Australian Finance Podcast

In this bonus episode of the Australian Finance Podcast, host Gemma Mitchell is joined by financial adviser Tahli Cavagnino to unpack the key money moves you should be focusing on in your 30s – from building wealth and growing investments to protecting what you’ve already achieved. They also dive into the common traps that can trip you up in this decade, and how to avoid them so you can set yourself up for the future with confidence. Chapters (approximate) (00:00) Introduction (01:51) Portfolio Performance Overview (06:53) What's going on with NVIDIA? (10:39) Merger Insights: Solpatz and Brickworks (19:39) The Allure of Stock Picking (29:12) AI's Impact on Investing (30:38) Owen's Crazy Idea (32:17) Public vs Private Markets (38:45) The Future of Active Management (40:48) Drew's Two Asset Class Picks (42:28) Be More Like Warren Buffet or Charlie Munger? (44:41) Bridging the Gender Gap in Investing Resources for this episode PreSales for Gemma’s book “The Money Reset”- https://amzn.to/42Uz0aK Ask 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

In this episode of the Australian Finance Podcast, your host Gemma Mitchell is joined by financial wellness coach Betsy Westcott to unpack the complexities of inheritance. With an estimated $3.5 trillion expected to change hands in Australia over the coming decades, more people will be navigating the financial and emotional realities of receiving an inheritance. Together, Betsy and Gemma explore: – The emotional weight of receiving a financial legacy – How to manage family dynamics and partner expectations – What to do first (hint: it’s not investing!) – How to seek the right advice and build a trusted team – What happens if you're not expecting an inheritance This conversation is packed with practical tips and deep emotional insights. Subscribe to the Australian Finance Podcast on Apple, Spotify, or YouTube to stay up to date. Topics Covered – What is the $3.5 trillion intergenerational wealth transfer? – Giving with warm hands vs inheritance after death – Emotional responses: grief, guilt, identity shifts – The pressure to “do the right thing” with inherited money – Managing inheritances in a couple or family context – Time-sensitive tax implications for inherited property – Who to include in your financial "village" – Roles of a financial adviser, accountant, lawyer & money coach – Why flexibility and patience are key in early decisions – Teaching kids about money and building your own legacy – What to do if you’re not receiving an inheritance – Why open conversations about money are critical Resources for this episode – Betsy Westcott’s Inner Money Journey ~~ 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 full range of funds – https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services – https://bit.ly/R-services 📋 Learn about Rask Financial Planning – https://bit.ly/R-plan 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access Show Notes – https://bit.ly/R-notes ❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest – https://www.instagram.com/rask.invest/ TikTok: @rask.invest – https://www.tiktok.com/@rask.invest 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 unsure, 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

From Elon-level ETF worries to whether you should stick with one provider, we tackle the big investor ‘what ifs’. Plus: should high schools be teaching investing, how to prepare financially for separation, and what really happens to your FHSSS if you change super funds. We cover it all this week! In this episode of the Australian Finance Podcast, Owen and Gemma are back for your weekly Q&A, diving into: - Could you really get stuck in an ETF if you end up with Elon Musk–levels of money?- Is it better to stick with one ETF provider or spread across a few? - Should high schools be teaching saving and investing to Year 11 & 12 students?- How to financially prepare for separation after a long marriage.- What happens to your FHSSS if you change super funds? - Plus things to watch out for when changing super funds.  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 - Buy Gemma’s book The Money Reset - First Home Super Saver Episode - Ask a question (select the Finance podcast) ~~ 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

Tahli Cavagnino, a savvy financial advisor from the RASC advice team, shares invaluable insights for those in their 20s. She emphasizes the importance of budgeting, establishing an emergency fund, and avoiding debt for long-term financial health. Listeners also learn about exploring career options, accounting for salary discussions, and the significance of understanding superannuation. Finally, Tahli highlights creating a 'nest egg of optionality' to enhance flexibility in life choices. Get ready to take charge of your finances!

Andrew, a finance systems expert and enthusiastic Pocketsmith user, shares insights on how this tool goes beyond simple budgeting. He discusses modern money management and how transparent financial practices benefit couples. The conversation touches on tailoring budgeting strategies to personal needs, emphasizing that financial health requires regular reviews and open communication. Andrew also highlights the importance of financial education for younger generations, empowering them in today's economy.

This week, the hosts discuss the age-old debate of travel versus property investment. They dive into debt recycling strategies for business growth and share insights on when to sell shares. The conversation also simplifies the process of making wills, highlighting its importance in asset management. With a light-hearted yet informative tone, they emphasize balancing financial goals with life experiences. Plus, they explore tips for first-time property buyers to navigate the market without stress.

Discover the essential questions to ask a mortgage broker before buying a property. Learn what mortgage brokers do, how they get paid, and the benefits of their services versus going to banks directly. Uncover the true requirements for deposits and Lenders Mortgage Insurance. Explore ways to enhance your borrowing power, government grants you might qualify for, and the implications of choosing between fixed and variable rates. Get insights into the loan approval process and the ongoing support you can expect from your broker.

Cameron Gleeson from BetaShares dives into the world of their newly launched HYLD ETF, designed to deliver high-yield investments. He explains how HYLD stands out by avoiding 'dividend traps' and uses momentum and volatility filters to enhance income stability. The discussion covers the ETF ecosystem, revealing its tax advantages and strategies for building a robust portfolio. Gleeson also shares insights on why HYLD pays monthly distributions and its comparison to both bonds and traditional dividend ETFs.

Discover the latest on A300 and HYLD ETFs, perfect for savvy investors seeking dividends and sustainable strategies. Learn how recent interest rate cuts may affect your finances and explore smart investing techniques for couples versus individuals. The hosts share insights on navigating IPOs and offer tips on furniture flipping—transforming hobbies into potential income. Plus, get advice on boosting superannuation for newcomers in their 40s. Tune in for practical financial strategies and engaging discussions!

Discover free resources that can elevate your financial game without costing a dime. From engaging podcasts to insightful online courses, there’s something for everyone. Learn the importance of community engagement in boosting financial literacy and confidence. Dive into personalized financial planning concepts like the 'nest egg of optionality' that offers flexibility in lifestyle choices. This talk is all about building a brighter financial future with practical tools and support.