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The Top 5 Performing ASX ETFs of the Financial Year! · She's On The Money

• 0:00
  Speaker 1: Hello.
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  Speaker 2: My name's Santasha Nabananga Bamblet. I'm a proud yr the
• 0:05
  Speaker 2: Order Kerni Whoalbury and a waddery woman. And before we
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  Speaker 2: get started on She's on the Money podcast, I would
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  Speaker 2: like to acknowledge the traditional custodians of the land of
• 0:14
  Speaker 2: which this podcast is recorded on a wondery country, acknowledging
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  Speaker 2: the elders, the ancestors and the next generation coming through
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  Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and
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  Speaker 2: the storytelling of you to make a difference for today
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  Speaker 2: and lasting impact for tomorrow.
• 0:33
  Speaker 1: Let's get into it.
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  Speaker 3: She's on the Money, She's on the Money.
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  Speaker 4: Hello, and welcome to She's on the Money, the podcast
• 1:00
  Speaker 4: Millennials who Want Financial Freedom. My name is Jessica Ricky,
• 1:04
  Speaker 4: and today I have financial expert Victoria Devine. Hello, we're
• 1:09
  Speaker 4: here to talk about ETFs in their performance.
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  Speaker 1: Oh my gosh, she is pum Yeah.
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  Speaker 4: I got to do research for this and I have
• 1:17
  Speaker 4: brought it to the table with the end of the
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  Speaker 4: year at our doorstep and with how many of our
• 1:21
  Speaker 4: community are now on their own investing journeys. Today on
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  Speaker 4: the show, we wanted to do a wrap of the
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  Speaker 4: five best performing asx ETFs from the last financial year.
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  Speaker 1: I mean, we use a stretch. I really wanted to
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  Speaker 1: do that this. Jessica Ricci was.
• 1:35
  Speaker 4: Like, I don't know about that content, and I was like,
• 1:38
  Speaker 4: I really want to do the content, and I feel
• 1:40
  Speaker 4: like there is might be niche. But there is a
• 1:43
  Speaker 4: group of people who really like this content too, because
• 1:45
  Speaker 4: last time we did one last year it kind of
• 1:47
  Speaker 4: blew up in my DMS and people like, oh my gosh,
• 1:49
  Speaker 4: thank you so much for talking about these or thanks
• 1:51
  Speaker 4: so much for having more honest, open conversations about ETFs
• 1:55
  Speaker 4: an actual product.
• 1:56
  Speaker 1: And I'm excited to do this today.
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  Speaker 4: Before we get into it, I know we've said it
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  Speaker 4: a million time, but in case this is the first
• 2:01
  Speaker 4: episode you've ever listened to, and ETF is a basket
• 2:04
  Speaker 4: of shares, is how Victoria ax refreshed. She's a little basket.
• 2:07
  Speaker 4: Might be Wiker that's in at the moment, it might
• 2:09
  Speaker 4: be kin, it might be a picnic basket, but it
• 2:11
  Speaker 4: is a basket of lots of different assets that give
• 2:13
  Speaker 4: you instant diversification. But to go to your point, jess
• 2:16
  Speaker 4: that you just made if this is your first Cheese
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  Speaker 4: on the Money episode, fantastic, welcome to our family. We
• 2:21
  Speaker 4: are so excited to have you. But quick fact check here.
• 2:25
  Speaker 4: If you're not on your investing journey yet, or maybe
• 2:28
  Speaker 4: investing feels completely overwhelming, this episode is definitely going to
• 2:32
  Speaker 4: make that worse. So I would go back and listen
• 2:35
  Speaker 4: to one of our two investing series that will give
• 2:37
  Speaker 4: you the basics of absolutely everything you know, so when
• 2:40
  Speaker 4: you listen to this, it doesn't sound overwhelming. And then
• 2:43
  Speaker 4: for this She's on the Money community that are absolutely
• 2:45
  Speaker 4: across this one. We're really excited to do this. But two,
• 2:48
  Speaker 4: don't feel overwhelmed. If you're like, oh, she's talking about
• 2:51
  Speaker 4: stuff I've never heard. We are just going to make
• 2:53
  Speaker 4: it common knowledge. We are going to talk about these
• 2:55
  Speaker 4: things more often on the She's on the Money pod
• 2:57
  Speaker 4: this year and next year, because I just think there's
• 2:59
  Speaker 4: lots of change going on at the moment, and it
• 3:01
  Speaker 4: makes it so much easier for us to be able
• 3:04
  Speaker 4: to openly and honestly talk about product and just have
• 3:07
  Speaker 4: a good band about what it means and how it works.
• 3:09
  Speaker 4: And I think that these types of conversations are quite constructive.
• 3:12
  Speaker 4: When you guys are picking assets that are going to
• 3:15
  Speaker 4: go into your portfolio in saying that before I really
• 3:18
  Speaker 4: get into the crux of the five ETFs that I'm
• 3:21
  Speaker 4: going to present to you today, Miss Jesso Ricci, in
• 3:23
  Speaker 4: true compliance form, Jessica, past performance is not a reliable
• 3:27
  Speaker 4: predictor of future performance, and you should seek personal financial
• 3:29
  Speaker 4: advice should you wish to make a decision based upon
• 3:32
  Speaker 4: any information that you hear today. Yeah, and this is
• 3:34
  Speaker 4: something we touched on last year, which I think is
• 3:36
  Speaker 4: really worth saying. Just because it was the top performing
• 3:39
  Speaker 4: product doesn't.
• 3:41
  Speaker 1: Mean it will be again.
• 3:42
  Speaker 4: Well, it doesn't mean we're again, but it also doesn't
• 3:43
  Speaker 4: mean it's the right product for you. I think as
• 3:45
  Speaker 4: we go through these people are going to see a
• 3:47
  Speaker 4: bit of a common theme and it's something that may
• 3:50
  Speaker 4: not align with a lot of people's values. And you know,
• 3:53
  Speaker 4: we spoke about this in an earlier investing series, and
• 3:55
  Speaker 4: investing is such a personal thing that the performance of
• 3:59
  Speaker 4: the fund is only one element that people would be
• 4:01
  Speaker 4: considering and there are so many other factors. So this
• 4:04
  Speaker 4: definitely isn't us saying these are the five things you
• 4:06
  Speaker 4: should invest in. It's just a really fun review of
• 4:08
  Speaker 4: the year that was. It's also really interesting because the
• 4:11
  Speaker 4: world has changed quite significantly since last year when we
• 4:15
  Speaker 4: talked about ETFs, and in June we entered what's called
• 4:18
  Speaker 4: a bear market, or a bear market is when officially
• 4:21
  Speaker 4: the shared market drops by a minimum of twenty percent
• 4:24
  Speaker 4: from the last twelve months all time high. And I
• 4:26
  Speaker 4: feel like coming out of COVID when it's not really
• 4:29
  Speaker 4: out of COVID, but you guys know what I mean.
