Simplifying Investing

From global tensions to glittering trends, Diana and My break down the latest market movers 🌍📉. Tune in for insights on the US–China tariff drama 🇺🇸🇨🇳, gold’s meteoric rise 🪙, and the unexpected craze for Labubu dolls 🎁. Plus, they unpack Australia’s super tax shake-up 💼, housing supply struggles 🏘️, and migration pressures. Important information: This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 16 October 2025. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group

Shane and My dive into the latest RBA meeting 🏦, breaking down what shifting interest rate signals mean for inflation, housing affordability, and first-home buyers. They explore the impact of the 5% deposit scheme 🏠 and why house prices continue to climb despite rate hikes. The episode also covers broader economic themes 🌏—from Australia's housing supply crisis and generational wealth gaps to the looming U.S. government shutdown 🇺🇸 and new tariffs.mportant information: This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 03 October 2025. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group

This episode of Simplify Investing dives deep into Bitcoin’s role in the modern financial system. Shane sits down with Jonas, a quantitative analyst, to unpack the history of money—from seashells and gold to today’s fiat currencies—and how Bitcoin might fill the gap as a new store of value. They tackle Bitcoin’s volatility, its reputation as “digital gold,” the rise of stable coins, energy concerns around mining, and how a small allocation could fit into a diversified investment portfolio. The discussion balances scepticism with opportunity, offering clarity on whether Bitcoin is truly the future of money or just another speculative fad.Top Topics Covered:⚖️ History of money & gold standard💵 Fiat currency vs. Bitcoin📈 Bitcoin as “digital gold” & store of value⚡ Mining, energy use & renewables🔒 Security, crime & blockchain transparencyImportant information: This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 17 September 2025. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Shane and Diana explore the latest market trends, from U.S. profit growth and bond yield pressures to the challenges facing global debt and the outlook for Australia’s economy. They share insights on what’s driving sharemarkets and where risks may lie ahead.They also discuss the forces shaping U.S. dominance, the role of tech in growth, and how policy shifts could influence markets over the longer term. A clear-eyed look at what investors need to watch next.📈 Are U.S. profits masking deeper risks?💡 Why bond yields matter more than you think🌏 Is U.S. exceptionalism coming to an end?🥇 Gold at record highs — what’s it telling investors?🔎 Australia’s economy surprises — but for how long?🎮 Markets, bonds… and Nintendo Switch?Important information: This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 05 September 2025. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Shane and Diana break down what’s really driving markets right now — from tariffs and tech wobbles to interest rate cuts and investor nerves around AI. With Wall Street corrections and Australia’s own shifts in consumer confidence, they unpack what all this means for everyday savers and investors.The chat also dives into Australia’s bigger picture: falling company profits, cost-of-living pressures, and long-overdue reforms on tax, regulation, and spending. Plus, a few eyebrow-raising stories on billion-dollar blowouts and economic curveballs that show why policy decisions matter for everyone.Important information: This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 21 August 2025. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

🎙️In this special episode, we are joined by Ash Frenken, managing director of Citro, a fintech rewards and community platform backed by AMP. Join Ash and Dan as they dive into:✅ Lessons learnt from a decade in Australia's startup scene✅ The retirement gap: how did Citro start and what problem does it solve for today?✅ Fight or flight? Why evolution is key to maintaining your competitive edge✅ What's ahead: Preview of the 2026 Retirement Destinations Guide✅ And why planning your best retirement means caring for both your wealth and your wellbeing.Find out more about Citro: https://www.joincitro.com.au/Cirto's destination guide 2024: https://www.joincitro.com.au/resources/2024-guide-to-australias-top-30-retirement-locationsImportant information: This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 19 August July 2025. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Diana and My dive into the US job market shake-up, with payroll numbers slashed and markets reacting. They unpack why these revisions happen, the politics swirling around the Fed, and how new tariffs are hitting countries differently-some harder than others. Closer to home, Australia’s inflation is easing, retail spending is perking up, and the RBA looks set for a rate cut in August. Important information: This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 08 August July 2025. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.https://www.amp.com.au/https://www.amp.com.au/resources/insightshub#shaneoliver #dianamousina #mybui #amp

Markets are rallying near record highs despite weak job data and rising unemployment in Australia. Diana and My explore sector shifts in the ASX, why the RBA held rates in July, and what soft wage growth and falling job ads signal for the economy. They also cover global trade tensions, new U.S. tariffs under Trump, Japanese rice inflation and Trump’s cane sugar push for Coca-Cola. Plus, analysis of the RBA minutes and why more rate cuts should be on their way.Important information: This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 24 July 2025. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.https://www.amp.com.auhttps://www.amp.com.au/resources/insights-hub#shaneoliver #dianamousina #mybui #amp

Share markets have delivered a second consecutive year of double-digit returns, generating some great outcomes for super fund members and investors alike, despite climbing a wall of worry. But what’s driving this sustained strength, and what does it mean for the future? Join Shane and My as they break down the factors behind the share market rally over the last financial year, look at Trump's recent posturing over the reciprocally high tariff rates, and explore what members should keep in mind as market conditions evolveImportant information: This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 11 July 2025. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.#shaneoliver #dianamousina #mybui #amp https://www.amp.com.au/https://www.amp.com.au/resources/insights-hub

The 12 day war between Israel and Iran looks to be over...for now. Questions over the extent of damage sustained by the US strikes continue to mount amid civil unrest and calls for regime change, causing more volatility for share markets. Where do we go from here? 🎙️ Join Shane and Diana as they unpack the implications for global markets and oil prices, growing pressures on the Fed to cut rates sooner and the looming July deadline for tariffs. With the RBA meeting in two weeks, Shane and Diana also preview the latest domestic inflation figures for May, with trimmed mean coming in lower than expected and good news for Aussie households.Important information: This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 26 June 2025. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.#shaneoliver #dianamousina #amp https://www.amp.com.au/https://www.amp.com.au/resources/insights-hubhttps://www.amp.com.au/resources/insights-hub/olivers-insights-five-charts-for-uncertain-times

