Get Rich Slow Club

Comparing ETFs sounds simple until two funds own many of the same companies but differ on diversification, dividends, fees and admin. VTS and IVV both offer exposure to US shares. VAS and VHY both focus on Australia. But similar-looking ETFs can be trying to do very different jobs.

So when two ETFs look almost the same, what actually matters?

In this episode, Anna and Tash compare VTS with IVV, then VAS with VHY. They look at what each ETF actually holds, where the overlap sits, and why more companies or stronger recent returns do not automatically make one option a clear winner.

In this episode we'll discuss:

🇺🇸 The difference between IVV's exposure to 500 large US companies and VTS's much broader slice of the US sharemarket.

🔍 Why owning thousands more companies may not change your exposure as much as you expect when the biggest businesses still dominate the fund.

💻 How concentration in America's largest tech companies shapes the diversification debate, especially as AI pushes some valuations higher.

📝 Why ETF domicile can mean extra admin, including the episode's discussion of W-8BEN forms and the difference between VTS and Australian-domiciled IVV.

💸 Why tiny fee differences can grab attention, even though holdings, structure and the role of the ETF may matter just as much.

🇦🇺 How VAS and VHY take different approaches to Australian shares, with one spreading across a broader market and the other focusing more on higher-dividend companies.

🏦 Why VHY's smaller group of holdings and heavier exposure to banks creates a different concentration trade-off from VAS.

💰 Why dividends can feel more rewarding when the cash lands in your account, and how income can become more relevant when thinking about FIRE, parental leave or time away from work.

📈 Why a strong recent run can make an ETF suddenly look more attractive, and how easy it is to start fiddling with a portfolio after seeing what has just performed well.

The big takeaway? Two ETFs can look similar on the surface and still serve different purposes. The useful comparison is not just fees or past returns, but what the fund owns, how concentrated it is, what admin comes with it and what role you want it to play in your broader investing approach.

Case Study Form

@tashinvests
@anakresina
@getrichslowclub
@pearlerhq
Get Rich Slow Club
Pearler
YouTube
How To Not Work Forever

Disclaimer:
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision.
Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide
If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.
Hosted on Acast. See acast.com/privacy for more information.

Running a business can involve a surprising number of apps, subscriptions and systems. But do you actually need a huge tech stack to get started?

Tash and Emma run through the tools they use across content, podcasts, admin, payments, email, client work and planning. They also explain which features they actually find useful, and why the fanciest option is not always the best one.

In this episode:

💻 The tools Tash and Emma use to create social content, edit videos and build presentations

🎙️ How they record, host and manage podcasts, including the different tools they have tried along the way

📋 Why tools like Trello can help keep projects, partnerships, invoices and content moving without relying on your memory

📅 How shared calendars, booking tools and video calls help them manage growing teams and busy schedules

💳 The simple ways they use accounting and payment software to manage invoices, expenses and getting paid

📧 What they have learned from using different email and newsletter platforms, and why switching tools is not always worth the effort

🤖 How AI tools are starting to fit into their businesses, from research and writing support to meeting notes and client admin

🧠 Why you probably do not need the perfect app, platform or system before you start, especially when most tools can be changed later

The big takeaway? Your business tech stack does not need to be fancy. Start with tools that solve the problems you actually have, then add or change things as the business grows. Spending months comparing software can easily become another way to avoid doing the work that matters.

Case Study Form

@tashinvests
@anakresina
@getrichslowclub
@pearlerhq
Get Rich Slow Club
Pearler
YouTube
How To Not Work Forever

Disclaimer:
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision.
Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide
If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.
Hosted on Acast. See acast.com/privacy for more information.

Ethical investing sounds simple until you actually look at what you own. A broad market ETF can give you exposure to tobacco, weapons and companies you might never choose individually. But an "ethical" fund can still hold businesses someone else would reject, charge a higher fee and draw its ethical line somewhere completely different.

So where do you actually draw the line?

In this episode, Jack and Tash unpack the uncomfortable overlap between money, values and investing. They look at why so-called sin stocks can be financially attractive, whether controversial companies can trade at a discount, how greenwashing complicates ethical labels, and why global supply chains can make even apparently positive investments difficult to judge.

In this episode we'll discuss:

🚬 The extraordinary historical performance figures raised for tobacco, and what addiction, pricing power and brand loyalty can mean for a business.

🎰 Why gambling, alcohol, tobacco and defence companies can behave differently from the broader economy, and why the investment case doesn't automatically settle the ethical question.

📦 How broad market ETFs can quietly expose investors to businesses they might never choose to own directly.

