Dev Raga Personal Finance
Episodes
054 is gold a good investment?
02 Sep 2019
Contributed by Lukas
In this episode we discuss the concept of planning for your holidays and how it's important to correlate this with retirement - the biggest holiday of...
053 what are bonds? Are they good?
29 Aug 2019
Contributed by Lukas
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 h...
052 cash flow, profit, line of credit!
22 Aug 2019
Contributed by Lukas
In this episode we will revisit some basic budgeting strategies. The main topic is cash flow followed by profit and line of credit.Any advice is gener...
051 what is an SMSF? Worth it?
16 Aug 2019
Contributed by Lukas
In this episode we discuss about SMSFs and see the pros and cons. We also revisit debt repayment strategies.Any advice is general financial advice onl...
050 the importance of asset allocation
08 Aug 2019
Contributed by Lukas
In this episode we discuss asset allocation, diversification and rebalancing. All of these are vital concepts to master.Any advice is general financia...
049 leverage vs margin!
01 Aug 2019
Contributed by Lukas
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 la...
048 risk vs volatility!
25 Jul 2019
Contributed by Lukas
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 ad...
047 it's been 1 year already!!!
18 Jul 2019
Contributed by Lukas
It's been a year since I started podcasting about personal finance principles and concepts. Thanks for the support. Let's summarise what we have learn...
046 what is a financial alpha? Are financial advisers worth it?
08 Jul 2019
Contributed by Lukas
In this episode we discuss the concept of financial alpha. we also deep dive into the financial advisory service.Any advice is general financial advic...
045 what are REITs?
04 Jul 2019
Contributed by Lukas
In this episode we discuss REITs, how they are advantageous and what are some of the factors that impact a good REIT.Any advice is general financial a...
044 happy new financial year!
30 Jun 2019
Contributed by Lukas
In this episode, we discuss some of the new changes for the 2020 financial year.Any advice is general financial advice only which does not take into a...
043 40 year mortgages!! What is loss aversion?
28 Jun 2019
Contributed by Lukas
In this episode we discuss if a 40 year mortgage is a good thing or too risky. We also delve deep into financial theories such as loss aversion, prosp...
042 what is land to asset ratio? Is it important?
24 Jun 2019
Contributed by Lukas
In this episode we discuss investment properties and the concept of land to asset ratio. Is it important and if so what is the optimal ratio?Any advic...
041 factor investing, it's all the rage!
16 Jun 2019
Contributed by Lukas
In this episode we discuss the concept of factor investing. Is it a free lunch in investing?Any advice is general financial advice only which does not...
040 what is the 28/36 rule?
10 Jun 2019
Contributed by Lukas
In this episode we discuss some basic rules about how to calculate house affordability and borrowing capacity. We also discuss my personal budgeting r...
039 what is a robo-advisory service?
06 Jun 2019
Contributed by Lukas
In this episode we discuss aggressive savings rules. We also delve into robo-advisory services.Any advice is general financial advice only which does ...
038 what is an economic moat?
27 May 2019
Contributed by Lukas
In this episode we discuss the shocking statistic that most Australians don't invest their money in shares. We also find out what an economic moat is ...
037 what is the 4% withdrawal rule?
24 May 2019
Contributed by Lukas
In this episode we discuss the 4% withdrawal rate rule, and the multiply by 25 rule.Any advice is general financial advice only which does not take in...
036 listed investment companies (LICS)
13 May 2019
Contributed by Lukas
In this episode we discuss David Bach's new book, the pay yourself mantra, discuss the pay activ app and have a detailed look at listed investment com...
035 travel and finance
07 May 2019
Contributed by Lukas
In this episode I discuss some basic financial principles of travelling. Travelling is fun and should never affect your personal financial situation b...
034 revisit wills, investment properties
26 Apr 2019
Contributed by Lukas
In this episode, I discuss the importance of wills: revisiting this topic and some of the key things to consider before setting one up. Part 2 of the ...
033 index funds vs ETFs: which is better?
06 Apr 2019
Contributed by Lukas
In this episode I discuss the similarities and differences between index funds and ETFs and how you need to do your sums to work out what's best for y...
032 what is lifestyle creep?
04 Apr 2019
Contributed by Lukas
In this episode I discuss the concept of lifestyle creep and how it can seriously derail your retirement plans. There are things you can do to minimis...
031 what is dividend investing?
02 Apr 2019
Contributed by Lukas
In this episode I tackle income investing with a particular focus on dividends. Dividends are a powerful way to create wealth. In Australia we are for...
030 what is debt consolidation? Is it dangerous?
28 Mar 2019
Contributed by Lukas
In this episode I discuss the concept of debt consolidation and differentiate it to debt agreements/settlements. I also discuss credit counseling.Any ...
029 buying a car? Some basic things to consider!
21 Mar 2019
Contributed by Lukas
Buying a car is often the second biggest purchase you will make in your life so it makes sense to have a financial strategy for doing so. In this epis...
028 what is sequence of returns risk?
10 Mar 2019
Contributed by Lukas
In this episode, I discuss the all important financial concept called sequence of returns risk and why it can make or break your retirement nest egg. ...
027 what is inflation and why is it important?
05 Mar 2019
Contributed by Lukas
In this episode we discuss the all important concept of inflation. you need to understand inflation otherwise your retirement nest egg may be worthles...
