rights reserved.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://www.youtube.com/watch?v=zuQanuf95w8


Published December 2024. In this episode of "What's the Risk?" we take a look at various constructions of MSCI World ex Australia Index and the S&P/ASX 300 Index (Total Return), 70/30, 60/40, 50/50, 40/60, 30/70.


Some people would know the combination of the ETFs that seek to track the performance of these indices as the VAS/VGS split, so it gives a fuller picture of what those constructions would have done over the longer term.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  


S&P/ASX 300 Index (Total Return) 1/1980 - 12/2023. April 2000 - Present: S&P/ASX 300 Index (Total Return), Source: S&P June 1992 - March 2000: ASX 300 Accumulation Index, Source: ASX January 1980 - May 1992: ASX All Ordinaries Accumulation Index, Source: ASX Returns in AUD Copyright 2024 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved. MSCI World ex Australia Index (net div., AUD) 1/1975 - 12/2024. January 1975 - present: MSCI World ex Australia Index (net div.) Total Returns Net Dividends in AUD Source: MSCI. Country Code: AA MSCI data © MSCI 2024, all rights reserved.

Hosted on Acast. See acast.com/privacy for more information.

]]> <![CDATA[Why Shouldn't You Have a Financial Adviser?]]> Sat, 09 Aug 2025 23:30:00 GMT 12:55 687f3653ba2fa91a211f6524 false https://www.mfg.com.au/blog/why-shouldnt-you-have-a-financial-adviser-whats-the-risk-20/ 687f3653ba2fa91a211f6524 5fd2a90fb6157f0ede1e82b1 why-shouldnt-you-have-a-financial-adviser full 1 20 Watch episode on youtube: https://youtu.be/ZXQKdbd05FU


Published November 2024. People often ask "do I need a financial adviser?", but there's another question regularly overlooked: are they the type of person who should have a financial adviser?  


While financial advice can be beneficial for everyone, some people don't have the capacity to accept it, so understanding who you are is important. Some people don't want to relinquish control, they aren't always forthcoming with important information, they resent paying. These things will all become problems at some point in an advice relationship.  


We're joined by Tristan Dallas, a financial adviser at Mancell Financial Group to discuss who financial advice works for and who it doesn't work for. Before seeking out an adviser, it's important to consider what type of person you are, and ensure you're not entering into a relationship that won't work.  


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/ZXQKdbd05FU


Published November 2024. People often ask "do I need a financial adviser?", but there's another question regularly overlooked: are they the type of person who should have a financial adviser?  


While financial advice can be beneficial for everyone, some people don't have the capacity to accept it, so understanding who you are is important. Some people don't want to relinquish control, they aren't always forthcoming with important information, they resent paying. These things will all become problems at some point in an advice relationship.  


We're joined by Tristan Dallas, a financial adviser at Mancell Financial Group to discuss who financial advice works for and who it doesn't work for. Before seeking out an adviser, it's important to consider what type of person you are, and ensure you're not entering into a relationship that won't work.  


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.  

Hosted on Acast. See acast.com/privacy for more information.

]]> CRSP US Total Market Index VTS? VTI? CRSP US Total Market Index VTS? VTI? Fri, 08 Aug 2025 23:30:00 GMT 9:09 687f3431f6d4262b0756146c false https://www.mfg.com.au/blog/crsp-us-total-market-index-whats-the-risk-19/ 687f3431f6d4262b0756146c 5fd2a90fb6157f0ede1e82b1 crsp-us-total-market-index full 1 19 Watch episode on youtube: https://youtu.be/ZIcy40f08iI


Published November 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the CRSP US Total Market Index, which represents 100% of the investible US equity market. Investors may be familair with Vanguard's VTI or VTS ETFs which seek to track the return of the US total market, depending on whether they are using the Australian or US ETF.


Investors often ask the question, or make the comparison between the S&P 500 and the US Total Market Index, and wonder which one they should choose. We look at the outcomes over various time frames, but overall note the correlation between the two is high. 


CRSP Deciles 1-10 Index (market) 1/1926 - 12/2023. Source: CRSP, total returns in USD$. Jul 1962 - Present : CRSP Deciles 1-10 Cap-Based (Market) Portfolio Rebal. Quarterly - All Exchanges CRSP Market Index-Weighted average of CRSP 1 through CRSP 10. Jan 1926 - Jun 1962: NYSE, Rebalanced Semi-Annually. CRSP data provided by the Center for Research in Security Prices, University of Chicago.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/ZIcy40f08iI


Published November 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the CRSP US Total Market Index, which represents 100% of the investible US equity market. Investors may be familair with Vanguard's VTI or VTS ETFs which seek to track the return of the US total market, depending on whether they are using the Australian or US ETF.


Investors often ask the question, or make the comparison between the S&P 500 and the US Total Market Index, and wonder which one they should choose. We look at the outcomes over various time frames, but overall note the correlation between the two is high. 


CRSP Deciles 1-10 Index (market) 1/1926 - 12/2023. Source: CRSP, total returns in USD$. Jul 1962 - Present : CRSP Deciles 1-10 Cap-Based (Market) Portfolio Rebal. Quarterly - All Exchanges CRSP Market Index-Weighted average of CRSP 1 through CRSP 10. Jan 1926 - Jun 1962: NYSE, Rebalanced Semi-Annually. CRSP data provided by the Center for Research in Security Prices, University of Chicago.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Price Return vs Total Return Price Return vs Total Return Thu, 07 Aug 2025 23:30:00 GMT 9:16 687f3290fd9acfeba4669313 false https://www.mfg.com.au/blog/price-return-vs-total-return-whats-the-risk-18/ 687f3290fd9acfeba4669313 5fd2a90fb6157f0ede1e82b1 price-return-vs-total-return full 1 18 Watch episode on youtube: https://youtu.be/BWLOwNIEx0w


Published November 2024. A common misconception for investors is not being aware of price and total return, along with the difference between the two.


In this video we compare two versions of the S&P/ASX 300 Index to see how wide the difference in returns can be. Vanguard's VAS attempts to track the total return version of the index.


Not knowing there is a price and a total return index can lead to confusion over historic returns when an investor sees a chart, or a quoted price, and it's only factoring in the price change. Quite often the media, either aware or not, will use price returns, which will add to the misinformation, leaving investors believing returns have been lower than they are. 


The price vs total return issues extends beyond indexes to stock prices and ETFs. Google is a common place to search for an ETF or stock code and the charts returned by google only show the price changes.


In an attempt to address this problem, Mark Hebner of ifa.com has launched a petition to persuade the media to change their ways and start reporting total returns as standard. 


Sign Mark's petition at http://www.ifa.com/petition.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/BWLOwNIEx0w


Published November 2024. A common misconception for investors is not being aware of price and total return, along with the difference between the two.


In this video we compare two versions of the S&P/ASX 300 Index to see how wide the difference in returns can be. Vanguard's VAS attempts to track the total return version of the index.


Not knowing there is a price and a total return index can lead to confusion over historic returns when an investor sees a chart, or a quoted price, and it's only factoring in the price change. Quite often the media, either aware or not, will use price returns, which will add to the misinformation, leaving investors believing returns have been lower than they are. 


The price vs total return issues extends beyond indexes to stock prices and ETFs. Google is a common place to search for an ETF or stock code and the charts returned by google only show the price changes.


In an attempt to address this problem, Mark Hebner of ifa.com has launched a petition to persuade the media to change their ways and start reporting total returns as standard. 


Sign Mark's petition at http://www.ifa.com/petition.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/  


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> AusBond Composite 0+ Yr Index VAF? IAF? AusBond Composite 0+ Yr Index VAF? IAF? Wed, 06 Aug 2025 23:30:00 GMT 9:56 687f30d1498abee4169df276 false https://www.mfg.com.au/blog/bloomberg-ausbond-composite-0-yr-index-whats-the-risk-17/ 687f30d1498abee4169df276 5fd2a90fb6157f0ede1e82b1 ausbond-composite-0-yr-index full 1 17 Watch episode on youtube: https://youtu.be/tUtvExamIpU


Published October 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the Bloomberg AusBond Composite 0+ Yr Index. Investors who invest in Australian bonds or fixed interest may know Vanguard's VAF and Blackrock's IAF as ETFs that seek to track this index.


Bonds aren't exactly popular with many retail investors, who gravitate to equities due to higher returns, and in recent years the performance of bonds hasn't changed the minds of many investors, but they can and do have a place in many portfolios.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/tUtvExamIpU


Published October 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the Bloomberg AusBond Composite 0+ Yr Index. Investors who invest in Australian bonds or fixed interest may know Vanguard's VAF and Blackrock's IAF as ETFs that seek to track this index.


Bonds aren't exactly popular with many retail investors, who gravitate to equities due to higher returns, and in recent years the performance of bonds hasn't changed the minds of many investors, but they can and do have a place in many portfolios.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


https://www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253

Hosted on Acast. See acast.com/privacy for more information.

]]> Do You Need An SMSF? Do You Need An SMSF? Tue, 05 Aug 2025 23:30:00 GMT 15:56 687f2b11498abee4169ca74f false https://www.mfg.com.au/blog/do-you-need-an-smsf-whats-the-risk-16/ 687f2b11498abee4169ca74f 5fd2a90fb6157f0ede1e82b1 do-you-need-an-smsf Two investors were sold on SMSFs as a way to have more control, but all they saw were significant losses. full 1 16 Watch episode on youtube: https://youtu.be/YThymY30Ghg


Published October 2024. The popularity of Self managed super funds or SMSFs continues to grow in Australia, but for all the success stories there are those investors who aren't well informed and lured into an SMSF by promoters who end up destroying their retirement nest egg with high risk and untested schemes and investments like United Global Capital.


