In this thought-provoking episode, Teaminvest CEO Andrew Coleman delves into two of the most powerful forces shaping today’s markets: the rise of passive investing and the impact of AI and algorithms on stock market behaviour. Andrew explores how regulation, index funds, and technology are changing the landscape for investors, often creating perverse incentives and new risks. Discover why market efficiency is under threat, what the Grossman-Stiglitz paradox means for your wealth, and how active investors can find opportunity amid the chaos.

Key Topics:

• Passive investing vs. active management
• The role of AI and algorithms in modern investing
• Australian superannuation regulation (MySuper, Your Future Your Super, Hayne Royal Commission)
• Market efficiency, price discovery, and the Grossman-Stiglitz paradox
• Practical strategies for active investors to avoid wealth destruction and capitalise on market inefficiencies

Timestamps:

00:00 – Introduction: Passive investing and AI

07:00 – How index funds and regulation shape the Australian market

18:00 – The Grossman-Stiglitz paradox explained

25:00 – Bubbles, crashes, and price distortion

35:00 – How active investors can win

42:00 – Q&A: Speed vs. accuracy, advice for SMSF investors

Listen on:

• Apple Podcasts
• Spotify
• YouTube

Follow Teaminvest:

• LinkedIn
• Facebook

Keywords:

passive investing, active investing, AI, algorithms, stock market, superannuation, market efficiency, index funds, Grossman-Stiglitz paradox, Andrew Coleman, Teaminvest, Australian investing, wealth management, financial podcast

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In this episode, we spotlight two leading financial institutions from the Emerging Wealth Winners Conference. Kylie Merritt interviews Rahul Guha, CEO of Fiducian, about the firm’s integrated funds management, platform, and advice model, its scalable growth, and how Fiducian is positioning itself for the future of financial services.

Then, Andrew Coleman and Kylie discuss Kina Bank’s impressive performance in Papua New Guinea, sharing insights from CEO Ivan Vidovich’s presentation on how the bank is achieving double-digit returns, embracing technology, and seizing opportunities in an emerging market.

Key Topics:

• Fiducian’s “triple play” business model and scalable growth
• The role of quality advice and platform service in a changing industry
• Kina Bank’s low-leverage, high-return strategy in PNG
• Digital transformation and the opportunity in underbanked markets
• Lessons for Australian banks from Kina’s innovation

Timestamps:

00:00 – Series intro & Fiducian interview

18:00 – Kina Bank segment introduction & commentary

33:00 – Key takeaways and wrap-up

Listen on:

• Apple Podcasts
• Spotify
• YouTube

Follow Teaminvest:

• LinkedIn
• Facebook

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In this episode of the Emerging Wealth Winners Series, Ausbiz's Kylie Merritt interviews Michael Eadie (CFO, Credit Corp) and AWAG directors Lee IaFrate and Mark Stephen. Discover how Credit Corp’s US expansion is driving growth, the risks and opportunities in debt purchasing, and how AWAG is leading industry consolidation and activist investing in Australia’s financial services sector. This episode is part of the TIP Group’s partnership with Ausbiz, presented at the Emerging Wealth Winners Conference.

Key Topics:

• Credit Corp’s US business and market dynamics
• Managing risk and capital allocation in debt purchasing
• AWAG’s activist investment strategy and industry rationalisation
• The future of financial advice in Australia
• Intergenerational wealth transfer and advisor shortages
• Industry consolidation and growth opportunities

Timestamps:

00:00 – Series intro & Credit Corp interview

15:00 – AWAG interview introduction

16:00 – AWAG’s activist approach and market outlook

35:00 – Key takeaways and episode wrap-up

Listen on:

• Apple Podcasts
• Spotify
• YouTube

Follow Teaminvest:

• LinkedIn
• Facebook

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In this first episode of the Emerging Wealth Winners Series, produced in partnership with Ausbiz, we explore two ASX‑listed businesses that combine resilient earnings, disciplined risk management and long runways for growth: Solvar Group (ASX:SVR) and Mader Group (ASX:MAD).