💰 Why some unpopular or taboo companies may trade at a discount, including the episode's discussion of the so-called "Grindr discount".

🌱 Why an "ethical" label doesn't necessarily tell you whether a fund actually matches your personal values.

🧼 How greenwashing and marketing can make it harder to work out what an ethical investment is really screening in or out.

🌏 Why solar panels, cobalt, banks and global supply chains can make the ethical picture far more complicated than simply avoiding a handful of industries.

⛏️ Why mining can look very different depending on whether you're thinking about jobs, essential resources, environmental damage or corporate accountability.

🤔 Whether a perfectly ethical portfolio is realistic at all, or whether the more practical question is knowing what you own and deciding where your own line sits.

The big takeaway? There may be no such thing as a perfectly ethical portfolio. What matters is understanding what you actually own, recognising the trade-offs involved, and deciding which issues matter enough to influence where you invest.

Case Study Form

@tashinvests
@anakresina
@getrichslowclub
@pearlerhq
Get Rich Slow Club
Pearler
YouTube
How To Not Work Forever

Disclaimer:
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision.
Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide
If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.
Hosted on Acast. See acast.com/privacy for more information.

What do you actually want from your money?

It sounds like a simple question. But once you have spent years saving, investing and working towards a goal, the answer can get surprisingly complicated.

In this episode, Tash and Ana get candid about the money decisions they are thinking through right now. From FIRE and business to family, career, travel and lifestyle creep, they unpack what happens when money gives you more options, but not necessarily more clarity.

In this episode:

🔥 Why getting closer to FIRE can make you question whether you still want to sprint towards the finish line

💼 The pull between keeping a secure, flexible job and taking a bigger chance on your own business

👨‍👩‍👧 How kids, parental leave and unpaid care can change the way you think about work, time and financial independence

⏳ Why having the money to take a risk does not always make the decision easier

🎯 How goals like FIRE, follower counts or career milestones can become numbers you chase without stopping to ask what comes next

💸 Why Tash is thinking more carefully about spending as business income changes and responsibilities grow

📈 How lifestyle creep can quietly raise the bar on how much money feels like “enough”

🤝 Why shared financial goals can get more complicated when partners are at different stages of work and life

🌏 Why building wealth is not only about reaching a number, but also about creating more freedom to use your time well

🧠 Why even people who know the maths can still wrestle with fear, uncertainty and changing priorities

The big takeaway? Money can give you more choices, but that does not mean the right choice becomes obvious. At some point, the question can shift from “How much more do I need?” to “What do I actually want this money to let me do?” Your goals can change as your life changes, and revisiting the plan can be part of the process.

Case Study Form

@tashinvests
@anakresina
@getrichslowclub
@pearlerhq
Get Rich Slow Club
Pearler
YouTube
How To Not Work Forever

Disclaimer:
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision.
Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide
If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.
Hosted on Acast. See acast.com/privacy for more information.

Networking can still bring up images of awkward events, name tags and forced small talk. But in modern business, it can look a lot more natural than that.

Tash and Emma unpack how they have built useful relationships through social media, events and their wider business communities. They also explore why networking tends to work best when you focus on relationships first, rather than what you can get from someone.

In this episode:

🤝 Why networking does not have to mean walking into a room full of strangers and handing out business cards

📱 How social media can help you build familiarity with people long before you ever meet them in person

🌱 Why strong business relationships can take years to turn into opportunities, partnerships or introductions

🪜 The difference between networking with people ahead of you, people at a similar stage and people earlier in their journey

👥 Why building relationships with your peers can sometimes be more useful than only trying to meet the biggest names in your industry

💬 How asking thoughtful questions and showing genuine curiosity can make conversations much easier and more memorable

🙋 Why specific questions tend to get better responses than broad requests like “How do I start?”

🧠 How avoiding networking can compound over time, and why showing up can make future opportunities and conversations easier

The big takeaway? Good networking is less about collecting contacts and more about building genuine relationships over time. Be curious, be useful and stay connected. You may not know where a conversation will lead, but the relationships you build today can create opportunities years down the track.

Case Study Form

@tashinvests
@anakresina
@getrichslowclub
@pearlerhq
Get Rich Slow Club
Pearler
YouTube
How To Not Work Forever

Disclaimer:
Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision.
Pearler is an Authorised Representative 1281540 of Sanlam Private Wealth Pty Ltd AFSL 337927. Read the FSG available from https://pearler.com/financial-services-guide
If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.
Hosted on Acast. See acast.com/privacy for more information.