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The Australian Finance Podcast is your guide to sorting out your finances, one episode at a time. Owen & Kate bring you actionable strategies and knowledge that you can put into practice today. Save money, invest better and live life on your terms. New to the show? We recommend that you head back to our Starter Pack series of the podcast in Jan/Feb 2022, to get your head around some really important concepts! More advanced listeners might enjoy our other show, The Australian Investors Podcas ...
 
My name is Ravi Sharma and I escaped the Rat Race at 24. I want to share with you the importance of mindset when it comes to personal finance and living a life of choice. I have invested across assets like Australian Real Estate, Cryptocurrency and Collectibles like Pokemon and Dragon Ball Super Cards. Join me on Personal Finance with Ravi Sharma, as we chat about property investing, strategies and financial independence.
 
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show series
 
Back in April 2020, I stated that the Australian housing market will go into a property boom. However, not many listened to me back then mainly due to the dramatic headlines at the time due to lockdowns. Now, in 2022, I am issuing a warning to all home buyers and investors to pay attention. We are about to see round 2 of the Australian property boo…
 
⚠️ Warning: This is not a serious episode, but we’ve got a whole back catalogue for that. In this episode we have a chat about what’s happening in the economy right now, and share some listener suggestions in response to our high interest savings account episode a few weeks back. Kate shares the FREE Victorian will bank & register, using free trial…
 
Whilst it's easy to fall into the trap of listening to media about the housing market crashing and home loan rates will go back upto 17%, it's important we keep our emotions in check. After all, the main objective behind these headlines are to get the attention of the average consumer. In this video, I'm going to walk you through a concept that has…
 
Money can buy happiness, but you need to spend it right. This episode is all about small ways you can change your spending behaviour to maximise your happiness. Here’s the premise of the research report today’s episode is based on, which draws on 100’s of other research papers and studies: (1) buy more experiences and fewer material goods; (2) use …
 
Did you know there are 2+ million businesses in Australia (2/3 are sole traders)? Owning businesses is the key to wealth (Buffett invested in other people’s businesses, Oprah bought her own business, Michael Jordan makes more money from his own business ventures (e.g. Nike ownership) than in his career). In this episode of The Australian Finance Po…
 
This episode of The Australian Finance features a review of the BetaShares Diversified All Growth ETF (ASX: DHHF). Kate and Owen cover how DHHF works, an overview of key holdings, where to buy units in DHHF and how it could be used in a portfolio. Plus, we discuss the pros and cons of DHHF in comparison to building your own ETF portfolio, and how i…
 
This might sound like a boring episode, but please bear with us. We can promise you that taking some time to put together a sound record keeping system for your financial life now, will pay off down the track. In this episode we cover some of the times where having your financial records in an accessible place can come in handy, and why we encourag…
 
How would you use $1M if a magic wand was waved and it appeared in your bank account today? In this episode Kate & Owen discuss what it takes to become a millionaire. We’re not going to give you a secret recipe to become an overnight millionaire though, and if anyone promises you otherwise…run! We cover the three key components of the investing equ…
 
Savers rejoice! Your time to shine has come. It has been a few lifetimes since we’ve spoken about savings accounts and making sure you’re getting a decent interest rate on your hard earned savings, but things are changing. This is especially exciting for those of you that are hard at work saving up for a specific short term goal or wanting to get a…
 
Is your future feeling super? In this bonus episode of The Australian Finance Podcast, Kate Campbell talks retirement planning and financial advice for the golden years with Deline Jacovides, a qualified financial adviser. Deline shares her thoughts on the importance of super in our financial plans, what retirement actually look like for most Austr…
 
Complicated doesn’t equal better when it comes to your finances. In today’s episode, Kate & Owen explore five different ways you can work towards simplifying your financial life, and leave more time for the fun stuff! Keep your investments simple, diversified, low-cost and regular. Remember, investing is a marathon and not a sprint. Ready-made ETF …
 
TW: This episode briefly mentions death & suicide There are three certainties in life, death, taxes and change, and in this episode we cover all three! If you’ve ever wanted to know what happens when you dies and what words like estate, testator, beneficiary, executor, intestate, probate, will and trustee mean, then this is the episode for you! Alo…
 
What does the pathway to getting financial advice look like? In this bonus episode, Kate Campbell speaks to Marc Bineham, a former financial adviser with decades of experience, Past National President of the Association of Financial Advisers (AFA) and newly minted author of The Money Sandwich. We discuss the pathway to advice, including the range o…
 
Investing is an EQ game, not an IQ game One of the biggest misconceptions about investing is that it has to be complicated. But in reality, decent returns can be found using simple no-frills ETFs to build a core portfolio. You don’t need a PhD, Masters or CFA qualification to build a respectable long-term portfolio that sets you up financially. But…
 
An iPhone for $65? Really? Money & Chill on The Australian Finance Podcast is back! This week Kate, Monique and Owen chat about our upcoming travel plans (three years later), Owen’s iPhone savings hack discovery, Monique’s pasta swap and Kate’s new free shower head. Money & Chill is a new monthly segment on The Australian Finance Podcast featuring …
 
