Jellyman Investing - Personal Finance for Australians
Jed Guinto
If you're an Aussie (A.k.a Australian) and looking to get control of your debt, or maybe learn about investing in the stock market, possibly real estate investing, then you've come to the right place. My name is Jed Guinto and this is Jellyman Investing!!
The origins of this podcast name will be explained in due course! Many years ago, I was broke and deep in 5-figure debt. I didn't know anything about finances, didn't know how credit cards worked, had no savings and the thought of one day buying my own property was just wishful thinking.
Maybe you're going through some of this. Fast forward 5 years and everything has changed. No more debt, no more credit cards, 5 figures investments in the stock market, I have my own property and a passive income. All in 5 years. Is this something you'd like to achieve?
My goal to teach you how to get control of your finances, teach you secrets and techniques we've personally used to take our lives back from Banks and institutions charging us exorbitant fees, real estate agents using fancy jargon to confuse you and finally, social media pressuring you to make financial decisions you don't understand. Welcome, to Jellyman Investing!
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S01_E20 - Basic Principals of Investing in Individual Companies
Jellyman Investing - Personal Finance for Australians
01/19/24 • 16 min
https://www.patreon.com/Jellyman_Investing
If you haven't researched Index Funds, I suggest you start there before investing in individual companies. Should you be brave enough and willing to do the work, you can invest in individual companies. Long term they can potentially provide significantly higher rewards. But remember. With higher reward, comes greater risk.
Don't do any of those things. Those ideas are exactly why I do finance and not a course on finding love.
When selecting individual companies we have to understand a few key concepts. We invest in individual companies because we'd like to make more money. But more money than what? We need to couple risk and reward.
If you had two investments both with identical returns, yet one had much more risk than the other. Which would you choose? It's a no-brainer. We choose the one with less risk as it has a higher chance of paying off.
To apply this, we need to benchmark the investment against something. Index funds are the way to go. A wide market index fund such as Vanguard Total U.S. Stock Market which mirrors the S&P500 in the U.S. can typically grow somewhere between 7-11% each year with a 2% dividend. It is a relatively low risk by the very nature of it being an index fund.
Therefore, when selecting an individual company it needs to have equal or less risk (or volatility) than that of the Index fund whilst providing significantly more return. Otherwise, why take the risk?
Next, we need to think about specific aspects that make an investment attractive long term. The key word is 'long term'. That is because we want enough time for Compound Growth to occur.
If you're not sure about Compound growth there's an article on my Patreon that goes through it.
If a company has little chance of making it into the future, our money will not grow. This leaves us with fewer options to choose from. Primarily strong, robust companies that have a good track record. We're not interested in newcomers that have yet to prove themselves. This track record also shows us that they can consistently generate profits and manage their business well.
Next comes competitive advantage. Would you drink any other Coke than Coca Cola? Do you always buy an iPhone no matter how much it costs?
Companies with strong brands and a competitive advantage can increase the price of their products with inflation. Those that can't are typically industries where it's a race to the bottom. These include airlines where the cheapest flight wins. Petrol and Gas stations.
The next factor is consistency. We want to see consistent performance. This can be done several ways as the internet has made it very easy. We look at earnings, revenue, profit, debt, cash flow and more. We want to ensure no erratic behavior.
Finally, we want to ensure we understand the company and the industry it's in. If you're an accountant who knows nothing about fashion, don't invest in fashion brands no matter how good the previous factors look. Reason is that when things change in the market in that industry, or the company itself has dropped in the share price, you won't understand why.
Whereas investing in areas you understand, gives you such an edge that you can smell false news a mile away.
Conclusion
These are just some basic things I look for when starting to research potential companies to invest in.
S01_E07 - The Gold at the End of the Rainbow
Jellyman Investing - Personal Finance for Australians
01/07/24 • 18 min
https://www.patreon.com/Jellyman_Investing
When you get your financial affairs in order, when you educate yourself to the point where regardless of what's happening in the economy you still make money or protect yourself and your family, you've won the game of life. It's not that hard, just takes time.
Before I get on with this episode, a reminder that I have a Patreon page where you can read articles, download spreadsheets, get internet resources, watch tutorial videos and even chat with me. It's free to join so sign up today. The link is:
Patreon.com/Jellyman_Investing
Also, a disclaimer, that I am not a financial advisor, please consult with a professional before making any financial decisions. On with the episode.
