Teaminvest Wealth Builders

In this episode of Wealthy & Wise, we look at what drives share prices and returns.We break down the relationship between earnings, sentiment and returns, and what it means for investors trying to build long-term wealth.Teaminvest's Andrew Coleman and Sanjee Narendran walk us through their Conscious Investor platform for a deep dive into how to spot a winner and when to bail out by assessing earnings and share price.They look at where price and earnings are aligned, where they diverge and what that means for investors.Their thesis is a simple framework: share prices are driven by two components – earnings per share and price-to-earnings (PE) ratio – and this is what value investors should focus on.Stocks discussed: Visa, Mader Group, Bapcor, KMD Brands, Tesla, BlueScope Steel, Next DC, Smartgroup, Technology One, Pro Medicus, Jumbo Interactive, CSL, Data#3, Clinuvel Pharmaceuticals, Codan.🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Inflation is back on the agenda, but are you treating it as noise, or a core part of your portfolio strategy as a value investor?This episode of Wealthy & Wise looks at how rising prices may reshape returns for investors, which sectors cope best, and which sectors to avoid.Because not all companies are created equal when costs are rising.We hear from Andrew Coleman from Teaminvest, economist My Bui from AMP and John Birkhold from TWC Invest.Jumbo Interactive (ASX:JIN), REA Group (ASX:REA) and Carsales (ASX:CAR) are cited as examples of businesses whose fees rise with transaction values, making them potential inflation beneficiaries.On the risk side, the danger zones in an inflationary, higher‑rate environment include fixed‑price contractors and REITs such as Stockland (ASX:SGP), Charter Hall (ASX:CHC), Goodman Group (ASX:GMG) and engineering firm Worley (ASX:WOR); highly competitive retailers like Harvey Norman (ASX:HVN); regulated players including AGL Energy (ASX:AGL), Origin Energy (ASX:ORG), IAG (ASX:IAG), Suncorp (ASX:SUN) and QBE Insurance (ASX:QBE); cyclical exposures such as the major banks and unprofitable, debt‑laden companies facing rising funding and capex costs.🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Markets are meant to reflect company fundamentals, but what if prices are increasingly being driven by something else?In this episode of Wealthy & Wise, we hear how the rise of structural forces like passive investing, index funds and algorithmic trading are shaping and sometimes distorting the market.We hear from Teaminvest's Andrew Coleman, Mark LaMonica from Morningstar, and Angus Geddes from Fat Prophets.Andrew Coleman says passive investing has been both an evolution and a distortion, and he points to the "index effect" where index returns offer premiums compared to the rest of the market, but which are unsustainable.Passive investing has delivered benefits including low-cost and diversified exposure, often outperforming active fund managers. However, it also contributes to problems like inefficient capital allocation, bigger bubbles and crashes, and more volatility.So what can value investors do? While short-term market movements may be driven more by flows and sentiment, long-term returns still depend on fundamentals. Our experts say focus on strong businesses, avoid crowded trades, and take advantage of mispriced opportunities, especially in less-followed areas of the market.🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

In this episode of Wealthy and Wise, Nadine is joined by Andrew Coleman from Team Invest and Ryan Joyce from Magellan to unpack one of the biggest themes in investing right now: megatrends.From artificial intelligence and electrification to ageing populations and digital transformation, megatrends can reshape industries and create enormous long-term growth. But they can also tempt investors to overpay for exciting stories.This episode explores how value investors can think clearly about powerful long-term themes without getting swept up in hype, why market sentiment often overshoots reality, and how patience can create better investment opportunities.In this episode:What a megatrend actually is from an investment perspectiveWhy investors are naturally drawn to big growth narrativesThe difference between a real long-term trend and short-term market hypeHow the Gartner hype cycle helps explain investor behaviourWhy markets often price megatrends too quicklyThe role of quality businesses in capturing long-term thematic growthHow megatrends can create winners while disrupting incumbentsWhy value investors should focus on price, patience and business qualityWhat sector rotation tells us about sentiment and valuationWhy buying into a hot trend at a high PE can still lead to poor returnsViewer Q&A: Is it reasonable to feel FOMO after missing gold or BHP’s run?Key themes discussed:Artificial intelligenceElectrificationAgeing populationsDigital transformationMarket sentimentMean reversionValuation disciplineLong-term investingTimestamps:00:00 – Introduction: What are megatrends?01:30 – Defining a megatrend and why investors care05:00 – Why markets are drawn to powerful narratives08:30 – The mismatch between megatrends and valuation12:00 – The Gartner hype cycle and investor psychology16:00 – Looking for enablers, not just headline stocks20:00 – Disruption risk and company-by-company analysis25:00 – How value investors think about megatrends30:00 – Sector leadership changes and market sentiment36:00 – Why low-PE quality stocks often outperform42:00 – Mean reversion explained simply46:00 – Viewer question: Missing out on gold and BHP*Partner content🎧 Available on YouTube, 🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

In this episode, we once again showcase Wealthy + Wi$e, our collaboration with ausbiz. We look at whether you really can pick "unicorns". The challenge is that unicorns are only obvious in hindsight, but dogs are easier to identify early.A unicorn is a company that gives extraordinary long term returns, but you usually only realise it's a unicorn down the track.But dogs are easier to spot. The warning signs include companies that have never made a profit, shrinking earnings, too much debt, and management with a track record of poor or unethical decisions, or illegal activity.Star Entertainment is a case in point.And there are more dogs than you think. In fact, more than half of the companies on the ASX are loss making.We hear from Teaminvest's Andrew Coleman, Brian Han from Morningstar, and Marc Whittaker from IML. Their advice is to avoid dogs and don't chase unicorns, because avoiding bad companies is easier than finding stars.They tell us who they see as dogs and who they see as unicorns among these stocks: Myer (ASX:MYR) , EML (ASX:EML), Star (ASX:SGR), Healius (ASX:HLS), TechnologyOne (ASX:TNE), REA Group (ASX:REA), Cleanaway (ASX:CWY), and Jumbo (ASX:JIN).*Partner content🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