We're joined by financial advisers Tristan Dallas and Georgia Eade, who've both recently seen two SMSF disasters where the investors may lose the majority of their retirement savings, via in one case their accountant, and in the other, by being cold called for a super "heath check".


We also finish up by looking at justifiable cases for an SMSF because there certainly are some good options out there, but SMSFs are not for everyone.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/YThymY30Ghg


Published October 2024. The popularity of Self managed super funds or SMSFs continues to grow in Australia, but for all the success stories there are those investors who aren't well informed and lured into an SMSF by promoters who end up destroying their retirement nest egg with high risk and untested schemes and investments like United Global Capital.


We're joined by financial advisers Tristan Dallas and Georgia Eade, who've both recently seen two SMSF disasters where the investors may lose the majority of their retirement savings, via in one case their accountant, and in the other, by being cold called for a super "heath check".


We also finish up by looking at justifiable cases for an SMSF because there certainly are some good options out there, but SMSFs are not for everyone.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> NASDAQ 100 NDQ? QQQ? NASDAQ 100 NDQ? QQQ? Mon, 04 Aug 2025 23:30:00 GMT 9:01 687f2736a2391fe432380139 false https://www.mfg.com.au/blog/nasdaq-100-whats-the-risk-15/ 687f2736a2391fe432380139 5fd2a90fb6157f0ede1e82b1 nasdaq-100 full 1 15 Watch episode on youtube: https://youtu.be/KqpwCSyzQKE


Published October 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the NASDAQ 100 Total Return Index since 1999.


A popular index with investors via Invesco's QQQ and Betashares NDQ in Australia due to tech focus and strong returns in recent years, but going back a little further there was a significant peak to trough fall that many investors aren't aware of. It's important to consider the prior downside because this is a concentrated index and it was only a little over 2 decades ago. Some investors write off the potential for large declines because the worst ones occurred back in the 1930's.


NASDAQ-100® Index (Total Return) USD XNDX & NASDAQ-100® Index Net Total Return (AUD) XNDXNNR © 2024. Nasdaq, Inc. All Rights Reserved.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/KqpwCSyzQKE


Published October 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the NASDAQ 100 Total Return Index since 1999.


A popular index with investors via Invesco's QQQ and Betashares NDQ in Australia due to tech focus and strong returns in recent years, but going back a little further there was a significant peak to trough fall that many investors aren't aware of. It's important to consider the prior downside because this is a concentrated index and it was only a little over 2 decades ago. Some investors write off the potential for large declines because the worst ones occurred back in the 1930's.


NASDAQ-100® Index (Total Return) USD XNDX & NASDAQ-100® Index Net Total Return (AUD) XNDXNNR © 2024. Nasdaq, Inc. All Rights Reserved.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> ETF Overlap ETF Overlap Sun, 03 Aug 2025 23:30:00 GMT 9:43 687f22b4498abee4169b21d7 false https://www.mfg.com.au/blog/etf-overlap-vgs-ivv-ndq-ethi-whats-the-risk-14/ 687f22b4498abee4169b21d7 5fd2a90fb6157f0ede1e82b1 etf-overlap What happens when you try to build a diversified portfolio with ETFs based on their wrapper, not the underlying assets? full 1 14 Watch episode on youtube: https://youtu.be/knR9fCF3RcI


Published September 2024. ETFs are easy to get started with, but some investors choose to combine them based on the labels on the outside and not the assets in the inside.


They may assume they are diversifying because they’ve added an extra ETF, but in some cases it does nothing to diversify their portfolio, increases its concentration in some stocks and increases the risk.


We take a look at a combination of Vanguard’s VGS, Blackrock’s IVV, Betashares’ NDQ and ETHI and see how adding additional ETFs adds holdings and how the composition of the 10 ten holdings in the portfolio changes.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/knR9fCF3RcI


Published September 2024. ETFs are easy to get started with, but some investors choose to combine them based on the labels on the outside and not the assets in the inside.


They may assume they are diversifying because they’ve added an extra ETF, but in some cases it does nothing to diversify their portfolio, increases its concentration in some stocks and increases the risk.


We take a look at a combination of Vanguard’s VGS, Blackrock’s IVV, Betashares’ NDQ and ETHI and see how adding additional ETFs adds holdings and how the composition of the 10 ten holdings in the portfolio changes.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> FTSE Developed Core Infrastructure Index VBLD? FTSE Developed Core Infrastructure Index VBLD? Sat, 02 Aug 2025 23:30:00 GMT 11:08 687f21e2a2391fe43236f822 false https://www.mfg.com.au/blog/ftse-developed-core-infrastructure-whats-the-risk-13/ 687f21e2a2391fe43236f822 5fd2a90fb6157f0ede1e82b1 ftse-developed-core-infrastructure-index full 1 13 Watch episode on youtube: https://youtu.be/DcTPjBovpyg


Published September 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the FTSE Developed Core Infrastructure Index. An index comprising infrastructure assets in developed markets.  


Over the years there has been some discussion that infrastructure could be a fixed interest replacement, but we look at the data to see it performs more inline with developed market equities and not fixed interest.


Some people would know Vanguard's VBLD as an ETF that attempts to track the return of this index before fees, expenses and tax.


FTSE Developed Core Infrastructure Index (Total Return) Total Returns in AUD. Copyright 2024 FTSE Russell® All rights reserved.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/DcTPjBovpyg


Published September 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the FTSE Developed Core Infrastructure Index. An index comprising infrastructure assets in developed markets.  


Over the years there has been some discussion that infrastructure could be a fixed interest replacement, but we look at the data to see it performs more inline with developed market equities and not fixed interest.


Some people would know Vanguard's VBLD as an ETF that attempts to track the return of this index before fees, expenses and tax.


FTSE Developed Core Infrastructure Index (Total Return) Total Returns in AUD. Copyright 2024 FTSE Russell® All rights reserved.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Is it Worth Getting Financial Advice? Neighbour Says No! Is it Worth Getting Financial Advice? Neighbour Says No! Fri, 01 Aug 2025 23:30:00 GMT 15:22 687f1ab2a2391fe43235bd6e false https://www.mfg.com.au/blog/financial-advice-isnt-worth-it/ 687f1ab2a2391fe43235bd6e 5fd2a90fb6157f0ede1e82b1 is-it-worth-getting-financial-advice-neighbour-says-no A financial adviser helps out a client after a big fee from her lawyer and some poor advice from her neighbour. full 1 12 Watch episode on youtube: https://youtu.be/gz54X9j9kDE


Published September 2024. Andrew McKimmie of Mancell Financial Group joins this episode of "What's the Risk" to discuss how he recently helped a client who was medically disabled and running out of the money she was living on after a disability payment. There was a risk she'd soon be unable to pay her mortgage.


Her neighbour offered some free advice, firstly that she shouldn't see an adviser because it would cost money, and not to take money from superannuation because she'd pay tax.


So what would she do and how could Andrew help?


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/gz54X9j9kDE


Published September 2024. Andrew McKimmie of Mancell Financial Group joins this episode of "What's the Risk" to discuss how he recently helped a client who was medically disabled and running out of the money she was living on after a disability payment. There was a risk she'd soon be unable to pay her mortgage.


Her neighbour offered some free advice, firstly that she shouldn't see an adviser because it would cost money, and not to take money from superannuation because she'd pay tax.


So what would she do and how could Andrew help?


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> FTSE Emerging Markets All Cap China A Inclusion Index VGE? FTSE Emerging Markets All Cap China A Inclusion Index VGE? Thu, 31 Jul 2025 23:30:00 GMT 9:42 687f16810de40e9a7c59db8e false https://www.mfg.com.au/blog/ftse-emerging-markets-whats-the-risk-11/ 687f16810de40e9a7c59db8e 5fd2a90fb6157f0ede1e82b1 ftse-emerging-markets-all-cap-china-a-inclusion-index full 1 11 Watch episode on youtube: https://youtu.be/20BVAzSSElo


Published August 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the FTSE Emerging Markets All Cap China A Inclusion Index (net divs.) AUD. An index comprising emerging markets across large, medium and small companies. 


Some people would know Vanguard's VGE as an ETF that attempts to track the return of this index before fees, expenses and tax, which are an important consideration as investors may not achieve a return as close to the index as they'd like due to fees and taxes.


FTSE EM All Cap China A Inclusion NR Index AUD/FTSE Emerging Markets All Cap China A Transition NR Index AUD (prior to Sep 2016). Copyright 2024 FTSE Russell® All rights reserved


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/20BVAzSSElo


Published August 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the FTSE Emerging Markets All Cap China A Inclusion Index (net divs.) AUD. An index comprising emerging markets across large, medium and small companies. 


Some people would know Vanguard's VGE as an ETF that attempts to track the return of this index before fees, expenses and tax, which are an important consideration as investors may not achieve a return as close to the index as they'd like due to fees and taxes.


FTSE EM All Cap China A Inclusion NR Index AUD/FTSE Emerging Markets All Cap China A Transition NR Index AUD (prior to Sep 2016). Copyright 2024 FTSE Russell® All rights reserved


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> MSCI World ex Australia Small Cap Index VISM? MSCI World ex Australia Small Cap Index VISM? Wed, 30 Jul 2025 23:30:00 GMT 10:50 687f07c3a2391fe43231a56f false https://www.mfg.com.au/blog/global-small-caps-whats-the-risk-10/ 687f07c3a2391fe43231a56f 5fd2a90fb6157f0ede1e82b1 msci-world-ex-australia-small-cap-index full 1 10 Watch episode on youtube: https://youtu.be/iBJtKNVkDg4


Published August 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the MSCI World ex Australia Small Cap Index (net div., AUD), which is an index comprising international small companies. 