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Right now you make be broke, in debt, no savings, no house, whatever. Things could be bad for you? I mean is it worth trying to get all my financial affairs in order? What's at the end of the rainbow here?
So to get you motivated and excited about the future let's talk about what your life could be like once you achieved many of your large financial goals. Here's some of the advantages.
You're not worried about not getting your paycheck that week.
You're not worried about unpaid leave.
You're not worried about slightly higher bills.
You're not worried about unexpected expenses.
You're not fearful that you can't provide for your children.
You don't care about change home interest rates.
You don't check the price of food on menus.
You can buy what you want, when you want and however much you want.
You can flight first class.
You spend and enjoy life, and yet your assets still grow in value.
You don't care which party is in Government.
You can capitalize on market downturns.
You can sleep at night knowing your investments are conservative
You've managed your investment risk such that downturns don't scare you.
You can pay your house off soon.
The list goes on. The point is, these are all extremely exciting things. You may not get all of them, but what's important to understand is how these things unfold.
You don't wake up one day and 10 of these are suddenly true. What tends to happen, is that you achieve one which frees up capacity to achieve the next.
S01_E06 - Understanding Compound Interest
Jellyman Investing - Personal Finance for Australians
01/05/24 • 12 min
https://www.patreon.com/Jellyman_Investing
There was once a king who was to pay a farmer for his work. He asked how much he'd like to get paid. The farmer replied saying, place two coins on the first square of the chess board. Then double the number of coins when you go from one square to the next.
First there was 2, then 4, then 8 and so on. Can you guess how many coins there are by the time he reaches the end of the chess board?
Before I get on with this episode, a reminder that I have a Patreon page where you can read articles, download spreadsheets, get internet resources, watch tutorial videos and even chat with me. It's free to join so sign up today. The link is:
Patreon.com/Jellyman_Investing
Also, a disclaimer, that I am not a financial advisor, please consult with a professional before making any financial decisions. On with the episode.
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The article explains compound growth, a key concept in investing where money earns more money, eventually outpacing expenses and leading to financial freedom. This can be achieved through various investment avenues like stocks, index funds, real estate, or business ownership.
The concept is similar to how credit card interest works. If only minimal payments are made, the interest accumulates, leading to an ever-increasing debt. This compounding effect can turn a small debt into a large one over time, illustrating how banks make money and the dangers of credit card debt.
The article then applies this concept to investing. For instance, investing in a company like Apple allows the investor to benefit from the company's growth, which in turn increases the investment's value. The goal for long-term investors is to have investments that grow more than their annual expenses.
An example is provided to illustrate this: investing $1M in stocks that grow by 10% annually. By withdrawing $100k each year, the investor maintains the principal amount while benefiting from the growth.
The article emphasizes the power of compound growth and how even a small change in the growth rate can significantly impact the investment's final value. It also highlights the importance of choosing the right investment vehicles, like superannuation funds with minimal fees, as small differences can lead to substantial gains or losses over time.
Finally, the article promises to explore further topics like investment choices, risk assessment, and the role of age in investment strategies in future discussions.
S01_E05 - Tips on How to Save
Jellyman Investing - Personal Finance for Australians
01/05/24 • 11 min
https://www.patreon.com/Jellyman_Investing
Once your accounts are set up and put into autopilot, its time to get efficient. You'll come to understand that when it comes to investing, it's not necessarily the amount you earn or the amount you invest, it's the time you stay invested.
Before I get on with this episode, a reminder that I have a Patreon page where you can read articles, download spreadsheets, get internet resources, watch tutorial videos and even chat with me. It's free to join so sign up today. The link is:
Patreon.com/Jellyman_Investing
Also, a disclaimer, that I am not a financial advisor, please consult with a professional before making any financial decisions. On with the episode.
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To illustrate the impact of extra repayments on a home loan, consider a $500k house purchased with a 100% bank loan, a 30-year term, and a 5% interest rate. Monthly repayments are about $2,700, totaling $466k in interest over 30 years, nearly doubling the house's cost.
Adding an extra $200 per month reduces the loan term by nearly 5 years and saves about $80k in interest. Increasing the extra payment to $500 monthly saves $150k in interest and cuts almost 10 years off the loan.
