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A lifetime of good investing: Your 20s vs. 40s vs. 60s
What your portfolio looks like at 60 should be very different to 20, or even 40. Your investing should evolve as your life does. In this episode, we show you how to make every decade count.
It’s never too late to change your financial future. At every stage of life there are steps you can take to get the most out of the years ahead.
We cover:
- A model portfolio for each key decade; 20s, 40s and 60s.
- Why time is your biggest advantage in your 20s.
- The traps to avoid in your 40s (hello, lifestyle creep).
- How to de-risk in your 60s without missing out on income
Links Referenced:
📝 Download our FREE ETF Handbook: everything you need to get started with ETFs.
📚 Read our book: Don’t Stress, Just Invest
🎧 Listen to: What’s in our portfolios on Equity Mates
📞 Have an investing question? Leave us a voicemail, and we'll answer it on the podcast!
🎥 We're on YouTube! Watch full episodes on our brand new Get Started Investing YouTube channel Subscribe here.
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In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.
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Get Started Investing is a product of Equity Mates Media.
This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.
Equity Mates Media operates under Australian Financial Services Licence 540697.
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6. How do you actually buy shares?
20:05||Season 12Once you’ve decided what to invest in, how do you actually make an investment? If your investing outside of superannuation, you’ll need to use a broker. But which broker should you use? It’s one of the most frequent questions we get from people starting their investing journey. There are so many of them available, it can be hard to know where to start. But no need to stress, that’s why we’re here and making this series! In this episode you’ll learn: · The two ways every person can invest · What is a broker?· The 4 factors we use when choosing a broker (and why they matter):· Which brokers we use This is Part 6 of our 12 step series sharing everything we’ve learned about investing to help you get started, or to remind you of why it’s so important.Chapters:——— Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered. ———In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.———Get Started Investing is a product of Equity Mates Media.This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.Equity Mates Media operates under Australian Financial Services Licence 540697.
5. What can we invest in?
16:51||Season 12You can invest in all kinds of things through the stock market. You might have heard a few of them thrown around like; Stocks, Bonds or Property. They’re called different Assets or Asset Classes. So how choose which is right for you and how do these assets make you money? That’s what we’ll cover in part 5 of our 12 step series sharing everything we’ve learned about investing to help you get started, or to remind you of why it’s so important.You will learn: · What is an investable asset?· The most common forms of investments· How you can access them all through the stock market· How do you actually make money from any of these assets? (2 ways)· Why we prefer stocks over all the other assetsThis is Part 5 of our 12 step series sharing everything we’ve learned about investing to help you get started, or to remind you of why it’s so important.Chapters00:00:00 What Is An Investable Asset?00:02:15 The Four Most Common Investments00:04:53 ETFs are like Bundles00:06:31 Two Ways Investments Make Money00:07:47 Investing Versus SpeculatingThe Seth Klarman Clip at 7:42 is from 'Margin of Safety' on the Active Investor Magazine YouTube Channel, 14 Feb 2025.——— Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered. ———In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.———Get Started Investing is a product of Equity Mates Media.This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.Equity Mates Media operates under Australian Financial Services Licence 540697.
4. The Basics of Investing
21:15||Season 12How do you actually invest? Well there's no one “right” way to do it; there are different styles which suit different goals and appetites for risk. The first three episodes of this series covered the foundations you need to get sorted before you can start investing. Now, it’s time to tackle how to make an investment. In this episode we cover what’s actually happening when you invest in the share market and how to know which investing style is right for you. You will learn: · What is the share market · What is a share and what does it mean to own one?· The different styles of investing This is Part 4 of our 12 step series sharing everything we’ve learned about investing to help you get started, or to remind you of why it’s so important.Chapters00:00:00 Why Investing Beats Letting Cash Sit00:04:44 Owning Small Pieces Of Big Brands00:08:10 Hands-On Or Hands-Off Investing00:11:39 Three Hands-On Styles Explained00:18:58 Finding A Style That Suits You——— Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered. ———In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.———Get Started Investing is a product of Equity Mates Media.This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.Equity Mates Media operates under Australian Financial Services Licence 540697.