026 what is arbitrage?
26 Feb 2019
Contributed by Lukas
In this episode I discuss the concept of arbitrage and various types. I also discuss a recent financial article I read about personal finance anxiety....
025 behavioural finance, buy v rent, Royal Commission findings
18 Feb 2019
Contributed by Lukas
In this episode I discuss some of the pitfalls of behavioural finance, summarise the findings of the Royal Commission into the banking sector, and go ...
024 emergency funds, good debt v bad debt
11 Feb 2019
Contributed by Lukas
In this episode we discuss about the types of emergency funds, how to save for it, where to keep the money. we also discuss debt as a whole, and why i...
023 kids and money!
04 Feb 2019
Contributed by Lukas
In this episode I discuss a simple shopping strategy which has saved us on average 80-100 dollars per fortnight for the last 12 months. I also discuss...
022 successful habits and no spend challenges
29 Jan 2019
Contributed by Lukas
In this episode I discuss two articles about the habits of successful people financially, and a financial roadmap for your life. I also discuss the co...
021 what is FIRE? What is debt recycling?
21 Jan 2019
Contributed by Lukas
In this episode we discuss the financial movement called FIRE. we also go in depth into the debt recycling strategy which may help you pay off your mo...
020 what are franked dividends?
01 Jan 2019
Contributed by Lukas
Happy new year!! In this episode we discuss what are franked dividends and how any Federal Government policy change may affect you.Any advice is gener...
019 how to invest during volatile times
11 Dec 2018
Contributed by Lukas
We have seen significant market volatility in recent times. use it to your advantage. in this episode we talk about how to invest during uncertain tim...
018 what is opportunity cost?
29 Nov 2018
Contributed by Lukas
In this episode we discuss the macroeconomic concept of opportunity cost, sunk cost and risk.Any advice is general financial advice only which does no...
017 property market doom and gloom!
16 Nov 2018
Contributed by Lukas
In this episode I discuss some of the factors to consider with respect to the current property market in Australia focusing mainly on Melbourne and Sy...
016 dollar cost what?
03 Nov 2018
Contributed by Lukas
Dollar Cost Averaging is an investment technique which can help you mitigate the risks of investing in the long term. in this episode we discuss the p...
015 common investing mistakes
03 Nov 2018
Contributed by Lukas
In this episode I discuss the common investing mistakes.Any advice is general financial advice only which does not take into account your objectives, ...
014 do you have a will?
06 Sep 2018
Contributed by Lukas
In this episode we discuss wills, powers of attorneys and testamentary trusts.Any advice is general financial advice only which does not take into acc...
013 superannuation tips and tricks!!
23 Aug 2018
Contributed by Lukas
In this episode, I discuss the tips and tricks with your superannuation and along with that discuss the tax efficiencies which are built in.Any advice...
012 invest or pay off debt?
15 Aug 2018
Contributed by Lukas
In this episode, we dwell into the question of whether it's important to pay off debt or invest while you have debt. We discuss the many possibilities...
011 buy a home with your head, not your heart!
11 Aug 2018
Contributed by Lukas
In this episode we dwell into the depths of buying a property in Australia. We discuss some of the pitfalls and major aspects you need to look at. buy...
010 retiring wealthy? But how?
07 Aug 2018
Contributed by Lukas
In this episode, I discuss the number one indicator of retiring wealthy, some geeky economic concepts (modern portfolio theory and efficient frontier)...
009 active vs passive investing
31 Jul 2018
Contributed by Lukas
In this episode, we discuss the two main ways of investing. active versus passive investing. I discuss the pros and cons of each type. Choose the best...
008 budgeting strategies explained
29 Jul 2018
Contributed by Lukas
In this episode I discuss the various budgeting strategies you can employ. Perhaps a hybrid budgeting system is useful for u. I also talk about the co...
007 debt paying strategies
27 Jul 2018
Contributed by Lukas
In this episode I discuss the basic strategies which you can use to pay off debts. I also discuss the way you should think about money as a whole.Any ...
006 fees, fees, fees!!
26 Jul 2018
Contributed by Lukas
In this episode, I talk about how fees can literally make or break your retirement nest egg. Do you know all the fees associated with your investments...
005 protect yourself: let's talk personal insurance
24 Jul 2018
Contributed by Lukas
In this episode, I summarise the concepts discussed in previous podcasts. I also go into detail the main types of personal insurance and some of the k...
004 I've paid myself 20%, then what?
21 Jul 2018
Contributed by Lukas
In this podcast, I discuss what are some of the options when it comes to paying yourself first, and where you can put that money. I discuss various as...
003 who I listen to
21 Jul 2018
Contributed by Lukas
This is my 3rd podcast on personal finance topics. In this episode, I talk about some of the people who I regularly listen to, read about, or take adv...
002 mortgage tips and tricks
21 Jul 2018
Contributed by Lukas
This is my 2nd podcast on personal finance topics. The aim is to be financially independent as quickly as possible. In this podcast I talk about some ...
001 power of automatic savings and compounding
21 Jul 2018
Contributed by Lukas
This is my very first podcast about personal finance. I discuss some key concepts such as: Automatic savings, Automatic investing, Harnessing the powe...