Building wealth isn't about sudden windfalls or high salaries; it involves small, consistent habits over time. Making minor lifestyle adjustments can significantly affect loan repayments. For example:
1. Reducing utility bills and switching to energy-saving bulbs.
2. Being more efficient with food consumption.
3. Using an electric scooter for short trips.
4. Making coffee at home.
5. Choosing a bank with no account fees.
6. Reducing streaming services and Uber Eats usage.
These savings, potentially totaling $300 monthly, can accelerate mortgage repayment, increase savings, or build an emergency fund. Additional income sources, like tax returns, bonuses, or side jobs, further contribute to this strategy.
Managing small amounts effectively prepares for handling larger sums. The same principles apply whether dealing with $50 or $50,000. It's about developing a mindset from the ground up. Wealth often accumulates subtly, and how one manages small savings can influence their overall financial growth and ability to build wealth sustainably.
S01_E04 - Willpower and Structuring your Accounts
Jellyman Investing - Personal Finance for Australians
01/04/24 • 13 min
https://www.patreon.com/Jellyman_Investing
Welcome to another episode here at Jellyman Investing where we'll be talking about building your foundation. That means, learning how to structure and automate your accounts so that you don't over spend, you have a better understanding of where the money is flowing and most importantly, slowly and steadily build your savings to the coveted 6-12 month target.
Before I get on with this episode, a reminder that I have a Patreon page where you can read articles, download spreadsheets, get internet resources, watch tutorial videos and even chat with me. It's free to join so sign up today. The link is:
Patreon.com/Jellyman_Investing
Also, a disclaimer, that I am not a financial advisor, please consult with a professional before making any financial decisions. On with the episode.
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In the past, many people, including myself, managed finances through a single bank account, making it hard to track spending, bills, and savings. This approach often leads to overspending and unclear savings growth.
The game-changer for me was learning about account structuring and automation from "Barefoot Investor." Automating finances reduces reliance on willpower and provides clear visibility on each account's growth.
Most banks offer multiple accounts through their apps. A basic structure includes four accounts, but customization is encouraged for individual needs.
1. Everyday Spending: For daily expenses like lunch and transport.
2. Enjoyment: Allocating funds for leisure without overspending.
3. Short to Mid-term Goals: Saving for things like weekend trips or special purchases.
4. Emergencies: The most crucial account for unexpected, large expenses. It's important to prioritize this fund to avoid setbacks.
For instance, if unexpected expenses average around $1,000, aim to save $2,000-$3,000 in the emergency fund. Once this target is met, allocate more to other accounts.
Many people spend their paycheck without saving effectively. Scheduled payments in banking apps can help allocate specific amounts to each account based on income and expense understanding.
This system resembles the Japanese practice of using labeled envelopes for budgeting. Expanding beyond four accounts for specific expenses like bills, insurance, or pets ensures funds are always available for each category. Surplus funds in these accounts act like mini savings accounts, gradually growing.
This practice is crucial regardless of income level, from $2,000 to $50,000 a month. Efficiently moving money to where it's needed prepares you for more complex financial ventures like investing and real estate.
S01_E03 - Debt, Credit Cards and Personal Loans
Jellyman Investing - Personal Finance for Australians
01/03/24 • 11 min
https://www.patreon.com/Jellyman_Investing
There is nothing I hate more than Credit Cards and Personal Loans. Many times designed and marketed to prey on the weak of our society to keep them down, low and poor. Generating billions of revenue for banks at interest rates that are utterly ridiculous and difficult to understand.
Before I get on with this episode and vent like crazy about credit cards, a reminder that I have a Patreon page....
Patreon.com/Jellyman_Investing
where you can read articles, download spreadsheets, get internet resources and even chat with me. It's free to join.
Also, a disclaimer, that I am not a financial advisor, please consult with a professional before making any financial decisions. On with the episode.
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Before making any investments or significant purchases, it's crucial to eliminate debt, especially from credit cards or personal loans. These debts act like a hole in a ship, hindering progress regardless of other factors.
Debt, especially with high interest rates, impedes financial growth. Many only pay the minimum on credit cards, which barely reduces the principal, the original borrowed amount. This results in most payments going towards interest, with interest continually growing due to ongoing spending.
