{"version":"1.0","type":"rich","provider_name":"Acast","provider_url":"https://acast.com","height":250,"width":700,"html":"<iframe src=\"https://embed.acast.com/$/6758fc81bd3c99689c479ed3/68a82736352b565deb7997e2?\" frameBorder=\"0\" width=\"700\" height=\"250\"></iframe>","title":"46. Q&A: Employee share schemes, LICs, and mental accounting ","description":"<p>In this Q&amp;A episode, Dave and Hayden unpack three listener questions:</p><p><br></p><ul><li>Should you <strong>hold or sell employee share scheme stock</strong>?</li><li>Are <strong>LICs still a smart choice</strong>, or have ETFs taken over?</li><li>How <strong>mental accounting</strong> tricks us into bad money decisions.</li></ul><p><br></p><p><strong>Timecodes:</strong></p><p><br></p><p>(00:00) Intro</p><p>(02:30) Employee Share Schemes</p><p>(07:06) Tax &amp; Concentration Risk</p><p>(09:37) The “Would You Invest Cash?” Test</p><p>(13:09) FOMO &amp; Mental Accounting</p><p>(18:10) LICs vs ETFs</p><p>(34:07) Mental Accounting &amp; Debt Recycling</p><p>(42:40) Everyday Money Mind Games</p><p>(48:27) Hayden’s Investing Slip-Up</p><p>(54:48) Wrap-Up</p><p><br></p><p><br></p><p><a href=\"https://airtable.com/appm1Qj814tgX3I0O/pagP8jSwwyeYskjRk/form\" rel=\"noopener noreferrer\" target=\"_blank\">FI Case Study Request Form</a></p><p><br></p><p><a href=\"https://pearler.com/\" rel=\"noopener noreferrer\" target=\"_blank\">Pearler</a></p><p><a href=\"https://strongmoneyaustralia.com/\" rel=\"noopener noreferrer\" target=\"_blank\">Strong Money Australia</a></p><p><a href=\"https://pearler.com/explore/learn/blog/category/aussie-fire-ebook\" rel=\"noopener noreferrer\" target=\"_blank\">Original Aussie FIRE e-book</a></p><p><a href=\"https://open.spotify.com/show/0bJLBiONfbKv4VCgxoKpdM\" rel=\"noopener noreferrer\" target=\"_blank\">Strong Money Australia’s audiobook</a></p><p><br></p><p><strong><em>Disclaimer</em></strong></p><p>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.</p><p><br></p><p>Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from<a href=\"https://pearler.com/financial-services-guide\" rel=\"noopener noreferrer\" target=\"_blank\"> https://pearler.com/financial-services-guide</a></p><p><br></p><p>If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement &amp; Target Market Determination available from the product issuer’s website before deciding.</p>","author_name":"Hayden Smith & Dave Gow"}