With mortgage rates going up, the cost of living rising and the feeling of uncertainty in the air, it is high time we got back to basics and discuss some ways to save money around the home. Considering a huge chunk of our pay each month goes to living costs like house repayments and groceries, there’s a lot of value in having these conversations. N…
 
Ready for an ASX deep dive? In today’s episode we’re going to take a deep dive into a huge Australian supermarket chain that you’ll all be familiar with, Woolworths Group Ltd (ASX: WOW). Owen & Kate take listeners through what the company does, who runs the show, key competitors, the company’s key business lines and Owen takes a quick look at the b…
 
What is going on with interest rates at the moment? In this episode of The Australian Finance Podcast, Kate and Owen discuss the latest RBA interest rate hikes and what that means for homeowners and renters, plus share some actionable strategies to be proactive with your finances during times on uncertainty. Ready-made ETF portfolios? Rask ETFs has…
 
Talking about money is more important than ever right now, and if you’re having a tough time making ends meet or getting out of debt, there’s a fantastic free resource available in financial counsellors and through the National Debt Helpline. Australian Finance Podcast’s Kate Campbell chats to financial counsellor Victoria Shakeshaft, about why we …
 
It’s estimated that over 250,000 Australians are part of the gig economy, which includes side hustlers with 9 to 5’s and those working full time in the gig economy. So chances are many of our listeners have tried their hand at a side hustle or freelance work arrangements at some point. Although gig economy work can provide greater flexibility and c…
 
Ready for ASX reporting season? In this episode of The Australian Finance Podcast, Kate Campbell and Owen Rask jump into your feed for a bonus episode, to share our free ASX annual report checklist, that you can download and use throughout reporting season. DOWNLOAD CHECKLIST HERE: bit.ly/reporting2022 Ready-made ETF portfolios? Rask ETFs has you c…
 
As an investor, a red flag is a warning sign to you that there’s something going on with the company that warrants further investigation. We don’t usually get to see the inner workings of the company, so have to make educated decisions based on the external information available to us. In this episode, Kate & Owen put forward 10 different red flags…
 
Are we heading into a recession?! What does it mean? How can I recession proof my finances? In this episode, we have a chat about what a recession means for us, and some strategies we can put in place to make the most of our finances right now. Kate shares how she’s dealing with the cost of living increases and keeping her food costs down, Owen sha…
 
I interrupt our regular programming for a special update. Here’s a quick update on what we’ve been working on behind the scenes at Rask. Proper financial education is nearly impossible in Australia for the masses. We wanted to address that. Every day we check our total enrolments as a sign of hope, pride and achievement. Recently, we crossed 16,000…
 
Welcome back to another listener Q&A episode, where Kate Campbell and Owen Rask crack open the mailbox to answer your money and investing questions. This month we cover a great range of questions ranging from the reasons why the ATO might send you a tax bill and how securities lending works (in light of Stake’s announcements) to over diversifying y…
 
📚 Ready for some personal finance and investing book recommendations? After sharing a pile of books on my shelf at the moment, we were reminded of the impact a personal finance and investing book can have on someone’s financial future. There’s something so tangible about being able to share a book with friends and family, that even podcasts like ou…
 
Doing a tax return with crypto, NFTs and staking can be super difficult! Koinly is a tax calculator that does the heavy lifting for you and in this video, I interview Danny who is the Head of Tax at Koinly to gain further insight into their company and what they offer. We chat about what the ATO is targeting in terms of tax returns and how you can …
 
Is scrolling through Netflix, Uber Eats and TikTok killing our ability to focus? This year we’ve become really interested in the idea of using our time better, and ways to live our lives with more intention. There is so much more to our lives than picking the perfect ETF or brokerage account, so it’s important that we take the time to zoom out and …
 
This episode of The Australian Finance features a review of Vanguard Australian Shares Index ETF (ASX: VAS). Kate and Owen cover how VAS works, an overview of key holdings, where to buy units in VAS and how it could be used in a portfolio. Before we start please note, this is not a recommendation from Kate, Owen or the Rask Team, and neither Kate o…
 
In today’s episode we’re going to unpack ASX market announcements. Have you ever noticed a section in your brokerage account, the ASX website or on a specific company’s website called market announcements? An ASX announcement from a company is how they keep you updated with important news like financial results, a new CEO or a major acquisition. Bu…
 
It’s time to grab your notebook, because today we’re talking about reflecting on and resetting your financial goals for the remainder of 2022! Let’s use this time in July to reflect on our progress, change course if necessary and set new money goals that’s we’re excited to work towards. We also discuss the importance of focusing on goals that you h…
 
Give your tax return a job - it’s your money! In today’s episode Kate & Owen share a few ideas to get you thinking about how to use your tax return with intention - it’s your money after all. We discuss reflecting on your financial goals and working out the best next step with these funds. Plus, we discuss paying off debts, getting started investin…
 
What in the market is going on right now?! With the cost of transport and construction jumping up, it’s time to have a chat about what’s going on with the economy and share market at the moment. Kate shares her journey into home-ownership, Monique shares her favourite money savings tip (hint: it involves burgers) and Owen cost-benefit analysis for …
 