• 4:31
  Speaker 4: As we're coming out of COVID and going back to
• 4:34
  Speaker 4: like kind of business as usual. There were a number
• 4:36
  Speaker 4: of different industries that like smashed it. Like remember when
• 4:40
  Speaker 4: we did that ETF episode jets, Like every single ETF
• 4:43
  Speaker 4: that we presented had like a really really high return,
• 4:46
  Speaker 4: and I was like, oh my gosh, and this and this,
• 4:48
  Speaker 4: and there was like some tech companies and some biopharmaceutical companies,
• 4:51
  Speaker 4: and it was just really interesting. Now having gone through
• 4:54
  Speaker 4: all of that and having experienced what we've experienced, the
• 4:57
  Speaker 4: performance is not nearly as high as it was, But
• 5:00
  Speaker 4: I think it's really interesting to kind of listen to
• 5:02
  Speaker 4: episodes like this, and if you're interested, maybe go back
• 5:05
  Speaker 4: and listen to that episode and see what the market
• 5:07
  Speaker 4: was like twelve months ago. In the types of conversations
• 5:09
  Speaker 4: we were having because politically, economically, and just literally the
• 5:14
  Speaker 4: world is a different place today and the types of
• 5:17
  Speaker 4: ETFs that performed really well in the last financial year
• 5:20
  Speaker 4: are very different to the ones that performed well in
• 5:22
  Speaker 4: the financial year before that, and there's really good reasons
• 5:25
  Speaker 4: for that, and I guess we'll get into the nitty
• 5:27
  Speaker 4: gritty and the conversation around that as we go through it, Jess. Yeah,
• 5:30
  Speaker 4: and last thing to throw in there before we jump
• 5:32
  Speaker 4: into the list itself is these were the best performing
• 5:34
  Speaker 4: ASX ETFs, so they had to be listed on the
• 5:37
  Speaker 4: Australian Securities Exchange to be considered for this list.
• 5:41
  Speaker 1: Get questions. I was going to say, waking into.
• 5:43
  Speaker 4: It, absolutely to give a little bit of what would
• 5:45
  Speaker 4: you call it here? Just housekeeping housekeeping here these are
• 5:49
  Speaker 4: all ASX listed shares and it is post management and
• 5:54
  Speaker 4: performance fees. Obviously, if you are on a different platform,
• 5:58
  Speaker 4: there might be platform fees that you personally need to
• 6:00
  Speaker 4: take into consideration, but this is what the ETF reported
• 6:04
  Speaker 4: directly post all of their fees taken out, So I
• 6:08
  Speaker 4: think that's a great place to start, Jess. And as always,
• 6:11
  Speaker 4: we're clearly going to go five to one because I'm
• 6:14
  Speaker 4: not going to give you the biggest performing ETF upfront,
• 6:17
  Speaker 4: am I.
• 6:17
  Speaker 1: Now, I gotta work for it. No, you've got to
• 6:18
  Speaker 1: work for it. You gotta wait for the break.
• 6:20
  Speaker 4: You've gotta go through our advertising because that's how I
• 6:22
  Speaker 4: pay Jess.
• 6:23
  Speaker 1: Guys, that's important. I lack money.
• 6:25
  Speaker 4: Let's kick things off with number five VD.
• 6:27
  Speaker 1: What have you got?
• 6:28
  Speaker 2: All right?
• 6:28
  Speaker 4: So coming in at number five, we have the beta
• 6:31
  Speaker 4: shares Global Agricultural Companies ETF and the ticker code. So
• 6:36
  Speaker 4: I feel like ticker code is something I've only just
• 6:38
  Speaker 4: started talking about. It's definitely not new in this world.
• 6:41
  Speaker 4: But you know the little code that the ASX use
• 6:43
  Speaker 4: to like identify a share, it's called a ticker code.
• 6:47
  Speaker 4: Go figure. Because the ticker board, so you know, you
• 6:50
  Speaker 4: would have seen the pictures like yeah, real old school,
• 6:53
  Speaker 4: they will have stre exactly, so the boards on the
• 6:56
  Speaker 4: walls that would like tick over the performance. It's the
• 6:59
  Speaker 4: ticker because obviously they weren't going to write Beta shares
• 7:02
  Speaker 4: Global Agricultural Company ATF what they were going to do.
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  Speaker 4: And I really like this ticker code. It's food that's clever. Yes,
• 7:09
  Speaker 4: so funny. Anyway, So the first fun that we're looking
• 7:12
  Speaker 4: at today is basically exactly what it says in the title.
• 7:15
  Speaker 4: It is a global agricultural company is ETF. So as
• 7:19
  Speaker 4: we said, this is an ASX listed ETF, but that
• 7:23
  Speaker 4: doesn't mean it's only got Australian shares in it, right.
• 7:25
  Speaker 4: Food is an agricultural based ETF that tracks a whole
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  Speaker 4: heap of food producing companies from around the world, so
• 7:31
  Speaker 4: you might have heard of a whole heap of the
• 7:33
  Speaker 4: companies in there. You've got Tyson Foods and Archer Daniels
• 7:36
  Speaker 4: Midland and Deer and Co. And Food because it's way
• 7:39
  Speaker 4: more fun to just refer to it as it's ticker code,
• 7:42
  Speaker 4: because it's got a good one. Gave investors a total
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  Speaker 4: of three point five percent return over the twenty twenty
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  Speaker 4: two financial year, which honestly looks pretty good if you
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  Speaker 4: compare it to our top performing ASX shares. Really interesting
• 7:55
  Speaker 4: the difference between the bottom performing at the top five
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  Speaker 4: this year versus last year made it into the top
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  Speaker 4: five jests, yeah, with only three point five percent last
• 8:04
  Speaker 4: year's bottom five, like number five.
