Investing Doctrine

Finally got to watch the doco 🎥 Tune Out the Noise. An absolute treat for finance nerds like me. Brings to life names finance students have read in textbooks for decades and still read.

The documentary follows University of Chicago academics and pioneers who transformed finance in the 1960s, leading to the creation of Dimensional Fund Advisors. A tasteful sales pitch of science-based investing, diversification, and ETFs made more impactful by its complete lack of any Dimensional product names, prices or performance.

Also recommended if you are into luxury property and artwork 🤩

The documentary is available on YouTube for free - link in comments:

Dad jokes 😀

🚨We are all increasingly turning to AI models to seek financial advice. Here are the key risks to watch out for:

No legal safety net - AI is not a licensed financial adviser. If its advice is wrong, investors generally do not have the same consumer protections or compensation rights they may have when dealing with a licensed adviser. Use AI for education and research, but rely on qualified advisers for major financial decisions.

Incorrect calculations - AI can produce materially wrong projections. Always cross-check AI outputs against trusted calculators, official sources, super funds, ASIC, ATO guidance and product documents.

Missing personal context - AI may overlook important details such as tax position, debt, family needs, insurance, liquidity requirements, risk tolerance and retirement goals. This can make its advice too generic. Manage this by treating AI as a starting point and asking what assumptions or missing information could change the recommendation.

Bias reinforcement - AI can sound confident and may reinforce the investor’s existing views, especially when they are already interested in high-risk investments such as cryptocurrency or speculative shares. To manage this, ask AI for the bear case, key risks, contrary evidence and reasons why the idea may fail before acting.

Privacy and security risk - using AI for budgeting or financial planning may require entering sensitive information such as income, expenses, account balances or transaction data. This creates privacy and data-security risks. Avoid entering identifiable personal details. Use anonymised data wherever possible.

Tips to better manage money💰be wary of coupons.

Coupons are usually structured to have customers spend more than the coupon value. Only use coupons for items already on your list. Ignore minimum-spend targets if they push you to add extras. Compare “with coupon” cost to what you would spend without it. Walk away if you’re buying more or sooner just to “save.” Focus on needs, not deals 😉

Remember, Budget, Save, Invest, Repeat!

Contributed by Aadila Khalil Caynth. Thank you!

🛑 Considering to invest in a franchise?
Read this before you sign a franchise agreement!

Franchising promises turnkey business ownership, but the reality is far more challenging. You are essentially buying yourself a job with significant upfront costs—plus ongoing royalties that eat your revenue regardless of profitability.

Franchisor dictates everything from suppliers to marketing, leaving zero creative control. Most franchisees work 60-80 hour weeks, especially in the first years, earning less than they would in corporate jobs. Territory restrictions limit growth, and if the brand falters nationally, your investment crumbles through no fault of your own. The "proven system" often means proven profit extraction for franchisors, not franchisees.

🇦🇺 Australian Competition & Consumer Commission (ACCC) offers a free franchising course on its website - the 90 minute course helps you understand how franchising is different from other business models. It explains franchise agreements, due diligence, and leases.

Ask questions, understand the risks, and seek professional advice before buying a franchise.

You can access the course ‘Is franchising for me?’ on ACCC website - link in comments:

Tips to better manage money💰plan event shopping.

Keep tabs on presents you want to give on Christmas, birthdays, housewarmings... Buy in advance when the items are on sale instead of last minute shopping. Make your loved ones happy and your wallet happier 😉

Remember, Budget, Save, Invest, Repeat!

Contributed by Umair Talat. Thank you!

🚨Second straight month of growth in Non-farm payrolls has lifted S&P500 and Nasdaq to new highs!

What is Non-farm payrolls?
Non-farm payrolls (NFP) is a monthly employment report released by the US Bureau of Labor Statistics. It measures how many jobs were added or lost in the previous month across all major industries—excluding farm workers, private household employees, non-profit workers, and self-employed individuals. The report covers about 80% of US workers and includes data from approximately 670,000 worksites.

How NFP impacts equities?
Markets react strongly to surprises—when actual numbers differ significantly from Wall Street forecasts. Strong employment data typically indicates a strong US economy triggering risk-on sentiment which lifts equities. Conversely, weak jobs numbers signal economic slowdown, potentially triggering risk-off sentiment and benefiting safe-haven assets. Rising wage data within the report also affects corporate profit margins and equity valuations, if companies struggle to pass higher labour costs to customers.

Chart by Reuters

Tips to better manage money💰don't go shopping hungry.

When we go to the supermarket hungry, we tend to overspend relative to the planned budget and also more likely to ignore healthy‑eating intentions. So, have a snack before heading out 😉

Remember, Budget, Save, Invest, Repeat!

Contributed by Ammar Jeelani. Thank you!

🇺🇸 Securities and Exchange Commission (SEC) has proposed to end the mandatory filling of form 10-Q.

🤔 What is 10-Q?
For more than 50 years, public companies in the US have been required to report earnings on a quarterly basis by filing form 10-Q with SEC. It provides an update on company’s financial performance and includes unaudited financial statements, management commentary and key risk or legal updates.

🛑 Why is it being stopped?
Strong supporters of the proposal like President Trump believe removing 10-Q requirement will lower compliance burden, reporting costs and effort, especially for smaller companies. It is also expected to decrease short term pressure, allowing management to focus on delivering long term strategy rather than quarterly results.

📈 How it impacts investors?
Decreasing the required number of performance updates from 4 to 2 may give rise to lack of transparency. Higher risk of information gaps may increase stock price volatility as investors strongly respond to surprise updates and late reporting of operational issues.

😱 No need to panic.
The SEC proposal would still require annual reports and voluntary disclosures of material events. Evidence from UK, EU and Australia suggests that markets adapt by sharing adhoc voluntary updates.

You can read complete press release on SEC website - link in comments:

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Please share your favourite money saving tips and tricks in the comments 😊

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