Dev Raga Personal Finance

In this episode we discuss the core concept of socially responsible investing (SRI) ethical investing. We also discuss the plans for retirement from a personal point of view. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before actin...

In this episode we answer anonymous question about superannuation. I also discuss the main ways you can measure your financial security. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose...

In this episode we discuss the concept of hedging, speculation and short selling. I use examples to discuss each concept. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a finan...

In this episode i provide a 6 month update on my Tesla model 3. I also discuss where the government stimulus package is going to come from. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do cho...

In this episode we discuss recessions, is Australia at risk? We also discuss the theories behind why they happen. We also discuss briefly about a depression. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the informat...

In this episode we discuss public health principles of social distancing, and also an investment type known as annuities! Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a finan...

In this episode, I discuss how markets have reacted historically to pandemics. We also look at bull v bear markets, and update on current global factors affecting the markets. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acti...

in this episode I discuss the concepts in behavioural finance such as mental accounting, herding, anchoring, self attribution. I also discuss biases in financial decision making. I answer listeners' questions about dollar cost averaging vs lump sum investing. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that,...

In this episode we discuss the upcoming proposed changes to income protection insurance policies. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the pr...

In this episode we discuss dividends and how it's similar and different to distributions. We also go into detail about franking credits and refunds and why it's important to maximise those. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your need...

In this episode we discuss the key concepts of capital gains and capital losses. How do they get treated at tax time? Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial...

In this episode we will discuss a real life example of how fees can kill your retirement nest egg. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the p...

In this episode we will tackle the all important topic of personal services income. We will also discuss a systematic way to find out if paying your mortgage off is worth it. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before actin...

In this episode we discuss the latest news about Vanguard entering the superannuation industry in Australia, and also reduction in their fees. The main topic is about trusts, I discuss specific advantages such as income splitting and asset protection using trusts. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of...

In this episode we discuss a systematic approach to selecting the best real estate agent to sell your home! Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product r...

in this episode we discuss the power of focusing on 1 action to achieve goals. We also dwelve into the world of health care in Australia, and the world of private health insurance. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before...

In this episode I discuss my personal story of converting to an EV from a previous ICE car. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product...

In this episode we discuss in depth about credit reports and credit scores. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure state...

It's my first episode back from holidays and I am refreshed. Let's talk financial derivatives, pros and cons and risks. There are 4 main types of financial derivatives we discuss in this episode. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and you...

In this episode we discuss lessons from the past gfc1.0. We discuss strategies to prevent your personal finances to take a hit from the next recessions. Recessions are inevitable but you can take steps to minimise risks. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is a...

In this episode we discuss the concept of planning for your holidays and how it's important to correlate this with retirement - the biggest holiday of your life. The main topic is gold, how it's related to market volatility, currency, and its pros and cons as an investment. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. B...

In this episode we discuss about bonds, it's components and how the interest rate situation changes a bond price. Meanwhile I briefly discuss how to handle gross income for sole traders. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs,...

In this episode we will revisit some basic budgeting strategies. The main topic is cash flow followed by profit and line of credit. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to b...

In this episode we discuss about SMSFs and see the pros and cons. We also revisit debt repayment strategies. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product...

In this episode we discuss asset allocation, diversification and rebalancing. All of these are vital concepts to master. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financ...