Australian Finance Podcast

Is Super a good investment? Should I buy a house with family? Do I save for property or for shares?On this Australian Finance Podcast, your hosts, money coach and financial adviser Gemma Mitchell and Owen Rask, Chief Investment Officer at Rask, answer your questions and dive into what's making news this week.Topics covered today: When buying a house with family... goes wrong Gemma is famous (again) Review my budget! Binding financial agreements Owen is reading This Is Strategy by Seth Godin Managing money in a couple Does it make sense to put money in Super? Is starting an SMSF to invest in residential property a good idea? Private school: how to save for it as a single parent Resources for this episode Book a call with Gemma: https://calendly.com/gemma-rask/quick-chat-rask Book a call with Mitchell for investing: https://calendly.com/mitchell-wswf/investing-the-rask-way-sn Join the free community (e.g. to get event updates): https://community.rask.com.au (psst, you need a free Rask account to access it - for safety) Ask a question (select the Finance podcast): https://bit.ly/R-quest  ~~ Show partner resources ~~View Betashares range of funds: https://bit.ly/beta-25Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/PearlerGet 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith~~ Rask resources ~~All services: https://bit.ly/R-servicesFinancial 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

Hugh Lam, an investment strategist at BetaShares who specializes in ETFs and technology, shares insightful perspectives on the future of investing. He discusses the potential performance of US stocks in 2025 and the role of AI in reshaping investment strategies. Hugh highlights key themes for 2025, including defense, cyber security, and AI innovations. He also emphasizes the importance of managing risks in ETF portfolios, pointing out specific ETFs worth considering, and provides advice for navigating market volatility.

Navigating budgeting can be tricky for freelancers with irregular incomes. Discover personalized approaches to financial management tailored for variable earnings. Learn how Owen saved thousands on an engagement ring through smart shopping and ethical choices. Explore the complexities of budgeting as a couple, focusing on transparent communication and adapting strategies to fit unique situations. Plus, insights into the pros and cons of car leasing will help you make informed financial decisions.

Discover the critical importance of insurance and emergency funds in protecting your family's financial future. Explore how superannuation can serve as a budget-friendly insurance option, especially for single parents. Unravel the complexities of Total Permanent Disability insurance and differentiate it from life insurance. Get insights into the essential steps for effective estate planning, including the significance of wills and managing assets. Plus, learn the vital role of executors and trustees to ensure your legacy is handled smoothly.

Dive into the intricacies of the Australian tax system, where common misconceptions around progressive taxation and deductions are revealed. Learn how marginal tax rates and tax brackets influence your financial strategy. Discover the ins and outs of capital gains tax, including the 50% discount for investment properties. Plus, get tips on tracking expenses for multiple jobs and the importance of consulting with tax professionals. Lastly, understand the difference between gross and net pay to better manage your earnings!

Discover the ins and outs of investing in shares and ETFs, tailored for beginners looking to dive into the market in 2025. Learn how shares represent ownership while ETFs offer diversification. Uncover strategies for mindful investing and managing market volatility. Gain insights into long-term market trends and the essential benefits of compound interest. Find out how to make share investments as easy as online shopping, and explore the BetaShares A200 ETF as a top investment strategy. Get ready to unlock your investment potential!

Dive into the ins and outs of superannuation, transforming your salary contributions into long-term investments. Discover the critical advantages, from tax benefits to home buying opportunities. Learn how to take control of your super by actively engaging in your personal investment strategy. The episode demystifies complex insurance options and emphasizes the importance of informed decision-making. Plus, get insights on an international growth-focused ETF for savvy investing. Your financial future starts with understanding super!

Discover how to set property goals that align with your financial plans, whether you're a first-time buyer or seasoned investor. Explore common myths surrounding property ownership, including the concept of rent vesting. The discussion highlights the emotional factors in home buying and the importance of assessing property values strategically. Learn why early communication with mortgage brokers is essential, and uncover the significance of home equity in your investment strategy. Plus, get insights into the BetaShares Equal Weight ETF for balanced growth.

Dive into the multifaceted world of debt in Australia, exploring everything from mortgages to credit cards. Discover the emotional journey of overcoming debt and how it can transform relationships. Learn effective repayment strategies, like the snowball and avalanche methods, and the importance of personalized financial coaching. Gain insights into Exchange-Traded Funds (ETFs) and the need for structured financial planning. This episode equips you with essential tools and resources to tackle debt and build a healthier financial future.

Discover strategies to boost your income and optimize salary negotiations. Explore the correlation between effective income management and wealth accumulation. Dive into the pitfalls of lifestyle inflation and the importance of intentional spending. Gain insights on mastering financial intentions through budgeting and overcoming limiting beliefs. Learn why seeking expert advice is crucial for financial optimization, along with the benefits of investing in Australian shares ETFs for diversification and potential tax advantages.