Some investors might be surprised to find the performance since inception has outpaced the large companies MSCI World ex Australia, since 1999, so we pose some questions on recency bias.


Some people would know Vanguard's VISM as an ETF that attempts to track the return of the MSCI World ex Australia Small Cap Index (net div., AUD) before fees, expenses and tax.


MSCI World ex Australia Small Cap Index (net div.) January 2001 - Present: MSCI World ex Australia Small Cap Index (net div.) Country Code AA

Total Returns Net Dividends in AUD. Source: MSCI. MSCI data © MSCI 2024, all rights reserved.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/iBJtKNVkDg4


Published August 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the MSCI World ex Australia Small Cap Index (net div., AUD), which is an index comprising international small companies. 


Some investors might be surprised to find the performance since inception has outpaced the large companies MSCI World ex Australia, since 1999, so we pose some questions on recency bias.


Some people would know Vanguard's VISM as an ETF that attempts to track the return of the MSCI World ex Australia Small Cap Index (net div., AUD) before fees, expenses and tax.


MSCI World ex Australia Small Cap Index (net div.) January 2001 - Present: MSCI World ex Australia Small Cap Index (net div.) Country Code AA

Total Returns Net Dividends in AUD. Source: MSCI. MSCI data © MSCI 2024, all rights reserved.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> <![CDATA[S&P/ASX 300 A-REIT Index VAP?]]> Tue, 29 Jul 2025 23:30:00 GMT 11:11 687f021b498abee4169497df false https://www.mfg.com.au/blog/asx-300-a-reit-index-whats-the-risk-09/ 687f021b498abee4169497df 5fd2a90fb6157f0ede1e82b1 spasx-300-a-reit-index full 1 9 Watch episode on youtube: https://youtu.be/zkSZZf4LcZU


Published August 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the S&P/ASX 300 A-REIT Index (Total Return), which is an index comprising Australian real estate investment trusts (A-REITs) with residential, office, retail, and industrial properties.


Some people would know Vanguard's VAP as an ETF that attempts to track the return of the S&P/ASX 300 A-REIT Index before fees, expenses and tax.


S&P/ASX 300 A-REIT Index. April 2000 - Present: S&P/ASX 300 A-REIT Index (Total Return), Source: S&P.June 1992 - March 2000: ASX 300 Listed Property Accumulation Index, Source: ASX January 1982 - May 1992: ASX All Ordinaries Listed Property Accum Index Returns in AUD Copyright 2024 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/zkSZZf4LcZU


Published August 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the S&P/ASX 300 A-REIT Index (Total Return), which is an index comprising Australian real estate investment trusts (A-REITs) with residential, office, retail, and industrial properties.


Some people would know Vanguard's VAP as an ETF that attempts to track the return of the S&P/ASX 300 A-REIT Index before fees, expenses and tax.


S&P/ASX 300 A-REIT Index. April 2000 - Present: S&P/ASX 300 A-REIT Index (Total Return), Source: S&P.June 1992 - March 2000: ASX 300 Listed Property Accumulation Index, Source: ASX January 1982 - May 1992: ASX All Ordinaries Listed Property Accum Index Returns in AUD Copyright 2024 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Do You Need a Rich Financial Adviser? Do You Need a Rich Financial Adviser? Mon, 28 Jul 2025 23:30:00 GMT 9:02 687f00b3f6d4262b074ac0c0 false https://www.mfg.com.au/blog/whats-the-risk-08-do-you-need-a-rich-financial-adviser/ 687f00b3f6d4262b074ac0c0 5fd2a90fb6157f0ede1e82b1 do-you-need-a-rich-financial-adviser A potential client wants to know how wealthy his future financial adviser is to prove their value. full 1 8 Watch episode on youtube: https://youtu.be/Zh15nkSw0Go


Published August 2024. In this episode of "What's the Risk?" we take a look at a common misconception that your financial adviser needs to be rich. It's a nice idea, but it's ultimately meaningless to your own wealth journey when they may be part of a team, and having someone younger who hasn't built a lot of wealth yet could be more beneficial to guide you in the decades to come.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/Zh15nkSw0Go


Published August 2024. In this episode of "What's the Risk?" we take a look at a common misconception that your financial adviser needs to be rich. It's a nice idea, but it's ultimately meaningless to your own wealth journey when they may be part of a team, and having someone younger who hasn't built a lot of wealth yet could be more beneficial to guide you in the decades to come.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Ausbond Bank Bill Index CASH? BILL? Ausbond Bank Bill Index CASH? BILL? Sun, 27 Jul 2025 23:30:00 GMT 10:32 687ef9b5fd9acfeba45be7ad false https://www.mfg.com.au/blog/whats-the-risk-07-cash-bloomberg-ausbond-bank-bill-index/ 687ef9b5fd9acfeba45be7ad 5fd2a90fb6157f0ede1e82b1 ausbond-bank-bill-index The long term history of the index that tracks cash returns in Australia full 1 7 Watch episode on youtube: https://youtu.be/WoRo4B0MiiE


Published July 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the Bloomberg Ausbond Bank Bill Index, which is often used as a proxy for cash returns in Australia.


ETFs that track similar short term bank bill indices are Betashares CASH and Blackrock's BILL, while the State Street Australian Cash Trust is a managed fund that tracks the index before expenses.


Bloomberg AusBond Bank Bill Index 1/1977 - 12/2023. April 2014 - Present: Bloomberg AusBond Bank Bill Index. October 1989 - March 2014: UBS Warburg 90 Day Bank Bill Index (then UBS Bank Bill Index) April 1987 - September 1989: Warburg Dillion Read 90 Day Bank Bill Index. January 1977 - March 1987: 90 Day Bank Bill Yields. Data provided by Bloomberg Finance L.P.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/WoRo4B0MiiE


Published July 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the Bloomberg Ausbond Bank Bill Index, which is often used as a proxy for cash returns in Australia.


ETFs that track similar short term bank bill indices are Betashares CASH and Blackrock's BILL, while the State Street Australian Cash Trust is a managed fund that tracks the index before expenses.


Bloomberg AusBond Bank Bill Index 1/1977 - 12/2023. April 2014 - Present: Bloomberg AusBond Bank Bill Index. October 1989 - March 2014: UBS Warburg 90 Day Bank Bill Index (then UBS Bank Bill Index) April 1987 - September 1989: Warburg Dillion Read 90 Day Bank Bill Index. January 1977 - March 1987: 90 Day Bank Bill Yields. Data provided by Bloomberg Finance L.P.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> <![CDATA[S&P 500 IVV? VOO? SPY?]]> Sat, 26 Jul 2025 23:30:00 GMT 10:17 687eee15a2391fe4322c3c98 false https://www.mfg.com.au/blog/whats-the-risk-06-sp-500/ 687eee15a2391fe4322c3c98 5fd2a90fb6157f0ede1e82b1 sp-500-performance full 1 6 Watch episode on youtube: https://youtu.be/LL5yBQMUVng


Published July 2024.In this episode of "What's the Risk?" we take a look at the historic performance of the S&P 500 Index going back to 1926.


Some people would know the ETFs that seek to track the performance of this index as Blackrock's IVV, Vanguard's VOO and State Street's SPY. It's a popular index with many investors around the world, but not everyone has long term picture of the data, and what goes into that double digit return over nearly 100 years.


S&P 500 Index 1/1926 - 12/2023. January 1990 - Present: S&P 500 Index. Total Returns in USD. Source: Standard & Poors Index Services Group. January 1926 - December 1989: S&P 500 Index Source: Ibbotson data courtesy of © Stocks, Bonds, Bills and Inflation Yearbook, Ibbotson Associates, Chicago (annually updated works by Roger C. Ibbotson and Rex A. Sinquefield). Copyright 2024 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/LL5yBQMUVng


Published July 2024.In this episode of "What's the Risk?" we take a look at the historic performance of the S&P 500 Index going back to 1926.


Some people would know the ETFs that seek to track the performance of this index as Blackrock's IVV, Vanguard's VOO and State Street's SPY. It's a popular index with many investors around the world, but not everyone has long term picture of the data, and what goes into that double digit return over nearly 100 years.


S&P 500 Index 1/1926 - 12/2023. January 1990 - Present: S&P 500 Index. Total Returns in USD. Source: Standard & Poors Index Services Group. January 1926 - December 1989: S&P 500 Index Source: Ibbotson data courtesy of © Stocks, Bonds, Bills and Inflation Yearbook, Ibbotson Associates, Chicago (annually updated works by Roger C. Ibbotson and Rex A. Sinquefield). Copyright 2024 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> MSCI World ex Australia Index (Hedged) VGAD? MSCI World ex Australia Index (Hedged) VGAD? Fri, 25 Jul 2025 23:30:00 GMT 11:49 687eead9498abee41690a322 false https://www.mfg.com.au/blog/whats-the-risk-05-hedging-vgad/ 687eead9498abee41690a322 5fd2a90fb6157f0ede1e82b1 msci-world-ex-australia-index-hedged full 1 5 Watch full video on youtube: https://youtu.be/XfKeFanBbhY


Published July 2024. In this episode of "What's the Risk?" we take a look at hedging via the historic performance of the MSCI World ex Australia Index (net div., Hedged to AUD) and we combined it in a 50/50 split with the unhedged version of the index.


