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Dev Raga Personal Finance

Latest episodes

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Dec 10, 2024 โ€ข 20min

448 how arbitrage works?

In todayโ€™s episode Dev explains arbitrage, touching on:๐Ÿ‘‰๐Ÿพ what is arbitrage?๐Ÿ‘‰๐Ÿฟ what is an efficient market hypothesis?๐Ÿ‘‰๐Ÿป what is arbitrage pricing theory?๐Ÿ‘‰ the various types of arbitrage?๐Ÿ‘‰๐Ÿผ some specifics of arbitrage?Related episodes ๐ŸŽง๐Ÿ‘‡026 what is arbitrage?We hate email spam so we donโ€™t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289. Hosted on Acast. See acast.com/privacy for more information.
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Dec 3, 2024 โ€ข 45min

447 understanding SMSFs: how they work, the costs, risks, challenges + more

In todayโ€™s episode Dev interviews Alex Luck of Everest Wealth, touching on:๐Ÿ‘‰๐Ÿพ what is an SMSF?๐Ÿ‘‰๐Ÿฟ what can I do with SMSF that I can't do with normal industry super/retail funds๐Ÿ‘‰๐Ÿป fees associated๐Ÿ‘‰ at what value is an SMSF cost effective?๐Ÿ‘‰๐Ÿผ what about rules and taxes?๐Ÿ‘‰๐Ÿฝ what happens if some people in accumulation phase, and others in retirement phase?๐Ÿ‘‰๐Ÿพ do all members have to be invested in same asset class?๐Ÿ‘‰๐Ÿฟ what about insurance?๐Ÿ‘‰๐Ÿป who is responsible for investment decisions?๐Ÿ‘‰ what happens in marriage breakdown or death of a member?๐Ÿ‘‰๐Ÿผ how do you wind it down?๐Ÿ‘‰๐Ÿฝ what happens if you breach the strict super laws since you are on your own?Alex LuckEverest Wealth (everestwealthgroup.com.au)Instagram (@everestwealth)We hate email spam so we donโ€™t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289. Hosted on Acast. See acast.com/privacy for more information.
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Nov 26, 2024 โ€ข 14min

446 what is Benner's cycle?

In todayโ€™s episode Dev explains Benner's Cycle touching on:๐Ÿ‘‰๐Ÿพ what is Benner's cycle?๐Ÿ‘‰๐Ÿฟ what is a market cycle?๐Ÿ‘‰๐Ÿป stages of a market cycle?๐Ÿ‘‰ examples of a Benner's cycle predictionsWe hate email spam so we donโ€™t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289. Hosted on Acast. See acast.com/privacy for more information.
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Nov 19, 2024 โ€ข 48min

445 invest smarter with automation, low fees, and the power of a financial community

Nick Nicolaides, co-founder of Pearler, shares insights on simplifying investing through automation and community-driven features for financial independence. He discusses the platform's transparent fee structure and the significance of HINs for user security. The conversation dives into the role of automation in reducing investment stress and emphasizes the value of consistent, small investments for long-term growth. Nick also shares personal lessons from his own investment journey, advocating for a buy-and-hold strategy over impulsive trades.
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Nov 12, 2024 โ€ข 1h 8min

444 money, leadership + medical exam tips with a hospital executive director

In todayโ€™s episode Dev interviews Dr. George Eskander, touching on:๐Ÿ‘‰๐Ÿพ what does an executive do?๐Ÿ‘‰๐Ÿฟ his journey and training into his role?๐Ÿ‘‰๐Ÿป what other career options do executives have?๐Ÿ‘‰ how does your day look like?๐Ÿ‘‰๐Ÿผ junior doctors, pay and culture๐Ÿ‘‰๐Ÿฝ his side hustle - PassGP๐Ÿ‘‰๐Ÿพ investing philosophy๐Ÿ‘‰๐Ÿฟ money winsDr. George Eskandergeorge.eskander@doctors.org.ukPassGP.au https://www.passgp.au/dev-raga-personal-financeWe hate email spam so we donโ€™t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289. Hosted on Acast. See acast.com/privacy for more information.
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Nov 5, 2024 โ€ข 55min

443 the quick start guide to investing with Glen James!

In todayโ€™s episode Dev interviews Glen James, touching on:๐Ÿ‘‰๐Ÿพ why write a book?๐Ÿ‘‰๐Ÿฟ how does your book differ from other investing books? ๐Ÿ‘‰๐Ÿป who is Nick Bradley?๐Ÿ‘‰ why are behaviours important?๐Ÿ‘‰๐Ÿผ tell us about your 40% loss of investments as an 18-year-old ๐Ÿ‘‰๐Ÿฝ contrarian views - go through each oneWe hate email spam so we donโ€™t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289. Hosted on Acast. See acast.com/privacy for more information.
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Oct 29, 2024 โ€ข 45min

442 superannuation part 2 - retirement phase

Scott Taylor, Director of Everest Wealth, shares his expertise on superannuation and retirement planning. He discusses preservation age and the flexibility of changing phases upon retirement. Learn about Transition to Retire (TTR) strategies, tax implications in retirement, and how the aged pension can be affected by superannuation withdrawals. Scott provides insight on downsizer contributions, binding death nominations, and the importance of early planning to optimize retirement savings.
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Oct 22, 2024 โ€ข 54min

441 superannuation part 1: accumulation phase

Scott Taylor, Director of Everest Wealth, shares insightful strategies for building wealth through superannuation. He explains the purpose of super and dives into various types of contributions, including limits and tax implications. Listeners learn about the First Home Super Saver scheme and how to navigate retail versus industry funds. Scott addresses crucial topics like conditions for early release, excess contributions tax, and the benefits of planning for retirement as a young professional. It's a treasure trove of financial wisdom!
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Oct 15, 2024 โ€ข 23min

440 sequence of returns risk & how it affects your retirement

In todayโ€™s episode Dev explains sequence of returns risk, touching on:๐Ÿ‘‰๐Ÿพ what is sequence of returns risk?๐Ÿ‘‰๐Ÿฟ wealth accumulation vs retirement phase๐Ÿ‘‰๐Ÿป does sequence of returns risk affect everyone?๐Ÿ‘‰ what asset classes are effected?๐Ÿ‘‰๐Ÿผ an example to highlight the principle - rising market vs falling marketWe hate email spam so we donโ€™t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs.SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289. Hosted on Acast. See acast.com/privacy for more information.
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Oct 8, 2024 โ€ข 1h 10min

439 retirement living options, preparing for aged care + preparing financially

Louise Biti, a Partner at Aged Care Steps, shares insights on retirement living and aged care navigation. She discusses various living options, weighing their pros and cons, and explores the financial implications of each choice. Louise emphasizes the importance of involving family doctors and highlights the role of government support. The conversation touches on emotional challenges families face, the significance of effective communication, and the need for proper planning to avoid pitfalls in aged care, making it essential listening for anyone preparing for later life.

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