In today’s bonus episode of The Australian Finance Podcast, Kate & Owen share five money habits for financial success in 2022, that you could try incorporating in your own life this year. These habits include automating your savings and investing plan, meal prepping on the weekends and setting yourself small goals with regular wins. Share your money habits that have worked for you with us on Twitter or Instagram! Ready-made ETF portfolios? Rask Core has you covered (use code ‘AFP’ for $50 of...
Oct 05, 2022•19 min
Does your company have a moat? Here at Rask, one of the key pillars in our investment philosophy is investing in companies with strong advantages or moats. A moat is a throw-back to the good ol’ days when castles (business franchises) needed a ring of water (competitive advantage) to protect them from the attack of enemy armies (competitors) who had heavy armour and weaponry. A moat is a feature of a business that enables it to generate excess returns on capital for a sustained period. Under the...
Oct 03, 2022•49 min
Welcome to part 5 of our ETF investing mini-series: a 5-part podcast series, aimed at building your confidence when it comes to researching, comparing and building an ETF portfolio. After listening to parts 3 & 4 of our ETF investing mini-series, you might have an ETF in mind that you’re ready to buy. But hold on a sec…you can’t just buy this ETF at the supermarket. In this ETF episode we break down how to actually buy an ETF in Australia (hint: you’ll need a brokerage account), ongoing ETF ...
Sep 30, 2022•40 min
Welcome to part 4 of our ETF investing mini-series: a 5-part podcast series, aimed at building your confidence when it comes to researching, comparing and building an ETF portfolio. Now that you’ve compared ETFs and actually decided on one you might like to invest in, Kate & Owen are going to help you brush up on your knowledge and understand your chosen ETF better. Make sure to listen to parts 1, 2 & 3 of our ETF investing mini-series, if you haven’t already. Be sure to download our ETF...
Sep 29, 2022•58 min
Part 3 of our ETF investing mini-series: a 5-part podcast series, aimed at building your confidence when it comes to researching, comparing and building an ETF portfolio. In this episode, Kate & Owen walk listeners through how to research and compare different ETFs within a category. We cover how to compare large ASX ETFs including A200, STW, IOZ, VAS (ASX300) and MVW (equal weight 100). Plus, we discuss the most important step, actually making a decision and investing! Make sure to listen t...
Sep 28, 2022•40 min
Welcome to our part 2 of our ETF investing mini-series: a 5-part podcast series, aimed at building your confidence when it comes to researching, comparing and building an ETF portfolio. In this episode, Kate & Owen walk listeners through how to work out what kind of ETF you’re looking for, and how it forms part of your broader investment strategy. We also explain what a Core/Satellite Portfolio is, understanding your risk profile and whether ETF unit size matters. Make sure to listen to part...
Sep 27, 2022•41 min
Welcome to our ETF investing mini-series: a 5-part podcast series, aimed at building your confidence when it comes to researching, comparing and building an ETF portfolio. Over the course of 5 podcast episodes, we’ll cover the basics of ETF investing you need to know about, and give you the tools to figure out what type of ETF you’re looking for, and how to research and compare them. Plus we’ll give you an overview of what you need to know about how to buy ETFs and managing them on an ongoing ba...
Sep 26, 2022•50 min
⚠️ 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 trials at local gyms and the Library of Mistakes Podcast. Monique shares homemade gift ideas (with a live example), and Owen shares the fuel saving app...
Sep 22, 2022•50 min
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 their money to benefit others rather than themselves; (3) buy many small pleasures rather than fewer large ones; (4) eschew extended warranties and ot...
Sep 19, 2022•52 min
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 Podcast, Kate & Owen discuss understanding the wealth quadrant (working for income, owning someone else’s business, owning your own business), Owen’...
Sep 15, 2022•29 min
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 it compares to Vanguard’s VDHG ETF. Before we start please note, this is not a recommendation from Kate, Owen or the Rask Team, and neither Kate or Owe...
Sep 12, 2022•38 min
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 encourage you to set some time aside after listening to this episode to get on top of things. Plus, we cover the different financial records you’ll need to ke...
Sep 08, 2022•44 min
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 equation: your returns (and asset allocation), how much you can invest each month and your investment timeframe, along with the importance of focusin...
Sep 05, 2022•38 min
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 little bonus on their emergency fund that’s been safely stored away. In this episode Kate & Owen cover tips on making the most of your savings, w...
Sep 01, 2022•34 min
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...
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...
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 t...
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, ...
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 Gr...
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, propert...
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 ...
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 go...
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 Comm...
Jul 25, 2022•40 min•Season 4Ep. 62