Some people would know the combination of the ETFs that seek to track the performance of these indices as the VGAD and VAS, so it's an interesting look back to see the effect currency can have on investment returns.


We go back to the inception of the portfolio in 1988 to look at the ups and downs along the way. If you're looking for long term investment strategies using these indices may be of value to you.


MSCI World ex Australia Index (net div., hedged to AUD)January 1988 – 12/2023: MSCI World ex Australia Index (Hedged to AUD, net div.) Total Return, Net Dividends Hedged to AUD Country Code AA. Source: MSCI. MSCI data © MSCI 2024, all rights reserved.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch full video on youtube: https://youtu.be/XfKeFanBbhY


Published July 2024. In this episode of "What's the Risk?" we take a look at hedging via the historic performance of the MSCI World ex Australia Index (net div., Hedged to AUD) and we combined it in a 50/50 split with the unhedged version of the index.


Some people would know the combination of the ETFs that seek to track the performance of these indices as the VGAD and VAS, so it's an interesting look back to see the effect currency can have on investment returns.


We go back to the inception of the portfolio in 1988 to look at the ups and downs along the way. If you're looking for long term investment strategies using these indices may be of value to you.


MSCI World ex Australia Index (net div., hedged to AUD)January 1988 – 12/2023: MSCI World ex Australia Index (Hedged to AUD, net div.) Total Return, Net Dividends Hedged to AUD Country Code AA. Source: MSCI. MSCI data © MSCI 2024, all rights reserved.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> <![CDATA[Should I Manage A Family Member's Portfolio?]]> Thu, 24 Jul 2025 23:30:00 GMT 8:56 687edef7f6d4262b074542d0 false https://www.mfg.com.au/blog/whats-the-risk-04-managing-a-family-members-portfolio/ 687edef7f6d4262b074542d0 5fd2a90fb6157f0ede1e82b1 should-i-manage-a-family-members-portfolio A son-in-law thinks he could save his mother-in-law fees by taking over her portfolio, but should he even consider it? full 1 4 Watch episode on youtube: https://youtu.be/LteA_4NDBYU


Published July 2024. In this episode of "What's the Risk?" we look at a question from a concerned family member. A son-in-law has taken a look at his mother-in-law's portfolio and is shocked by the fees she's paying.


His mother-in-law isn't bothered, his wife doesn't care as long as the portfolio continues to cover her mother's needs, but the son-in-law has itchy fingers and thinks he could cut the fees and help out.


While this is a noble idea, it also presents several risks, but none of them financial. We look at the impact of fees on the portfolio, and then look at the potential issues if the son-in-law tries to take over.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/LteA_4NDBYU


Published July 2024. In this episode of "What's the Risk?" we look at a question from a concerned family member. A son-in-law has taken a look at his mother-in-law's portfolio and is shocked by the fees she's paying.


His mother-in-law isn't bothered, his wife doesn't care as long as the portfolio continues to cover her mother's needs, but the son-in-law has itchy fingers and thinks he could cut the fees and help out.


While this is a noble idea, it also presents several risks, but none of them financial. We look at the impact of fees on the portfolio, and then look at the potential issues if the son-in-law tries to take over.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> <![CDATA[MSCI World Index & ASX 300 the "VAS/VGS Split"]]> Wed, 23 Jul 2025 23:30:00 GMT 9:28 687edbe8fd9acfeba45705e7 false https://www.mfg.com.au/blog/whats-the-risk-03-vas-vgs-split/ 687edbe8fd9acfeba45705e7 5fd2a90fb6157f0ede1e82b1 msci-world-index-asx-300-the-vasvgs-split full 1 3 Watch episode on youtube: https://youtu.be/4CUPOFwJ1Ic



First published June 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the MSCI World ex Australia Index (net div., AUD) combined with the S&P/ASX 300 Index (Total Return).


Some people would know the combination of the ETFs that seeks to track the performance of these indices as the VAS/VGS split, so it's an interesting look back through the 80's, 90's and 2000's before Vanguard's ETF's were in existence.


So we go back to the inception of the portfolio in 1980 to look at the ups and downs along the way. If you're looking for long term investment strategies using these indices may be of value to you.


S&P/ASX 300 Index (Total Return) 1/1980 - 12/2023. April 2000 - Present: S&P/ASX 300 Index (Total Return), Source: S&P June 1992 - March 2000: ASX 300 Accumulation Index, Source: ASX January 1980 - May 1992: ASX All Ordinaries Accumulation Index, Source: ASX Returns in AUD Copyright 2024 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved.

MSCI World ex Australia Index (net div., AUD) 1/1975 - 12/2024. January 1975 - present: MSCI World ex Australia Index (net div.) Total Returns Net Dividends in AUD Source: MSCI. Country Code: AA MSCI data © MSCI 2024, all rights reserved.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> Watch episode on youtube: https://youtu.be/4CUPOFwJ1Ic



First published June 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the MSCI World ex Australia Index (net div., AUD) combined with the S&P/ASX 300 Index (Total Return).


Some people would know the combination of the ETFs that seeks to track the performance of these indices as the VAS/VGS split, so it's an interesting look back through the 80's, 90's and 2000's before Vanguard's ETF's were in existence.


So we go back to the inception of the portfolio in 1980 to look at the ups and downs along the way. If you're looking for long term investment strategies using these indices may be of value to you.


S&P/ASX 300 Index (Total Return) 1/1980 - 12/2023. April 2000 - Present: S&P/ASX 300 Index (Total Return), Source: S&P June 1992 - March 2000: ASX 300 Accumulation Index, Source: ASX January 1980 - May 1992: ASX All Ordinaries Accumulation Index, Source: ASX Returns in AUD Copyright 2024 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved.

MSCI World ex Australia Index (net div., AUD) 1/1975 - 12/2024. January 1975 - present: MSCI World ex Australia Index (net div.) Total Returns Net Dividends in AUD Source: MSCI. Country Code: AA MSCI data © MSCI 2024, all rights reserved.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> MSCI World ex Australia Index Performance VGS? MSCI World ex Australia Index Performance VGS? Tue, 22 Jul 2025 23:30:00 GMT 10:49 687ed2c6498abee4168c9620 false https://www.mfg.com.au/blog/whats-the-risk-02-msci-world-ex-australia-index/ 687ed2c6498abee4168c9620 5fd2a90fb6157f0ede1e82b1 msci-world-ex-australia-index-performance full 1 2 MSCI World ex Australia Index Performance | What's the Risk? 02


View this episode on youtube: https://youtu.be/Oq56sC1b87Y


Published June 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the MSCI World ex Australia Index (net div., AUD). Some people would know the ETF that seeks to track the performance of this index as Vanguard's VGS ETF, so we go back to the inception of the index in 1975 to look at the ups and downs along the way. If you're looking for long term investment strategies using the MSCI World ex Australia Index might be of value to you.


MSCI World ex Australia Index (net div., AUD) 1/1975 - 12/2024. January 1975 - present: MSCI World ex Australia Index (net div.) Total Returns Net Dividends in AUD Source: MSCI. Country Code: AA MSCI data © MSCI 2024, all rights reserved. 


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

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]]> MSCI World ex Australia Index Performance | What's the Risk? 02


View this episode on youtube: https://youtu.be/Oq56sC1b87Y


Published June 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the MSCI World ex Australia Index (net div., AUD). Some people would know the ETF that seeks to track the performance of this index as Vanguard's VGS ETF, so we go back to the inception of the index in 1975 to look at the ups and downs along the way. If you're looking for long term investment strategies using the MSCI World ex Australia Index might be of value to you.


MSCI World ex Australia Index (net div., AUD) 1/1975 - 12/2024. January 1975 - present: MSCI World ex Australia Index (net div.) Total Returns Net Dividends in AUD Source: MSCI. Country Code: AA MSCI data © MSCI 2024, all rights reserved. 


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

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]]> <![CDATA[S&P/ASX 300 Index Performance VAS?]]> Mon, 21 Jul 2025 23:39:29 GMT 13:21 687ecfb10de40e9a7c4be556 false https://www.mfg.com.au/blog/whats-the-risk-01-sp-asx-300-total-return/ 687ecfb10de40e9a7c4be556 5fd2a90fb6157f0ede1e82b1 spasx-300-index-performance full 1 1 View this episode on youtube: https://youtu.be/e5F8eI88Biw 


June 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the S&P/ASX 300 (Total Return) Index. Some people would know the ETF that seeks to track the performance of this index as Vanguard's VAS, so we go back to the inception of the index in 1980 to look at the ups and downs along the way. If you're looking for long term investment strategies using the ASX 300 might be of value to you.


S&P/ASX 300 Index (Total Return) 1/1980 - 12/2023. April 2000 - Present: S&P/ASX 300 Index (Total Return), Source: S&P June 1992 - March 2000: ASX 300 Accumulation Index, Source: ASX January 1980 - May 1992: ASX All Ordinaries Accumulation Index, Source: ASX Returns in AUD Copyright 2024 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

Hosted on Acast. See acast.com/privacy for more information.

]]> View this episode on youtube: https://youtu.be/e5F8eI88Biw 


June 2024. In this episode of "What's the Risk?" we take a look at the historic performance of the S&P/ASX 300 (Total Return) Index. Some people would know the ETF that seeks to track the performance of this index as Vanguard's VAS, so we go back to the inception of the index in 1980 to look at the ups and downs along the way. If you're looking for long term investment strategies using the ASX 300 might be of value to you.