Many aren't aware of their interest rates and are shocked when they realize how much they've paid. As debt grows, banks frequently contact debtors, contrasting with their usual unavailability.
To address debt, consolidating loans through a balance transfer can be effective. For instance, if you owe $5,000 on each of three credit cards from different banks, a bank like ANZ can consolidate this debt. This means you now owe ANZ $15,000 instead of the three original banks.
The advantage is that ANZ may offer 0% interest on the consolidated debt, compared to the high rates of the original banks. This allows payments to fully reduce the principal. However, this 0% interest is usually temporary, often for 12-18 months, and may involve transfer fees. After the promotional period, a higher interest rate may apply.
The key to success with this strategy is having a plan to pay off the debt before the low-interest period ends. This approach requires discipline but is vital for financial success. The first step towards building a sound financial plan is to get out of debt.
S01_E02 - Developing your Money Mindset and Forgiving your Past Self
Jellyman Investing - Personal Finance for Australians
01/02/24 • 6 min
https://www.patreon.com/Jellyman_Investing
Before we begin on this wonderful journey of personal finance, a few things. Firstly, I have a Patreon page set up specifically so people can read these podcasts in article form, but there'll also be downloadable files, video tutorials and more. Simply because trying to explain a certain things through a podcast can be challenging and I have been requested to provide the spreadsheets I use, websites I frequent to assess housing and more. It's free to join and it's the perfect way for you to reach out and chat to me as well.
The URL is patreon.com/Jellyman_Investing
Let's get on with the episode.
If you've lived a life similar to mine which is reaching your late 20's and having no savings and possibly even being in debt, it can be challenging to start thinking positively or even believing it's possible to live a debt-free life where you're not constantly worried about finances.
Trust me though, it is possible because I've done it and so can you. Not only will I provide you with knowledge but I'll be your personal cheerleader. I'll wear the skirt if I have to. That's how committed I am to you.
Becoming financially positive after these setbacks is a lot like getting back into the dating game after having your heart broken. You're a little deflated, your hairs a mess, socks don't match, and you've lost belief that you'll find your Ryan Gosling or as it was in my case, my Rachel McAdams.
But finances, just like in dating don't get better just sitting on the couch. It's time to hit the gym, giving up the coke (coca cola I'm referring to, not the other kind), getting a haircut and quite simply going outside and getting some fresh air.
I'm serious, take the next 20 seconds and take the deepest 3 breaths of your life. I'll do them with you.
Close your eyes, stop what you're doing (Unless you're driving or holding a baby), and I'm serious take 3 deepest breaths you've ever taken in your life!!!
Through the nose, out the mouth. Let those shoulders drop.
Through the nose, out the mouth.
Through the nose, out the mouth.
Today is the day that the old you is no more. Built into our brains is a small lizard part known as the amigdala. It is remnants of our cave dwelling days where our goal was to search for food, find shelter, procreate, oh and that's right....NOT GET EATEN BY TIGERS AND BEARS!
Built into our brain is the fear that things will never change or that whatever we do attempt will fail and we'll make a fool of ourselves. It's time to tell that part of your brain, to go to hell. That you're in charge now and that no matter, we will conquer the road ahead.
This all starts by forgiving yourself. To forgive your parents for not teaching you. To forgive the schools for not training you. To forgive past managers and boss that didn't take care of you. This is all holding you back. It's keeping you in this state and it's time to break free.
All the decisions and experiences of that past that have lead you here, is now in the past. These emotions are holding you back from the future. It's like a crazy ex-girlfriend that just keeps texting you. It's time to block her number, change your address, change your name, move to Hawaii and grow a beard.
From this moment forward, we will be focused on learning. On discovery. On getting stronger and more capable. On building our confidence and courage so that we can live a life of joy, opportunity and colour.
3 deep breaths. That's all it takes. Let's go.
S01_E19 - Variable vs Fixed Mortgage Structures
Jellyman Investing - Personal Finance for Australians
01/18/24 • 15 min
https://www.patreon.com/Jellyman_Investing
When you purchase a house you'll have to choose between Variable or Fixed. This refers to how interest rate structure of the life of your loan. Deciding which is best depends on your long-term goals.
