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 also on:
1. DevRaga.com
2. Spotify
3. Breaker Audio
4. Castro
5. RadioPublic
6. Player.fm
7. Podcast Addict
8. MixCloud
79 Episodes
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In this episode we discuss the major pitfalls of passive investing, is there an index investing bubble, and what is over diversification?
In this second part we continue to discuss fundamental stock analysis for active investors. we look at price to book ratio and what it means, along with other subtopics.
In this episode, we discuss about the power of time in the market and discuss price to earnings ratio. We use examples to highlight the merits and potential pitfalls.
In this episode, we discuss a listener question about the asx 200 index. we also focus on corporate action and the various subtyoes including mandatory and voluntary actions.
In this episode we discuss the concept of financial risk and use examples to relate it to personal finance.
In this episode we discuss the core concept of socially responsible investing (SRI) ethical investing. We also discuss the plans for retirement from a personal point of view.
In this episode we answer anonymous question about superannuation. I also discuss the main ways you can measure your financial security.
In this episode we discuss the concept of hedging, speculation and short selling. I use examples to discuss each concept.
In this episode i provide a 6 month update on my tesla model 3. I also discuss where the goverbment stimulus package is going to come from.
In this episode we discuss recessions, is Australia at risk. we also discuss the theories behind why they happen. We also discuss briefly about a depression.
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?

2019-12-0532:341

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!
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Comments (72)

ID18820723

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

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

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

Mark Ballamos

Any tip when to buy stocks?

Mar 25th
Reply (2)

Paracelsius

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)

Anj

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)

Anj

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
Reply

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 (25)

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 (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)
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