Dev Raga Personal Finance

In this episode we tackle index weightings. There are three main ways indexes are weighted: 1) market cap, 2) price weighted, 3) unweighted. We also answer an important question about choosing your medical speciality training program. 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 t...

In this episode I reflect on the major lessons I have learnt from 2020 from a money, debt, personal finance and investing perspective. Happy new year!! 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. I...

In this episode we will tackle a listener question about the temporary residence absence rule. We also do a deep dive into the points, percentage change and basis points system! 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 ac...

In this episode I discuss the concepts of dividend reinvestment plans and fractional shares. I use examples to highlight each of these concepts. 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 d...

In this episode we discuss a listener situation, a young medical student has already started to invest. Well done. We discuss the phases of market cycles, and how it may impact your investing strategy. 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 a...

In this episode I discuss how and why I started this channel, and will provide 10 basic steps to get started with your personal finances. 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 choos...

This is the last episode in my deductions series. In this episode we discuss little known deductions such as ATO interest, superannuation concessional contributions, gifts and donations, political campaigns, investment costs 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 t...

In this episode, Raymond gives us a tip about early stage innovation company. We also discuss self education expenses and tools and equipment. This is part 5 of 6, in our tax deductions series. 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...

In this episode we discuss the various ways you can use to calculate home office deductions. 1) short cut method, 2) fixed costs method, 3) actual costs method. 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 infor...

After reading a lot online about people waiting to invest due to the uncertainty of next week's presidential elections, we discuss the presidential election cycle and how it affects the stock markets! The motto is always #stayinvested 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 t...

In this episode we discuss listener questions about de accumulation assets. The main topic is about work related clothing expenses with many examples to discuss real life scenarios. 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...

This is part 2 of my mini series on tax deductions. Let's discuss vehicle related expenses, travel expenses and the two main methods of car deductions! I also answer the most common question u get, active v passive investing and index v ETF investing. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you sho...

In this episode we will discuss the concept of income and deductions. There are differences between a tax deduction vs a tax credit. This is part 1 of a 6 part series on tax deductions. 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, b...

In this episode we do a deep dive into the costs of owning an EV. I also discuss some of the quirks and annoyance of my EV - the Tesla model 3 SR+. 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 yo...

In this episode we tackle the concepts of angel investing and venture capital. Thank you to Welwyn for topic suggestion. 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...

In this episode we tackle bull and bear markets and discuss their definitions. We go into detail about various strategies active investors may want to employ when trading in these markets. We also tackle listener questions from a medical student called J! Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you...

In this episode we answer a listener question about 30-30-20-20 budget strategy. We take a detailed look at a financial plan, and the important elements of 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 acting on the inform...

I was fortunate enough to be featured in an interview with Dr David Keir who is the host of Dental Head Start Podcast. In this episode we go back to the basics of finances, and discuss some of the pitfalls that health care professionals may come across when it comes to saving, expenses, debt, investing, and retirement. If you are new to my podcast channel, you can catch up on all the major princip...

In this episode, we will extend deeper into behaviour finance topics such as prospect theory and disposition effect! 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 the concept of utility, utility theory and how it's very relevant to our personal financial situation almost daily. 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 y...

In this episode we answer listen questions about mortgages on personal homes and investment homes. We also dive deep into investment bonds! 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 will discuss about bitcoin, which is a specific cryptocurrency. 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 disclosur...

In this episode we will discuss about blockchain technology and use analogies to understand its real world applications. 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...

In this episode we will discuss the concept of liquidity when it comes to finances. Subtopics include: market liquidity, accounting liquidity, ratios, depth of market. 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 th...

In this episode we will discuss the concept of an initial public offering (IPO). 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...