3. Saving to invest
17:09||Season 12The single most influential factor in growing your long-term wealth, is the amount you’re able to save. Maximise your ‘savings rate’, then put that money to work by investing it and your future self will thank you. So, how do you do that? In this episode you will learn:How much money you need to start investingWhy the most powerful factor is your savings rateBryce’s approach: Rule of 3’sRen’s approach: Pay yourself firstThis is Part 3 of our 12 step series sharing everything we’ve learned about investing to help you get started, or to remind you of why it’s so important.Chapters:00:00:00 The Money Habit With the Biggest Impact00:01:58 Investing Isn’t Just For High Earners00:02:58 This Is the Part You Can Control00:05:28 How We Each Stay Disciplined00:11:30 Find the Spending That Trips You Up00:14:50 Saving Now Equals Freedom Later——— Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered. ———In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.———Get Started Investing is a product of Equity Mates Media.This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.Equity Mates Media operates under Australian Financial Services Licence 540697.
2. Am I investment ready?
17:32||Season 12When is the “right” time to start investing? How do you know if you're ready? We’ve heard plenty of reasons why people put it off. Not enough money, it feels too risky and more! We are here to tell you: now is the time. You have everything you need. In this episode you will learn:Why now is the time to start investingWhat you need to get started investingHow to clear your high-interest debtAbout other debt: Mortgage, HECs etc.Building your emergency fundThis is part 2 in our 12 step series sharing everything we’ve learned about investing to help you get started, or to remind you of why it’s so important.Chapters:00:00:00 Why Delaying Feels Sensible00:02:21 Waiting Wastes Your Advantage00:04:07 Everything You Need To Begin00:06:07 Clearing Costly Debt First00:08:08 Mortgage And HECs: What Matters00:12:54 An Emergency Fund Comes First00:14:47 You Can Start With Just One Dollar——— Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered. ———In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.———Get Started Investing is a product of Equity Mates Media.This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.Equity Mates Media operates under Australian Financial Services Licence 540697.
1. Why investing is for everyone
21:48||Season 12Investing. It can feel daunting, confusing or just too hard. The great news is that getting started is not as difficult as you might think. The stock market is a powerful wealth-creating machine, yet so many people miss out on utilising it. That’s why back in 2019, we created this series to break down the barriers and explain how to start investing. 7 years on, we're doing it again! An updated (even simpler to follow) 12 part series, sharing everything we’ve learned about investing to help you get started or to remind you of why it’s so important. Welcome to the first instalment! And if this is your first episode. Congratulations: your investing journey has officially begun. In this episode you will learn:What is Equity MatesWho we are – Bryce & RenOur first investments4 reasons why we invest (and you should too!)Chapters: 00:00 What this 12-part series will cover02:35 Who we are (and why that matters)04:40 If we can do it, anyone can07:06 How our investing journeys began11:16 Hear why other listeners invest 12:03 Our four reasons for investing13:15 The power of compounding explained17:17 The $1 a day investing challenge20:10 In the next episode... ——— Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered. ———In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.———Get Started Investing is a product of Equity Mates Media.This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.Equity Mates Media operates under Australian Financial Services Licence 540697.
How we'd invest $5,000 today (December 2025)
20:30||Season 11Still haven't started investing because you're not sure what to actually buy? We're solving that today. In this episode, Ren and Simon each reveal exactly what they'd invest in with $5,000. Real holdings, real strategy, but fake dollars. These two portfolios are concrete examples to show you how simple getting started can be.Timestamps:00:00:00 – Why Starting Feels So Hard00:02:05 – The Logic Behind Core and Satellite00:06:39 – How Simon Builds a $5K Portfolio00:09:54 – What Other Investors Would Choose00:10:56 – Ren’s Approach to a Diversified $5K00:18:07 – Takeaways for Your Investment PlanETFs mentioned: DHHF, QBTC, HACK, GHHF, EXUS | Stocks mentioned: Tesla, Coinbase, LVMH, Goodman GroupLinks Referenced:🎧 Listen to: core and satellite | Cybersecurity ETF: HACK | Our interview with Coinbase CEO Brian Armstrong📞 Have an investing question? Leave us a voicemail, and we'll answer it on the podcast!📝 Download our FREE 4 step checklist to analyse any stock (It’s beginner investor friendly).📝 Download our FREE ETF Handbook: everything you need to get started with ETFs.———Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.———In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.———Get Started Investing is a product of Equity Mates Media.This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.Equity Mates Media operates under Australian Financial Services Licence 540697.
