DiscoverDev Raga Personal Finance
Dev Raga Personal Finance

Dev Raga Personal Finance

Author: Dev Raga

Subscribed: 1,068Played: 137,148


Dev Raga is a Melbourne (Australia) based podcaster who discusses common financial topics. This ranges from saving, investing, debt reduction, personal insurance and many more topics. He also gets really geeky about finance sometimes!

We are on Facebook: @DevRagaPersonalFinance
We are also on:
4. Apple podcasts
5. Spotify
6. Breaker Audio
7. Castro
8. RadioPublic
10. Podcast Addict
11. MixCloud
12. Overcast
98 Episodes
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 scenerios.
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.
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.
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+.
In this episode we tackle the concepts of angel investing and venture capital. Thank you to welwyn for topic suggestion.
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!
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.
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 principles in this one episode. Originally aired Aug 3rd 2020 The original interview can be found here: Dental Head Start website: Dental Head Start Podcasts: Dental Head Start Facebook Page:
In this episode, we will extend deeper into behaviour finance topics such as prospect theory and disposition effect!
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.
In this episode we answer listen questions about mortgages on personal homes and investment homes. We also dive deep into investment bonds!
In this episode we will discuss about bitcoin, which is a specific cyptocurrency.
In this episode we will discuss about block chain technology and use analogies to understand it's real world applications.
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.
In this episode we will discuss the concept of an initial public offering (IPO).
In this episode we discuss the basics of superannuation and why it makes sense to maximise your super contributions.
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.
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.
In this episode we discuss the major pitfalls of passive investing, is there an index investing bubble, and what is over diversification?
Comments (86)


Hey Dev , Thanks for sharing such valuable information. Great work. A quick question in relation to Index Funds. Would it be possible for you to name few Index Funds that are popular and ticks most of the boxes ? Sorry if you have already answered this question, I am new to your podcast. Thank you. Sen.

Aug 28th
Reply (4)

Guang Chen

Love your work. Keep up the episodes

Jul 19th
Reply (1)


Hey Dev, I recently bought IP due to the impending changes being rolled out. Am looking at TPD and life now. We are a 2 income family with 1 young dependent. I’m in my late 30’s and my husband in his early 40’s. No debt, our home is paid off (and being quite large and in a good neighbourhood, we are unlikely to ‘upgrade’). We also have 1 investment property (also fully paid off). We have a couple of hundred K in savings. Was wondering if tpd/life insurance is worthwhile in this setting? Do we both need it?

Jun 6th
Reply (1)

Manish Shah

I enjoy all your podcasts. I have learned so much!! Can you do a podcast on de-accumulation options, please!

Jun 5th
Reply (1)

Manish Shah

Hi Dev, You invest in accumulation units of the funds? They are automatically re-invested into the index funds. Over time the value of the portfolio grows. So, when it comes to de-accumulation what do you do? ie do you sell your funds; if you live off the dividend growth and preserve the principal - how do you work this out for a portfolio of index funds which are accumulation units?

Jun 5th
Reply (4)

Mark Ballamos

Any tip when to buy stocks?

Mar 25th
Reply (2)


Hello Dev I am so happy I discovered your podcast. Thank you for your time explaining the ins and outs of financial instruments. These are subjects that are not so easy to understand unless you have someone dedicated and experienced like you :-)

Jan 13th
Reply (1)

M Wang

Hi Dev, amazing podcast series. Just wondering when you say pay yourself first - i'm wondering how I should do this with a mortgage/redraw account.? I currently put everything into the re-draw and then pay bills/daily expenses and I save pretty well. I'm looking to get into the stock market at the moment and just trying to learn how to manage my funds between mortgage/investing in share market. thanks

Nov 13th
Reply (1)

ave nger

Hi Dev, really wonderful podcast about electric cars. Keep doign the good work.Can you do a podcast about Investment property VS ETF investment (ex: VAS) . Does it make a financial /tax sense considering income tax rate above 30 % and more . I don't own a PPOR as I am not yet sure I will be at the current place of work, Might move in future. What is your personal experience. Also considering current low home loan rates vs future as well. Thank you. Keep inspiring with your podcasts.

Oct 24th
Reply (3)


hi Dev, I have a question about VAS versus ETFs. You have mentioned there is no brokerage fee for investing in vas shares. however, I have set up trading account with bank and reguarly charged about 20$ everytime I buy VAS shares (Vanguard asx 300). Am I doing something wrong here??

Oct 3rd
Reply (4)


Hi Dev, thank you for these amazing podcasts! i am a bit confused between Vanguard asx 300 versus S&P 200 ... whats the difference? should one invest in both or either of them? and which one then? thanks

Oct 1st
Reply (3)

Shivanand Sheth

Fantastic Podcast. Learnt and understood a lot!

Sep 15th
Reply (1)

Surbhi malhotra

Hi Dev really enjoying listening to your podcasts - mine of knowledge! I was wondering if u could help answer a question on investment bonds vs ETF vs index funds. I am in it for the long term but on a high marginal tax rate. The 10 year rule seems attractive to me for investment bond as it suggests no tax after ten years. Does this mean that after ten years no tax is paid ( internal tax of 30%) vs ETF which would be taxed continually after ten years although at a discounted rate of 23% in my case. I understand fees etc in all but it’s trying to save on tax !

Aug 26th
Reply (1)

LudmilaFreitas LeandroPadua

hi Raga, love the podcasts! which super fund do you use?

Aug 20th
Reply (1)

K Chan

Hey Raga, Enjoying your podcasts so far, starting from the beginning. How can we use credit cards to our advantage? I know you say to avoid them but if we accumulate points while paying off the cards every month, I can't see a negative from doing so. Could you do a talk on that? Thanks.

Jul 28th
Reply (1)

Dilshan Mendis

Interest lost to the government would be an average of 1.5% not 3%, because income is paid fortnightly.

Jul 26th

Nadun Rubasinghe


Jul 18th

Ronald Michael

hey Dev, love the podcasts. I have learnt a lot from this If anyone were to contact you for some info, How can one reach you?

Jul 1st
Reply (26)

Nadun Rubasinghe


Jun 29th

AzA Jay

Hey Dev, love the series. Keep it up. I've been hearing a lot about REITs, mainly on American pages. Could you do an episode explaining what they are and whether there are good Aussie options for them

Jun 17th
Reply (2)
Download from Google Play
Download from App Store