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Dev Raga Personal Finance
436 GP balancing act: patients, procedures and money
In todayโs episode Dev interviews Dr, Moz, touching on:
๐๐พ his journey in medicine
๐๐ฟ what is your subspecialty/niche?
๐๐ป do you think that subspecialisation is essential in 2024?
๐ income opportunities in your area?
๐๐ผ tell us about about market/podcasting
๐๐ฝ AI in your practice
๐๐พ investing philosophy
๐๐ฟ money wins
We hate email spam so we donโt 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.
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529 the 5 fundamental rules every smart investor follows
12:10||Season 5Thereโs 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.auNeed to review your personal insurances? Head to https://skye.com.auWe hate email spam so we donโt 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 451289.528 Stockholm syndrome in investing
14:20||Season 5Can Stockholm Syndrome apply to your investing strategy? Let's take a look! Dev unpacks:๐๐พ what exactly happened in 1973๐๐ฟ how the term Stockholm Syndrome came about๐๐ป how this is relevant to investing๐ and a worked exampleDev 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.auWe hate email spam so we donโt 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 451289.527 lessons from 50 years of investing (with a retired GP!)
56:47||Season 5In 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=DojiE3N4sdK27qeCGreat advice for aspiring investors - How a Second Grader Beats Wall Street by Allan Roth: https://amzn.to/44kJceJBig picture on investing - The Birth of Plenty by William J Bernstein: https://amzn.to/3GmYExwInvesting cautionary tales - Devil Take the Hindmost by Edward Chancellor: https://amzn.to/44HPrZZDev 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.auWe hate email spam so we donโt 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 451289.526 lending for medical professionals: pre-approvals, parental leave, borrowing strategies + more
40:49||Season 5Dev is joined by mortgage broker Rachelle Kroon from Sphere Home Loans to answer common lending questions from healthcare workers. They dive into:๐ the pre-approval process๐๐ฝ how to navigate lending with variable income๐๐ผ what to know before taking parental leave or a fellowship๐๐ฟ special lending benefits for healthcare professionals๐๐ป why cross-collateralisation can limit flexibility๐๐พ how interest rate cuts impact borrowing capacityDev 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.auWe hate email spam so we donโt 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 451289.525 what is strategic asset allocation (SAA)?
15:42||Season 5In today's episode Dev explains the concept of strategic asset allocation and touches on:๐๐พ what it is๐๐ฟ the 4 main asset classes๐๐ป target allocation factors๐ risk tolerance๐๐ผ investment horizon๐๐ฝ return objectives and expectationsRelated episodes ๐ง 440 sequence of returns risk & how it affects your retirement: Apple | SpotifyDev 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.auWe hate email spam so we donโt 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 451289.524 superannuation changes coming July 2025
30:58||Season 5In today's episode Dev unpacks the changes to superannuation that you need to know come 1 July 2025. He covers:๐๐พ carry forward contributions๐๐ฟ minimum pension drawdown๐๐ป superannuation guarantee increase to 12%๐ transfer balance cap๐๐ผ defined benefit income capsRelated episodes:231 superannuation part 1 - Apple | Spotify232 superannuation part 2 - Apple | Spotify233 superannuation part 3 - Apple | SpotifyDev 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.auWe hate email spam so we donโt 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 451289.523 tax tips to maximise EOFY savings
26:51||Season 5In 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:๐๐ฝ prepaying interest and expenses๐๐ผ offsetting capital gains with capital losses๐๐ฟ personal super contributions๐๐ป the $20k instant asset write-off for business owners๐๐พ the $500 co-contribution scheme for low-mid income earners๐๐ผ claiming home office expenses๐๐ฝ trust beneficiaries๐๐ฟ excess contributions and the div 293 taxDev 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.auWe hate email spam so we donโt 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 451289.522 Stockspot super deep dive (with CEO Chris Brycki)
50:01||Season 5In 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:๐๐พ why Stockspot launched a super product๐๐ฟ how Stockspot Super differs from other super funds๐๐ป what investments are included in the portfolio๐ a breakdown of fees and who they go to๐๐ฝ how Stockspot manages risk across life stages๐๐พ how rebalancing works using super contributions๐๐ฟ pooled vs member-directed funds explained๐ how Stockspot Super is designed to be tax effective๐๐ผ Chrisโs personal money win and investing philosophyLearn 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.auNeed to review your personal insurances? Head to https://skye.com.auWe hate email spam so we donโt 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 451289.521 risk, return and volatility
16:00||Season 5In this episode Dev unpacks the three pillars of investing: risk, return, and volatility. He covers:๐๐ฟ how to figure out your personal risk tolerance๐๐ป why chasing high returns usually means more risk๐ what volatility actually means (and why itโs normal)๐๐ผ what is the efficient frontier๐๐ฝ how diversification helps manage risk๐๐พ the impact of inflation on long-term returns๐๐ป modern portfolio theory๐๐ฟ why past performance isnโt a reliable guide๐ the importance of aligning your strategy with your goalsRelated episodes ๐ง 228 what is modern portfolio theory? Listen on Apple | Listen on SpotifyDev 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.auWe hate email spam so we donโt 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.