• 8:07
  Speaker 1: Was trying to say.
• 8:08
  Speaker 4: It came in at thirty nine point three two exactly
• 8:11
  Speaker 4: right like last year was absolutely insane and I think,
• 8:15
  Speaker 4: and like I can't remember because it was a while ago.
• 8:17
  Speaker 4: I would have been like, guys, this is so irregular,
• 8:19
  Speaker 4: like it is not common. But you've got to remember
• 8:22
  Speaker 4: that a lot of the shares that were on that
• 8:24
  Speaker 4: top list actually were shares that had performed insanely well
• 8:29
  Speaker 4: over COVID, and COVID was kind of like an outlier
• 8:33
  Speaker 4: for what economic performance actually looked like. So people were like,
• 8:36
  Speaker 4: oh my gosh, now we're going to get on it.
• 8:37
  Speaker 4: Like remember how Zoom had that like massive influx of users,
• 8:41
  Speaker 4: because it just made sense. Yeah, you don't often see
• 8:44
  Speaker 4: such crazy performance in the share market, but it was
• 8:47
  Speaker 4: obviously quite responsive to the times we were going through.
• 8:51
  Speaker 4: And now we've kind of come off a little bit.
• 8:52
  Speaker 4: We're in a bear market. You know. There is talk
• 8:55
  Speaker 4: from a lot of politicians and a lot of economists
• 8:57
  Speaker 4: that we are on the way to some form of session.
• 9:00
  Speaker 4: So obviously the market's going to have pulled back a
• 9:02
  Speaker 4: little bit and be a little bit tighter with their
• 9:04
  Speaker 4: purse string. So performance this year isn't looking nearly as
• 9:07
  Speaker 4: sexy as it was last year. Yeah. Well, as someone
• 9:09
  Speaker 4: whose portfolio is largely in the red, it's kind of
• 9:12
  Speaker 4: like any kind of positive return is a great thing,
• 9:15
  Speaker 4: so I can see why it's scraping in at three
• 9:17
  Speaker 4: point five Does this make you like, when we have
• 9:19
  Speaker 4: this conversation and I say, Jess, when we're talking about
• 9:22
  Speaker 4: the top five ETFs and number five is at three
• 9:25
  Speaker 4: point five percent, does that make you feel slightly better
• 9:28
  Speaker 4: about looking at your own portfolio and going, Okay, well,
• 9:31
  Speaker 4: you know that isn't as good compared to last year.
• 9:33
  Speaker 4: Does that give you more context or I guess confidence? Yeah?
• 9:36
  Speaker 1: I think so.
• 9:37
  Speaker 4: I think looking at this list, the numbers seem a
• 9:39
  Speaker 4: lot more reasonable compared to last year's, which was you know,
• 9:43
  Speaker 4: entry point of almost forty percents and I'm to almost
• 9:46
  Speaker 4: ninety I think it was. It definitely makes it seem
• 9:49
  Speaker 4: a lot smarter. I think I'm not feeling too anxious
• 9:52
  Speaker 4: because we've done so much groundwork this year about understanding
• 9:55
  Speaker 4: the cycles of the market and understanding that you know,
• 9:58
  Speaker 4: you're not always going to be doing super well and
• 10:01
  Speaker 4: that's totally fine. It about time in the market, not
• 10:03
  Speaker 4: timing the market. Yes, Queen, you're like, maybe me, you
• 10:06
  Speaker 4: just spit out all the stuff I say, and I
• 10:07
  Speaker 4: love it.
• 10:08
  Speaker 1: Yeah, I do. I sound exactly I love it.
• 10:10
  Speaker 4: I love it. I would wear that outfit though, So
• 10:12
  Speaker 4: that's good. It's cute. We almost matched sometimes, if that's okay,
• 10:16
  Speaker 4: All right, back on track, Victoria, what came in at
• 10:19
  Speaker 4: number four? Okay, so number four is the Van Neck
• 10:21
  Speaker 4: Australian Resources ETF not as sexy of a ticker code
• 10:25
  Speaker 4: this time, I do apologize. The ticker code is mv R,
• 10:29
  Speaker 4: and I can't even think of a cute acronym or
• 10:31
  Speaker 4: something that suits that, so.
• 10:32
  Speaker 1: We just move on from that.
• 10:34
  Speaker 4: Pick ticer because like food makes sense global Agriculture. MVR
• 10:37
  Speaker 4: isn't even an abbreviation of the title. Yeah, usually it
• 10:40
  Speaker 4: is an abbreviation of the title, but sometimes if an
• 10:42
  Speaker 4: abbreviation already exists, they will just pick something that makes
• 10:46
  Speaker 4: sense for that fund. And the V I'm assuming stance
• 10:49
  Speaker 4: for Van Neck and it might be like something vanic Resources.
• 10:53
  Speaker 4: I don't actually know off the top of my head
• 10:54
  Speaker 4: what that particular one is. But often because there are
• 10:58
  Speaker 4: so many big companies on the list, they double krinom
• 11:01
  Speaker 4: might no, no, no, they won't double up. They will
• 11:03
  Speaker 4: make you pick a different ticker code. So like you know,
• 11:05
  Speaker 4: if you're going to go with like Rio, tinto. Right,
• 11:07
  Speaker 4: they've already got Rio. So if Rio Underwear wanted to
• 11:10
  Speaker 4: list on the ASX, they would have to come up
• 11:12
  Speaker 4: with a different ticker code. It's like Instagram names and
• 11:14
  Speaker 4: all the good ones are taken and you have to
• 11:16
  Speaker 4: do it like a dot or an understor Right, there's
• 11:18
  Speaker 4: an underscore in my name because there's a woman in
• 11:20
  Speaker 4: the US called Victoria Devine and she's like a pr
• 11:23
  Speaker 4: person and woman. You've got all of my usernames. Cut
• 11:27
  Speaker 4: this out, rude. I couldn't even get the TikTok name.
• 11:30
  Speaker 4: When TikTok started to become a thing, I was like,
• 11:32
  Speaker 4: this is my time to shine.
• 11:33
  Speaker 1: I'm going to get Victoria Devine.
• 11:34
  Speaker 4: I did not. I still had to use my underscore.
• 11:36
  Speaker 4: She was too speedy. Tell me more speedy about MVR.