In this episode of Wealthy & Wise, the team takes a look at reporting season through the lens of a value investor.We hear from Teaminvest's Howard Coleman and Sanjee Narendran. And The Motley Fool's Scott Phillips gives his take on reporting season winners and losers.The Teaminvest approach to reporting season is to focus on a narrow list. Rather than tracking thousands of companies, they focus on 30 to 50 businesses they understand deeply. They chose price over panic by using volatility to their advantage. By calculating a required rate of return in advance, Teaminvest sets target prices. If a stock's price drops because of market overreaction, they buy more. And they prioritise how a business will perform over the next five years, rather than the next five days.And another Teaminvest strategy is the importance of not deploying your capital too early. Because many opportunities appear through the reporting window, there is value in spreading out purchases to capitalise on late season bargains.Companies discussed include JB HIFI (ASX: JBH), Wesfarmers (ASX:WES), Coles (ASX: COL), Woolworths (ASX: WOW), Monadelphous (ASX: MND), Codan (ASX: CDN), and Data#3 (ASX: DTL).*Partner content🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Diversification is one of investing's most repeated mantras, but are you doing it right? In this episode of Wealthy & Wise, we sit down with Andrew Coleman from Teaminvest, David Sokulsky from Carrara Capital, and Rob Gilmore from Wealth Simplicity to cut through the theory and get practical on one of investing's most misunderstood concepts.From Markowitz's 1950s mean-variance framework to real-world portfolio construction, the panel unpacks the difference between market risk and company-specific risk, why correlation matters more than the number of stocks you hold, and whether 20 well-chosen companies can outperform a bloated 50-stock portfolio.They also tackle the questions investors actually wrestle with: Can you be fully diversified within Australian equities alone? When does diversification start destroying returns? And how does your personal circle of competence determine how concentrated your portfolio should be?Plus, a viewer question on the eternal dilemma... when exactly do you pull the trigger on buying or selling a stock?Whether you're a seasoned value investor or building your first portfolio, this episode will challenge how you think about risk.*Partner content🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Volatility is one of the most misunderstood concepts in investing. It’s often treated as synonymous with risk... but is that really true?In Episode 3 of Wealthy & Wise, we unpack what volatility actually measures, why markets react so sharply to deviations from expectations, and whether price swings always signal danger. From an academic lens, we explore how volatility is calculated, why finance theory treats upside and downside surprises the same way, and how incentives — from executive pay structures to fund manager performance pressure and passive flows — can amplify market swings.But theory is only half the story.In our Head-to-Head segment, the debate turns practical. Andrew Coleman of Teaminvest argues that not all volatility is created equal: volatility of earnings destroys value, while volatility of price can create opportunity. Through real stock examples — including Coles (ASX: COL), Bapcor (ASX: BAP), Data#3 (ASX:DTL) and TechnologyOne (ASX: TNE) — we examine when stable earnings paired with volatile prices can offer disciplined investors an edge, and when seemingly “safe” stocks may hide fundamental risk.The episode challenges a simple but powerful assumption: should investors fear volatility — or learn to interpret it better?If markets feel unpredictable right now, this conversation will help you distinguish between noise and genuine risk — and think differently about what volatility means for your portfolio.*Partner content🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Interest rates shape every investment decision, yet their impact on companies is often misunderstood. In this episode of Wealthy + Wise, ausbiz's Nadine Blayney is joined by William Buck chief economist Besa Deda and Teaminvest’s Andrew Coleman to unpack what a rising-rate environment really means for investors.The program begins with the macro picture. Besa explains the outlook for interest rates, how higher borrowing costs are flowing through to consumer and business confidence, and what the Reserve Bank is ultimately trying to achieve by tightening policy. Is the goal to cool demand, reset inflation expectations, or something more structural? And how should long-term investors read those signals? From there, the conversation turns to valuation. Andrew Coleman walks through the very different ways rising rates affect growth investors versus value investors. Using clear, real-world examples, he shows how higher discount rates can materially change the price a growth investor is willing to pay, even when nothing about the underlying business has shifted.The Head to Head segment brings two distinct investment philosophies into sharp focus. Fund manager Michael Carmody from Centennial Asset Management outlines a flexible, risk-first approach, he says while most of the fund’s alpha has come from small caps, he argues protecting capital through the cycle matters more than chasing every rally.With rates expected to keep rising, Michael is blunt about where he doesn’t want to be: interest-rate sensitive sectors such as banks, non-bank lenders and property trusts, where higher funding costs and softer demand squeeze earnings. Retail, too, deserves caution as consumers pull back.Andrew Coleman counters with a more concentrated, long-term lens. If a portfolio is built around 20–30 companies chosen to be beneficiaries across cycles, a change in rates shouldn’t alter the investment case. The key is balance sheets and moats as heavily indebted businesses are vulnerable, but resilient franchises can keep compounding regardless of macro noise.The debate highlights the tension between earnings risk and sentiment risk and how different styles navigate the same storm.*Partner content🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Wealthy + Wise is a new program designed for investors who want to think more clearly about markets, not react more quickly to them. Built around Teaminvest’s disciplined approach to value investing, the series steps away from hot tips and daily noise to focus on something far more useful: how to understand businesses and make rational, long-term decisions.Each episode breaks down what “value” really means. We explore the difference between price and value, investing and trading, and why the best opportunities are rarely obvious on the surface. Rather than relying on jargon, the conversation follows a practical framework — looking at companies through three lenses: the deep-value “cigar butt” approach, a pure growth perspective, and the Teaminvest/Warren Buffett style that balances sustainable growth, sensible debt levels and a reasonable price.The show brings those ideas to life using real, well-known companies. In our first episode, we put Coles (ASX: COL), CSL (ASX: CSL) and Life360 (ASX: 360) under the microscope, comparing how each looks on the balance sheet, how fast they’re growing and whether that growth is stable enough to justify today’s valuation. We also tackle viewer questions, including how value investors should read reporting season when headlines and short-term reactions can drown out the fundamentals.Wealthy + Wise is about learning to think like an owner, not a trader — developing a repeatable process that can be applied in any market. Thoughtful, practical and a little bit fun, the series aims to give everyday investors the tools to build wealth with patience, structure and confidence.*Partner content🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Ever wondered what really happens at an Annual General Meeting (AGM) and why it matters for your investments?In this episode, Steve Mabb, Chair of the Australian Shareholders Association and Teaminvest member, unpacks how AGMs are more than a formality — they’re a window into management quality, governance, and alignment with shareholders. He explains how value investors can use AGMs to ask better questions, read between the lines, and identify early warning signs that don’t always show up in financial statements.Hear real stories of shareholder wins and disasters, learn how to spot red flags, and discover why in-person engagement is still king. This discussion shows why active shareholder engagement matters — and how AGMs can help investors protect capital and make more informed long-term decisions.What you’ll learn:Why AGMs matter for long-term investorsHow to assess boards and management beyond the numbersThe most effective questions to ask at AGMsHow governance red flags reveal themselves in real timeWhat the two-strike rule tells investors about accountabilityWhy in-person engagement still provides an edgeKey topics covered:Value investing • Disciplined investing • Long-term investing • Corporate governance • Shareholder rights • Management assessment • Risk awareness • AGMsTimestamps:00:00 – Introduction & Steve’s background03:00 – AGMs explained: what, when, and how10:00 – Why management matters: Buffett’s yardsticks18:00 – How to ask questions and what to look for22:00 – Real-life AGM stories: good, bad, and ugly36:00 – Action steps for retail investors45:00 – Wrap-up & key lessons🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Index funds, ETFs, superannuation flows, and AI-driven trading are now dominating global markets — but at what cost? In this episode, CEO Andrew Coleman unpacks how passive investing, algorithmic trading, and regulatory incentives are reshaping market behaviour. As capital increasingly flows into indexes regardless of valuation, markets are becoming more volatile, more concentrated, and more prone to bubbles — creating risks for uninformed investors and opportunities for disciplined, active ones.This discussion explores why value investing principles matter more than ever in an environment where prices are often set by flows, not fundamentals. What you’ll learn:How index funds, ETFs, and superannuation flows impact price discoveryThe role of AI-driven and algorithmic trading in increasing volatilityWhy passive investing can amplify market bubbles and distort valuationsHow active, value investors can manage risk and find opportunityWhy fundamentals eventually reassert themselves — even in distorted marketsKey topics covered:Passive vs active investing • Value investing • Index funds & ETFs • Superannuation regulation • AI-driven trading • Market volatility • Price discovery • Market bubbles Timestamps:00:00 – Introduction: Passive investing and AI07:00 – How index funds and regulation shape the Australian market18:00 – The Grossman-Stiglitz paradox explained25:00 – Bubbles, crashes, and price distortion35:00 – How active investors can win42:00 – Q&A: Speed vs. accuracy, advice for SMSF investors🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

