Rask

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Channel • 6 Shows

Investing

Investing

Updated Weekly
Business

Business

Updated Weekly
Business

Business

Updated Weekly
Business

Business

Updated Weekly
Business

Business

Updated Weekly
Investing

Investing

Updated Weekly

5 DAYS AGO

The four stages of wealth: What to focus on at each stage

In this Australian Finance Podcast episode, Gemma Mitchell sits down with financial adviser, author and host of the Financially Fierce Podcast, Jess Brady. Jess is the author of Get Growing and founder of The Greenhouse education program. Together, they unpack Jess’s powerful framework: the four stages of wealth — and what you should actually focus on at each stage. They cover: – Why money feels overwhelming (and why you’re probably not the problem) – The four stages of wealth: Sprouted, Grounded, Thriving and Abundant– Why trying to “skip stages” slows your progress – The biggest mistakes people make at each stage – How to identify where you are right now – The number one “weed” sabotaging most people’s progress If you like this Australian Finance Podcast episode on building wealth in stages, you'll love our series. Don't forget to subscribe for weekly shows on Apple (hyperlinked with this https://podcasts.apple.com/au/podcast/australian-finance-podcast/id1454193127), Spotify (hyperlinked with this https://open.spotify.com/show/0KEsqdQgVCL6BKomPoNVOz), YouTube (hyperlinked with this https://www.youtube.com/channel/UCvOPFdkhCBIK2Y5QbDtOZXA), or wherever you get your podcasts! Follow us on Instagram (hyperlinked with this https://www.instagram.com/rask.invest/) and TikTok (hyperlinked with this https://www.tiktok.com/@rask.invest) for more investing insights. Topics Covered – Why Does Money Feel So Hard? – “Am I the Problem?” (The Hot Iron Theory) – The Gardening Framework for Wealth – The Four Stages of Wealth Explained – Stage 1: Sprouted – Financial Mindfulness – Stage 2: Grounded – Financial Security – Stage 3: Thriving – Financial Independence – Stage 4: Abundant – Financial Freedom – What Happens When You Skip Stages – Common Money “Weeds” That Stall Progress – How to Identify Your Stage Honestly – How Long You Should Spend Managing Your Money Each Week – Matching Your Money Actions to Your Stage Resources for this episode Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @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 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

5 days ago

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57 min
3 DAYS AGO

ASX micro caps with big potential | Luke Winchester (Merewether Capital)

In this Australian Investors Podcast episode, your host Owen Rask is joined by Luke Winchester, founder of Merewether Capital, to discuss: – How Luke filters 2,000+ ASX stocks down to a high-conviction watchlist – What makes a quality micro cap in today’s market cycle – Five ASX micro caps Luke is watching (and in some cases owning) – Why process, patience and position sizing matter in small caps If you love learning about micro cap investing, ASX small caps and long-term compounding, subscribe to the Australian Investors Podcast on Apple , Spotify, or YouTube ! Follow us on Instagram and TikTok for more investing insights. Topics Covered Luke explains how he narrows 2,300+ ASX stocks to a focused universe of ~100, then to a concentrated portfolio. He discusses avoiding mining explorers, pre-revenue biotechs and heavily loss-making businesses, and why genuine cash flow and scalability matter. – What part of the market cycle are we in? The conversation covers interest rates, volatility and why micro caps can offer opportunity when information is scarce and sentiment is weak. Luke’s 5 ASX micro cap stocks to watch: LaserBond (ASX: LBL) – Industrial laser cladding technology extending machinery life. – High-margin IP and ESG tailwinds – Recent margin recovery after a capex investment phase – Key metric: gross margin recovery and utilisation XRF Scientific (ASX: XRF) – Analytical lab equipment and consumables for mining. – High-margin consumables business (strong profit-before-tax margins) – Exposure to mining activity without being purely exploration-driven – Key metric: consumables profit growth, not just revenue Austco Healthcare (ASX: AHC) – Nurse call and healthcare workflow technology. – Transition from low-tier products to higher-value integrated systems – Turnaround story driven by management execution – Key metric: backlog conversion and recurring revenue growth Change Financial (ASX: CCA) – Payments infrastructure and card issuing platform. – Platform-style economics with operating leverage – Inflection point in profitability – Key metric: revenue growth and scale across its fixed cost base Kip McGrath Education (ASX: KME) – Tutoring franchise with education tech upgrades. – Turnaround after US expansion missteps – Strong free cash flow as capex moderates – Key metric: franchise network growth and cash generation – Which stock is most misunderstood? – Luke highlights LaserBond as a business where short-term margin pressure obscured long-term value. – Final reflections on process and discipline – Why separating business performance from share price volatility is essential in micro cap investing. Resources for This Episode – Merewether Capital website – Episode 1/2 with Luke Winchester – Subscribe to Luke’s free monthly updates via Merewether Capital Rask Resources - Explore all Rask services - Get Financial Planning - Start investing with Rask - Access Show Notes - Ask a question – just select the Investors Podcast Follow us on social media: – Instagram: @rask.invest – TikTok: @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. You should consider if the information is appropriate for your situation before acting on it. If you’re unsure, consult a licensed financial planner. The Rask Group is NOT a qualified tax accountant, financial adviser, or tax professional. You can access The Rask Group’s Financial Services Guide (FSG) here. #Investing #Finance #AustralianInvestorsPodcast Learn more about your ad choices. Visit megaphone.fm/adchoices