Fixed-rate home loans are particularly appealing due to their initial stability and predictability. They allow homeowners to lock in an interest rate for a period, usually between one to five years, resulting in consistent monthly repayments. This fixed period offers a shield against immediate fluctuations in the market, a boon during uncertain economic times.
However, this apparent stability can be deceptive, especially when low fixed rates are used as lures to attract new customers. For instance, during the COVID-19 pandemic, interest rates plummeted to as low as 2% as part of the Reserve Bank of Australia's efforts to stimulate the economy. This dramatic drop led to an influx of customers locking in low rates, under the assumption that their repayments would remain constant.
The challenge arises in the lack of understanding about the impact of interest rate changes. For example, on a $600,000 loan at a 2% interest rate, monthly repayments would be around $1,800. However, when interest rates spiked to nearly 7%, repayments jumped to over $3,300. Such an increase can be financially crippling for many, as they may not be able to afford the higher repayments once the fixed term ends and rates revert to higher variable rates.
Variable Interest Rates: Flexibility and Uncertainty
Variable interest rates, while offering flexibility, are susceptible to changes influenced by the Central Bank's policy decisions. The primary advantage of variable-rate home loans is the ability to make unlimited additional repayments, which can significantly reduce the overall interest payable and shorten the loan term.
However, the risk of variable rates lies in their unpredictability. Rates can increase based on economic conditions, leading to higher monthly repayments. This can pose a challenge for budgeting and financial planning, especially in volatile economic climates.
With a Variable rate structure, you can make unlimited additional repayments whereas in Fixed rates, you are capped. Which, if you’re in a position to make large additional payments, you would not be able to under a fixed structure.
With Variable, you’re susceptible to increases in interest rates, but also can benefit from drops in interest rates in good times. If you sign on to a fixed rate at 5%, and market rates drop, you stay at 5%. Whereas in a variable structure, you’ll enjoy the rate drop.
Key Considerations for Homeowners
The essential factor for homeowners is to prepare for future rate changes, regardless of the initial appeal of a low fixed rate. It's vital to assess not just the current affordability but also the potential for increased repayments in the future. This involves considering a 'buffer' to accommodate potential rate hikes and ensuring that your finances can withstand realistic interest rate changes.
Final Thoughts
In deciding between variable and fixed interest rates, Australian homeowners must weigh the predictability and stability of fixed rates against the flexibility and potential savings of variable rates. Understanding the impact of interest rate changes on monthly repayments is crucial. Homeowners should not only look at the present benefits of a low fixed rate but also prepare for the eventual return to higher variable rates.
S01_E18 - Understanding the Role of a Broker in First-Time Property Purchases
Jellyman Investing - Personal Finance for Australians
01/17/24 • 13 min
https://www.patreon.com/Jellyman_Investing
The journey into first-time property ownership often presents a labyrinth of complexities, from dodging aggressive real estate agents to navigating through the myriad of mortgage options from various banks.
And the best part? They’re free!
What is a Real Estate Broker?
A real estate broker is not just an intermediary in property transactions but a pivotal figure in your journey to homeownership. Choosing a good, reputable broker is essential - akin to selecting a life partner in marriage. The importance of this phase cannot be overstated.
A proficient broker knows how to negotiate favorable rates, complete paperwork efficiently, evaluate your finances to determine your purchasing power, manage risks, educate you on economic changes, and provide early access to government programs and grants.
The best way to gauge a broker's performance is by asking for feedback from individuals who have recently bought a house. This level of diligence in selecting the right broker can make a significant difference in your property-buying experience.
Key Responsibilities of a Broker in First-Time Purchases
- Market Knowledge and Property Identification: They offer insights into the real estate market and assist in finding the right property.
- Financial Guidance and Price Negotiation: Brokers provide financial advice, suggest financing options, and handle price negotiations.
- Property Viewing and Evaluation: They arrange viewings and evaluate the property’s condition and potential issues.
- Legal and Regulatory Guidance: Brokers navigate the legal procedures and ensure compliance with property laws.
- Managing Transactions and Closing Deals: They oversee the entire transaction process, ensuring a smooth closing.
- Expertise and Experience: Brokers bring valuable knowledge and experience to the table.
- Time and Stress Reduction: They streamline the property search and reduce the stress involved in negotiations.
