Kevin Elliott

speaker

823 appearances 2 recordings 1 series first heard Jul 2026 last heard 15 Sep

Kevin Elliott’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 2 in all, peaking in Sep 2026 with 1.

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Better With Money · ‘The best performing stock market was Colombia last year’: Picking an index fund as an Irish investor · 14 Jul 2026 podcast

So if you held for 20 years,

You don't pay anything until the point that you actually create a sales event.

Second thing is, if you had a big gain in one investment and a loss in the other, you can offset them to lower your overall tax bill.

You cannot do that when it comes to investing in funds.

And the tax system indirectly is telling people, you know, it's more tax incentive for you to invest in property or direct shares, which hold much more risk.

Yeah.

So, okay.

So physical just means, so let's say the index, right?

So the company that are purchasing the index, okay, that is the vanguards or dimensional, they're going out and they're saying, well, what we're going to do is we're going to go out and in a simple way, we're going to purchase, you know, the 500 shares, right?

In some way.

And

depending on how many, the size of the fund, they're going to purchase them in a weighted proportion.

That's the safest way to do it, right?

So let's say if anything happens to the fund, you still have something physical that's your collateral.

That's what you hold.

So if Vanguard or BlackRock were to go out of business, will they still hold the funds?

Will they still hold the individual stock?

So I strongly, strongly encourage you to purchase physical replication versus synthetic.

Synthetic is where you don't hold the physical stock.

What they do is they create derivatives, right?

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