DiscoverDev Raga Personal Finance
Dev Raga Personal Finance

Dev Raga Personal Finance

Author: Dev Raga

Subscribed: 1,270Played: 179,171


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
121 Episodes
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!
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.
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!!
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.
In this episode we will discuss Dr X cryptocurrency fraud story, and go into detail about types of consumer fraud.
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!
In this episode we will discuss the concept of rent vesting by using a typical example. Thank you monique for suggesting this topic.
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!
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.
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!!
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.
I have included 10 common questions I get asked a lot. Hopefully this covers the basics about me, my podcasts and my co host!
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.
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.
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!!
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!
In this episode I discuss the concepts of dividend reinvestment plans and fractional shares. I use examples to highlight each of these concepts.
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.
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.
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, investmenr costs and more.
Comments (90)

Sur A

Your Podcast on Investment for kids is super awesome and an eye opener on various levels! Thank you again!

Apr 8th

Sur A

Hey Dev, Thank you for your commitment to consistently deliver such informative, simplified, well researched, well presented financial podcasts for us! I understand them in your words much better than any financial advisor would explain to me! They are Gold and am enjoying them thoroughly!

Apr 8th

David Sulianto Lee

Hi Dev, I am interested to understand why we should expect returns on investments (say in a well diversified stock portfolio) are expected to be positive over time. While historical data supports this view, I am interested to know why this view should continue to hold prospectively. Thank you, David

Feb 14th
Reply (1)


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
Download from Google Play
Download from App Store