• 11:39
  Speaker 4: This fund holds ASX shares, So it's Australian only, which
• 11:43
  Speaker 4: I mean is probably pretty obvious given it's called the
• 11:46
  Speaker 4: Australian Resources ETF, but only in the resources sector. So
• 11:51
  Speaker 4: when we talk about the resources sector, that's like energy
• 11:54
  Speaker 4: and fuel, and we are talking about oil and petrol
• 11:58
  Speaker 4: and petroleum production and stuff like that. So this one's
• 12:02
  Speaker 4: a little bit debated. Because there are obviously going to
• 12:04
  Speaker 4: be people on either side of the fence, people who
• 12:06
  Speaker 4: are like yes, investing resources, and then people who are
• 12:09
  Speaker 4: like no, it's unethical, Like that's not aligned to my values.
• 12:12
  Speaker 4: This episode is not about your values. This is just
• 12:14
  Speaker 4: about hey, here are the top five performing ones. Obviously,
• 12:17
  Speaker 4: you guys know that I'm probably more aligned to an
• 12:19
  Speaker 4: ethical portfolio because that's just where my values sit. But honestly,
• 12:23
  Speaker 4: you do you boo. Australia is known for its resources
• 12:27
  Speaker 4: production and export. And as an Australian who is also
• 12:32
  Speaker 4: an investor and somebody who I would say knows the
• 12:35
  Speaker 4: shere market pretty well, a lot of our performance does
• 12:38
  Speaker 4: come from resources. Because you think about our main exports, like,
• 12:41
  Speaker 4: we aren't the type of country who you know exports massive,
• 12:45
  Speaker 4: massive amounts of corn or like do you know what
• 12:47
  Speaker 4: I mean? Like you know New Zealand to the export shape. Great,
• 12:51
  Speaker 4: they don't have as many resources as us, but with
• 12:53
  Speaker 4: the amount of land we have, it kind of makes
• 12:55
  Speaker 4: sense that the world relies on us for that.
• 12:58
  Speaker 1: So you can't just cut.
• 12:59
  Speaker 4: That sector out comempletely anyway. Complete side note, they hold
• 13:03
  Speaker 4: some pretty big names. So I mentioned Rio before. That's
• 13:06
  Speaker 4: a good place to start. Rio is in that portfolio.
• 13:08
  Speaker 4: Then there's BHP, which everybody would know, and Woodside Energy Group,
• 13:12
  Speaker 4: which is again a really popular name. So essentially the
• 13:15
  Speaker 4: Vanick Australian Resources ETF managed to give a total return
• 13:19
  Speaker 4: Jessica of a very exciting five percent over the twenty
• 13:23
  Speaker 4: twenty two financial year for its investors.
• 13:25
  Speaker 1: Five percent.
• 13:26
  Speaker 4: Given I know it's only a small portion of portfolio,
• 13:29
  Speaker 4: but given how freaking expensive petrol has been this rude, right,
• 13:34
  Speaker 4: and given that BHP sits in that portfolio, I'm really
• 13:37
  Speaker 4: surprised that it's only five percent.
• 13:39
  Speaker 1: Yeah, I'm surprised at the amount of return.
• 13:41
  Speaker 4: I'm not surprised that they've made this list because I
• 13:43
  Speaker 4: was like, okay, cool, they're absolutely turning a profit. But
• 13:46
  Speaker 4: in saying that, a lot of companies are not just
• 13:49
  Speaker 4: exporting their importing. So as we know, BEHP are absolutely
• 13:53
  Speaker 4: an importer as well as an exporter, and that means
• 13:56
  Speaker 4: that they are having to pay the fuel prices that
• 14:00
  Speaker 4: the UAE are setting for us, so not every single
• 14:03
  Speaker 4: discount actually gets past to us because sometimes it has
• 14:06
  Speaker 4: to be absorbed into the cost. So I think that
• 14:07
  Speaker 4: that makes a lot of sense. But at the same time,
• 14:10
  Speaker 4: it's kind of a joke.
• 14:11
  Speaker 1: I don't like it.
• 14:12
  Speaker 2: Yeah.
• 14:12
  Speaker 4: Also, while we're chatting about it, Rio is a really
• 14:15
  Speaker 4: controversial share and sometimes that comes up in our comments section.
• 14:20
  Speaker 4: Can you run me and everybody listening through the why.
• 14:23
  Speaker 1: There's a lot to unpack there.
• 14:25
  Speaker 4: I mean, predominantly I would say it's their desecration of
• 14:27
  Speaker 4: Aboriginal sacred land and that makes me really mad. And
• 14:31
  Speaker 4: then er shareholders blasted Rio recently over board exodus, so
• 14:35
  Speaker 4: basically their entire board just yeat it out of there,
• 14:38
  Speaker 4: And James Packer basically said that the resignation of all
• 14:42
  Speaker 4: three independent directors under pressure from Rio reeks of something
• 14:45
  Speaker 4: terribly wrong. So there's a lot of skepticism in addition
• 14:49
  Speaker 4: to the fact that they are in the resources sector,
• 14:51
  Speaker 4: so people already looking at them as like, what are
• 14:54
  Speaker 4: you doing for the environment? How does that work? And yeah,
• 14:57
  Speaker 4: it's just a bit of a spicy topic. And historically
• 14:59
  Speaker 4: their share prices have been very ebby and very flowy,
• 15:02
  Speaker 4: Like I remember back in like twenty fifteen, twenty sixteen,
• 15:06
  Speaker 4: there was like a fifty percent drop in their share prices.
• 15:09
  Speaker 4: When I was talking to clients, like obviously portfolios I
• 15:12
  Speaker 4: hadn't written, but talking to clients about what they held,
• 15:15
  Speaker 4: and it's always just been a little bit controversial, a
• 15:17
  Speaker 4: little bit topical from my perspective. I just think that resources,
• 15:21
  Speaker 4: I understand it, I respect that it exists. I respect
• 15:24
  Speaker 4: that it really holds up a lot of our economy.
• 15:28
  Speaker 4: So we can't just you know, evict it from the
• 15:30
  Speaker 4: country and say, oh, we shouldn't do that. But what
• 15:33
  Speaker 4: can we do to be more respectful? What can we
• 15:35
  Speaker 4: do to help climate change? What can we do to
• 15:37
  Speaker 4: you know, rebuild the Great Barrier reef? And there are
• 15:39
  Speaker 4: actually a number of different resource companies that if you're
• 15:43
  Speaker 4: interested in being exposed to resources, we only want to
• 15:46
  Speaker 4: be exposed to resources who are also.
