Dev Raga Personal Finance

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Dev Raga Personal Finance

Money concepts made simple for busy professionals, hosted by Melbourne-based doctor Dev Raga. New episodes every Wednesday. Formerly named my millennial money professional Hosted on Acast. See acast.com/privacy for more information.

  1. 5H AGO

    529 the 5 fundamental rules every smart investor follows

    There’s no shortage of investing advice out there, but some principles stand the test of time. In this episode, Dev breaks down 5 essential rules that smart investors live by. Simple, powerful habits to help you build real wealth over time. Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Need to review your personal insurances? Head to https://skye.com.au We hate email spam so we don’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. The host of this podcast is an authorized representative of Money Sherpa PTY LTD, which holds financial services license 451289. Hosted on Acast. See acast.com/privacy for more information.

    12 min

  2. JUL 8

    528 Stockholm syndrome in investing

    Can Stockholm Syndrome apply to your investing strategy? Let's take a look! Dev unpacks: 👉🏾 what exactly happened in 1973 👉🏿 how the term Stockholm Syndrome came about 👉🏻 how this is relevant to investing 👉 and a worked example Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Need to review your personal insurances? Head to https://skye.com.au We hate email spam so we don’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. The host of this podcast is an authorized representative of Money Sherpa PTY LTD, which holds financial services license 451289. Hosted on Acast. See acast.com/privacy for more information.

    14 min

  3. JUL 1

    527 lessons from 50 years of investing (with a retired GP!)

    In this episode we pick the brain of Dr Ken who is a retired GP and part of the original FI movement. He has been a clinician and a patient investor over 50 years and has built a large portfolio. We discuss his medical and financial journey, and touch on some valuable lessons along the way. I also ask him about the controversial Div 296 tax and have his take on it, as he will be affected by that tax. This one should not be missed. Ken's recommended reads: About investing for life goals - The Aspirational Investor by Ashvin Chhabra: https://amzn.to/3I92St3 Lecture on YouTube: https://youtu.be/Oe5zbOVDzMo?si=DojiE3N4sdK27qeC Great advice for aspiring investors - How a Second Grader Beats Wall Street by Allan Roth: https://amzn.to/44kJceJ Big picture on investing - The Birth of Plenty by William J Bernstein: https://amzn.to/3GmYExw Investing cautionary tales - Devil Take the Hindmost by Edward Chancellor: https://amzn.to/44HPrZZ Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Need to review your personal insurances? Head to https://skye.com.au We hate email spam so we don’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. The host of this podcast is an authorized representative of Money Sherpa PTY LTD, which holds financial services license 451289. Hosted on Acast. See acast.com/privacy for more information.

    57 min

  4. JUN 24

    526 lending for medical professionals: pre-approvals, parental leave, borrowing strategies + more

    Dev is joined by mortgage broker Rachelle Kroon from Sphere Home Loans to answer common lending questions from healthcare workers. They dive into: 👉 the pre-approval process 👉🏽 how to navigate lending with variable income 👉🏼 what to know before taking parental leave or a fellowship 👉🏿 special lending benefits for healthcare professionals 👉🏻 why cross-collateralisation can limit flexibility 👉🏾 how interest rate cuts impact borrowing capacity Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Need to review your personal insurances? Head to https://skye.com.au We hate email spam so we don’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.

    41 min

  5. JUN 17

    525 what is strategic asset allocation (SAA)?

    In today's episode Dev explains the concept of strategic asset allocation and touches on: 👉🏾 what it is 👉🏿 the 4 main asset classes 👉🏻 target allocation factors 👉 risk tolerance 👉🏼 investment horizon 👉🏽 return objectives and expectations Related episodes 🎧 440 sequence of returns risk & how it affects your retirement: Apple | Spotify Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Need to review your personal insurances? Head to https://skye.com.au We hate email spam so we don’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.

    16 min

  6. JUN 10

    524 superannuation changes coming July 2025

    In today's episode Dev unpacks the changes to superannuation that you need to know come 1 July 2025. He covers: 👉🏾 carry forward contributions 👉🏿 minimum pension drawdown 👉🏻 superannuation guarantee increase to 12% 👉 transfer balance cap 👉🏼 defined benefit income caps Related episodes: 231 superannuation part 1 - Apple | Spotify 232 superannuation part 2 - Apple | Spotify 233 superannuation part 3 - Apple | Spotify Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Need to review your personal insurances? Head to https://skye.com.au We hate email spam so we don’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.

    31 min

  7. JUN 3

    523 tax tips to maximise EOFY savings

    In this episode Dev covers some basic last minute tax tips for individuals and businesses before financial year 2025 comes to a close! He touches on: 👉🏽 prepaying interest and expenses 👉🏼 offsetting capital gains with capital losses 👉🏿 personal super contributions 👉🏻 the $20k instant asset write-off for business owners 👉🏾 the $500 co-contribution scheme for low-mid income earners 👉🏼 claiming home office expenses 👉🏽 trust beneficiaries 👉🏿 excess contributions and the div 293 tax Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Need to review your personal insurances? Head to https://skye.com.au We hate email spam so we don’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.

    27 min

  8. MAY 27

    522 Stockspot super deep dive (with CEO Chris Brycki)

    In this episode, Dev chats with Chris Brycki, founder and CEO of Stockspot, about their new superannuation product, Stockspot Super. They unpack how it compares to traditional super funds, why it's built around ETFs, and how it handles fees, risk, insurance, and tax efficiency. The chat touches on: 👉🏾 why Stockspot launched a super product 👉🏿 how Stockspot Super differs from other super funds 👉🏻 what investments are included in the portfolio 👉 a breakdown of fees and who they go to 👉🏽 how Stockspot manages risk across life stages 👉🏾 how rebalancing works using super contributions 👉🏿 pooled vs member-directed funds explained 👉 how Stockspot Super is designed to be tax effective 👉🏼 Chris’s personal money win and investing philosophy Learn more at https://www.stockspot.com.au/super/ Connect with Chris on Linkedin here: https://www.linkedin.com/in/brycki/ Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth. Need a mortgage broker? Check out https://www.spherehomeloans.com.au Need to review your personal insurances? Head to https://skye.com.au We hate email spam so we don’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.

    50 min
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Money concepts made simple for busy professionals, hosted by Melbourne-based doctor Dev Raga. New episodes every Wednesday. Formerly named my millennial money professional Hosted on Acast. See acast.com/privacy for more information.

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