In Episode 3 of our Emerging Wealth Winners Series, Kylie Merritt interviews Rahul Guha, CEO of Fiducian, to explore the company’s unique integrated model, scalable growth, and focus on quality advice.Plus, Andrew Coleman and Kylie discuss Kina Bank’s remarkable results in PNG, sharing highlights from CEO Ivan Vidovich’s presentation on driving double-digit returns, low leverage, and digital innovation in a challenging market.This episode is part of the TIP Group partnership with Ausbiz and the Emerging Wealth Winners Conference.What you'll learn in this episode:Fiducian’s “triple play” model: advice, funds management, and platformThe importance of service and scalability in platform businessesKina Bank’s growth in PNG and lessons for Australian banksDigital transformation, market opportunities, and risk managementTimestamps:00:00 – Series intro & Fiducian interview18:00 – Kina Bank segment introduction & commentary33:00 – Key takeaways and wrap-up🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

In Episode 2 of our Emerging Wealth Winners Series, Kylie Merritt from Ausbiz interviews Michael Eadie (CFO, Credit Corp) and AWAG directors Lee IaFrate and Mark Stephen. Learn how Credit Corp’s US expansion is fueling growth and how AWAG is driving major industry consolidation through activist investing.This episode is part of the TIP Group partnership with Ausbiz, presented at the Emerging Wealth Winners Conference in October.Key Topics:Credit Corp’s US business and market dynamicsManaging risk and capital allocation in debt purchasingAWAG’s activist investment strategy and industry rationalisationThe future of financial advice in AustraliaIntergenerational wealth transfer and advisor shortagesIndustry consolidation and growth opportunitiesTimestamps:00:00 – Series intro & Credit Corp interview15:00 – AWAG interview introduction16:00 – AWAG’s activist approach and market outlook35:00 – Key takeaways and episode wrap-up🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

