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
47 Episodes
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Let'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!
In this episode we discuss the concept of financial alpha. we also deep dive into the financial advisory service.
Episode 45: What are Reits?

Episode 45: What are Reits?

2019-07-0400:25:33

In this episode we discuss Reits, how they are advantageous and what are some of the factors that impact a good REIT.
In this episode, we discuss some of the new changes for the 2020 financial year.
In this episode we discuss if a 40 year mortgage is a good thing or too risky? We also dwelve deep into financial theories such as loss aversion, prospect theory and status quo basis.
In this episode we discuss investment properties and the concept of land do asset ratio. Is it important and if so what is the optimal ratio?
in this episode we discuss the concept of factor investing. Is it a free lunch in investing?
In this episode we discuss some basic rules about how to calculate house affordibability and borrowing capacity. We also discuss my personal budgeting rule of thumb.
In this episode we discuss aggressive savings rules. We also dwelve into Robo advisory services.
In this episode we discuss the shocking statistic ghat most Australians dont invest their money in shares. we also find out what an economic moat is and why it's important to identify.
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Comments (37)

Nadun Rubasinghe

👍

Jul 18th
Reply

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

durva shukla

Ronald Michael hh

Jul 21st
Reply

Viral Patel

Ronald Michael Ok

Jul 20th
Reply

Nadun Rubasinghe

👌

Jun 29th
Reply

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

Dev Raga

AzA Jay I am working on a REIT episode. I will give a shout out to you. stay tuned.

Jun 29th
Reply

Dev Raga

AzA Jay thanks for the heads up. yes good topic. you can get reits in Australia too. basically it's a real estate invest trust which is listed in the stock exchange and can be bought and sold just like other stocks. except the reits contain multiple properties as assets and can combine resident, and commercial or even industrial properties. this means the avg Joe can access properties which they may not have access to in the private market. definitely will keep in mind for topics in future. given the downturn of the Properrt market in Australia, not sure how good reits have been to invest in. I certainly don't invest in them

Jun 21st
Reply

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

Dev Raga

Abed Azizi In Australia, dividends which are franked are treated preferentially when it comes to taxation. You are awarded franking credits which is used to offset your tax liability. So if you have a tax liability of $10K , and have accumulated $10K in tax credits, then your tax liability becomes zero despite having earned dividends (franked) through the year. Hope this helps.

May 13th
Reply

Abed Azizi

I have a question about debt recycle

May 5th
Reply

Dev Raga

Abed Azizi Yes. What is your question?

May 13th
Reply

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

Dev Raga

Daniel Luu Yes. This is a rough calculation. This is because for a non deductible loan, you can't tax deduct the interest on the loan.

Nov 1st
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Dev Raga

thanks raghu. much appreciated. planning more episodes.

Jul 27th
Reply

Raj

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

Jul 27th
Reply

Dev Raga

Raj Thanks. feedback welcome.

Dec 2nd
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