3 days ago

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1h 3m
27 FEB

ASX results: WiseTech soars, NVIDIA surges & WOW’s best day in 30 years

In this Australian Investors Podcast episode, your hosts Owen Rask and Drew Meredith discuss: – NVIDIA’s 73% revenue growth and what it means for Aussie investors – Why the ASX rally may be dangerously narrow – WiseTech cutting 2,000 jobs and what AI means for software – Major ASX results: Woolworths, Domino’s, ARB, Accent & more If you love learning about long-term investing, markets and business analysis, subscribe to the Australian Investors Podcast on Apple , Spotify , or YouTube! Follow us on Instagram and TikTok for more investing insights. Topics Covered – NVIDIA earnings & AI disruption – ASX reporting season recap – Narrow market breadth warning – Rate hike probabilities – Portfolio hedging strategies – Career pathways in finance – Commercial property vs index investing – Big investing “what if” scenarios Resources for this episode Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @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 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

27 Feb

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1h 2m
1 DAY AGO

Super at retirement, pension timing and health costs – Q&A

In this Friday Q&A episode of The Australian Finance Podcast, Gemma Mitchell is joined by Tahli Cavagnino, Senior Adviser at Rask Advice, to answer some of the most common and nuanced questions people face as they approach retirement. This episode focuses on the decisions that sit right at the transition point, when work is winding down, structures start to matter more, and the tax and timing trade-offs can feel overwhelming. If you found this episode helpful, hit follow on Apple, Spotify, YouTube, or wherever you listen to podcasts. Got a retirement money question? Send it through here. Resources for this episode ATO: Transition to Retirement APRA Super Fund Performance Dashboard Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @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 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

1 day ago

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39 min
3 DAYS AGO

Tom's $100,000 ETF portfolio (with a twist)

Owen Rask and Betashares’ Tom Wickenden construct two themed $100,000 ETF portfolios — one focused on the rise of China and Asia, the other built as an “existential” hedge against US dominance and structural risks. In this Australian Finance Podcast episode, Owen Rask is joined by Tom Wickenden from Betashares to construct two high-conviction $100,000 ETF portfolios — each with a clear macro theme and five-year horizon. We cover: - What Tom has personally invested in recently — and why - Owen’s first ever investment and what it taught him - Two bold ETF portfolios with zero “vanilla” thinking - How to invest when you don’t have a strong view on the US market If you enjoy learning about ETFs, portfolio construction and macro themes, subscribe to the Australian Finance Podcast wherever you get your podcasts. Key Takeaways - Most Australian portfolios remain US-heavy - Market concentration risk is elevated - Emerging markets deserve serious consideration - Factor tilts (momentum, value) can shift portfolio dynamics - Thematic investing requires discipline and long time horizons Resources for This Episode - Betashares ETF fund pages - view all the ETFs - Robot backflip video referenced Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @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 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