• 15:48
  Speaker 1: Trying to help the community.
• 15:49
  Speaker 4: I think that's a really good space to have a
• 15:51
  Speaker 4: conversation in as well. And I won't get into it now,
• 15:53
  Speaker 4: but yeah, Reo, it wouldn't be one of them, all right,
• 15:56
  Speaker 4: I reckon, we've got time for one more before we
• 15:59
  Speaker 4: go to a quick break.
• 16:00
  Speaker 1: What is sitting at number three?
• 16:01
  Speaker 4: All right? Less spicy than talking about resources? Just is
• 16:04
  Speaker 4: the SMP five hundred high yield low volatility ETF and
• 16:07
  Speaker 4: its ticker code absolutely makes no sense. It's z y
• 16:10
  Speaker 4: us us.
• 16:12
  Speaker 1: Zeus so us. I mean that makes me want to
• 16:15
  Speaker 1: buy it now.
• 16:16
  Speaker 4: Apart from its performance, I mean, this performance is okay,
• 16:18
  Speaker 4: but there's obviously two more better ones coming after the break.
• 16:22
  Speaker 4: But essentially, this ETF is really income focused. So it's
• 16:25
  Speaker 4: a fund that tries to track a select group of
• 16:28
  Speaker 4: US companies that are picked to maximize income, money win,
• 16:33
  Speaker 4: but also minimize risk or volatility that it is exposed to.
• 16:36
  Speaker 4: So that's, from my perspective, pretty sexy. Whoever's organizing that
• 16:40
  Speaker 4: sounds good. So you might know some of its current holdings,
• 16:42
  Speaker 4: and a lot of its holdings, from my perspective, are
• 16:44
  Speaker 4: actually kind of like in Australia we call them blue
• 16:47
  Speaker 4: chip stocks. I would say blue chip. They're tried, they're true,
• 16:49
  Speaker 4: they're tested, they've existed for a lot of years. So
• 16:52
  Speaker 4: for example, the technology company IBM, So you would have
• 16:55
  Speaker 4: heard of IBM, you would have heard of Chevron, you
• 16:57
  Speaker 4: would have heard of craft. Heins like that makes and
• 17:00
  Speaker 4: it might not be something that you recognize, Jess. But
• 17:04
  Speaker 4: Philip Morris International, do you know what that is?
• 17:07
  Speaker 1: No idea?
• 17:08
  Speaker 4: You probably haven't heard of it before, and it makes
• 17:10
  Speaker 4: sense because you don't smoke. They are a cigarette company,
• 17:13
  Speaker 4: and they are arguably the most recognized and best selling
• 17:16
  Speaker 4: international cigarette company. Marlborough Marlborough.
• 17:20
  Speaker 1: Oh yes, yeah, I'm not very heard at that.
• 17:22
  Speaker 4: It's never picked up a dart in my life. But
• 17:24
  Speaker 4: I find it really interesting. And I'm not trying to
• 17:26
  Speaker 4: give them credit. I just really like creeping on products.
• 17:28
  Speaker 1: But get this.
• 17:29
  Speaker 4: They are and were the biggest multinational tobacco company in
• 17:34
  Speaker 4: the US, with their products sold in more than one
• 17:37
  Speaker 4: hundred and eighty companies. And now if you google that company,
• 17:41
  Speaker 4: the description of their company is get this, Jessica. We're
• 17:44
  Speaker 4: building Philip Morris International's future on smoke free products that
• 17:49
  Speaker 4: are a better choice than cigarette smoking that goes in
• 17:52
  Speaker 4: direct conflict to the product that they sell. That's interesting
• 17:56
  Speaker 4: because they still produce the Ciggi's Baby. Yeah, Like they're
• 17:59
  Speaker 4: still taking most of their money off that, but they're
• 18:02
  Speaker 4: literally changing their focus because they know that the future
• 18:04
  Speaker 4: maybe doesn't include them, and they're trying to be on
• 18:06
  Speaker 4: that train. And I think that's really interesting. Is that
• 18:08
  Speaker 4: green washing or is that No, that's not green washing.
• 18:10
  Speaker 4: I think that that's a business identifying that they have
• 18:13
  Speaker 4: limited time left before they'll either be made illegal or
• 18:16
  Speaker 4: redundant or you know, drop in sales. Like here in Australia,
• 18:20
  Speaker 4: we know that the tax on cigarettes has absolutely been
• 18:23
  Speaker 4: astronomical for good reason. It's to deter people from purchasing it.
• 18:27
  Speaker 4: It's not because the government's trying to make more money.
• 18:29
  Speaker 4: They're just trying to make it more inaccessible, which makes sense.
• 18:33
  Speaker 4: But that leads to a decrease in people buying their product,
• 18:36
  Speaker 4: which means they have to also up their prices. So
• 18:39
  Speaker 4: I think it's just honestly, cigarettes are dying, and I'm
• 18:41
  Speaker 4: not mad about it anyway. I just find that interesting
• 18:44
  Speaker 4: about Philip Morris International because it's just nice to know
• 18:46
  Speaker 4: stuff about stuff, right. But zeus or US, which is
• 18:52
  Speaker 4: the S and P five hundred high Yield Low Volatility
• 18:55
  Speaker 4: etf I much prefers use manage to give all of
• 18:57
  Speaker 4: its investors a twenty twenty two financial year return of
• 19:01
  Speaker 4: twelve point seven percent.
• 19:02
  Speaker 1: Jessica, the concept.
• 19:03
  Speaker 4: Of a high yield low volatility very appealing, very sexy.
• 19:09
  Speaker 1: It may be sexy. Twelve point seven percent is not
• 19:11
  Speaker 1: bad either.
