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: https://open.spotify.com/show/4i7qGU4QdWzUAW7r1eikTr
55 Episodes
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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.
In this episode we discuss the financial concepts of leverage and margin and how they differ. we also discuss why it's not a good idea to just have large amounts of cash in the bank.
In this episode we discuss the main differences between risk and volatility. We also discuss why volatility can be your friend and how best to take advantage of it in the long-term
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.
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Comments (47)

Shivanand Sheth

Fantastic Podcast. Learnt and understood a lot!

Sep 15th
Reply

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

LudmilaFreitas LeandroPadua

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

Aug 20th
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Dev Raga

LudmilaFreitas LeandroPadua I am with industry super hesta.

Aug 21st
Reply

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

Dev Raga

K Chan as a general rule, consumer debt is bad. credit cards can earn points etc. but Evidenxe is, if u have a Cc u r likely to spend more. but technically if u r disciplined and pay it off monthly, then it can be useful tool to use. having said that, points on credit cards is not going to make u a millionaire.

Aug 8th
Reply

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
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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
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Dev Raga

Narendra Manaktala based in the great city of Melbourne. Australia.

Aug 8th
Reply

priyankasj28

Ronald Michael I'm really enjoying this podcast as well! Thanks for mentioning it and bringing it to our attention

Jul 23rd
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Nadun Rubasinghe

👌

Jun 29th
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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
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Dev Raga

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

Jun 29th
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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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