S&P/ASX 300 Index (Total Return) 1/1980 - 12/2023. April 2000 - Present: S&P/ASX 300 Index (Total Return), Source: S&P June 1992 - March 2000: ASX 300 Accumulation Index, Source: ASX January 1980 - May 1992: ASX All Ordinaries Accumulation Index, Source: ASX Returns in AUD Copyright 2024 S&P Dow Jones Indices LLC, a division of S&P Global. All rights reserved.


Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/


www.mfg.com.au


Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253.

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]]> <![CDATA[What's The Risk Intro]]> Mon, 16 Dec 2024 23:12:07 GMT 0:17 6760b3c864b31a6479ac4aa0 false https://shows.acast.com/why-advice/episodes/whats-the-risk-intro 6760b3c864b31a6479ac4aa0 5fd2a90fb6157f0ede1e82b1 whats-the-risk-intro Introduction full 1 http://www.youtube.com/@mancellfinancial

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]]> http://www.youtube.com/@mancellfinancial

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]]> Defining Adviser Alpha Defining Adviser Alpha Fri, 27 Oct 2023 05:26:43 GMT 8:08 653b4a12ab9fa20012b1d70b false https://www.mfg.com.au/ 653b4a12ab9fa20012b1d70b 5fd2a90fb6157f0ede1e82b1 defining-adviser-alpha The financial industry has long been attempting to get to the bottom of what alpha is within financial advice. full 4 5 The financial industry has long been attempting to get to the bottom of what alpha is within financial advice. Someone pays a financial adviser X amount, does that person derive more in value from that advice than they pay out?


Fund manager Vanguard has tried to quantify this value for years with an ongoing report called ‘Adviser Alpha’. Their most recent report had defined three areas of value. They say these three areas can combine to add 3% to someone’s bottom line.

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]]> The financial industry has long been attempting to get to the bottom of what alpha is within financial advice. Someone pays a financial adviser X amount, does that person derive more in value from that advice than they pay out?


Fund manager Vanguard has tried to quantify this value for years with an ongoing report called ‘Adviser Alpha’. Their most recent report had defined three areas of value. They say these three areas can combine to add 3% to someone’s bottom line.

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]]> Nobody Knows Anything Nobody Knows Anything Fri, 20 Oct 2023 04:10:42 GMT 7:06 6531fdc3e4464f00120e0f6d false https://www.mfg.com.au/ 6531fdc3e4464f00120e0f6d 5fd2a90fb6157f0ede1e82b1 nobody-knows-anything William Goldman was a noted Hollywood screenwriter, but he was also famous for a term very relevant to investing full 4 4 As one of Hollywood’s most successful screenwriters, William Goldman won two Academy Awards and had over twenty of his screenplays made into movies.


However, arguably his most famous line isn’t from one of his movies. It was from a book he wrote on the movie business called Adventures in the Screen Trade, and it’s an assessment of the business itself.

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]]> As one of Hollywood’s most successful screenwriters, William Goldman won two Academy Awards and had over twenty of his screenplays made into movies.


However, arguably his most famous line isn’t from one of his movies. It was from a book he wrote on the movie business called Adventures in the Screen Trade, and it’s an assessment of the business itself.

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]]> Inside a Positive Retirement Inside a Positive Retirement Wed, 04 Oct 2023 05:54:52 GMT 8:16 651cfe2c2f015a0011774097 false https://www.mfg.com.au/ 651cfe2c2f015a0011774097 5fd2a90fb6157f0ede1e82b1 inside-a-positive-retirement Host of Inside The Actors Studio, James Lipton showed how we can age with purpose. An important thing for every retiree. full 4 3 James Lipton was 93 when he passed away in 2020.


Two years earlier he'd finished working on the thing he was best known for: Inside the Actors Studio.


Remarkably, it didn't begin until he was 67.

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]]> James Lipton was 93 when he passed away in 2020.


Two years earlier he'd finished working on the thing he was best known for: Inside the Actors Studio.


Remarkably, it didn't begin until he was 67.

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]]> Disney Shows Nostalgia No Way to Invest Disney Shows Nostalgia No Way to Invest Thu, 28 Sep 2023 06:41:06 GMT 9:38 651520023d898a0011aa47af false https://www.mfg.com.au/ 651520023d898a0011aa47af 5fd2a90fb6157f0ede1e82b1 disney-shows-nostalgia-no-way-to-invest When thinking about nostalgia, you’d be hard pressed to find a company that evokes nostalgia more than Disney, and nostalgia sucks many an investor in. full 4 2 When thinking about nostalgia, you’d be hard pressed to find a company that evokes nostalgia more than Disney. For almost 100 years Disney has been entertaining people around the world with family friendly entertainment that’s linked generations. Maybe you’ve enjoyed their movies, had a favourite Disney character, owned any of their memorabilia, had the fortune to visit one of their theme parks as a child (or even as an adult), or just have an interest in their storied history. Many people feel a connection with Disney as it evokes warm memories for them.


But lately Disney hasn't been a great investment.

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]]> When thinking about nostalgia, you’d be hard pressed to find a company that evokes nostalgia more than Disney. For almost 100 years Disney has been entertaining people around the world with family friendly entertainment that’s linked generations. Maybe you’ve enjoyed their movies, had a favourite Disney character, owned any of their memorabilia, had the fortune to visit one of their theme parks as a child (or even as an adult), or just have an interest in their storied history. Many people feel a connection with Disney as it evokes warm memories for them.


But lately Disney hasn't been a great investment.

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]]> Quarterback Money Blues Quarterback Money Blues Tue, 05 Sep 2023 03:57:51 GMT 10:52 64f6a73fb07e7f0011644a39 false https://www.mfg.com.au/ 64f6a73fb07e7f0011644a39 5fd2a90fb6157f0ede1e82b1 quarterback-money-blues full 4 1

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]]>

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]]> Your Investment Philosophy Reviewed on Rational Reminder Podcast Your Investment Philosophy Reviewed on Rational Reminder Podcast Tue, 11 Oct 2022 01:00:19 GMT 1:56 6344c02410bd3400124bce1d false https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters/dp/B0BCCYSN6L 6344c02410bd3400124bce1d 5fd2a90fb6157f0ede1e82b1 your-investment-philosophy-reviewed-on-rational-reminder-pod Your Investment Philosophy Book Review trailer Grab a copy of Your Investment Philosophy at your local Amazon, or if you're in Australia at this Amazon link:


https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters/dp/B0BCCYSN6L

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]]> Grab a copy of Your Investment Philosophy at your local Amazon, or if you're in Australia at this Amazon link:


https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters/dp/B0BCCYSN6L

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]]> Your Investment Philosophy Book Excerpt Your Investment Philosophy Book Excerpt Wed, 07 Sep 2022 07:06:54 GMT 8:48 6318430f5b75b4001304403b false https://www.amazon.com.au/gp/product/B0BCCYSN6L/ 6318430f5b75b4001304403b 5fd2a90fb6157f0ede1e82b1 your-investment-philosophy-book-excerpt full 3 7 Your Investment Philosophy: A Guide to Managing Wealth & Protecting it from Fraudsters, Marketers & Doom Merchants


What are your investment beliefs?


It’s a simple question, but one many investors can’t answer.


Are you one of those investors?


Your Investment Philosophy will change that. Five simple principles help you cut through the media hype, folk tales, and industry marketing that have dominated the minds of investors for too long.


You can approach investing with confidence, understand what’s possible, be able to refute nonsense, and know the risks worth taking. There are no secrets, every investor just needs a rational set of beliefs that can guide them in the good times and the bad.


Your Investment Philosophy offers this to every investor.


Deliberately short, and easy to read, in as little as two hours this book will lift the fog and offer much needed clarity so you can enjoy a successful investment experience.

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]]> Your Investment Philosophy: A Guide to Managing Wealth & Protecting it from Fraudsters, Marketers & Doom Merchants


What are your investment beliefs?


It’s a simple question, but one many investors can’t answer.


Are you one of those investors?


Your Investment Philosophy will change that. Five simple principles help you cut through the media hype, folk tales, and industry marketing that have dominated the minds of investors for too long.


You can approach investing with confidence, understand what’s possible, be able to refute nonsense, and know the risks worth taking. There are no secrets, every investor just needs a rational set of beliefs that can guide them in the good times and the bad.


Your Investment Philosophy offers this to every investor.


Deliberately short, and easy to read, in as little as two hours this book will lift the fog and offer much needed clarity so you can enjoy a successful investment experience.

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]]> Evolving From Perfection to Success Evolving From Perfection to Success Tue, 23 Aug 2022 06:00:00 GMT 8:55 63041b4cdd670c00142a0d6d false https://www.mfg.com.au/ 63041b4cdd670c00142a0d6d 5fd2a90fb6157f0ede1e82b1 evolving-from-perfection-to-success full 3 6

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]]>

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]]> The Cynicism Handicap The Cynicism Handicap Fri, 19 Aug 2022 00:05:52 GMT 7:32 630419e5177434001384cc5a false https://www.mfg.com.au/ 630419e5177434001384cc5a 5fd2a90fb6157f0ede1e82b1 the-cynicism-handicap full 3 5

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]]>

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]]> <![CDATA[The Rich & The Lure of Alternatives]]> Tue, 09 Aug 2022 00:36:38 GMT 10:08 62f1ac17b11766001231a88f false https://www.mfg.com.au/blog/the-rich-the-lure-of-alternatives/ 62f1ac17b11766001231a88f 5fd2a90fb6157f0ede1e82b1 the-rich-the-lure-of-alternatives Alternative investments can make us feel special and sophisticated, but are they worth your time and money? full 3 4

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]]>

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]]> Wade Vs. Plunge Wade Vs. Plunge Thu, 04 Aug 2022 07:00:11 GMT 9:59 62eb6e7b09e0f900136cd9e5 false https://www.mfg.com.au/blog/wade-vs-plunge/ 62eb6e7b09e0f900136cd9e5 5fd2a90fb6157f0ede1e82b1 wade-vs-plunge Should you lump sum invest or dollar cost average? We look at the results over a 30 year period and some other considerations. full 3 3 The eternal investment question – “do I invest my money all at once or do I invest smaller amounts at predetermined intervals?” Otherwise known as lump sum investing vs. dollar cost averaging, or as our US colleague Jeff Troutner once termed it: wading vs. plunging.