🎙️ On the pod this week: Shane's back! Joining Diana behind the mic, they dive into:✅ Geopolitical risks in the Middle East✅ Market reactions✅ Ongoing US tariffs✅ Australian GDP data✅ A dovish-sounding RBA✅ And... does the Australian Government finally have a plan to boost productivity? Plus, a Friday dilemma:☕ Are we all spending too much time at the café and down at the beach?🌊 Or is this what a “new normal,” productive workforce looks like?📲 Tune in now for insights, and a fresh take on the week’s biggest economic stories.Important information: This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 19 June 2025. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Markets have calmed down following some short-lived panic regarding the latest Trump trade talks and discussions around tariffs for China and the EU. More negotiations are under way with recognition that the US ultimately does want to reach a deal with its key trade partners, but some investors are now beginning to abandon the US as a 'safe haven'. On the pod this week, Diana and My explore what it means for global markets and why we've likely seen the worst in terms of market troughs or falls relating to the Liberation Day losses, despite some further volatility expected ahead.Important information: This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 29 May 2025. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Housing prices in Australia have continued to rise rapidly over the last two decades, with housing unaffordability and the cost of living affecting both first home buyers and older Australians retiring with greater levels of mortgage debt. On the pod this week, Diana is joined by buyer's agent Ravi Sharma and AMP Bank's Sean O'Malley to talk about the pressures faced by Australians in the housing market today and what options and choices they can make when it comes to freeing up cashflow in retirement.Important information: This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 21 May 2025. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.More on Ravi: Ravi Sharma is the founder of Search Property Buyer's Agency, one of the fastest growing buyers agencies in Australia. Search Property has also been named as a finalist in the REB Awards as the Best Buyer's Agency in Australia 2023 & 2024. By the age of 32, Ravi successfully acquired a property portfolio of $15M, showcasing his expertise and commitment to property investment. He is also the host of Australia's #1 property channel on YouTube, Personal Finance with Ravi Sharma, with subscribers eager to learn about real estate, investing,and building a foundation for retirement. Ravi also hosts the ‘More Than Money’ podcast on Spotify and YouTube, exploring conversations with influential figures across the Australian landscape. Ravi holds a Bachelor’s in Business, an Advanced Diploma in Conveyancing, a Certificate IV in Finance & Mortgage Broking, and a Class 1 Real Estate Licence. His blend of knowledge & experience helps clients achieve financial freedom through property.

Trump has cut a deal with China which came a lot sooner than expected. The worst case scenario seems to have been averted for now, resulting in a recovery in sharemarkets and reassurance to those panicking at the bottom. Meanwhile, Labor winning 93 seats in the Australian Federal Election means they now have the largest gap between an Opposition and the governing party since the mid 1970s. On the pod this week, Shane and Diana look at the changing winds behind US and China relations, what Labor's dominant win for economic policy in Australia and why the proposed $3 million super cap deserves a closer look.Important information: This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 15 May 2025. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

The latest inflation data is in and we're finally back on target. Markets are up by over 10% now that the reciprocal tariffs have been pushed out by 90 days, but there's still a long way to go. On the pod this week, Shane and Diana unpack the latest March quarter headline inflation data, look at the election promises made ahead of the Federal Election in Australia, as well as how a Trump administration is acting under pressure, and the consequences for consumer confidence, GDP figures and the labour market.Important information: This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 3 May 2025. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Economics looks at what's happening in the world but recent media reports have charted the long-run decline in students studying economics at high school and a relative decline in students studying a Bachelor of Economics at university relative to STEM fields. This week, Diana is joined by Ash and Divita in a special episode looking at how economics is taught in Australia, the importance of financial literacy and critical thinking, and why studying global markets has never been more important.Important information: This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 28 April 2025. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

In this ep Shane and Diana unpack Liberation Day tariffs, the possibility that the market is yet to bottom out, what this means for shares and a few key takeaways around your super in uncertain times. Important information: This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 17 April 2025. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

We are now well and truly into 'election mode' with a federal election set for May 3rd, and both sides of politics on the campaign trail. Cost of living pressures are shaping up as a key election issue, but are fuel excises and electricity rebates just short-term fixes and band-aid solutions? Will they do anything to arrest the stagnation of living standards in Australia over the last 8 years? Join Shane and My as they unpack some of the key policies shaping the debate, the latest data on the housing market and productivity levels in Australia, and what's needed to help bring our economy back on track.Important information: This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 03 April 2025. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

Share markets have been downtrodden over the past few weeks over concerns that the Trump administration's recent policy decisions will be negative for growth, causing further uncertainty for global trade and the local economy. Join Diana and My as they unpack the latest GDP data, examine inflation expectations for consumers and look ahead to what we can expect from this year's Federal Budget.Important information: This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 20 March 2025. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.

In a week where the US pushed ahead with tariffs, we saw a lot of policy uncertainty with services and manufacturing companies seeing a decline in sentiment and consumer inflation expectations spiking. Join Shane and My as they look at what all these changes mean, the problems for investors, as well as whether the Department of Government Efficiency (DOGE) is really the answer for cutting red tape.Important information: This podcast is general in nature and hasn’t taken your circumstances into account. It’s important you consider your personal circumstances and speak to a financial adviser before deciding what’s right for you. Any general tax information provided is intended as a guide only. Remember the value of investments may go up or down and you may not get back the amount you invested. The opinions and views featured in this podcast reflect the individual’s own. Date of publication 06 March 2025. AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121, part of the AMP Group.