Share

cover art for 334 investment bonds, investing via a trust, tips for graduates + more

Dev Raga Personal Finance

334 investment bonds, investing via a trust, tips for graduates + more

Season 3
•

In today's Q&A Dev discusses:


👉 paying off debt fully vs creating an emergency fund and paying debt off gradually

👉🏼 investment bonds

👉 early career fellow - the pros and cons of buying a $2-3m home

👉🏽 saving 100% towards a home vs 50/50 invest & save

👉🏾 investing via a trust

👉🏿 first graduate job - tips for building a good financial foundation

👉🏻 looking after your mental health


TW: Towards the end of the episode Dev gives a trigger warning before sharing some mental health and suicide stats amongst doctors. Please remember to chat with your GP if you are experiencing any issues in regards to your mental health or contact Beyond Blue on 1300 22 4636 or Lifeline on 13 11 14.


We've also put together a list of support services that could help you or someone you know work through money or mental health concerns.


Related episodes 🎧


048 risk vs volatility!

087 what are investment bonds?

061 what is a trust?

326 what is accumulative advantage?


📝 Episode transcripts


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, 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 & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.

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 authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

More episodes

View all episodes

  • 634 Div 296 tax is now law!

    32:01||Season 6
    In this episode Dev unpacks the tax law that is now in effect impacting individuals with higher superannuation earnings. He covers:👉🏾 what is Div 296 and why was it created👉🏿 how does the legislation differ from the initial 2023 proposal👉🏻 how are indexation and unrealised capital gains treated👉 worked examples of $3M, $7M and $15M super balances 👉🏼 pros and cons of the legislation👉🏽 Dev's take on Div 296Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.

  • 633 what is the Gini coefficient?

    23:40||Season 6
    In this episode Dev unpacks how the Gini coefficient is used to measure economic inequality. He explains how it works plus:👉🏾 income inequality vs wealth inequality👉🏿 what is the Lorenz curve👉🏻 what is Pigou-Dalton principle👉 limitations of the Gini coefficient👉🏼 where does Australia sit relative to the OECD countries👉🏽 his top takeawaysDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.

  • 632 what is dividend investing?

    22:24||Season 6
    In today’s episode Dev explains dividend investing, touching on:👉🏾 the difference between a dividend vs distribution👉🏿 what is dividend yield?👉🏻 tax on dividends and how franking credits works👉the pros and cons of dividend investing👉🏼Dev's thoughts on dividend investingDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.

  • 631 why do you fly economy when you don't have to?

    45:03||Season 6
    In this episode Dev is joined by Gagan Gupta, airline points strategist and Founder of Turn Left For Less (TLFL) which helps business owners and entrepreneurs convert their everyday business and personal spending into Business and First Class travel for less than the retail fare. Gagan touches on:👉 why businesses accumulate points a lot faster and how to maximise them👉🏽 why your power bill might already be earning you more than you think👉🏻 how a family of 4 flew Singapore Airlines business class to India for $600 cash👉🏾 what's not worth spending your airlines points on👉🏿 how to points stackPay.com.au link as discussed in the podcast: https://pay.com.au/turnleftforlessWhere you can connect with Gagan:https://www.tiktok.com/@turnleftforless747https://www.youtube.com/@turnleftforlesslanding.turnleftforless.comDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.

  • 630 invest or pay off debt - what is the F2 rule?

    15:51||Season 6
    Is it better to pay off your mortgage or invest the money instead? In today’s episode Dev explains:👉🏾 invest or pay off debt? the mathematical solution👉🏿 the F2 rule - feelings vs finance👉🏻 behavioural finance👉 the 6% rule👉🏼 real life examples on decision makingDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.

  • 629 what is the homo economicus theory?

    12:27||Season 6
    In this episode Dev unpacks:👉🏾 what are the principles of homo economicus👉 real life examples of homo economicus playing out in modern society👉🏿 what is behavioural finance👉🏻 what is neuroeconomicsDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.

  • 628 LICs vs ETFs

    15:35||Season 6
    In this episode Dev explains the difference between two investment structures, LICs and ETFs. He covers:👉🏾 what is an LIC vs what is an ETF?👉🏿 what is NTA (net tangible assets) vs NAV (net asset value)👉🏻 the pros and cons of each investment structure👉 the similarities and differences👉🏼 Dev's bottom line verdict of which investment structure suits youDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.

  • 627 investing for kids

    22:33||Season 6
    In this episode Dev talks about the different structures you can consider using to invest for your kids. He touches on: 👉🏾 the role of parents and parenting👉🏿 learning about tax for minors👉🏻 investing using your offset account👉 trust structures👉🏼 investment bonds👉🏽 and super accounts for kidsDev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.

  • 626 from the vault: money mistakes by doctors

    34:15||Season 6
    In today’s episode from season 4, Dev explains 5 money mistakes he sees doctors commonly making.Related episodes 🎧117 what is automation?409 money mistakes by doctors part 2Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auTo chat with a professional and get help about your situation, click here.