Dev Raga Personal Finance

In this episode we discuss the basics of superannuation and why it makes sense to maximise your super contributions. 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 listener questions about ETFs, LICs, and why sometimes doing nothing is the most important decision. We will go into details about bull traps, breakouts, stop loss orders, volume of orders, and candle stick graphs. 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...

In this episode we discuss various asset allocation strategies and the concept of rebalancing. We also get geeky and discuss subtopics of rebalancing such as smart beta. 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...

In this episode we discuss the major pitfalls of passive investing, is there an index investing bubble, and what is over diversification? 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...

In this second part we continue to discuss fundamental stock analysis for active investors. We look at price to book ratio and what it means, along with other subtopics. 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...

In this episode, we discuss about the power of time in the market and discuss price to earnings ratio. We use examples to highlight the merits and potential pitfalls. 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 discuss a listener question about the ASX 200 index. We also focus on corporate action and the various subtypes including mandatory and voluntary actions. 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 concept of financial risk and use examples to relate it to personal finance. 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 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...