3 days ago

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1h 1m
26 FEB

Rewarding yourself, ETF losses and walking away from golden handcuffs – Q&A

In this Friday Q&A episode of The Australian Finance Podcast, Owen Rask and Gemma Mitchell tackle the emotional side of money decisions, from learning how to actually enjoy financial progress, to handling early investing nerves, career burnout and retirement timing. This episode is less about spreadsheets and more about behaviour, mindset and realistic trade-offs, especially for people who are doing “well on paper” but still feeling stuck or unsure. If you liked this episode of The Australian Finance Podcast, subscribe on Apple, Spotify, or YouTube for more weekly episodes. Got a question for a future Q&A? Send it through here. Topics Covered – How to reward yourself after reaching financial milestones – Avoiding the trap of extreme saving & money guilt – Managing early investing nerves and ETF losses – When (and why) people sell shares too early – Why losses feel bigger than they are when you're just starting – Feeling stuck in a high-income job you don’t like – What “golden handcuffs” are & how to escape them – Retirement timing vs super access vs pension age – Building optionality and buffers before quitting a job Resources for this episode How to build a values-based money system Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @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 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

26 Feb

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36 min
6 DAYS AGO

Hot inflation and the Olympic effect on property

Inflation is still running hot. Construction can’t keep up. And the Olympics are coming. Pete Wargent and Chris Bates unpack what is really driving Australian property in early 2026 — sticky inflation, renewed rate risk, construction bottlenecks and Olympic-driven labour demand. With approvals rising but delivery lagging, they examine how supply constraints, first-home buyer momentum and rising build costs are influencing prices and opportunity across the country. Together, they discuss: - Inflation came in hot and what another potential rate hike means for buyer confidence - Why first-home buyers continue entering despite higher rates and tighter borrowing capacity - The impact of the revamped 5% deposit scheme on bottom-quartile prices - Why approvals are lifting but dwelling completions remain stubbornly low - Olympic-driven labour demand in Brisbane - Infrastructure projects crowd out housing supply - The rise in build costs and how higher replacement values are embedding price support - Does regional outperformance reflect affordability, investor activity or structural shift? - Listener Q&A: Downsizing strategies and how parents can structure support for children without compromising their own financial security Resources for this episode Ask a question (select the Property podcast) Rask Resources Pete's Buyers Agency Alcove mortgage broking Amy Lunardi Buyers Agency (Melbourne) All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @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 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

6 days ago

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42 min
26 FEB

$2M retirement paralysis, franking credits explained & geared ETF reality check

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth open with football season excitement - Saints vs Dogs, tickets locked in for June 21, 2026, and the inevitable complaining about obscene player salaries. The Boomer Briefing tackles two critical topics: Q Super's Retirement Bonus - What it is, how it works, eligibility criteria, and whether it's actually worth it or just marketing spin. Selling down assets: Accumulation vs Pension phase - The massive tax differences that could save or cost you tens of thousands. When should you sell? What's the optimal timing? This is pure gold for anyone approaching retirement. Then comes the main event - "Unclench-CtrlAltRetire's" epic question: "I'm 62, currently staring terrified into the retirement abyss with $2M in cash. 50% in a bank at 4.25%, 50% in super on the Members Direct platform, treating the 'Buy' button like it's a detonator. I am paralysed by sequencing risk and overwhelmed by options, resulting in total inaction. Drew and James deliver a masterclass on: - Franking credit refunds in pension accounts (the actual mechanics) - CGT exemptions in pension phase (what IS and ISN'T covered) - Geared ETFs reality check (risk vs reward in retirement) - Dollar-cost averaging strategies to overcome analysis paralysis - Core portfolio construction for retirees - How to finally press the "Buy" button without panic This episode is essential for anyone frozen by fear with cash earning nothing while markets move. If you like this Australian Retirement Podcast episode on pension phase tax strategies and overcoming investment paralysis, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @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 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

