Dev Raga Personal Finance

In this episode we discuss the financial concepts of leverage and margin and how they differ. We also discuss why it's not a good idea to just have large amounts of cash in the bank. 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, befo...

In this episode we discuss the main differences between risk and volatility. We also discuss why volatility can be your friend and how best to take advantage of it in the long-term. 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...

It's been a year since I started podcasting about personal finance principles and concepts. Thanks for the support. Let's summarise what we have learnt so far! 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...

In this episode we discuss the concept of financial alpha. we also deep dive into the financial advisory service. 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 pro...

In this episode we discuss REITs, how they are advantageous and what are some of the factors that impact a good REIT. 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 discuss some of the new changes for the 2020 financial 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. If you do choose to buy a financial product read the product disclosure...

In this episode we discuss if a 40 year mortgage is a good thing or too risky. We also delve deep into financial theories such as loss aversion, prospect theory and status quo basis. 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, befo...

In this episode we discuss investment properties and the concept of land to asset ratio. Is it important and if so what is the optimal ratio? 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 c...

In this episode we discuss the concept of factor investing. Is it a free lunch in investing? 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 some basic rules about how to calculate house affordability and borrowing capacity. We also discuss my personal budgeting rule of thumb. 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 aggressive savings rules. We also delve into robo-advisory services. 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 prod...

In this episode we discuss the shocking statistic that most Australians don't invest their money in shares. We also find out what an economic moat is and why it's important to identify. 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 discuss the 4% withdrawal rate rule, and the multiply by 25 rule. 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 disclos...

In this episode we discuss David Bach's new book, the pay yourself mantra, discuss the pay activ app and have a detailed look at listed investment companies. 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 I discuss some basic financial principles of travelling. Travelling is fun and should never affect your personal financial situation back 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 inform...

In this episode, I discuss the importance of wills: revisiting this topic and some of the key things to consider before setting one up. Part 2 of the podcast is the investment property ticking time bomb. 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...

In this episode I discuss the similarities and differences between index funds and ETFs and how you need to do your sums to work out what's best for 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....

In this episode I discuss the concept of lifestyle creep and how it can seriously derail your retirement plans. There are things you can do to minimise 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 informatio...

In this episode I tackle income investing with a particular focus on dividends. Dividends are a powerful way to create wealth. In Australia we are fortunate to avoid double taxation when it comes to dividends. 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...

In this episode I discuss the concept of debt consolidation and differentiate it to debt agreements/settlements. I also discuss credit counseling. 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...

Buying a car is often the second biggest purchase you will make in your life so it makes sense to have a financial strategy for doing so. In this episode we discuss the basic things to watch out for when buying a car, and consider the financial options. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you s...

In this episode, I discuss the all important financial concept called sequence of returns risk and why it can make or break your retirement nest egg. I also go into the tried and tested method of investing: "buy the haystack not just the needle" and "time in the market is more important than timing the market". Any advice is general financial advice only which does not take into account your objec...

In this episode we discuss the all important concept of inflation. you need to understand inflation otherwise your retirement nest egg may be worthless. 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 I discuss the concept of arbitrage and various types. I also discuss a recent financial article I read about personal finance anxiety. 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...

In this episode I discuss some of the pitfalls of behavioural finance, summarise the findings of the Royal Commission into the banking sector, and go into detail about buying v renting a home. I also highlight a recent success story of 2 young doctors. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you sh...