For full breakdown of portfolio constructions used, please visit here

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]]> The eternal investment question – “do I invest my money all at once or do I invest smaller amounts at predetermined intervals?” Otherwise known as lump sum investing vs. dollar cost averaging, or as our US colleague Jeff Troutner once termed it: wading vs. plunging.


For full breakdown of portfolio constructions used, please visit here

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]]> Horrific Burns from Celsius Horrific Burns from Celsius Sat, 30 Jul 2022 00:30:48 GMT 10:59 62e349768a6e58001414b256 false https://www.mfg.com.au/ 62e349768a6e58001414b256 5fd2a90fb6157f0ede1e82b1 horrific-burns-from-celsius People take big leaps of faith in all areas of life. As the Celsius crypto bankruptcy shows, taking leaps of faith with your money can have terrible consequences. full 3 2 People take big leaps of faith in all areas of life. As the Celsius crypto bankruptcy shows, taking leaps of faith with your money can have terrible consequences.


Why do people keep putting their money in assets or on platforms that have multiple red flags?

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]]> People take big leaps of faith in all areas of life. As the Celsius crypto bankruptcy shows, taking leaps of faith with your money can have terrible consequences.


Why do people keep putting their money in assets or on platforms that have multiple red flags?

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]]> Retire on the Pension with $88k? Retire on the Pension with $88k? Fri, 29 Jul 2022 02:12:55 GMT 8:42 62e34227603ffc00136fdde5 false https://www.mfg.com.au/ 62e34227603ffc00136fdde5 5fd2a90fb6157f0ede1e82b1 retire-on-the-pension-with-88k Can you retire on the pension with an $88k lump sum? On the spreadsheet, sure, but lets look at various challenges retirees face full 3 1 Can you retire on the pension with an $88k lump sum? On the spreadsheet, sure, but lets look at various challenges retirees face.

Housing maintenance.

Restlessness.

Health & Mobility.

Women's super small balances.

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]]> Can you retire on the pension with an $88k lump sum? On the spreadsheet, sure, but lets look at various challenges retirees face.

Housing maintenance.

Restlessness.

Health & Mobility.

Women's super small balances.

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]]> <![CDATA[Investing & New Challenges]]> Sat, 18 Jun 2022 00:44:23 GMT 9:17 62abf8a46f64790017b9dadd false https://www.mfg.com.au/ 62abf8a46f64790017b9dadd 5fd2a90fb6157f0ede1e82b1 investing-new-challenges Inflation and rate rises have many people concerned, here are some things to consider. full 2 20

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]]>

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]]> The Most Dangerous Word In Finance The Most Dangerous Word In Finance Fri, 10 Jun 2022 01:26:24 GMT 8:12 62abd8476f64790017b95e89 false https://www.mfg.com.au/ 62abd8476f64790017b95e89 5fd2a90fb6157f0ede1e82b1 the-most-dangerous-word-in-finance Many investors place too much faith in the word safe full 2 19

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]]>

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]]> Act As If with Aged Care Act As If with Aged Care Sat, 28 May 2022 02:22:28 GMT 8:06 62905217889cc00014e7e483 false https://www.mfg.com.au/ 62905217889cc00014e7e483 5fd2a90fb6157f0ede1e82b1 act-as-if-with-aged-care The aged care system is quite complex, it pays to be aware of any potential headaches before transferring assets with otherwise good intentions full 2 18

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]]>

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]]> Decisions in the Aftermath of Divorce Decisions in the Aftermath of Divorce Fri, 20 May 2022 04:11:44 GMT 7:57 629042eae2b4380012f43c16 false https://www.mfg.com.au/ 629042eae2b4380012f43c16 5fd2a90fb6157f0ede1e82b1 decisions-in-the-aftermath-of-divorce full 2 17

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]]>

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]]> Questions to Lift the Fog Questions to Lift the Fog Thu, 05 May 2022 23:41:52 GMT 9:23 627460c05591930013774a19 false https://www.mfg.com.au/ 627460c05591930013774a19 5fd2a90fb6157f0ede1e82b1 questions-to-lift-the-fog Do you need financial advice or can you do it yourself? Some simple questions can lift the fog. full 2 16

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]]>

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]]> Finfluencing Poses Age-Old Product Problem Finfluencing Poses Age-Old Product Problem Thu, 05 May 2022 01:14:44 GMT 9:10 6273250380440c0012ec49f6 false https://www.mfg.com.au/ 6273250380440c0012ec49f6 5fd2a90fb6157f0ede1e82b1 finfluencing-poses-age-old-product-problem ASIC has cracked down on finfluencers, and while finfluencers have complained, they were too product focused. full 2 15

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]]>

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]]> <![CDATA[Gambling, Speculating & Investing]]> Fri, 29 Apr 2022 01:45:10 GMT 10:01 626b4326d559510012d14235 false https://www.mfg.com.au/ 626b4326d559510012d14235 5fd2a90fb6157f0ede1e82b1 gambling-speculating-investing full 2 14 Walter Matthau was known as a massive sports gambler, were he alive today, you’d wonder whether he’d still be dedicating his time gambling on horses and sports teams given today's obsession with cryptocurrencies and terrible stocks.


There has always been a debate about the overlap between gambling and investing. Investing has often been linked with gambling, usually unfairly by people who take a cursory glance and don’t understand the actual intermediary of investing and gambling is speculation.

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]]> Walter Matthau was known as a massive sports gambler, were he alive today, you’d wonder whether he’d still be dedicating his time gambling on horses and sports teams given today's obsession with cryptocurrencies and terrible stocks.


There has always been a debate about the overlap between gambling and investing. Investing has often been linked with gambling, usually unfairly by people who take a cursory glance and don’t understand the actual intermediary of investing and gambling is speculation.

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]]> <![CDATA[Greenlights & Redlights]]> Fri, 22 Apr 2022 04:04:14 GMT 10:35 6262293eff50dd001421b2b1 false https://www.mfg.com.au/ 6262293eff50dd001421b2b1 5fd2a90fb6157f0ede1e82b1 greenlights-redlights full 2 13

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]]>

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]]> The Cheat Codes To Successful Investing The Cheat Codes To Successful Investing Wed, 06 Apr 2022 06:24:02 GMT 6:07 624d3203bd68b30013af0003 false https://www.mfg.com.au/ 624d3203bd68b30013af0003 5fd2a90fb6157f0ede1e82b1 the-cheat-codes-to-successful-investing Why is everyone looking for a cheat code for the ASX Sharemarket Game? full 2 12

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]]>

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]]> Heirlooms - The Emotions Surrounding Inherited Investments Heirlooms - The Emotions Surrounding Inherited Investments Thu, 31 Mar 2022 23:51:35 GMT 7:45 62463e871026250014519cd0 false https://www.mfg.com.au/ 62463e871026250014519cd0 5fd2a90fb6157f0ede1e82b1 heirlooms-the-emotions-surrounding-inherited-investments How to Deal with a big Investment Winner Inherited From Relatives full 2 11

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]]>

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]]> The Lies of Melissa Caddick The Lies of Melissa Caddick Tue, 29 Mar 2022 05:57:17 GMT 9:31 62429fbd1bfb4100126e9b3a false https://www.mfg.com.au/ 62429fbd1bfb4100126e9b3a 5fd2a90fb6157f0ede1e82b1 the-lies-of-melissa-caddick How to avoid a ponzi scheme or fraud? full 2 10

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]]>

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]]> Insights From Your Fellow Investors Insights From Your Fellow Investors Fri, 25 Mar 2022 01:43:16 GMT 8:51 623d1e34d984310012336b0d false https://www.mfg.com.au/ 623d1e34d984310012336b0d 5fd2a90fb6157f0ede1e82b1 insights-from-your-fellow-investors full 2 9 Why do some investors react, and others don’t? Can investors overcome it and become either disinterested or resilient? It can depend on a variety of factors. Who you are, your background, your education, your profession, or your outlook on life. Mix these factors in with whatever is confronting a person at a particular moment, and it may prompt a particular outcome.


But we asked some clients, who’ve traditionally been calm, how they handle volatility. It’s not that complicated. Here’s what they told us:

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]]> Why do some investors react, and others don’t? Can investors overcome it and become either disinterested or resilient? It can depend on a variety of factors. Who you are, your background, your education, your profession, or your outlook on life. Mix these factors in with whatever is confronting a person at a particular moment, and it may prompt a particular outcome.


But we asked some clients, who’ve traditionally been calm, how they handle volatility. It’s not that complicated. Here’s what they told us:

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]]> <![CDATA[Content, Conflict & Russia]]> Thu, 24 Feb 2022 06:19:33 GMT 8:52 62172375b9cccf00157fcfc9 false https://www.mfg.com.au/ 62172375b9cccf00157fcfc9 5fd2a90fb6157f0ede1e82b1 content-conflict-russia There has never been more information available, but the downside is it has never been harder to sort? With Russia declaring war on Ukraine, and the most negative outcomes emphasized, what should investors do? full 2 8 There has never been more information available, but the downside is it has never been harder to sort? With Russia declaring war on Ukraine, and the most negative outcomes emphasized, what should investors do?