In Episode 1 of our Emerging Wealth Winners Series, produced in partnership with Ausbiz, we dive into two ASX‑listed companies that are quietly compounding value: Solvar Group (ASX: SVR) and Mader Group (ASX: MAD).What you'll learn in this episode: Solvar Group (secured automotive finance) - Managing Director Scott Baldwin joins Ausbiz’s Kylie Merritt to unpack: How Solvar operates in a $55 billion Australian asset finance market while focusing on underserved borrowers with non-prime credit historiesWhy Solvar’s bad debts have remained in a consistent 3.5–4.5% band over five yearsWhat the company learned from its high-profile ASIC case and how it has strengthened its products, policies and First Nations trainingHow Solvar is using AI to listen to call recordings, detect hardship, improve staff training and lower its OPEX ratioWhy tighter private credit conditions may actually favour Solvar’s equity-funded business model and drive consolidation opportunitiesMader Group (heavy equipment maintenance) - CEO Justin Newick and CFO Paul Hegarty share how a diesel mechanic in the Kimberley built a global leader in heavy equipment maintenance:The people-first culture that attracts and retains blue-collar talent through programs like “Three Gears” and Global PathwaysHow Mader turns technicians into financially literate business leaders and exports its culture into North America and beyondThe company’s strategic roadmap to $1 billion in revenue and $65m NPAT by FY26, targeting ~30% compound annual growthWhy North America offers double the fleet size and higher EBITDA margins than Australia – and how Mader plans to capture that upsideHow rigorous reporting, safety systems and margin discipline help manage execution risk across multiple geographies and verticalsTeaminvest’s Andrew Coleman then provides investor commentary on why both businesses may be “emerging wealth winners” – combining strong returns on capital, resilient earnings and, for now, attractive PE multiples.If you’re interested in long‑term investing, ASX small caps, private credit, mining services or building durable wealth, this episode is for you.🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Is your “diversified” portfolio actually holding you back? In this episode of the Teaminvest Wealth Builders Podcast, Kerry Fleming is joined by CEO Andrew Corman and Head of Funds Management & Education Sanjee Narendran to revisit the concept of diworsification — Warren Buffett’s term for over-diversifying to the point where you dilute your returns and cap your upside.They unpack the gap between academic risk theory and real-world risk, explain why volatility is not the same as the risk of permanent loss, and show how traditional diversification and regulation can push investors toward mediocre outcomes. You’ll learn how many assets you can realistically understand, why high-conviction investing can be more rational than it looks, and how to strike a smarter balance between risk, focus, and long-term wealth creation.Key Topics Covered:What diversification really means in academic finance vs real lifeSystemic risk vs company/industry-specific riskWhy volatility ≠ real-world risk of lossHow regulators and industry use “risk” and “volatility” to sell mediocrityThe hidden cost of portfolio bloat and overlapDiworsification: when diversification quietly destroys your upsideHow many assets you can realistically understand and monitorCircle of competence and intelligent risk-takingThinking in terms of “loss given default” instead of abstract probabilityWhy understanding what you invest in matters more than box-ticking diversificationTimestamps:00:00 – Introduction: diversification vs diworsification02:00 – Academic definition of diversification and risk07:00 – Volatility vs real-world risk (and why regulators get it wrong)13:00 – Industry incentives and under-promising “safe” returns18:00 – Diworsification: when diversification caps your upside23:00 – How many assets should you really hold?28:00 – Circle of competence and high-conviction portfolios34:00 – Risk as “loss given default” vs volatility39:00 – Understanding funds and products beyond the label43:00 – Final thoughts: do your due diligence, not just “spread the risk”🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Dividends may not grab headlines — but for patient, disciplined value investors, they can do extraordinary work over time, becoming one of the most powerful drivers of long-term wealth.In this episode, Kerry Fleming breaks down how value investors use dividends, reinvestment, and compounding to steadily grow returns over time. Rather than chasing short-term price movements, this discussion focuses on owning quality businesses, reinvesting cash flows, and letting time do the heavy lifting. You’ll learn why ignoring market noise, reinvesting dividends through market cycles, and staying patient can turn a modest yield into a powerful income stream over time. We unpack why this approach remains central to disciplined value investing, and why patience and discipline often matter more than perfect timing.What you'll learn in this episode:Why dividends are a powerful driver of long-term total returnsHow compounding accelerates results when dividends are reinvestedThe difference between short-term price chasing and real wealth buildingHow disciplined investors use volatility to their advantagePractical ways to grow income and capital over timeKey topics covered:Value investing • Dividends • Compounding • Reinvestment • Patience • Disciplined investing • Long-term wealthTimestamps:00:00 – Welcome & Team Invest philosophy02:00 – The dividend vs. price debate04:00 – Compounding, patience, and quality08:00 – Real-world scenario: 2015–2025 ASX portfolio12:00 – The power of reinvestment and market dips15:00 – Yield on cost: tracking your true returns18:00 – Franking credits and tax benefits20:00 – Current market conditions and dividend trends24:00 – Practical steps for dividend success28:00 – The importance of discipline and patience30:00 – Final thoughts & Team Invest invitation🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Return on equity (ROE) is one of the most popular metrics in investing — and one of the easiest to misuse.In this episode, we break down how disciplined, long-term value investors actually use ROE to assess business quality, capital allocation, and sustainable returns. You’ll learn why headline ROE numbers can be misleading, how debt and financial engineering can inflate results, and what really matters when evaluating long-term profitability.Using real-world examples, including Qantas, we show how to look past surface-level metrics and focus on the fundamentals that drive lasting shareholder value — especially in a higher interest rate environment.Watch the full video to understand why ROE can be both a powerful tool and a dangerous trap. What you'll learn in this episode:What ROE really tells you — and what it doesn’tWhy high ROE can sometimes be a warning signHow debt, buybacks, and leverage distort ROEThe most common ROE traps value investors avoidHow to use ROE alongside other metrics for better decisionsWhy disciplined analysis matters more than headline numbersKey topics covered:Value investing • Return on equity (ROE) • Disciplined investing • Long-term investing • Financial leverage • Capital allocation • Business qualityTimestamps:00:00 – Welcome & why ROE is misunderstood02:00 – ROE basics: calculation and appeal04:30 – Why ROE can be misleading07:00 – Case study: Qantas and the ROE illusion10:30 – The five ROE traps every investor should know16:00 – Protect yourself: what to check beyond the headline21:00 – ROE in the 2025 market: high rates, buybacks, and investor scrutiny26:00 – Practical tips: cash flow, debt, ROIC, and management commentary30:00 – Summary: using ROE wisely🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Have you planned what happens to your self-managed super fund (SMSF) when you’re gone? In this episode, SMSF specialist Melina Mitchell joins Kerry Fleming to demystify SMSF estate planning. Learn the difference between binding and non-binding death benefit nominations, who counts as an eligible beneficiary, how to avoid death tax, and the practical tools — like reversionary pensions and enduring powers of attorney—that can protect your legacy and your loved ones.What you'll learn in this episode:The importance of estate planning for SMSF membersBinding vs. non-binding death benefit nominations (lapsing and non-lapsing)Who is (and isn’t) an eligible beneficiary under super lawHow to avoid death tax and understand tax dependentsUsing reversionary pensions and enduring power of attorneyWhy you must regularly review your nominations and trust deedTimestamps:00:00 – Welcome & why estate planning matters02:00 – SMSF death benefit nominations: binding, non-binding, lapsing, non-lapsing09:00 – Who is an eligible beneficiary?13:00 – Financial dependents, interdependency, and trust deed requirements18:00 – Death tax, tax dependents, and payment options25:00 – Estate planning tools: reversionary pensions & enduring power of attorney30:00 – Practical tips: regular reviews, major life events, and trust deed updates33:00 – Final thoughts & how to get help🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Successful long-term investing is not about prediction — it’s about principles.In this episode, we break down the three core principles disciplined value investors rely on through every market cycle: knowing yourself, knowing your investments, and knowing your valuation.Rather than reacting to headlines or chasing trends, this discussion focuses on building a clear investing framework grounded in self-awareness, business understanding, and price discipline — the foundations that allow investors to stay patient, confident, and rational over the long term.What you’ll learn in this episode:Why disciplined investing starts with understanding yourself and your risk profileHow long-term value investors assess businesses beyond surface-level metricsThe importance of valuation discipline — and why price always mattersHow a consistent process helps investors navigate volatility and uncertaintyWhy principles outperform predictions across market cyclesKey topics covered: Value investing • Disciplined investing • Long-term investing • Investment principles • Valuation discipline • Risk awareness • Investor mindsetTimestamps:00:00 – Why you need investment principles03:00 – Know yourself: personality, risk profile, and strategy10:00 – Lessons from market cycles and changing investment styles16:00 – Know your investments: understanding companies, funds, and managers22:00 – Digging deeper: business models, moats, and real-world examples28:00 – Know your valuation: setting benchmarks and ignoring market noise36:00 – The power of process and community39:00 – Final thoughts and next steps🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Successful long-term investing is rarely a solo pursuit. Disciplined value investors rely on clear process, shared insight, and the humility to challenge their own thinking.In this episode, we explain how a structured investment process, collective due diligence, and a community help investors make better long-term decisions.Rather than chasing tips or reacting to market noise, this discussion focuses on how value investors build conviction, expand their circle of competence, and stay disciplined through market cycles — using process and shared wisdom as a competitive advantage.What you'll learn in this episode:Why disciplined value investors prioritise process over predictionHow collective research improves decision-making and reduces blind spotsThe role of community in building long-term investing confidenceHow structured frameworks help investors cut through market noiseWho benefits most from a process-driven, long-term investing approachTimestamps:00:00 – Introduction: What is Teaminvest?03:00 – The research that started it all08:00 – Eliminating risk and finding wealth winners13:00 – The power of industry experience and member expertise18:00 – How Team Invest meetings and the SMART process work24:00 – Building a safe, collaborative environment29:00 – Funds, education, and how to get involved33:00 – Who Teaminvest is for (and not for)36:00 – How to join and next steps🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Thinking about starting a self-managed super fund (SMSF) or optimising your current setup? In this episode, Kerry Fleming is joined by Meleena Mitchell, Head of SMSF at TIP Group, to break down everything you need to know about SMSF trustee structures. Discover the pros and cons of individual vs corporate trustees, how to avoid costly mistakes, and why your choice now can save you time, money, and stress in the future.In this episode:What is an SMSF trustee — and why does it matter?Individual vs corporate trustees: setup, costs, risks, and adminHow penalties are applied (and why structure matters)What happens when a member dies or leaves the fundSpecial rules for single-member SMSFsPractical tips for smooth SMSF setup and complianceTimestamps:00:00 – Introduction01:00 – What is an SMSF trustee?03:00 – Individual trustee: pros and cons06:00 – Corporate trustee: setup, costs, and benefits12:00 – Penalties and asset separation15:00 – Single-member SMSFs: what are your options?18:00 – What happens when a trustee dies?22:00 – Real-world tips for SMSF success24:00 – How to get help and next steps🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Choosing the right investment fund doesn’t stop at fees and performance. For disciplined value investors, understanding moats, risk, and trustworthiness is what separates durable outcomes from disappointment.In Part 2 of this series, we go deeper into how long-term investors assess fund quality beyond the numbers. This episode focuses on identifying genuine competitive advantages at the fund level, evaluating risk thoughtfully, and understanding why transparency and manager behaviour matter over full market cycles.Rather than being swayed by marketing claims or short-term results, value investors look for alignment, conviction, and evidence of disciplined decision-making — especially when markets become volatile.Plus, download our free Fund Due Diligence Checklist to make your research easier!What you'll learn in this episode:What a “fund moat” really means — and why it mattersHow to tell genuine conviction from closet benchmark huggingWhy fund manager stability, team depth, and resources are criticalHow disciplined investors assess risk across managers, style, and productsWhy transparency and communication are key trust signalsPractical ways to identify funds built for long-term investingKey topics covered:Value investing • Disciplined investing • Long-term investing • Fund selection • Fund moats • Risk management • Active management • Trust and transparencyTimestamps:00:00 – Recap & intro03:00 – Fund moats & differentiation08:00 – High conviction, active share, and closet benchmark huggers13:00 – Team stability & key person risk18:00 – Fund size: too small, too big, just right22:00 – Assessing risk: manager, style, product29:00 – Trustworthiness: transparency & communication36:00 – Download your free Fund Due Diligence Checklist🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Choosing an investment fund isn't about chasing performance — it's about discipline, process, and alignment with long-term value investing principles. In this episode, we break down how disciplined value investors evaluate managed funds. From understanding your investment goals to assessing active versus passive strategies, fees, benchmarks, and documentation, this discussion provides a clear, repeatable framework for fund selection. Long-term value investors focus on process, philosophy, and whether a fund manager's approach aligns with valuation discipline and risk awareness, especially through market cycles. Plus, download our free Fund Due Diligence Checklist to make your next fund decision even easier!What you'll learn in this episode:How disciplined investors decide whether a managed fund is right for themThe difference between active and passive funds — and when each mattersWhy benchmarks and fees need context, not headlinesHow value investors assess fund philosophy, process, and alignmentWhere to find the information that actually matters (PDS, TMD, fact sheets)Common red flags long-term investors learn to avoidKey topics covered:Value investing • Disciplined investing • Long-term investing • Managed funds • Active vs passive • Fund selection • Fees and benchmarks • Investment processTimestamps:00:00 – Meet Stuart James & why funds matter02:00 – Defining your investment strategy05:00 – Asset classes & sub-asset classes09:00 – Active vs passive: pros and cons13:00 – Benchmarks, performance, and fees17:00 – Where to find essential information22:00 – Using the Fund Due Diligence Checklist29:00 – Next steps🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

