Dev Raga Personal Finance

In this episode we discuss crypto staking, a question from Stefan. We also discuss the other options to bankruptcy: 1/ temporary debt protection, 2/ debt agreements, 3/ personal insolvency agreements. 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 an...

In this episode, we discuss Dr Z situation of contracting for a gp practice. We also discuss about the concept of bankruptcy, what is it, the implications, the consequences, the challenges and why it’s “not a get out of jail card”. 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...

In this episode we answer Dylan’s question about carry forward contributions for your super. The main topic is part 2 of decummulation strategy, and we discuss the concept of asset liability matching! 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 an...

In this episode we discuss the concept of de accumulation, and go into how dollar cost avging may not work in your retirement phase. This is part 1 of 2 episodes about de accumulation. 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, be...

In this episode we answer M’s question about how dividends are taxed. We also discuss the concepts of growth vs value investing. We also go into geeky concepts about risk adjusted returns. 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 discuss the concepts of offset accounts, redraw facilities. The main topic is about cost comparison between own an EV and an 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....

In this episode we tackle the issue of late starters to saving and investing. Then we go deep into the concept of Kelly criterion. 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 bu...

In this episode, we discuss Jesse’s question about HIN and Chess sponsorship when it comes to broker. Our main topic for this episode is about pet insurance, and some factors to consider. 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 discuss the concept of 1/ div 293 income, 2/ div 293 super contributions, 3/ excess contributions tax, 4/ excess contributions charge. 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....

In this episode we answer a question from Raiz, and show him how he can become a multi millionaire by keeping things simple. We go on to discuss the benefits of pet ownership, and the financial costs. 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 an...

In this episode we revisit what dividend reinvestment means, discuss franking credits and how DSSP (dividend substitution share plan) is different. I discuss the pros and cons. 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 act...

In this episode we discuss automation, specifically in relation to paying yourself first. We break down costs, when it comes to vanguard personal investor account. 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 in...

In this episode we discuss Dr P’s question about their problem: $1million in the bank. We then discuss the power of savings rates when it comes to investment returns! 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...

In this episode we answer Dr DB’s question about dca or lump sum investing. We also do a deep dive on stock buy backs. 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 financia...

This is a common topic request I get. In this episode we discuss the tax implications of investing for children. We also discuss investment bonds, ETFs, LICs, index funds, and most of all to keep healthy to teach kids good habits!! 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...

In this episode we answer Mohsin’s question about automation. We also dwelve deep into the world of corporate fraud, accounting fraud, white collar crime, insider trading, ponzi and pyramid schemes. 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...

In this episode we will discuss Dr X cryptocurrency fraud story, and go into detail about types of consumer fraud. 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 pr...

In this episode we answer a question from Neets who is a final medical student who asks: how to save for a home deposit and what concessions are there for first home buyers? We also discuss the concept of rent to own home schemes! 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 a...

In this episode we will discuss the concept of rentvesting by using a typical example. Thank you Monique for suggesting this topic. 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...

We continue on to discuss the basics of currency trading. We cover leverage, pips, current exchange rates, factors affecting current demand and supply, government manipulation of currency. We also answer dr x’s question about carry forward of unused concessional contributions! Any advice is general financial advice only which does not take into account your objectives, financial situation or needs...

In this episode we discuss currency trading, and use basic examples to highlight important points. In part 2, we will focus on pips, exchange rates, currency pairs and more. 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...

We have cracked 16000 unique listeners monthly!! In this episode we specifically focus on investment property deductions which are legal, and what is not allowed to be claimed. We also hear a review from the most epic username on Apple Podcasts!! Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should c...

What happened this week with Gamestop, and where to from here. I break it down in the simplest form, and provide my thoughts on an evolving story. 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...

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 statement (PDS) and target market determination (TMD) and obtain appropriate fina...

In this episode we discuss the concept of salary packaging / salary sacrifice. Subtopics include: capped vs uncapped benefits, meal and entertainment, help debt repayments and more. 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, befor...