Investing is navigating your emotions through history as it’s being written. Consuming endless streams of speculation, potential worst-case scenarios, and toxic waste, otherwise known as content, is unlikely to take our emotions to a good place.

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]]> There has never been more information available, but the downside is it has never been harder to sort? With Russia declaring war on Ukraine, and the most negative outcomes emphasized, what should investors do?


Investing is navigating your emotions through history as it’s being written. Consuming endless streams of speculation, potential worst-case scenarios, and toxic waste, otherwise known as content, is unlikely to take our emotions to a good place.

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]]> Concentrated Employee Stock Positions Concentrated Employee Stock Positions Thu, 17 Feb 2022 02:07:52 GMT 9:07 6216e87d59e1d200122a6f3e false https://www.mfg.com.au/ 6216e87d59e1d200122a6f3e 5fd2a90fb6157f0ede1e82b1 concentrated-employee-stock-positions Tech employees are well compensated with company stock, while it can be a lotto win, it can be a planning issue requiring rules to manage risk. full 2 7

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]]>

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]]> <![CDATA[Using & Abusing Warren Buffett Quotes]]> Wed, 16 Feb 2022 00:27:43 GMT 6:33 620c4500de09d30014c7eff6 false https://www.mfg.com.au/ 620c4500de09d30014c7eff6 5fd2a90fb6157f0ede1e82b1 using-abusing-warren-buffett-quotes full 2 6 Heard of Warren Buffett? You probably have and you've probably heard of his quotes. Investors have a habit of applying Warren Buffett's quotes to the wrong scenarios to cover up their mistakes.


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]]> Heard of Warren Buffett? You probably have and you've probably heard of his quotes. Investors have a habit of applying Warren Buffett's quotes to the wrong scenarios to cover up their mistakes.


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]]> The Greys of Ethical Awareness The Greys of Ethical Awareness Fri, 11 Feb 2022 01:15:56 GMT 12:15 6205b8cdaa40dd00133b310a false https://www.mfg.com.au/ 6205b8cdaa40dd00133b310a 5fd2a90fb6157f0ede1e82b1 the-greys-of-ethical-awareness ESG investing is booming and fund managers are keen to cash in, but for investors it poses many questions full 2 5

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]]>

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]]> The Historic Market Crash The Historic Market Crash Thu, 03 Feb 2022 06:15:20 GMT 11:06 61fb72f86b5e140014e98aa6 false https://www.mfg.com.au/ 61fb72f86b5e140014e98aa6 5fd2a90fb6157f0ede1e82b1 the-historic-market-crash Consider how the media treats fanatics forecasting the end of the world and investment gurus forecasting a market crash full 2 4

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]]>

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]]> A Green Space Recharge A Green Space Recharge Fri, 28 Jan 2022 05:22:06 GMT 7:38 61fb6685f0fac30011fc28bd false https://shows.acast.com/why-advice/episodes/a-green-space-recharg 61fb6685f0fac30011fc28bd 5fd2a90fb6157f0ede1e82b1 a-green-space-recharg full 2 3 People are limiting their movements. At most, venturing out during low trafficked hours to visit the supermarket. If someone isn’t getting out it’s worth being aware of how one might find an environment which contributes to better health and wellbeing.


Links


Social isolation during COVID-19 lockdown impairs cognitive function: https://onlinelibrary.wiley.com/doi/pdfdirect/10.1002/acp.3821

View through a Window May Influence Recovery from Surgery: https://www.researchgate.net/publication/17043718_View_Through_a_Window_May_Influence_Recovery_from_Surgery

Residential greenspace is associated with mental health via intertwined capacity-building and capacity-restoring pathways: https://www.sciencedirect.com/science/article/abs/pii/S0013935119305055

Neighborhood greenspace and health in a large urban center: https://www.nature.com/articles/srep11610

The benefits of nature experience: Improved affect and cognition: https://www.sciencedirect.com/science/article/abs/pii/S0169204615000286

Autonomic Nervous System Responses to Viewing Green and Built Settings: Differentiating Between Sympathetic and Parasympathetic Activity: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4690962/

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]]> People are limiting their movements. At most, venturing out during low trafficked hours to visit the supermarket. If someone isn’t getting out it’s worth being aware of how one might find an environment which contributes to better health and wellbeing.


Links


Social isolation during COVID-19 lockdown impairs cognitive function: https://onlinelibrary.wiley.com/doi/pdfdirect/10.1002/acp.3821

View through a Window May Influence Recovery from Surgery: https://www.researchgate.net/publication/17043718_View_Through_a_Window_May_Influence_Recovery_from_Surgery

Residential greenspace is associated with mental health via intertwined capacity-building and capacity-restoring pathways: https://www.sciencedirect.com/science/article/abs/pii/S0013935119305055

Neighborhood greenspace and health in a large urban center: https://www.nature.com/articles/srep11610

The benefits of nature experience: Improved affect and cognition: https://www.sciencedirect.com/science/article/abs/pii/S0169204615000286

Autonomic Nervous System Responses to Viewing Green and Built Settings: Differentiating Between Sympathetic and Parasympathetic Activity: https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4690962/

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]]> <![CDATA[Stories & Evidence]]> Wed, 19 Jan 2022 04:04:08 GMT 11:16 61e78db9a1a70100142727d8 false https://www.mfg.com.au/ 61e78db9a1a70100142727d8 5fd2a90fb6157f0ede1e82b1 stories-evidence What can investors learn from the stories of Lance Armstrong and Team Sky? full 2 2 Quick success in cycling inevitably brings skepticism, the best way to overcome skepticism is a good story.

Lance Armstrong and Team Sky had great stories behind them, but when the evidence came out, well it was a very different story than the ones we'd been told.

Investors can learn a lot from these two stories.


Links


The Science of Lance Armstrong

Remarkable drugs report shatters Team Sky’s illusion of integrity

Inside Team Sky - David Walsh

House of Commons Digital, Culture, Media and Sport Committee Combatting doping in sport

Commentary: The simplest explanation for Froome’s salbutamol test

British Cycling and Team Sky kept Viagra for riders’ ‘nerve issues’

Freeman now claims he destroyed the testosterone gels in tribunal

Freeman says he destroyed laptop with screwdriver as tribunal resumes

DAVID WALSH: DAVE BRAILSFORD WAS DISHONEST WITH ME

Atomic Habits: British Cycling Update

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]]> Quick success in cycling inevitably brings skepticism, the best way to overcome skepticism is a good story.

Lance Armstrong and Team Sky had great stories behind them, but when the evidence came out, well it was a very different story than the ones we'd been told.

Investors can learn a lot from these two stories.


Links


The Science of Lance Armstrong

Remarkable drugs report shatters Team Sky’s illusion of integrity

Inside Team Sky - David Walsh

House of Commons Digital, Culture, Media and Sport Committee Combatting doping in sport

Commentary: The simplest explanation for Froome’s salbutamol test

British Cycling and Team Sky kept Viagra for riders’ ‘nerve issues’

Freeman now claims he destroyed the testosterone gels in tribunal

Freeman says he destroyed laptop with screwdriver as tribunal resumes

DAVID WALSH: DAVE BRAILSFORD WAS DISHONEST WITH ME

Atomic Habits: British Cycling Update

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]]> Magellan Challenges Active Adviser Beliefs Magellan Challenges Active Adviser Beliefs Wed, 12 Jan 2022 00:05:29 GMT 9:33 61de1b4735501c0012ccda64 false https://www.mfg.com.au/ 61de1b4735501c0012ccda64 5fd2a90fb6157f0ede1e82b1 magellan-challenges-active-adviser-beliefs full 2 1 One of Australia's best known fund managers Hamish Douglass of Magellan is having a torrid time at the moment, it would be easy to pile on, but we're looking at it from a different angle.


Underperformance is an uncomfortable topic and switching managers raises many questions for financial advisers and their clients.


Links


S&P Index vs Active

The Cost of Parental Bereavement & Mutual Fund Managers

Limited Attention, Marital Events & Hedge Funds

Day of reckoning for Magellan’s Hamish Douglass

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]]> One of Australia's best known fund managers Hamish Douglass of Magellan is having a torrid time at the moment, it would be easy to pile on, but we're looking at it from a different angle.


Underperformance is an uncomfortable topic and switching managers raises many questions for financial advisers and their clients.


Links


S&P Index vs Active

The Cost of Parental Bereavement & Mutual Fund Managers

Limited Attention, Marital Events & Hedge Funds

Day of reckoning for Magellan’s Hamish Douglass

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]]> Why Advice #6 Personal Insurance Why Advice #6 Personal Insurance Fri, 26 Feb 2021 02:14:01 GMT 39:32 6038596ab397ee1e7e4228e6 false https://www.mfg.com.au/ 6038596ab397ee1e7e4228e6 5fd2a90fb6157f0ede1e82b1 why-advice-6-personal-insurance Peter Mancell discusses personal insurance full 1 6 Why does someone need personal insurance?


Daniel is joined by Peter Mancell, founder of Mancell Financial Group and Peter has advised clients on insurance for 41 years. Coincidentally, this podcast coincides with the first policy he ever wrote. If you want to get a better understanding of personal insurance, this is an important listen. 