In this special repeat episode, Kerry Fleming and Sanjee Narendran reveal why the best investors always look beyond the product to focus on business fundamentals, management quality, and long-term performance. Discover why first-mover advantage is rarely enough, how to spot the difference between a great idea and a great investment, and the Team Invest approach that’s delivered outperformance for over a decade.Key Topics Covered:The myth of first-mover advantage in investingWhy business fundamentals always trump product hypeHow to assess management, risk, and shareholder alignmentThe importance of 10+ years of performance historyHow to read management remuneration and incentivesTeam Invest’s proven investment process and track recordTimestamps:00:00 – [Finance Replay] Why this episode matters02:00 – Product vs. business: lessons from history06:00 – First-mover examples: Yahoo, MySpace, Google, Facebook12:00 – Assessing management and risk18:00 – The value of patience and research24:00 – Real results: Team Invest’s outperformance29:00 – Action steps for investors🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

For long-term value investors, great businesses are built by people — and poor management can destroy even the strongest businesses. In this episode, Kerry Fleming and Andrew Coleman explain why assessing company management is one of the most important — and most underestimated — parts of disciplined investing. Rather than relying solely on numbers, this discussion focuses on leadership behaviour, incentives, decision-making, and the human factors that drive long-term outcomes.Using real-world case studies and a practical evaluation framework, this episode shows how value investors identify red flags early, avoid costly mistakes, and build conviction in businesses led by capable, trustworthy management teams.What you'll learn in this episode:Why management quality matters as much as valuation for long-term investorsThe behavioural traits that often signal poor leadership Common red flags hidden in remuneration reports and board decisionsLessons from real-world corporate failures and successesHow disciplined investors use structured checklists and collective insightThe qualities that consistently define great company managementKey topics covered:Value investing • Disciplined investing • Long-term investing • Company management • Business Quality • Leadership assessment • Risk managementTimestamps:00:00 – Why management is critical03:00 – The human side of business08:00 – What to look for: honesty, capability, and hard work15:00 – Case studies: big failures and why they matter29:00 – Red flags in real time35:00 – What makes management great?42:00 – Using the wisdom of the crowd45:00 – Takeaways & next steps🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