- Professional Network: Access to a broker’s network can be crucial in finding the right property and deals.
- Representation and Advocacy: A broker advocates for your interests throughout the process.
When selecting a broker, consider their reputation, experience, local market knowledge, and reviews from previous clients. It’s essential to choose someone who aligns with your needs and whom you trust.
Final Thoughts
For first-time buyers, a broker is an indispensable ally in the journey to homeownership. Their expertise and guidance can demystify the complex world of real estate, ensuring you make informed decisions. Remember, the right broker can turn the daunting dream of owning a home into a manageable and rewarding reality.
S01_E17 - Building 6-12 Months of Savings and Buying your First Home
Jellyman Investing - Personal Finance for Australians
01/16/24 • 11 min
https://www.patreon.com/Jellyman_Investing
I want to talk about the journey towards buying your first home. It starts by paying off debt and building your savings. It's really easy to fall off the bandwagon when it comes to getting your finances under control.
- Set up your automation and accounts for everyday expenses.
- Build your 6-12 months of emergency savings.
- Begin investing in index funds.
- Meet with a broker to assess your financial position relative to how much you'd like to borrow.
- Readjust your borrowing power based on rising interest rates.
- Build an additional buffer for post-home purchase (ensures you have enough left over just in case).
- Buy a house.
The automation in step 1 will automatically push money towards your savings account. What some people do is create a whole new bank account with a different bank and have the money transferred there. This account has no associated card, which removes the temptation to spend it.
Let's add time to the equation. What tends to happen when you've automated your accounts is that it just happens in the background. Before you know it, you've built up enough savings. You might think that the next step is to buy a house. But I actually think people should invest first.
Now, before you start telling me it's risky, hear me out. Index funds, which are a basket of stocks that allow you to become automatically diversified, are relatively low risk and have good returns, even in bad economic times. You can even buy index funds specifically tied to property.
Because it now takes much longer to save for a house, while you wait for the best time to strike, the value of your stocks goes up. In fact, in my personal situation, after I had my 6-12 months saved up, I began buying stocks each month. But it took a few years before the timing was right to get a house. In those few years, I ended up accruing an additional $15k in stock value, which I could sell to buy my house.
Luckily for me, during the time I was buying stock, I was still diverting some of my funds towards saving for a house. After meeting with a broker, he told me I actually had enough in my savings to buy a house, which meant I could leave the stocks to keep growing and still buy a house.
This is a win-win situation and gives me a number of options. If I suddenly need cash, I can always liquidate some of my stocks (which I've never had to do). By leaving my stock, it can just grow. Another win for me.
Moving my savings towards property means the money in my home is now growing as well. Any renovations I do also build equity.
Now, I have mentioned a few times that having equity sounds good on paper, but it's not real money until you sell the asset. That is true. But the way I like to think about finances is to try and have a win scenario for every situation.
If the stock market crashes tomorrow, I have cash on standby to purchase stocks at a discount. If the market instead jumps, I already have stocks to ride the wave. If housing prices go down, it's fine because I already have a home to live in. If they go up, my equity increases. If I lose my job, I have several other income streams.
Every which way you look at it, I have some form of protection. That is true security. Just because it says 'full-time' on your job contract, doesn't mean you have security.
So take it
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FAQ
How many episodes does Jellyman Investing - Personal Finance for Australians have?
Jellyman Investing - Personal Finance for Australians currently has 20 episodes available.
What topics does Jellyman Investing - Personal Finance for Australians cover?
The podcast is about Australia, Real Estate, Investing, Personal Finance, Podcasts, Australian, Finance, Education and Business.
What is the most popular episode on Jellyman Investing - Personal Finance for Australians?
The episode title 'S01_E20 - Basic Principals of Investing in Individual Companies' is the most popular.
What is the average episode length on Jellyman Investing - Personal Finance for Australians?
The average episode length on Jellyman Investing - Personal Finance for Australians is 12 minutes.
How often are episodes of Jellyman Investing - Personal Finance for Australians released?
Episodes of Jellyman Investing - Personal Finance for Australians are typically released every day.
When was the first episode of Jellyman Investing - Personal Finance for Australians?
The first episode of Jellyman Investing - Personal Finance for Australians was released on Jan 1, 2024.
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