Narrated by AI. Written by Victor Idoko.
Most investors don’t lose money because of bad investments.
They lose it because of their behaviour.
In this episode, we unpack the investor behaviour gap—the hidden cost between what your investments return and what you actually earn.
Because even when you choose the right fund,
your decisions during volatility determine the outcome.
We break down the numbers:
• Why funds returned ~8.2% while investors only earned ~7.0%
• How a 1.2% annual gap compounds into hundreds of thousands over time
• Real examples from Australian super during market downturns
And more importantly, why this keeps happening:
• Loss aversion
• Recency bias
• The need to “do something”
• Information overload
We also cover the five simple behaviours that close the gap:
• Automating investments
• Rebalancing with rules
• Reducing how often you check your portfolio
• Having a written plan
• Using an adviser as a circuit breaker
Because building wealth isn’t about picking better investments—
it’s about making better decisions when it matters most.
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