DiscoverDev Raga - Personal Finance Podcasts
Dev Raga - Personal Finance Podcasts

Dev Raga - Personal Finance Podcasts

Author: Dev Raga

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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 on Spotify Podcasts:
69 Episodes
In this episode we discuss public health principles of social distancing, and also an investment type known as annuities!!
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.
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.
In this episode we discuss the upcoming proposed changes to income protection insurance policies.
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.
In this episode we discuss the key concepts of capital gains and capital losses. How do they get treated at tax time!!
In this episode we will discuss a real life example of how fees can kill your retirement nest egg.
Episode 62: What is PSI?

Episode 62: What is PSI?


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.
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.
In this episode we discuss a systematic approach to selecting the best real estate agent to sell your home!
in this episode we discuss the power of focussing on 1 action to achieve goals. We also dwelve into the world of health care in Australia, and the world of private health insurance.
In this episode I discuss my personal story of converting to an EV from a previous ICE car.
In this episode we discuss in depth about credit reports and credit scores.
It's my first episode back from holidays and I am refreshed. Let's talk financial derivatives, pros and cons and risks. There are 4 main types of financial derivatives we discuss in this episode.
In this episode we discuss lessons from the past gfc1.0. We discuss strategies to prevent your personal finances to take a hit from the next recessions. recessions are inevitable but you can take steps to minimise risks.
in this episode we discuss the concept of planning for your holidays and how its important to correlate this with retirement - the biggest holiday of your life. The main topic is gold, how it's related to market volatility, currency, and it's pros and cons as an investment.
In this episode we discuss about bonds, it's components and how the interest rate situation changes a bond price. Meanwhile I briefly discuss how to handle gross income for sole traders.
In this episode we will revisit some basic budgeting strategies. The main topic is cash flow followed by profit and line of credit.
In this episode we discuss about SMSFs and see the pros and cons. We also revisit debt repayment strategies.
In this episode we discuss asset allocation, diversification and rebalancing. all of these are vital concepts to master.
Comments (66)

Mark Ballamos

Any tip when to buy stocks?

Mar 25th


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

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 (25)

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)

Abed Azizi

Would you not have to pay tax on your dividends which is gonna half them if your on the highest tax bracket?

May 5th
Reply (1)

Abed Azizi

I have a question about debt recycle

May 5th
Reply (1)

Daniel Luu

Hi Raga, really enjoying your podcast! Just had a quick question, in this episode at 9.40 you talked about if for e.g. you had non-deductible loan at 5-6% it would equate to about 7-8% after tax return? Could you explain to me how you calculated this? Do you mean before tax return? Thanks!

Sep 5th
Reply (1)

Dev Raga

thanks raghu. much appreciated. planning more episodes.

Jul 27th


Good job Dev. very informative indeed. keep up the good work. Regards, Raghu

Jul 27th
Reply (1)
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