26 Feb

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36 min
2 DAYS AGO

Bank of Mum & Dad guide, ASIC targets lead generators & SMSF boom explained

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth tackle why CBA and BHP are both crushing it right now, plus the shocking SMSF boom: 42,000 new funds established in FY25, with the average NEW trustee age dropping to just 47 (vs 61 for existing funds). Why are younger Australians rushing to SMSFs, and 80% doing it without advisers? The Boomer Briefing covers ASIC's major crackdown on dodgy lead generators selling your details to financial advisers, how to spot ethical vs unethical lead generation, and what retirees need to know about being targeted with rollover offers. Plus: How retirees can use AI like Claude in their financial lives, and whether old-fashioned companies are better during market selloffs. Today's big question comes from "Ma & Pa Bank" - a 50-year-old couple with a mortgage-free family home and an investment property, wanting to help their late-teen kids buy homes in 5-8 years. How can they use their property equity or the investment property itself to help their children significantly before they're ready to gift cash in retirement? What creative strategies work without destroying their own financial future? Drew and James explore the biggest mistakes parents make (helping too much, too soon), the critical questions to answer first (how much can you actually afford?), and the real-world strategies that work vs the ones that sound good but wreck retirements. If you like this Australian Retirement Podcast episode on ASIC's lead generator crackdown and helping kids without wrecking your retirement, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: CBA & BHP crushing it - What's driving the performance? SMSF boom explained - 42,000 new funds in FY25, average NEW trustee age drops to 47 Why young people rushing to SMSFs - 80% set up without advisers ASIC cracks down on lead generators - How dodgy companies sell your details, what's ethical Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @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 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

2 days ago

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46 min
19 FEB

AI & your money, super strategies and SMSF ETF risks – Q&A

Explore how AI tools like ChatGPT can support (and mislead) your financial planning, understand key differences between pre- and post-tax super contributions, and unpack SMSF concerns around ETF custodial ownership. In this Friday Q&A episode of The Australian Finance Podcast, Owen Rask and Gemma Mitchell unpack some of the most common and timely questions we’re seeing right now around AI, superannuation strategies and SMSF investing. With tools like ChatGPT becoming part of everyday decision-making, we talk about where AI can genuinely help with money organisation and planning, where it falls down, and why judgement, context and regulation still matter when real money is on the line. We also step through practical super contribution questions that confuse a lot of people, and clear up concerns around ETF custodial ownership for SMSFs. If you like this episode of The Australian Finance Podcast, make sure to subscribe on Apple, Spotify, YouTube, or your favourite podcast app. And follow us on Instagram and TikTok for more free insights. Topics Covered – Can ChatGPT help with your financial planning? – Where AI tools are useful (and risky) with money – Are AI-generated return estimates for super reliable? – Target date funds: what they are & how Aussies use them – What SMSF investors need to know about ETF custodial ownership – Betashares Direct & other SMSF platform structures – Pre-tax (concessional) vs post-tax (non-concessional) contributions – How to claim a tax deduction for super contributions – Why timing & paperwork matter for pre-tax strategies – Practical steps to avoid breaching your super caps Resources for this episode 📄 Learn more about this episode: – ChatGPT and Financial Planning – ASIC Guidelines - https://moneysmart.gov.au – ATO guide to Super Contributions - https://www.ato.gov.au 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 We love feedback! https://raskau.typeform.com/to/ZbfHy6IP Follow us on social media: Instagram: https://www.instagram.com/rask.invest TikTok: 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 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

19 Feb

•

45 min

Rask is a home of free investment news, personal finance, property and business education. Founded by Owen Rask in 2017, Rask is now Australia's largest investment and financial education platform built by investors. Take a free course online at https://www.rask.com.au