How do you ensure your wealth lasts — not just for your children, but for generations to come? In this episode, Kerry Fleming sits down with Andrew Coleman to unpack the real-world strategies, mindset, and education needed for successful intergenerational wealth transfer.Discover why most families fail to plan, how compounding can transform your legacy, and the crucial roles of education and culture in preserving family wealth. Whether you’re a parent, grandparent, or thinking about your own estate, this episode delivers practical, actionable insights you won’t want to miss.What you'll learn in this episode:Why intergenerational wealth transfer matters (and why most families don’t plan)The three things that truly compound across generations: wealth, culture, educationHow to use compounding and smart investing to create a lasting legacyReal numbers: What a $3M estate can do over 20 years (term deposit vs. index fund vs. active investing)The hidden risks of not educating heirs and the dangers of “sharks” and poor planningHow to start the legacy conversation with your familyTimestamps:00:00 – Introduction: Why legacy matters05:00 – Wealth, culture, and education: the three pillars12:00 – What happens without a plan17:00 – The magic of compounding23:00 – Real-world examples & numbers30:00 – Education as the ultimate safeguard35:00 – How to start the legacy conversation38:00 – Teaminvest resources for families🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Market bubbles are a recurring feature of investing history — but disciplined value investors approach them very differently. In this episode, Kerry Fleming sits down with Howard Coleman, co-founder of Teaminvest, to explore how bubbles form, why they're so hard to recognise in real time, and how long-term investors can protect capital — and sometimes find opportunity — even during market manias. Drawing on history, psychology, and practical investing experience, this conversation focuses on process over prediction. Rather than trying to time bubbles, disciplined value investors rely on valuation, patience, and risk awareness to avoid permanent capital loss when markets become euphoric. What you'll learn in this episode:What defines a market bubble — and why they keep repeating The role of crowd psychology, cheap money, and new technology in driving maniasWhy most investors lose money during bubbles, and how to avoid their mistakes Teaminvest’s disciplined approach to investing during bubblesLessons from historical bubbles and modern markets Why valuation discipline matters most when optimism is widespreadKey topics covered:Value investing • Disciplined investing • Long-term investing • Market bubbles • Investor psychology • Valuation discipline • Risk management • Market cyclesTimestamps:00:00 – What is a bubble?04:00 – Crowd psychology & bubble fuel10:00 – Historical bubbles & lessons14:00 – Spotting bubbles in real time21:00 – What happens when bubbles burst28:00 – How to invest during a bubble34:00 – Teaminvest’s process for surviving bubbles39:00 – Key takeaways & next steps🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Successful long-term investing is built on principles — not predictions.In this episode, Warren Buffett and Charlie Munger’s most enduring investment ideas are unpacked through the lens of disciplined value investing. We explain why patience, temperament, and process matter far more than forecasting — and how these timeless principles can help investors navigate any market cycle.Rather than chasing trends or reacting to noise, value investors focus on owning high-quality businesses, paying sensible prices, and staying rational when others are emotional. These are the habits that compound wealth over decades.What you'll learn in this episode:Why buying quality businesses at fair prices matters more than timingHow to avoid difficult businesses and hidden risks The importance of patience, temperament, and process in investingWhy long-term ownership is central to value investing successHow fear and greed create opportunity for disciplined investors The value of surrounding yourself with successful, like-minded investorsKey topics covered:Value investing • Disciplined investing • Long-term investing • Investor temperament • Business quality • Valuation discipline • Market psychology • Compounding wealthTimestamps:00:00 – Buffett’s core investment wisdom02:00 – Fair price vs. wonderful company06:00 – Avoiding business problems11:00 – The 10-year mindset16:00 – Temperament and process22:00 – Patience and emotional discipline27:00 – Fear and greed in markets32:00 – The power of community36:00 – Next steps & resources🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Superannuation is one of the most important, and least understood, components of long-term wealth in Australia. The superannuation system has grown to over $3 trillion — double the size of our economy. But is this massive pool of retirement savings working for everyday Australians, or is it being undermined by hidden risks. In this episode, we examine the structural risks within Australia's superannuation system, including government intervention, regulatory incentives, and the growing reliance on passive investing and index tracking. Rather than reacting to headlines, this discussion focuses on how long-term value investors assess superannuation through the lens of capital allocation, valuation discipline, and market behaviour; and what informed investors can do to remain thoughtful, engaged, and prepared. Discover why the system may be stacking the odds against average Australians — and what savvy investors can do to protect and grow their wealth. What you'll learn in this episode:How government, scammers, and regulators threaten superannuation returnsWhy passive investing and index concentration can increase hidden risk The dangers of herd behaviour and market bubbles in retirement portfoliosWhy active, informed investing is more important than everPractical steps to better understand and take control of your retirement savingsTimestamps:00:00 – Introduction: The scale and purpose of superannuation03:00 – Government incentives and risks08:00 – Scams and scandals in the sector12:30 – Regulatory pitfalls: MySuper and unintended consequences17:00 – Passive investing, index-tracking, and market bubbles25:00 – Capital misallocation and productivity30:00 – What investors can do: informed, active strategies35:00 – Key takeaways and resources🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Reporting season creates noise, volatility, and opportunity — but only for investors who are prepared. In this episode, Kerry Fleming is joined by Howard Coleman, co-founder of Teaminvest, to explain how disciplined, long-term value investors approach reporting season in Australia. Rather than reacting to headlines or market consensus, this discussion focuses on preparation, discipline, and deep business understanding. Reporting season rewards investors who know their companies well before results are released — and punishes those who rely on spreadsheets without insight. What you’ll learn in this episode:What reporting season means and why it matters for value investorsHow preparation gives you an edge over the marketWhy knowing your businesses deeply is more important than forecastsHow disciplined investors identify opportunities, and avoid mistakes when share prices move unexpectedlyWhy Teaminvest’s process and collective wisdom matter more than market consensus, and how members can outperform Key topic covered:Value investing • Disciplined investing • Long-term investing • Reporting season • Fundamental analysis • Investor behaviour • ASX companiesTimestamps:00:00 – Introduction: Reporting season & slide rule analogy03:30 – What is a slide rule? Preparation vs. automation08:00 – Calculator errors and spreadsheet traps13:00 – Why investors must “do the work”16:00 – Bargains and selling opportunities during reporting season21:00 – Teaminvest’s collective approach25:00 – Key takeaways & next steps🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Successful investing stems from philosophy, process, and patience. In this episode, Kerry Fleming speaks with Sanjee Narendran about how disciplined, long-term value investors develop a clear investment philosophy and why it becomes the foundation for better investment decisions. Drawing on Sanjee's journey from stockbroking, business management, and eventually discovering a proven, fact-based investment process, this conversation explores how resilience, business understanding, and community help investors move beyond stories and speculation toward true ownership thinking and building lasting wealth. What you'll learn in this episode:Why every investor needs a clear personal investment philosophyHow disciplined investors move from trading to business ownership The dangers of story-driven investing and surface-level analysis How resilience and experience shape long-term thinking Teaminvest’s “circle of competence” and collective wisdom — why it matters The value of community, shared expertise, and disciplined methodologyHow a disciplined process supports investors through all market conditions Key topics covered:Value investing • Disciplined investing • Long-term investing • Investment philosophy • Investor mindset • Circle of competence • Community investing • Process-driven decisionsTimestamps:00:00 – Introduction04:00 – Family, migration, and early influences08:00 – Investing, property, and lessons from the GFC14:00 – Broking industry realities and capital raisings20:00 – Business management and investing24:00 – Discovering Teaminvest’s approach30:00 – Membership, funds, and collective opportunity34:00 – Final thoughts & invitation to join🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Most investing mistakes aren't caused by bad markets — they're caused by poor understanding of risk, behaviour, and process. In this episode, we break down the most common (and costly) errors that derail long-term investment outcomes. From misunderstanding risk to letting emotion override discipline, this discussion explains why many investors struggle — and how a disciplined, fact-based approach helps avoid permanent capital loss and drive long-term wealth creation. Rather than chasing trends or reacting to short-term noise, disciplined value investors focus on patience, compounding, and research — especially when emotions run high.What you'll learn in this episode:What risk really means for long-term investors Why behavioural mistakes cause more damage than market movements How impatience, FOMO, and emotional decisions erode returns The power of discipline, research, patience and compounding Why “cutting the flowers and watering the weeds” is so costlyPractical strategies to stay focused through market cycles Key topics covered:Value investing • Disciplined investing • Long-term investing • Investor behaviour • Risk management • Patience and compounding • Decision-making • Investment processTimestamps:00:00 – Introduction 02:00 – Understanding risk 06:00 – Human behaviour and investing mistakes 08:30 – Impatience and the cost of being too active 11:00 – Chasing trends and FOMO 14:00 – Emotional investing vs. strategic investing 18:00 – Factfulness and research as your edge 21:00 – The pitfalls of timing the market 25:00 – “Cutting the flowers, watering the weeds” 28:00 – Practical strategies for smarter investing 30:00 – Key takeaways & invitation to connect🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

