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 Australians, how much money we need for a comfortable retirement and more. Magdeline (Deline) Jacovides is an Authorised Representative (No. 1240373), and ...
Aug 31, 2022•43 min
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 portfolios? Rask ETFs has you covered (use code ‘AFP’ for $50 off your lifetime membership). Take one of our amazing money & investing courses (think ...
Aug 29, 2022•30 min
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! Alongside David Andrew, Senior Adviser at State Trustees (Victoria’s public trustee), Kate explores everything from what’s necessary for a valid will and...
Aug 25, 2022•56 min
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 of things advisers can help with, what you should be doing right now if you’re not in a position to get professional advice and how to know when it’s t...
Aug 24, 2022•47 min
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 you do need to understand what you’re doing and manage your behaviour. So in this episode of The Australian Finance Podcast, Kate & Owen unpack the m...
Aug 22, 2022•40 min
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 Owen, Kate and our producer Monique. We chat about the personal finance and investing news, hacks & lessons we discover during the month, along with R...
Aug 18, 2022•40 min
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. Not everything will be helpful or relevant to your situation (some things are State based) but hopefully you come out of today’s episode with one key a...
Aug 15, 2022•40 min
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 books. Before we start please note, this is not a recommendation from Owen, Kate or the Rask Team. Owen and Kate do not own shares of Woolworths Group ...
Aug 11, 2022•50 min
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 you covered (use code ‘AFP’ for $50 off your lifetime membership). Take one of our amazing money & investing courses (think ETFs, shares, property an...
Aug 10, 2022•30 min
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 get into debt and strategies for getting out of it, plus some of the hardship options available to you in Australia. Ready-made ETF portfolios? Rask E...
Aug 08, 2022•52 min
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 choices in your day to day work, it can be very unpredictable and uncertain, on both your time and money, which can lead to financial stress. In today’...
Aug 04, 2022•39 min
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 covered (use code ‘AFP’ for $50 off your lifetime membership). Take one of our amazing money & investing courses (think ETFs, shares, property and FIRE...
Aug 03, 2022•27 min
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 that may stand out to you as investors, and some notable ASX case studies. Our red flag might be your green light, so in today’s episode we’re going ...
Aug 01, 2022•1 hr 2 min•Season 4Ep. 65
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 shares his strategy to cut up to four years off your home loan and Monique shares a great way to get some cashola back on clothes you’re not wearing anym...
Jul 28, 2022•36 min•Season 4Ep. 63
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 students enrolled in Rask courses. A massive achievement for us at Rask. That’s 16,000 families who have been positively impacted by our sensible, op...
Jul 26, 2022•7 min•Season 4Ep. 64
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 your ETF portfolio and weighing up the costs of brokerage accounts. Send any questions you have to [email protected] or share them in our FB Communit...
Jul 25, 2022•40 min•Season 4Ep. 62
📚 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 ours don’t quite replace. So, in today’s episode, we want to share some of the personal finance and investing books that have had a big impact on us re...
Jul 21, 2022•30 min•Season 4Ep. 61
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 look at the bigger picture of how we’re designing the lives we want to live, and investing both our time and money better. Today’s guest, Dr Amantha I...
Jul 18, 2022•41 min•Season 4Ep. 60
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 or Owen hold a position in VAS. This episode is part of our monthly series where we dive into a share/ETF and provide you with a high level overview. F...
Jul 14, 2022•39 min•Season 4Ep. 59
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. But there can be a lot of announcements (more than one person can read in a day)…so what should you keep an eye out for as an investor? That’s what Kate...
Jul 11, 2022•53 min•Season 4Ep. 58
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 have a direct control over. You can’t change the things in your past, but you can start making small steps to change the direction of your financial fu...
Jul 07, 2022•37 min•Season 4Ep. 57
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 investing and going on an adventure. Ready-made ETF portfolios? Rask ETFs has you covered (use code ‘AFP’ for $50 off your lifetime membership). Take one of o...
Jul 04, 2022•21 min•Season 4Ep. 56
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 having chickens. Plus, we share our brand new Rask Roadtrip courses (free of course) which are a great resource to share with your friends and family....
Jun 30, 2022•42 min•Season 4Ep. 55
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 contributions, asset write-offs, negative geared properties, capital gains and losses, medicare levy surcharge and much more! Ready-made ETF portfolios? Ra...
Jun 27, 2022•52 min•Season 4Ep. 53
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 you can claim and key tax time changes in FY 21/22 to know about. Ready-made ETF portfolios? Rask ETFs has you covered (use code ‘AFP’ for $50 off your ...
Jun 23, 2022•46 min•Season 4Ep. 52
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 worth of Australian Government bonds issued, and that’s not even including the trillion dollar corporate bond market in Australia. In this investment bond...
Jun 22, 2022•50 min•Season 4Ep. 54
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 Australian Finance Podcast, to ensure we can keep bringing great free educational resources and podcasts your way. We introduce you to Nick and his journey s...
Jun 20, 2022•52 min•Season 4Ep. 51
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 financial future (like debt repayments, savings goals & super contributions) and adding some friction to the things that take away from your financial ...
Jun 17, 2022•30 min•Season 4Ep. 50
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. Plus, we discuss what a recession is, investing in times of uncertainty and making the most of our finances by better understanding where we sit on ...
Jun 13, 2022•49 min•Season 4Ep. 49
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 sell a share? This episode is our final part of Shares Month on The Australian Finance Podcast - be sure to check out other episodes first l...
Jun 09, 2022•39 min•Season 4Ep. 48