• 19:12
  Speaker 4: It's not bad, and I mean I would question like
• 19:15
  Speaker 4: I just feel like Philip Morris obviously exists. I'm like, oh,
• 19:18
  Speaker 4: is it really low volatility? There's so much risk. Yeah,
• 19:21
  Speaker 4: there's so much risk from me as a non smoker
• 19:24
  Speaker 4: because I'm like, that's going to be dead soon. But
• 19:27
  Speaker 4: addiction is what is driving their performance, so it's really
• 19:29
  Speaker 4: not going that far that fast. So that's why I'm
• 19:32
  Speaker 4: also super interested to see that they've changed their mission
• 19:34
  Speaker 4: statement because it's like, well, is that really what we're
• 19:37
  Speaker 4: working towards? Are you're going to protect your profits and
• 19:39
  Speaker 4: make yourselves look good. It's not green washing because they
• 19:41
  Speaker 4: are doing that, but it's also just, I don't know,
• 19:43
  Speaker 4: a little bit controversial.
• 19:45
  Speaker 1: Ah, super interesting.
• 19:46
  Speaker 4: Alrighty, let's go to a really quick break because we're
• 19:49
  Speaker 4: going to make you wait to learn about those top
• 19:50
  Speaker 4: two Baby, don't go anywhere.
• 19:56
  Speaker 1: Welcome back everybody.
• 19:57
  Speaker 4: Today we are reviewing the top five forming ETFs if
• 20:00
  Speaker 4: the twenty twenty one twenty twenty two financial Yeah, we
• 20:03
  Speaker 4: just got through numbers five to three, and now we've
• 20:06
  Speaker 4: saved the two best for us. That's true best because
• 20:10
  Speaker 4: like we're about to talk about a fuel ETF so
• 20:14
  Speaker 4: performing Yeah, like we didn't take ethics into consideration, and
• 20:18
  Speaker 4: I mean I thought about this. I was thinking when
• 20:20
  Speaker 4: we're scripting this jests and just like pulling together all
• 20:22
  Speaker 4: the research. I was like, maybe we should do like
• 20:24
  Speaker 4: the top performing ethical ETFs, but like ethical means something
• 20:28
  Speaker 4: different to literally everybody, and there's no way of me
• 20:30
  Speaker 4: pulling together a top performing ethical ETF list without it
• 20:34
  Speaker 4: becoming a recommendation, because then I would have to say, oh,
• 20:37
  Speaker 4: I believe this is ethical, and that's not the case
• 20:39
  Speaker 4: here in Australia.
• 20:40
  Speaker 1: You just can't do that.
• 20:41
  Speaker 4: So till we have that, maybe we could do like
• 20:44
  Speaker 4: a top ESG investing portfolio or something.
• 20:48
  Speaker 1: Yes, but I mean slide into our.
• 20:50
  Speaker 4: DMS and let us know what you want, because we
• 20:52
  Speaker 4: really like not having to think of our own topics
• 20:55
  Speaker 4: and really like being spoon fed. But speaking of spoonfed,
• 20:58
  Speaker 4: I went to the a Sex website and took the
• 21:01
  Speaker 4: top five performing ETFs of twenty twenty two's financial year,
• 21:04
  Speaker 4: and now I'm presenting them to you guys.
• 21:06
  Speaker 1: As if I did all the work.
• 21:07
  Speaker 4: Myself, you still a little bit of the work, got
• 21:09
  Speaker 4: a little bit of the work he ASX did most
• 21:12
  Speaker 4: of it. But so number two we've got the Beta
• 21:15
  Speaker 4: Shares Global Energy Company's ETF, which has the ticker code
• 21:19
  Speaker 4: Jess fuel.
• 21:20
  Speaker 1: Oh tell me more, what does that contain?
• 21:22
  Speaker 4: Just press that they got that, Like what a good
• 21:24
  Speaker 4: ticker code. So basically, this is really similar to the
• 21:27
  Speaker 4: first ETF that we talked about. So we talked about
• 21:30
  Speaker 4: the Beta Shares Global Agricultural Fund, which was the ASX
• 21:33
  Speaker 4: ticker code food. Now we're talking about the ASX ticker
• 21:35
  Speaker 4: code Fuel. So I would argue that Beta shares are
• 21:38
  Speaker 4: the most creative and kind of witty when it comes
• 21:40
  Speaker 4: to mating their ASX ticker codes. But this fund, in contrast,
• 21:45
  Speaker 4: actually holds a diversified range of global energy shares rather
• 21:48
  Speaker 4: than agricultural ones. So once again we see Chevron here.
• 21:52
  Speaker 4: Again Chevron is a really big oil and resources company.
• 21:56
  Speaker 4: But then we see like Mobile and Royal, Dutch Shell
• 21:58
  Speaker 4: and BP, so all of the big names that if
• 22:01
  Speaker 4: I said, Jess, you're on, like the price is right,
• 22:04
  Speaker 4: what are the top five fuel companies? You probably put
• 22:06
  Speaker 4: them all into this ETF. And this ETF actually really
• 22:10
  Speaker 4: outperformed the other three that we have already discussed because
• 22:14
  Speaker 4: over the twenty twenty two financial years, twenty seven point
• 22:17
  Speaker 4: nine percent return, twenty seven point nine that's sounding a
• 22:20
  Speaker 4: lot better than when we started this list at three
• 22:22
  Speaker 4: point five, it's just like a lot more clickbaity, right,
• 22:26
  Speaker 4: It's far more clickbaity than you know what it was
• 22:28
  Speaker 4: going to be. So I'm probably going to use this
• 22:30
  Speaker 4: to market episode. Yeah, very smart from you. Obviously, as
• 22:34
  Speaker 4: we said before, resources very controversial, petrol particularly, But that's
• 22:39
  Speaker 4: what's really frustrating about this space, right, Like when I
• 22:42
  Speaker 4: was putting together share portfolios way back when it wasn't
• 22:46
  Speaker 4: normal to take into consideration ethical considerations, really, I would
• 22:51
  Speaker 4: talk to people and it's just like a no brainer
• 22:53
  Speaker 4: to put resources as one of the biggest players, especially
• 22:57
  Speaker 4: in high net wealth share portfolios, because they just so
• 23:00
  Speaker 4: tried and true and kind of stable. Like historically, obviously
• 23:04
  Speaker 4: at the moment we are going through a pretty tumultuous time,
• 23:06
  Speaker 4: but historically they would just pay their dividends, do their job,
• 23:10
  Speaker 4: you know, keep bringing resources in. Like it just it
• 23:14
  Speaker 4: was something where old school people would just buy BEHP
• 23:18
  Speaker 4: because it made sense. Like I remember having one client, Jess,
• 23:21
  Speaker 4: and obviously I didn't on board them. It was like
• 23:23
  Speaker 4: a historical client that I inherited and I loved them,
• 23:27
  Speaker 4: so they passed away and their portfolio was inherited by
• 23:30
  Speaker 4: their son who ultimately became my client, and we were
• 23:33
  Speaker 4: talking about the portfolio and what we wanted to do,
• 23:36
  Speaker 4: and this son was really passionate about ethical investing, like
• 23:39
  Speaker 4: so passionate about the Great Barrier reef and really hated
• 23:42
  Speaker 4: the fact. I might have told this story on the
• 23:44
  Speaker 4: podcast before, but really hated the fact that he owned
• 23:47
  Speaker 4: BEHP because he was, like, I do so much he
• 23:50
  Speaker 4: does volunteering to like clean up the reef and like
• 23:53
  Speaker 4: you know, it donates money, and like very high networth
• 23:55
  Speaker 4: family as well. He's like, I need to get rid
• 23:57
  Speaker 4: of it. But when we went and did the analysis
• 24:01
  Speaker 4: to work out how much it would cost him to
• 24:03
  Speaker 4: dispose of the shares, we had to go so far
• 24:06
  Speaker 4: back that his shares in BHP were bought in British
• 24:09
  Speaker 4: pound sterling wow, back when we didn't even have Australian currency,
• 24:14
  Speaker 4: because his dad and then his grandfather had bought them
• 24:18
  Speaker 4: and obviously they were so cheap that now that he
• 24:21
  Speaker 4: needed to sell them, just think about those capital gains.
