Get Rich Slow Club

Alternative investments can sound like the part of investing reserved for wealthy insiders. Private equity and private credit can offer access to companies and opportunities you won’t find on the share market, but they can also mean six-figure minimums, less transparency and locking your money away for years.

So what are investors actually getting in exchange for that extra complexity?

In this episode, Jack and Tash unpack the world of alternative investments, from private equity and private credit to employee share schemes and some much stranger assets held inside SMSFs. They look at why these investments can attract wealthy investors, where the higher return expectations come from, and the risks that are easier to overlook when the numbers look compelling.

In this episode we'll discuss:

💰 The comparison between $1 million invested in the S&P over 35 years and the returns quoted for average private equity funds, and how compounding can dramatically widen the gap over time.

🚪 Why many private investments are restricted to wholesale investors, including the $250,000 income and $2.5 million net asset tests.

🏗️ How private credit works, why borrowers might use it instead of a bank, and why property-backed loans can offer yields around 10%.

🔒 Why investors may need to lock their money away for five or seven years, and how the illiquidity premium fits into the return equation.

🏢 Why companies such as Canva can stay private for longer, and why the number of publicly listed companies in the US has fallen dramatically since the 1990s.

🤝 Why the fund manager can matter so much in private markets, particularly when some funds require minimum investments of $100,000 or considerably more.

📉 The risks of employee share schemes when your income and a large part of your wealth are both tied to the fortunes of the same company.

🐎 Pokémon cards, artwork, wine and even horse semen inside SMSFs, plus the rules that determine whether an unusual asset can genuinely be held for retirement purposes.

🧩 Plus, a listener asks whether rotating through a long list of ETFs is really creating more diversification, or simply adding more versions of the same underlying investments.

The big takeaway? Alternative investments can open the door to opportunities outside traditional shares and ETFs, but higher expected returns come with their own set of trade-offs. Liquidity, access, fees, transparency, diversification and manager quality all matter. Sometimes the most important question isn’t whether an investment is alternative, but whether you understand what you actually own and why it belongs in the portfolio.

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.

Investing mistakes are easy to spot after the fact. An inverse ETF that moved the wrong way, $12,000 sitting idle for years, a tax decision with expensive knock-on effects, or shares that went from $70,000 to $5,000. But trying to avoid every possible mistake can create a problem of its own.

So which investing mistakes are worth worrying about, and which ones are simply part of learning?

In this episode, Tash and Ana unpack five investing mistakes they see people make, along with a few of their own. They look at waiting until you feel ready, misunderstanding how an investment is structured, buying things you don't really understand, expecting investing to feel comfortable and wanting long-term returns far too quickly.

In this episode we'll discuss:

📉 What happened after buying an inverse leveraged ETF during Covid, expecting markets to keep falling, only for the recovery to keep going.

💸 How $12,000 ended up sitting in a near-zero-return account for years, and why opportunity cost can hurt even when you haven't technically lost money.

🧾 How selling company shares in the wrong financial year had flow-on effects for tax, paid parental leave and childcare subsidies.

🚲 Why waiting until you feel completely ready to invest can leave you stuck, even after you've read the books and watched the videos.

🏦 The difference between investing through super, custodial platforms and CHESS-sponsored holdings, plus why trusts and SMSFs can create complexity of their own.

🎮 How experiences with GameStop, crypto, day trading or individual shares can convince someone that all investing is far riskier than it actually is.

📊 Why one company, one industry and one country carry a very different type of risk to a broadly diversified ETF, and why time horizon matters too.

😬 What it feels like to invest a large lump sum, watch the portfolio immediately go backwards and resist the urge to keep checking the app.

⏳ Why seven to ten years can feel very different from six months, and why dividends, market growth and the snowball effect rarely arrive on demand.

The big takeaway? Investing mistakes don't all look like losing money. Sometimes it's waiting, misunderstanding the structure, taking more risk than you realised, or expecting a long-term investment to prove itself almost immediately. Making better decisions starts with understanding what you're doing, while accepting that some lessons only become obvious once you've actually started.

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.

Buying dinner from a stranger on Facebook Marketplace sounds questionable at first. But people already buy homemade cakes, market-stall food and meals from small operators. The harder question is whether peer-to-peer food can create new small businesses without the costs of a commercial kitchen and full hospitality setup.

So when does a home-cooked side hustle become a real food business?

In this episode, Tash and Emma unpack the rise of people selling cooked meals through Facebook Marketplace. They look at the appeal for home cooks, the economics of a tiny food business, and the awkward questions around licences, food safety and trust.

In this episode we'll discuss:

🍛 Why people are selling everything from biryani and samosas to baked goods and bento boxes through Facebook Marketplace.

🧑‍🍳 How home cooks and former chefs can test a food business without paying the upfront cost of a restaurant or food truck.

🛒 Why buying food through a polished website can feel more legitimate, even when the meal may still come from somebody's home kitchen.

📍 Why peer-to-peer food could be especially appealing in places with fewer takeaway options, including more remote parts of Australia.

💸 Whether the numbers can work when Australian ingredient costs are high, and how making a few extra meals could change the economics.

🍱 What a $15 meal, a three-hour preorder and a rotating weekly menu reveal about how these tiny food businesses actually operate.

🧾 The awkward loop where becoming licensed may require a commercial kitchen, even when the whole point of the business is to start small.

⭐ How reviews, detailed listings and repeat customers can create trust, and where that trust may still fall short of formal food regulation.

🏪 What happens to local restaurants and takeaway shops if peer-to-peer food becomes easier to find through a major platform.

The big takeaway? Peer-to-peer food sits somewhere between community cooking and commercial hospitality. The appeal is clear: lower startup costs, more local choice and a possible side income. The risks are real too, especially around food safety, trust and responsibility when something goes wrong. The episode does not completely settle that tension, which is what makes the idea so interesting.

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.

Super is easy to ignore because you might not touch it for decades. But in this episode, one simple 30-year example turns a small difference in net returns into almost $400,000.

So how much attention does your super actually deserve while retirement still feels far away?

In this episode, Tash and Jack unpack why super can feel boring, distant and wildly complicated, even though it can shape a huge part of retirement. They compare super with investing in your own name, then get into tax, first-home rules, investment choices, fees, SMSFs and some easy-to-miss admin.

In this episode we'll discuss:

🧮 How their $100,000 example grows to roughly $1.15 million versus $760,000 over 30 years under two different net return assumptions.

🔓 Why Tash preferred investing in her own name as a sole trader, including taking $10,000 out of super during Covid and investing it herself.

🧾 The difference between salary sacrifice and topping up super yourself, including the notice of intent that can matter when claiming a tax deduction.

🏠 How the First Home Super Saver conversation quickly gets complicated, from contribution limits to what happens if you change your property plans.

📈 Why money locked away for decades raises a very different investment question from money you may need sooner.

🏦 Whether some large super funds are becoming increasingly index-like, and why Jack questions paying higher fees if a portfolio closely follows a benchmark.

💸 Why SMSFs can come with thousands of dollars in annual admin costs before you even get to the investments themselves.

🧓 The surprise around people reaching retirement age while still holding large balances in accumulation phase, and why the distinction between accumulation and pension matters.

🎰 A listener question involving $225,000 of NRL gambling winnings, gold, borrowing, trusts and a girlfriend they do not trust with the money.

The big takeaway? Super can feel distant, inaccessible and full of rules, but those same features can make the details matter. The episode keeps returning to the trade-off between tax, access, fees, investment choices and flexibility. There is no single setup that suits everyone, but understanding what is happening inside your super can make the trade-offs much clearer.

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.

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.