Carl

And the last one I've got here, the Dallium winner in the last three year of the horses has not played in the grand final.

So Jared Hayne and Jonathan Thurston won in 2014.

Joey Johns won in 2002 and Cliffie Lyons won in 1990.

I actually just saw a stat before, Lane, that last year's Super Rugby, the average score in the game was 63.5 or something in every game.

Really?

Okay.

We've got unders on overs.

there if that makes sense yeah it doesn't anyway um i'll take uh bariska to place race three number two at doorman okay at a dollar 25 okay okay so bumping it up a little bit there yep i'll stick that in this week yeah i think it's allowed because it's still paying over six dollars the multi so it'll with the hundred dollars bonus it'll return us 556 dollars which i don't like that guys we this is

We're trying to block it out, and it's only February.

Yes, it's Amira in Cape Town with today's question, and she would like to know, a few percent in fees doesn't sound like much.

Is it really a big deal?

Yes, it is.

And over decades, it's massive.

A 1% annual fee on a 100K portfolio could cost you $30,000 plus in lost returns over 30 years.

It's not just the fee, it's the compounding that you don't get because of it.

So, look for low-cost index funds and ETFs, and keep platform or advisor fees in check.

Fees won't show up as losses on your statements, but they quietly eat into your future, and you don't need to pay more to invest well.

Yes, today's question is from Sam in San Diego.

And Sam wants to know, not to sound conspiratorial, but who really controls where money goes?

It's a good question, but yes, we'll avoid the tinfoil hats for today because no single entity controls global capital.