Hosted by Kylie Merritt from Ausbiz as part of the Emerging Wealth Winners Conference, with commentary from TIP Groups CEO ,Andrew Coleman, this episode dives into:

• How Solvar has built a scalable, niche position in secured automotive finance for underserved Australians with non‑prime credit histories
• What Solvar learned from its multi‑year regulatory battle with ASIC, and how it has strengthened its governance, credit risk and First Nations training
• How Solvar is using AI to analyse call recordings, identify hardship, improve training and lower its OPEX ratio
• Why tighter private credit markets can actually favour Solvar’s equity‑funded balance sheet and drive consolidation opportunities

Then we shift gears to Mader Group, a global heavy equipment maintenance specialist that started from the back of a ute and now operates across Australia, North America and multiple industries:

• How Mader’s people‑first culture, “Three Gears” program and Global Pathways create a powerful moat in blue‑collar talent
• Why half of Mader’s Canadian workforce is Australian, and how internal training turns technicians into financially literate business leaders
• The strategic logic behind Mader’s expansion into North America, rail, infrastructure maintenance, oil and gas and other new verticals
• How Mader manages execution risk, sets margin hurdles for new geographies and maintains industry‑leading safety systems
• Why Teaminvest sees both Solvar and Mader as potential “emerging wealth winners” with attractive PE multiples and strong compounding potential

Whether you’re a long‑term investor, a Teaminvest member or simply curious about how smaller companies create durable competitive advantages, this episode offers a practical look at scalable business models, risk management and culture‑driven growth.

Listen on:

• Apple Podcasts: https://podcasts.apple.com/us/podcast/teaminvest-wealth-builders/id1811489508
• Spotify: https://open.spotify.com/show/71dSg1DgpesFF5TcaUsM1j?si=6677e1737e7642df
• YouTube: https://www.youtube.com/@Teaminvest2007

Follow Teaminvest:

• LinkedIn: https://www.linkedin.com/company/teaminvestaus/
• Facebook: https://www.facebook.com/Teaminvest-110499441334663

Join the Conversation:

How many holdings do you think you can genuinely understand? Share your thoughts on LinkedIn or Facebook and tag Teaminvest.

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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 life
• Systemic risk vs company/industry-specific risk
• Why volatility ≠ real-world risk of loss
• How regulators and industry use “risk” and “volatility” to sell mediocrity
• The hidden cost of portfolio bloat and overlap
• Diworsification: when diversification quietly destroys your upside
• How many assets you can realistically understand and monitor
• Circle of competence and intelligent risk-taking
• Thinking in terms of “loss given default” instead of abstract probability
• Why understanding what you invest in matters more than box-ticking diversification

Timestamps (suggested):

00:00 – Introduction: diversification vs diworsification

02:00 – Academic definition of diversification and risk

07:00 – Volatility vs real-world risk (and why regulators get it wrong)

13:00 – Industry incentives and under-promising “safe” returns

18:00 – Diworsification: when diversification caps your upside

23:00 – How many assets should you really hold?

28:00 – Circle of competence and high-conviction portfolios

34:00 – Risk as “loss given default” vs volatility

39:00 – Understanding funds and products beyond the label

43:00 – Final thoughts: do your due diligence, not just “spread the risk”

Listen on:

• Apple Podcasts: https://podcasts.apple.com/us/podcast/teaminvest-wealth-builders/id1811489508
• Spotify: https://open.spotify.com/show/71dSg1DgpesFF5TcaUsM1j?si=6677e1737e7642df
• YouTube: https://www.youtube.com/@Teaminvest2007

Follow Teaminvest:

• LinkedIn: https://www.linkedin.com/company/teaminvestaus/
• Facebook: https://www.facebook.com/Teaminvest-110499441334663

Join the Conversation:

How many holdings do you think you can genuinely understand? Share your thoughts on LinkedIn or Facebook and tag Teaminvest.

🎙️ 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.

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Have thoughts or questions? Email us at marketing@tipgroup.com.au or connect with us on LinkedIn

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Can you really achieve 15–20% annual returns from your original share investment—just by focusing on dividends? In this episode, Kerry Fleming explores the true wealth-building power of dividends, compounding, and patience. Discover how disciplined reinvestment, market volatility, and a focus on quality businesses can turn moderate starting yields into substantial income streams over time. With real-world examples from the ASX and practical strategies for 2025, this episode is a must-listen for anyone seeking lasting wealth and financial independence.