The pair discuss:


  • The types of insurance and how they are assessed when advising clients.
  • Sourcing your insurance through an adviser vs a TV commercial.
  • The benefits of making a claim through an adviser who can go into bat for you.
  • The benefits of coverage in superannuation
  • The process of making a claim.
  • Lawyers charging large sums to make claims on behalf of clients.
  • Some stories of claims Peter has seen over the years.
  • When don't you need insurance?

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]]> Why does someone need personal insurance?


Daniel is joined by Peter Mancell, founder of Mancell Financial Group and Peter has advised clients on insurance for 41 years. Coincidentally, this podcast coincides with the first policy he ever wrote. If you want to get a better understanding of personal insurance, this is an important listen. 


The pair discuss:


  • The types of insurance and how they are assessed when advising clients.
  • Sourcing your insurance through an adviser vs a TV commercial.
  • The benefits of making a claim through an adviser who can go into bat for you.
  • The benefits of coverage in superannuation
  • The process of making a claim.
  • Lawyers charging large sums to make claims on behalf of clients.
  • Some stories of claims Peter has seen over the years.
  • When don't you need insurance?

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]]> Why Advice #5 What is an AFSL? Why Advice #5 What is an AFSL? Fri, 05 Feb 2021 04:31:34 GMT 30:50 601cca26e5adaf699ad83bfc false https://www.mfg.com.au/ 601cca26e5adaf699ad83bfc 5fd2a90fb6157f0ede1e82b1 why-advice-5-what-is-an-afsl FYG Planners General Manager Andrew Wootton talks AFSLs full 1 5 What is an AFSL? What is a financial advice dealer group? To offer advice on a financial product in Australia you require an AFSL. In the financial advice space, some advisers have their own AFSL, while the majority are authorised by a broader group who holds a license, often known as a financial advice dealer group. The dealer group provides various services the adviser would rather outsource and operates compliance oversight for the advisers licensed to the group.


Daniel is joined by Andrew Wootton, General Manager of FYG Planners, a financial advice dealer group with advisers across every state in Australia.


The pair discuss:

What an AFSL is along with its obligations.

The services a financial planning dealer group offers to advisers and the community.

How the banks damaged the financial advice industry.

How advice can become more affordable.

The professional indemnity insurance issues in Australia.

Security services FYG is developing to help protect clients.

What changes the regulators should make going forward.

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]]> What is an AFSL? What is a financial advice dealer group? To offer advice on a financial product in Australia you require an AFSL. In the financial advice space, some advisers have their own AFSL, while the majority are authorised by a broader group who holds a license, often known as a financial advice dealer group. The dealer group provides various services the adviser would rather outsource and operates compliance oversight for the advisers licensed to the group.


Daniel is joined by Andrew Wootton, General Manager of FYG Planners, a financial advice dealer group with advisers across every state in Australia.


The pair discuss:

What an AFSL is along with its obligations.

The services a financial planning dealer group offers to advisers and the community.

How the banks damaged the financial advice industry.

How advice can become more affordable.

The professional indemnity insurance issues in Australia.

Security services FYG is developing to help protect clients.

What changes the regulators should make going forward.

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]]> Why Advice #4 What is Your Investment Philosophy? Why Advice #4 What is Your Investment Philosophy? Wed, 13 Jan 2021 02:51:51 GMT 45:00 5ffe599f059d1445b69c88d7 false https://www.mfg.com.au/ 5ffe599f059d1445b69c88d7 5fd2a90fb6157f0ede1e82b1 why-advice-4-what-is-your-investment-philosophy The Importance of an Investment Philosophy full 1 4 The most important thing about an investment philosophy is that you have one - David Booth


So what is an investment philosophy and why do you need one? Daniel is joined by Peter Mancell, the founder of Mancell Financial Group and Managing Director of AFSL FYG Planners, the pair discuss the importance of having an investment philosophy, the importance of your financial adviser having a clear investment philosophy and the importance of using an evidence based investment philosophy.


They discuss:

The importance of having an investment philosophy.

What Peter sees as the three different types of investment philosophies.

The ways advisory businesses would try to construct portfolios before switching to an evidence based philosophy.

Why an evidence based investment philosophy is important it is for business efficiency,

Why an evidence based investment philosophy is valuable for educating clients on what is and isn't possible.

And finally, David Booth's art collection!

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]]> The most important thing about an investment philosophy is that you have one - David Booth


So what is an investment philosophy and why do you need one? Daniel is joined by Peter Mancell, the founder of Mancell Financial Group and Managing Director of AFSL FYG Planners, the pair discuss the importance of having an investment philosophy, the importance of your financial adviser having a clear investment philosophy and the importance of using an evidence based investment philosophy.


They discuss:

The importance of having an investment philosophy.

What Peter sees as the three different types of investment philosophies.

The ways advisory businesses would try to construct portfolios before switching to an evidence based philosophy.

Why an evidence based investment philosophy is important it is for business efficiency,

Why an evidence based investment philosophy is valuable for educating clients on what is and isn't possible.

And finally, David Booth's art collection!

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]]> Why Advice #3 Protecting Yourself From Fraud (Melissa Caddick) Why Advice #3 Protecting Yourself From Fraud (Melissa Caddick) Thu, 17 Dec 2020 03:49:43 GMT 43:12 5fdad55846923745ecbbbc35 false https://www.mfg.com.au/ 5fdad55846923745ecbbbc35 5fd2a90fb6157f0ede1e82b1 why-advice-3-protecting-yourself-from-fraud Protecting Yourself From Fraud After The Melissa Caddick Situation full 1 3 How do you protect yourself from a fraudulent financial adviser? Daniel is joined by Peter Mancell, the founder of Mancell Financial Group and Managing Director of AFSL FYG Planners, the pair discuss the recent Melissa Caddick situation in Sydney and go through several simple steps investors can take to better protect themselves from an investment 'professional' who is fraudulent or not acting in their best interest.


They discuss:

The importance of using the financial advisers register.

Understanding what’s possible from an investment perspective.

An adviser being able to discuss their investment philosophy and have them explain how past returns were generated.

Ensuring you're not duped by sales tactics.

The importance of your money being with a third-party custodian.

The virus like tentacles of financial loss and trauma across family units.

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]]> How do you protect yourself from a fraudulent financial adviser? Daniel is joined by Peter Mancell, the founder of Mancell Financial Group and Managing Director of AFSL FYG Planners, the pair discuss the recent Melissa Caddick situation in Sydney and go through several simple steps investors can take to better protect themselves from an investment 'professional' who is fraudulent or not acting in their best interest.


They discuss:

The importance of using the financial advisers register.

Understanding what’s possible from an investment perspective.

An adviser being able to discuss their investment philosophy and have them explain how past returns were generated.

Ensuring you're not duped by sales tactics.

The importance of your money being with a third-party custodian.

The virus like tentacles of financial loss and trauma across family units.

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]]> <![CDATA[Why Advice #2 Value Premium, WFH, Millennial SMSF & Financial Abuse]]> Tue, 15 Dec 2020 04:13:31 GMT 43:27 5fd2cc92fe167d3247293bea false https://shows.acast.com/why-advice/episodes/the-value-premium-wfh-new-millennial-smsf-financial-abuse 5fd2cc92fe167d3247293bea 5fd2a90fb6157f0ede1e82b1 the-value-premium-wfh-new-millennial-smsf-financial-abuse full 1 2 Tristan and Daniel discuss the potential for the value premium to rear its head, the work from home dilemma, along with the potential to be taxed for working from home. They also touch on the new millennial SMSF by stake.


In the main part of the program, the pair discuss gifting adult children from a psychological perspective, along with financial abuse of the elderly and ways to combat it.

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]]> Tristan and Daniel discuss the potential for the value premium to rear its head, the work from home dilemma, along with the potential to be taxed for working from home. They also touch on the new millennial SMSF by stake.


In the main part of the program, the pair discuss gifting adult children from a psychological perspective, along with financial abuse of the elderly and ways to combat it.

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]]> <![CDATA[Why Advice #1 Introduction, Real Financial Advice & Peter Mancell]]> Thu, 10 Dec 2020 23:57:11 GMT 45:18 5fd2b5d723269316ae96804e false https://shows.acast.com/why-advice/episodes/introduction-real-financial-advice-peter-mancell 5fd2b5d723269316ae96804e 5fd2a90fb6157f0ede1e82b1 introduction-real-financial-advice-peter-mancell full 1 1 Daniel is joined by Tristan Dallas of Mancell Financial Group to discuss 'the why' and where we are going with this podcast. The pair give a brief overview of real financial advice, at the 23 minute mark they are joined by the founder and managing director of Mancell Financial Group, Peter Mancell.


Peter has been at the forefront of driving financial advice standards in Australia. Mancell Financial Group were the second firm to become CEFEX certified fiduciaries in Australia and were a founding member of the Global Association of Independent Advisers.


Peter discusses various topics ranging from delegating your affairs to a financial adviser, the benefit of accepting that markets work and what high net worth investors should know when engaging a financial adviser.



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]]> Daniel is joined by Tristan Dallas of Mancell Financial Group to discuss 'the why' and where we are going with this podcast. The pair give a brief overview of real financial advice, at the 23 minute mark they are joined by the founder and managing director of Mancell Financial Group, Peter Mancell.


Peter has been at the forefront of driving financial advice standards in Australia. Mancell Financial Group were the second firm to become CEFEX certified fiduciaries in Australia and were a founding member of the Global Association of Independent Advisers.


Peter discusses various topics ranging from delegating your affairs to a financial adviser, the benefit of accepting that markets work and what high net worth investors should know when engaging a financial adviser.



Hosted on Acast. See acast.com/privacy for more information.

]]>