The debate between active and passive investing is often reduced to fees and past performance. Disciplined, long-term value investors look deeper.In this episode, Andrew Coleman and Sanjee Narendran unpack the real differences between active and passive investing — including how index funds, ETFs, and high-conviction active strategies behave across market cycles.Rather than promoting one approach blindly, this discussion focuses on how investors should think about compounding, risk, incentives, and their own capabilities when deciding between active and passive strategies. The goal isn’t to follow industry narratives, but to make informed, disciplined decisions that support long-term wealth building.What you'll learn in this episode:How passive investing, index funds, and ETFs actually work What defines true active investing Understanding fees, compounding, and industry statistics Common myths and selective marketing used in the active vs passive debate How disciplined investors assess risk, volatility, and manager qualityPractical frameworks for choosing the right approach for your goals Key topics covered:Value investing • Disciplined investing • Long-term investing • Active vs passive • Index funds & ETFs • Compounding • Fund selection • Investor mindset Timestamps: 00:00 – Introduction 02:40 – Defining passive vs active investing 03:25 – How passive and active strategies work 04:00 – Statistics, fees, and industry marketing 08:00 – Choosing the right fund manager 10:00 – Not all funds are created equal 12:30 – Risk, volatility, and due diligence 23:00 – Compounding returns and long-term impact 22:00 – Key takeaways and next steps🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Diversification is often described as the cornerstone of risk management — but taken too far, it can quietly undermine long-term investment returns. In this episode, we examine the concept of "diworsification" and why disciplined value investors think differently about portfolio construction. This discussion focuses on downside risk, conviction, and understanding what you own. Drawing on real-world experience and insights from Warren Buffett, the episode explains why excessive diversification can dilute insight, mask risk, and cap upside — especially for long-term investors who do their work. What you'll learn in this episode:The difference between healthy diversification and “diworsification” Why owning too many investments can increase risk, not reduce it How academic definitions of risk differ from real-world investor experience Why understanding your businesses matters more than portfolio size How disciplined value investors think about conviction and focus Practical ways to build a portfolio aligned with your circle of competence Key topics covered:Value investing • Disciplined investing • Long-term investing • Diversification • Portfolio construction • Risk management • Conviction investing • Investor behaviourKey Quotes: “With too many assets, you limit the benefit of getting any one right.” “Diversification is protection against ignorance. If you know what you’re doing, diversification doesn’t make much sense.” — Warren Buffett “Risk only matters on the downside—as an investor, not as an academic.” Timestamps: 00:00 – Introduction: The myth of more is better  02:06 – What is diversification?  09:35 – Academic vs. practical risk  19:00 – How portfolio bloat dilutes returns  27:30 – How many assets should you really hold?  17:52 – Diworsification and Buffett’s wisdom  20:00 – The power of focus and knowing your investments  25:20 – Practical tips for smarter portfolio construction  17:00 – Emerging Wealth Winners Conference, Melbourne 2025  30:00 – Final thoughts 🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Long-term investing success is driven as much by what you avoid as what you own. In this episode, we explain how disciplined value investors identify businesses that can compound wealth over time (Wealth Winners®) and just as importantly, recognise the warning signs of companies that quietly destroy capital (Capital Killers™). Learn how Teaminvest members use a structured framework that blends quantitative and qualitative analysis to separate durable, high-quality businesses from those driven by hype, weak economics, or poor management. We walk through real-world examples from ASX-listed companies that illustrate how small differences in business quality, incentives, and stability can lead to dramatically different long-term outcomes. Rather than chasing excitement, we focus on fundamentals, patience, and downside protection — because avoiding Capital Killers™ is often the fastest way to improve long-term results. What You’ll Learn In This Episode:How disciplined investors define true long-term wealth creation Why capital destruction is often hidden behind growth narratives The seven criteria Teaminvest uses to assess stocks The importance of management quality, business moats, and stabilityWhy hype and cyclicality are common sources of investor mistakes Practical ways to apply a disciplined framework to your own portfolio Companies dicussed:Wealth Winners®: ResMed, ProMedicus, TechnologyOne, JB Hi-FiCapital Killers™: Lendlease, Iluka Resources, Telstra, IDP EducationKey Quotes:“Wealth winners are boring companies that do something really cool, really smart—but they do it well and niche, year after year.”“Capital killers are almost always caught up in hype. Peel off the paint, and you realise it’s not a unicorn, it’s just a horse.”Key topics covered:Wealth Winners® • Capital Killers™ • Value investing • Disciplined investing • Long-term investing • Business quality • Capital allocation • Management assessment • Risk avoidance • Compounding wealthTimestamps: 00:00 – Introduction 01:24 – Defining Wealth Winners 03:28 – ResMed: Consistent growth and stability 09:07 – Iluka Resources: The risk of cyclical earnings 12:35 – ProMedicus: High growth, high price 17:45 – Lendlease: Shrinking returns and rising debt 20:54 – TechnologyOne: Compound growth in action 23:50 – Telstra: The danger of shrinking, stable companies 26:20 – JB Hi-Fi: Outperforming retail 28:55 – IDP Education: The importance of management 31:35 – How to apply these lessons 35:18 – Outro & Teaminvest resources🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Changes to superannuation rules matter most to investors who think long term, especially those using Self-Managed Super Funds. In this episode, Meleena Mitchell, Head of SMSF at TIP Group, explains what Division 296 tax means in practice for high net-worth superannuation members and SMSF investors. While the policy appears simple on the surface, its impact on returns, structure, and long-term planning is far more nuanced. Rather than reacting to headlines, this discussion helps investors understand how Division 296 fits into broader superannuation strategy, capital preservation, and long-term wealth planning. Meleena is a CPA with over 15 years of experience in helping clients navigate the complexities of superannuation. Whether it be starting you self-managed super fund, self-managed super fund, restructuring, annual compliance and lodgment of tax returns, assistance with super strategies, which includes state planning, legislative compliance or self-managed super fund wind up.Key topics covered:Superannuation • SMSF investing • Division 296 tax • Long-term investing • Capital preservation • Tax awareness • Disciplined investing • Retirement planning Contact Meleena Mitchell:E: [email protected]: https://www.tipgroup.com.au/smsfadmin🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

