Owen Rask

speaker

43,804 appearances 137 recordings 3 series first heard Jun 2020 last heard 2d ago

Owen Rask’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 48 in all, peaking in Jun 2026 with 13.

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Australian Finance Podcast · Young people and property - is it possible? · 24 Sep 2026 podcast

And there's always a case that someone will have like, Oh, well, interest rates too high, therefore not good. voice-verified

Interest rate's low, therefore it's not worth it. voice-verified

It's like, well, which one is it? voice-verified

Right. voice-verified

And so the basic arithmetic is none of these strategies should ever be con th considered or thought of as something that you do for like a year, six months, two years, three years. voice-verified

If you think about it, if you get a loan on a property voice-verified

Well, you've got to be sure that you've still got that property in five to ten years because debt recycling, the premise of it, is that you don't go overboard with the amount of debt. voice-verified

And that it's still there in the future 'cause a loan term is typically twenty, thirty years, right? voice-verified

So voice-verified

It does have some pretty serious drawbacks, but um it's a long term strategy and what I tend to see voice-verified

Is that the the marginal difference is is worth noting. voice-verified

It's probably only a two or three percent difference in overall return terms over a full market cycle. voice-verified

So what I mean is like voice-verified

If you measured it from like day dot to year ten. voice-verified

There'll be some years where it doesn't make sense, some years where it does make sense, because of the returns varying each year and so on and so forth, the interest rates varying each year and so on and so forth, your taxable income and tax rate varying. voice-verified

So there's numerous reasons why it wouldn't be appropriate in some years, but over the full market cycle, what I see is typically voice-verified

It's you know, two or three percent per annum potentially. voice-verified

It's not always the case, it's just a rule of thumb. voice-verified

Um and sec and the third thing I'll add on here is that voice-verified

In theory it's not how it's gone last year, but in theory when interest rates are high, valuations of shares and property should be low. voice-verified

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