• 24:24
  Speaker 4: He was going to lose nearly half of his portfolio
• 24:27
  Speaker 4: just by extinguishing it and like selling down that asset
• 24:30
  Speaker 4: to buy something else. And when it comes to the
• 24:32
  Speaker 4: power of money. I mean, this is a complete side
• 24:34
  Speaker 4: note and a complete tangent, but like I think it's interesting.
• 24:38
  Speaker 4: We ended up coming to the agreement that we would
• 24:40
  Speaker 4: actually keep those shares because the money that that share
• 24:44
  Speaker 4: was making could be donated to saving the reef and
• 24:46
  Speaker 4: you know, having a positive impact. So even if you
• 24:49
  Speaker 4: own things, sometimes that's not the best idea to just
• 24:52
  Speaker 4: sell them down because your quote values have changed, because
• 24:55
  Speaker 4: the impact might be far bigger than what you can
• 24:57
  Speaker 4: do with the money that your money is making. Think
• 25:00
  Speaker 4: that there's just a lot to think about here, and
• 25:03
  Speaker 4: you know, there's absolutely no shame in what you own.
• 25:05
  Speaker 4: I want you to be just really happy, but there
• 25:07
  Speaker 4: are sometimes creative ways that we need to go round
• 25:10
  Speaker 4: to make sure that you are happy with the portfolio
• 25:12
  Speaker 4: that you have. Yeah, super interesting, not at all surprising
• 25:15
  Speaker 4: with the rising energy prices that that particular ETF did
• 25:19
  Speaker 4: pretty well. I'm not surprised to either, Jess. But you
• 25:23
  Speaker 4: know what, we have one that has come in at
• 25:25
  Speaker 4: over fifty percent and that is our number one performing
• 25:28
  Speaker 4: asx ETF of twenty twenty two's financial year. Can you
• 25:33
  Speaker 4: guess what space it is in I'm gonna say resource.
• 25:36
  Speaker 1: It is in resource is your genius.
• 25:38
  Speaker 4: Beta Shares have taken out three of the top spots
• 25:41
  Speaker 4: in this list. By the way, Ah, they've done well.
• 25:44
  Speaker 4: I feel like they did really well. They work upstairs
• 25:46
  Speaker 4: from us, Jess, they're in our office. We're basically best
• 25:49
  Speaker 4: friends with an ETF provider. Ten out of ten love
• 25:53
  Speaker 4: their work. But the Beta shares, this one doesn't sound
• 25:55
  Speaker 4: nearly as sexy. The Beta Shares Crude Oil Index ETF,
• 25:59
  Speaker 4: which has the taker CODEO ooho or if you like
• 26:05
  Speaker 4: kind of blow your eyes, the o's kind of get
• 26:07
  Speaker 4: a little bit skinnier and it's like triple zero. Please
• 26:09
  Speaker 4: call them because you own a crude oil ETF. But yeah,
• 26:12
  Speaker 4: let's not get into that. My personal opinion should not
• 26:15
  Speaker 4: be foreshadowing your decisions as an investor. But essentially the
• 26:19
  Speaker 4: best performing ASX ETF is the Beta Shares Crude Oil
• 26:23
  Speaker 4: Index ETF, and basically it's another energy focused one, which
• 26:26
  Speaker 4: we're not surprised about. But it's actually nothing like the
• 26:30
  Speaker 4: funds that we've already talked about. So instead of tracking
• 26:33
  Speaker 4: energy companies, it actually only invests in West Texas intermediate
• 26:38
  Speaker 4: crude oil futures contracts and doesn't actually hold any shares
• 26:42
  Speaker 4: within it.
• 26:42
  Speaker 1: What does that mean?
• 26:43
  Speaker 4: Not holding any actual shares, so jess, instead of having
• 26:46
  Speaker 4: shares of other companies. Like before, we were talking about
• 26:49
  Speaker 4: the Beta shares global energy companies, and I listed out
• 26:52
  Speaker 4: the companies that it had shares in, So in its
• 26:55
  Speaker 4: basket it holds little pieces of other companies, whereas the
• 27:00
  Speaker 4: Crude Oil Index does not actually do that. It actually
• 27:03
  Speaker 4: only invests in crude oil futures contracts, so actual contracts,
• 27:07
  Speaker 4: so basically pieces of paper are in your ETF, and
• 27:10
  Speaker 4: it tracks the average and the returns of the West
• 27:12
  Speaker 4: Texas Intermediate Crude Oil futures as opposed to actual shares
• 27:16
  Speaker 4: that might be invested inside that. So it's actually just
• 27:20
  Speaker 4: futures contracts instead of shares. I didn't even know that
• 27:23
  Speaker 4: was a thing. It's wild what you can do with
• 27:25
  Speaker 4: an ETF these days.