In this episode, we're unpacking a topic that sits at the heart of long term business success. The difference between a partner mentality and an owner or founder mentality.You'll hear a thoughtful discussion about why the mindset of a company's leadership, whether they see shareholders as true partners or simply as investors, can make all the difference to a business's growth, resilience and culture. We'll explore what it really means for management to act as partners. How this approach contrasts with the classic founder driven style, and why finding the right balance is crucial for sustainable value creation. Drawing on well-known case studies and real world examples, we'll also look at the risks and rewards of both mentalities and offer practical insights for investors who want to spot the businesses most likely to thrive over the long term. 🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Valuation sits at the heart of value investing — yet it’s one of the most misunderstood parts of the process. In this episode, Andrew Coleman and Sanjee Narendran unpack how disciplined, long-term investors approach valuing businesses and assets. Rather than relying on overly complex traditional financial models or market noise, this conversation focuses on practical judgement, business fundamentals, and understanding what truly drives long-term value. Drawing on real-world experience and the Teaminvest approach, we challenge common valuation shortcuts and explain why fundamentals, discipline, and context matter most. Whether you're a seasoned investor, a business leader, or just curious about how to assess value in today's market, this episode is packed with insights you won't want to miss.Key topics covered:Value investing • Disciplined investing • Long-term investing • Valuation • Business fundamentals • Risk awareness • Investor judgment • Capital preservation 🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Great products don’t always make great investments. In this episode, Kerry Fleming and Sanjee Narendran (Head of Funds Management and Education) explain why disciplined, long-term value investors look beyond the product, and the factors that truly drive long-term returns.We hope you enjoy this episode and remember to stay informed, stay invested and keep building wealth.🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

In this bonus episode of the Wealth Builders Podcast, Andrew Coleman explains why business moats matter to disciplined, long-term investors — and how sustainable competitive advantages help protect returns across market cycles.A moat is anything that allows a company to remain a price maker, fend off competitors, and continue delivering a sustainable competitive advantage. This short episode explores what makes real business moats, why they matter, and how investors can identify businesses with the durability required for long-term wealth creation.Rather than chasing short-term growth or market excitement, disciplined value investors focus on businesses with structural advantages that stand the test of time. We hope you enjoy this bonus short episode, and remember, stay informed, stay invested and keep building wealth.🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

In this episode of TIP Wealth Builders, Kerry talks with Peter Hasrouni about the benefits of having good strategies in place. A good strategy can help in all aspects of your life from your private life to your professional life. Sit back and let Peter guide you through the what, why and how of strategy implementation. Stay informed, stay invested and keep building wealth.🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

In this episode of TIP Wealth Builders, Kerry discusses the power of compounding with Sanjee Narendran, Head of Funds Management and Education at TIP Group. Sanjee shares his own journey with compounding, goes through some real-life scenarios using online calculators and discusses the importance of not just compounding wealth but also education and the role that has played with his daughter and her future wealth.We hope you enjoy this episode and remember to stay informed, stay invested and keep building wealth.🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

In this episode of TIP Wealth Builders, Kerry talks with Andrew Coleman, Sanjee Narendren and Peter Hasrouni about the volatility in the market at the moment. What does that volatility mean for investors? What opportunities does volatility present? How do we block out the noise so we can focus on the important things like compounding our wealth and knowledge. Stay informed, stay invested and keep building wealth.🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]

Episode 1 explores who TIP Group and Teaminvest are, what makes us different and why our investment methodology stands out. Joining your host, Kerry Fleming in this episode is TIP Group CEO, Andrew Coleman, Head of Funds Management and Education, Sanjee Narendran and Corporate Adviser Peter Hasrouni. Stay informed, stay invested and keep building wealth.🎧 Available on YouTube, Apple Podcasts and Spotify. 🎙️ Enjoyed this episode? Don’t forget to subscribe, rate, and leave a review on your favourite podcast platform. It helps us grow and reach more Wealth Builders like you.💡 More Teaminvest:For more insights into Teaminvest’s disciplined, research-driven approach to investing, visit our website and learn how to become part of our investor community. Follow us on: LinkedIn | YouTube | Instagram | Facebook📩  Join the conversationHave thoughts or questions? Email us at [email protected]