From whether you really need to own a home in Australia to unpacking what a re-contribution strategy is, we’re diving into your biggest money questions. In this week’s Australian Finance Podcast Q&A, Owen and Gemma cover everything from offset accounts and investment choices to buying property for family and understanding how ETF holdings work. Plus, it’s Gemma’s birthday episode – she reflects on her biggest money lessons from four decades of life and finance. Questions answered in today’s Q&A: - Do you need to own a home in Australia? - I bought my first home last year using an inheritance for the deposit. Now more than half of my loan is offset with cash, and my rate is 5.53%. With interest rates dropping, should I leave it in offset or look at investing in shares, property, or something else?- What is a re-contribution strategy and why would you use it?- I’m more of a share investor, but I’d like to help family by buying an investment property. Where’s the best place to go for help?- What’s the difference between holding my ETFs directly with BetaShares or Vanguard versus through a share registry like Computershare? And why is BetaShares prompting me to move my ETFs across? Don’t forget to subscribe on Apple, Spotify, YouTube or wherever you get your podcasts. And send in your questions via the link below. Resources for this episode - Owens webinar on 10% returns https://www.youtube.com/watch?v=XldMhJBY09Q - Mortgage broking- https://www.raskmedia.com.au/services/mortgage-broking/ - Buy Gemma’s book The Money Reset- https://amzn.to/42Uz0aKAsk a question (select the Finance podcast): https://bit.ly/R-quest ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds: https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan Invest with us: https://bit.ly/R-invest Access Show Notes: https://bit.ly/R-notes Ask a question: https://bit.ly/R-quest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

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