• 27:26
  Speaker 1: Wow.
• 27:27
  Speaker 4: So it has obviously been the biggest performer over the
• 27:30
  Speaker 4: last financial year with let's take it away with sixty
• 27:35
  Speaker 4: point three percent over that period of time.
• 27:38
  Speaker 1: Wow, that is a huge amount.
• 27:41
  Speaker 4: I agree, But I also think it's kind of funny
• 27:44
  Speaker 4: that it's West Texas shares, so basically it's just a
• 27:47
  Speaker 4: benchmark that is used in trading, and there's another few.
• 27:51
  Speaker 4: There's the Brent Crude and there's the Dubai Omann Crude
• 27:54
  Speaker 4: Oil Index. So it's all quite interesting in that space.
• 27:57
  Speaker 4: But no, ETFs don't just necessarily have to hold shares
• 28:01
  Speaker 4: just they can also hold bonds, which I think is
• 28:03
  Speaker 4: quite interesting. But given how conservative they are, they were
• 28:06
  Speaker 4: never going to make it to the top five performing
• 28:08
  Speaker 4: of twenty twenty twos financial year super interesting. A lot
• 28:12
  Speaker 4: of resources this year, which I feel like was not
• 28:15
  Speaker 4: as much the case last year.
• 28:16
  Speaker 1: Last year, I remember correctly, was very tech heavy.
• 28:19
  Speaker 4: Yeah, very tech heavy because of what we've just gone
• 28:21
  Speaker 4: through and now think about the world coming back. If
• 28:24
  Speaker 4: you're getting more expensive, the war that's going on at
• 28:26
  Speaker 4: the moment involving Russia and Ukraine, like, there is a
• 28:29
  Speaker 4: lot going on in that space making oil and resources
• 28:33
  Speaker 4: far more valuable and people want to get their hands
• 28:36
  Speaker 4: on them. So it kind of makes sense that this
• 28:39
  Speaker 4: is the way that our top five shares are performing.
• 28:41
  Speaker 4: And I actually I kind of want to like speed
• 28:44
  Speaker 4: into the future and see what next year looks like,
• 28:46
  Speaker 4: because it's going to be different again, it always is.
• 28:48
  Speaker 1: That's what I was just going to say.
• 28:49
  Speaker 4: Imagine us sitting here in twelve months time, reviewing again
• 28:53
  Speaker 4: another year, and if it's like a whole different bunch
• 28:55
  Speaker 4: of sectors or like, it's just interesting to think about
• 28:58
  Speaker 4: how it can change so much in such a short
• 29:01
  Speaker 4: period of time. Yeah, yeah, I get it. And I
• 29:03
  Speaker 4: guess this is a really good example of why this
• 29:06
  Speaker 4: is not a recommendation for things that you should buy,
• 29:09
  Speaker 4: because the shares that we listed last year not on
• 29:12
  Speaker 4: this list, So if you're expecting the same performance, it's
• 29:15
  Speaker 4: just not going to happen. Like this is what has happened,
• 29:18
  Speaker 4: not what will happen. And I think this is just
• 29:20
  Speaker 4: like really good pieces of education because it just teaches
• 29:23
  Speaker 4: you a lot about one the share market and how
• 29:25
  Speaker 4: it performs, but also like what's the economy up to?
• 29:28
  Speaker 4: What does that mean when we then look at the
• 29:30
  Speaker 4: share market and it makes sense that the performance isn't
• 29:33
  Speaker 4: blowing us out of the water in the same way.
• 29:36
  Speaker 4: But like, mate, I'd be happy with any of those
• 29:38
  Speaker 4: returns at this point in time because I'm still in
• 29:41
  Speaker 4: the red. Yeah, same queen, but I recoonne it's about
• 29:44
  Speaker 4: it today. I hope you guys enjoyed this rap episode.
• 29:47
  Speaker 4: Let us know if there are any other categories he
• 29:49
  Speaker 4: likes to wrap.
• 29:50
  Speaker 1: Last year we.
• 29:50
  Speaker 4: Did the top literary rap will just summarize. Yeah, we'll
• 29:54
  Speaker 4: leave the rapping to all the real wrappers. Last year,
• 29:57
  Speaker 4: I think we did the top five performing shares as well,
• 29:59
  Speaker 4: which be another fun mount if people are still keen
• 30:02
  Speaker 4: individual shares like we are absolutely doing that. I've got
• 30:05
  Speaker 4: we did that.
• 30:05
  Speaker 1: I'm on it.
• 30:06
  Speaker 4: I'm on it. I'm on it.
• 30:07
  Speaker 1: She's gonna go do research right this second. I've got
• 30:10
  Speaker 1: to go. Guys, I am Audi.
• 30:11
  Speaker 4: Before we do go, don't forget. If you do want
• 30:13
  Speaker 4: to talk all things finance, join the Facebook group. There's
• 30:15
  Speaker 4: almost two hundred and fifty thousand people in there talking
• 30:19
  Speaker 4: about shares, about investing, about budget and cash flow, and
• 30:23
  Speaker 4: just anything finance related.
• 30:24
  Speaker 1: That you coul possibly think of. We're talking about it.
• 30:26
  Speaker 4: So she's on the money on Facebook to find us.
• 30:28
  Speaker 4: Facebook's not your thing. We're on Insta. It's cute, it's fun.
• 30:31
  Speaker 4: I think it's a good time. She's on the money
• 30:33
  Speaker 4: aus to find us over there. And of course, if
• 30:36
  Speaker 4: you enjoyed the episode, we would so appreciate it. If
• 30:39
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• 30:41
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• 30:43
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• 30:45
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• 30:47
  Speaker 1: All right, guys, see you next week.
• 30:49
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• 30:58
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• 31:06
  Speaker 4: should not be relied upon to make an investment or
• 31:08
  Speaker 4: financial decision. If you do choose to buy a financial product,
• 31:12
  Speaker 4: read the PDS TMD and obtain appropriate financial advice tailored
• 31:16
  Speaker 4: towards your needs. Victoria Divine and She's on the Money
• 31:19
  Speaker 4: are authorized representatives of money. Sheper pty Ltd ABN three
• 31:24
  Speaker 4: two one six four nine two seven seven zero eight
• 31:28
  Speaker 4: AFSL four five one two eight nine