Ready to make the most of your tax return in 2022? Never fear, because in this episode of The Australian Finance Podcast, Owen Rask talks to expert tax agent Jacob Fenech, part of the Airtax team, about 10 expert tax rules & tips you should know in 2022. Jacob covers record keeping, getting tax advice, home office deductions, concessional tax contr…
 
Who doesn’t love talking about tax?! In this episode of The Australian Finance Podcast, Owen Rask talks to expert tax agent Jacob Fenech, part of the Airtax team, about some of the key things you need to know this tax time. Jacob dives into tax rate basics, when and how to lodge your return, working out our assessable income, what tax deductions yo…
 
Have you ever wondered what an investment bond is? To put it simply, bonds are effectively an IOU between a borrower (the issuer of the bond) and a lender (the investor who purchases the bond). Although they’re less discussed in the retail investment space, the bond market in Australia alone is huge! As of May 2022, there are over $888 billion wort…
 
In today’s episode of the show, Kate and Owen chat to Nick Nicolaides, the founder and CEO of Pearler. Pearler is an investment platform that does things differently. From automated investing features and a real team behind the name, Pearler is making boring investing cool. We’re especially proud to have Pearler as our broker sponsor on The Austral…
 
If you’ve ever felt exhausted by the effort required to stay on top of your finances each month, then this is the episode for you. In this episode Kate & Owen look at different ways to automate your finances, including learning on the go and investing in your future. We’re big fans of automating the things that will have a positive impact of your f…
 
Wondering what impact inflation will have on your life? In this episode of the podcast, we ask Dr Sam Wylie (Associate Professor of Finance at the University of Melbourne) to unpack what everyone’s talking about: interest rates and inflation. Sam gives us a rundown on inflation and what it means for our living costs, mortgages, jobs and investments…
 
In this episode of The Australian Finance Podcast, Kate Campbell and Owen Rask answer listener questions from throughout Shares Month. This includes some discussions on: 👉🏼 Types of companies to avoid during a market crash 👉🏼 Is $1,000 enough to invest in shares? 👉🏼 Filtering & screening tools 👉🏼 Is micro investing safe? 👉🏼 How do you know when to …
 
In this episode Owen Rask gives listeners a crash course on small companies in Australia and how to research and invest in them. Be sure to strap in, because no day is ordinary in small cap land. We cover why Owen personally chooses to invest in small cap companies, how he filters ideas, his research process, how early is too early and what to do i…
 
Does passive income sound like music to your ears? Then this is the episode for you, as we’re diving into income investing and share dividends! Owen Rask chats to Scott Phillips, the Chief Investment Officer of The Motley Fool Australia, about building an income focused portfolio, balancing dividend and growth investing, finding high yielding share…
 
Can you invest with less than $5,000? We’re taking a break from Shares Month in this episode of The Australian Finance Podcast, as Kate Campbell and Owen Rask chat to Evan Lucas, who is the Chief Market Strategist at InvestSMART, an Australian provider of low-cost ETF portfolios, focused on helping you take the first step on your investment journey…
 
Making an extra $1,000/month through side hustles can result in increasing your borrowing capacity or pay for the next holiday. In this video, I share with you my favorite side hustles for 2022 that you could start today! Trying to get a promotion at work may not be easy so, why not try something else and potentially turn that side hustle into your…
 
ESG stands for Environmental, Social & Governance considerations, and ethical investing is about investing your money according to your personal beliefs, principles and morals. In today’s episode we’re going to explore the basics of building an ESG focused share portfolio, including identifying your investment values, positive and negative screenin…
 
Join me in this interview with Celsius Network's CEO Alex Mashinsky where we discuss all things defi, staking crypto, passive income, price predictions, NFT loans and plans for the Metaverse. Alex is a pioneer in the crypto space and he shares his vision for how blockchain technology can revolutionize the traditional finance world. MY NFT CHANNEL 👉…
 
Looking for some new watchlist ideas? In today’s episode we’re going to put our share investing checklist into practice and share some investment ideas from our team with you. We’re bringing you 12 ASX & US share ideas for 2022 from our analyst team, including why we find the company interesting and key risks to be aware of. Please note these are n…
 
Ready for an ASX deep dive? Welcome back to another episode of Shares Month 2022 on The Australian Finance Podcast! This month is all about how to analyse stocks like a pro. In today’s episode we’re going to take a deep dive into a huge Australian tech company, and apply all the skills we’ve gathered from our share investing checklist. No surprises…
 
Everyone is questioning if the RBA will increase rates in 2022 and therefore speculating whether to fix rates now or wait. In this video, I discuss why interest rates will go up in 2022 but, it won't be as devasting for the property market as many Australian Banks are predicting. With inflation out of control, the rates could help ease the inflatio…
 
Australian Banks are already increasing home loan rates and it's causing the housing market to slow down. This is leading to speculation and questions around the property boom and if these rate hikes will cause the next property crash. The RBA has continued to hold the cash rate at record low levels however, with high levels of inflation, is that s…
 
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