Boost My Budget: Simple changes to get on top of your spending
23:32||Season 11Hilda knows with the amount she’s earning- she should be saving more. But money is something she hates dealing with. Normally, she lacks the motivation to do anything about it. But with a recent pay cut, it’s clear things need to change. So- she joins us on our series; Boost my Budget to get help building a low touch budget that will have her spending less, saving more and even- starting to invest. Your saving rate has the biggest impact on building your wealth. If you’re someone who’s been burying their head in the sand or coasting by, knowing you could be making your money work better- good news. It doesn’t have to be hard or scary. In this episode we cover ways everyone can improve their savings rate.Timestamps: 00:00:00 – Why Money Feels Hard To Face00:01:34 – What Hilda Wants To Change00:03:19 – Her Current System00:05:37 – What Her Spending Says About Her00:07:32 – The Surprises In Her Cashflow00:09:26 – Where Her Food Budget Goes00:10:52 – The Savings Gap She Didn’t See00:12:42 – Is The Credit Card Helping?00:14:13 – A System To Make Money Easier00:16:28 – The Budget That Actually Works00:18:49 – How To Make Savings Grow00:20:40 – A Simple Way To Start Investing00:22:07 – What To Do From HereLinks Referenced: 💸 Want your Budget Boosted next? Apply here💲 PocketSmith is offering Equity Mates listeners 50% off the first 2 months of a Foundation Plan. To try PocketSmith for yourself head to pocketsmith.com/equitymates📞 Have an investing question? Leave us a voicemail, and we'll answer it on the podcast!🎥 We're on YouTube! Watch full episodes here.📝 Download our FREE 4 step checklist to analyse any stock (It’s beginner friendly).Or our FREE ETF Handbook: everything you need to get started with ETFs.———Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered.———In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.———Get Started Investing is a product of Equity Mates Media.This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.Equity Mates Media operates under Australian Financial Services Licence 540697.
An investors guide to Black Friday
17:18||Season 11Black Friday and end of year sales are here and you have the opportunity to use it to your advantage. In this episode we present our 3-step guide to tackling this high spend season with a financially literate, investing savvy mindset. Every dollar you don’t spend, is a dollar you can invest- so here’s how to make your money work harder for you. We cover:- The doggy sales tactics to watch for and how to avoid them.- How to get the best deals and stop impulse buying or overspending.- Our 3-step guide to tackling Black Friday Sales as an investor Timestamps:00:00:00 – We're Talking about Shopping Now? Not Quite00:02:04 – How Black Friday Takes Shape in Aus00:04:53 – Sales Tactics To Watch Out For00:06:00 – How to Avoid Those Traps00:08:59 – Our Three Step Plan To Use Sales Well00:13:35 – Build Investing Skills with Black Friday Links Referenced:🎧 Listen to: What is the stock market and how does it actually work?📞 Have an investing question? Leave us a voicemail, and we'll answer it on the podcast!🎥 We're on YouTube! Watch full episodes here.📝 Download our FREE 4 step checklist to analyse any stock (It’s beginner friendly).Or our FREE ETF Handbook: everything you need to get started with ETFs.——— Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we’ve got you covered. ———In the spirit of reconciliation, Equity Mates Media and the hosts of Get Started Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today.———Get Started Investing is a product of Equity Mates Media.This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional.Equity Mates Media operates under Australian Financial Services Licence 540697.