Key Topics Covered:

• Why dividends (not price) are the real secret to long-term wealth
• The role of compounding and reinvestment in boosting returns
• Real-world ASX examples: banks, resources, and blue chips
• How to calculate your yield on cost and track true income growth
• The importance of patience, quality, and ignoring market noise
• Using market volatility as an opportunity, not a threat
• What to look for in a dividend stock: balance sheet, payout history, management
• The role of franking credits for Australian investors
• Practical steps for building a high-yield portfolio over time
• The mindset needed for successful, income-focused investing

Timestamps:

00:00 – Welcome & Team Invest philosophy

02:00 – The dividend vs. price debate

04:00 – Compounding, patience, and quality

08:00 – Real-world scenario: 2015–2025 ASX portfolio

12:00 – The power of reinvestment and market dips

15:00 – Yield on cost: tracking your true returns

18:00 – Franking credits and tax benefits

20:00 – Current market conditions and dividend trends

24:00 – Practical steps for dividend success

28:00 – The importance of discipline and patience

30:00 – Final thoughts & Team Invest invitation

Listen on:

• Apple Podcasts
• Spotify
• YouTube

Follow us:

• LinkedIn
• Facebook

Join the Conversation:

What’s your dividend investing strategy? Share your thoughts on LinkedIn or Facebook!

About Teaminvest:

Teaminvest is an exclusive investment community helping Australians and New Zealanders build generational wealth through education, disciplined strategy, and peer wisdom.

🎙️ 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.

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Return on equity (ROE) is one of the most popular—and misunderstood—metrics in investing. In this episode, we break down what ROE really means, why it can be both a valuable tool and a dangerous trap, and how investors can avoid being misled by headline numbers. Using real-world examples like Qantas and the latest market trends, you’ll learn how to spot financial engineering, understand the impact of debt, and use ROE the right way in your investment decisions.

Key Topics Covered:

• What is ROE and why do investors love it?
• Why a high ROE isn’t always a good sign
• Real-world examples: Qantas, buybacks, and financial engineering
• The main ROE traps: debt, shrinking equity, and misleading growth
• The “Buffett trap”—and why capital structure matters
• How to dig deeper: cash flow, net debt, and ROIC
• Practical tips for using ROE in today’s high-interest-rate environment

Timestamps:

00:00 – Welcome & why ROE is misunderstood

02:00 – ROE basics: calculation and appeal

04:30 – Why ROE can be misleading

07:00 – Case study: Qantas and the ROE illusion

10:30 – The five ROE traps every investor should know

16:00 – Protect yourself: what to check beyond the headline

21:00 – ROE in the 2025 market: high rates, buybacks, and investor scrutiny

26:00 – Practical tips: cash flow, debt, ROIC, and management commentary

30:00 – Summary: using ROE wisely

Listen on:

• Apple Podcasts
• Spotify
• YouTube

Follow us:

• LinkedIn
• Facebook

Join the Conversation:

What’s your biggest question about investment metrics? Share your thoughts on LinkedIn or Facebook!

About Teaminvest:

Teaminvest is an ASX-listed financial institution focused on empowering investors through education, in-depth analysis, and a community of like-minded wealth builders.

🎙️ 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.

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Estate planning is one of the most important—and most overlooked—aspects of managing a self-managed super fund (SMSF). In this episode, Kerry Fleming is joined by SMSF specialist Meleena Mitchell to break down the essentials of SMSF estate planning, including death benefit nominations, eligible beneficiaries, tax traps, and the practical tools you need to ensure your super goes to the right people, at the right time. If you want to safeguard your legacy and avoid costly mistakes, this episode is a must-listen.

Key Topics Covered:

• Why estate planning is critical for SMSF members
• The difference between binding and non-binding death benefit nominations
• Who qualifies as an eligible beneficiary (and who doesn’t)
• Common tax traps: death tax and tax dependents explained
• How to use reversionary pensions and enduring powers of attorney
• The importance of regular reviews and updating your trust deed

Timestamps:

00:00 – Welcome & why estate planning matters

02:00 – SMSF death benefit nominations: binding, non-binding, lapsing, non-lapsing

09:00 – Who is an eligible beneficiary?

13:00 – Financial dependents, interdependency, and trust deed requirements

18:00 – Death tax, tax dependents, and payment options

25:00 – Estate planning tools: reversionary pensions & enduring power of attorney

30:00 – Practical tips: regular reviews, major life events, and trust deed updates

33:00 – Final thoughts & how to get help

Listen on:

• Apple Podcasts
• Spotify
• YouTube

Follow us:

• LinkedIn
• Facebook

Join the Conversation:

What’s your biggest SMSF estate planning question? Share it on LinkedIn or Facebook!

About Teaminvest:

Teaminvest is an ASX-listed financial institution focused on empowering Australians through education, rigorous analysis, and a community of like-minded wealth builders.

🎙️ 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.

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Love what we’re doing? Please show your love by sharing this episode with a friend.