Dev Raga Personal Finance

In this episode Dev explains the concept of opportunity cost, touching on:

👉🏾 what it is and how it differs from sunk cost

👉🏿 a formula for working out opportunity cost

👉🏻 where you can apply the concept of opportunity cost beyond finances

Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.

Need a mortgage broker? Check out https://www.spherehomeloans.com.au

Need to review your personal ...

There’s 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.au

Need to review your personal insura...

Can Stockholm Syndrome apply to your investing strategy? Let's take a look! Dev unpacks:

👉🏾 what exactly happened in 1973

👉🏿 how the term Stockholm Syndrome came about

👉🏻 how this is relevant to investing

👉 and a worked example

Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.

Need a mortgage broker? Check out https://www.spherehomeloans.com.au

Need to review your personal insurances? ...

In 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.

Dev is joined by mortgage broker Rachelle Kroon from Sphere Home Loans to answer common lending questions from healthcare workers. They dive into:

👉 the pre-approval process

👉🏽 how to navigate lending with variable income

👉🏼 what to know before taking parental leave or a fellowship

👉🏿 special lending benefits for healthcare professionals

👉🏻 why cross-collateralisation can limit flexibility

👉🏾 how interest rate cuts impact ...

In today's episode Dev explains the concept of strategic asset allocation and touches on:

👉🏾 what it is

👉🏿 the 4 main asset classes

👉🏻 target allocation factors

👉 risk tolerance

👉🏼 investment horizon

👉🏽 return objectives and expectations

Related episodes 🎧 440 sequence of returns risk & how it affects your retirement: Apple | Spotify

Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye We...

In today's episode Dev unpacks the changes to superannuation that you need to know come 1 July 2025. He covers:

👉🏾 carry forward contributions

👉🏿 minimum pension drawdown

👉🏻 superannuation guarantee increase to 12%

👉 transfer balance cap

👉🏼 defined benefit income caps

Related episodes:

231 superannuation part 1 - Apple | Spotify

232 superannuation part 2 - Apple | Spotify

233 superannuation part 3 - Apple | Spotify

D...

In 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:

👉🏽 prepaying interest and expenses

👉🏼 offsetting capital gains with capital losses

👉🏿 personal super contributions

👉🏻 the $20k instant asset write-off for business owners

👉🏾 the $500 co-contribution scheme for low-mid income earners

👉🏼 claiming home office expenses

👉🏽 trust...

In 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:

👉🏾 why Stockspot launched a super product

👉🏿 how Stockspot Super differs from other super funds

👉🏻 what investments are included...

In this episode Dev unpacks the three pillars of investing: risk, return, and volatility. He covers:

👉🏿 how to figure out your personal risk tolerance

👉🏻 why chasing high returns usually means more risk

👉 what volatility actually means (and why it’s normal)

👉🏼 what is the efficient frontier

👉🏽 how diversification helps manage risk

👉🏾 the impact of inflation on long-term returns

👉🏻 modern portfolio theory

👉🏿 why past perf...

Please note that this episode was recorded before the May 2025 Federal Election. In today's episode Dev unpacks the proposed Division 296 legislation which will impact super balances of $3 million and above. He touches on:

👉🏾 superannuation concepts

👉🏿 the function of super

👉🏻 what is the div 296 tax?

👉 who will it impact

👉🏼 any exceptions or special rules

You can read more about the legislation here: https://ministers.t...

In today's episode Dev explains what a listed investment company is and how it works. He covers:

👉🏾 the investment options

👉🏿 management and fees

👉🏻 the difference between LICs and LITs

👉 examples of LICs

👉🏼 and their pros and cons

Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.

Need a mortgage broker? Check out https://www.spherehomeloans.com.au

Need to review your personal insuran...

In today's episode, Dev sits down with Felipe Araujo, CEO of Generation Life, to unpack everything you need to know about investment bonds. They cover:

👉🏽 what investment bonds are and how they work

👉🏼 who investment bonds are most suited to

👉🏿 tax benefits compared to investing outside a bond

👉🏻 how asset protection and estate planning features work

👉 fees, investment options, and how to withdraw funds

Dev Raga Per...

In this episode, Dev sits down with Dr Carmen Brown, an American-trained OB/GYN who made the bold decision to leave the US healthcare system and start a new life and career in Australia and New Zealand. They dive into Carmen’s medical journey, the brutal realities of student debt and burnout in the US, and why Australia & New Zealand offered not just better working conditions, but a new lease on life. Carmen also shares how she...

Let's talk about debt! Dev covers:

👉🏿 what is debt?

👉🏻 deductible vs non deductible debt

👉 what is debt recycling

👉🏼 the pros and cons of debt recycling

Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.

Need a mortgage broker? Check out https://www.spherehomeloans.com.au

Need to review your personal insurances? Head to https://skye.com.au

We hate email spam so we don’t create it! Si...

In today's episode Dev unpacks the concept of a doom loop, touching on:

👉🏿 what it is and how it works

👉🏻 what is a flywheel effect?

👉 the main causes

👉🏼 and how to break the doom loop

Dev Raga Personal Finance is proudly supported by Sphere Home Loans and Skye Wealth.

Need a mortgage broker? Check out https://www.spherehomeloans.com.au

Need to review your personal insurances? Head to https://skye.com.au

We hate emai...

In this episode, Dev chats with Vanessa* who is a practicing dentist and private practice owner about her 30+ year journey in dentistry. From getting into dental school to navigating staff management and overheads, Vanessa shares what it’s really like to run a dental practice and how she’s built long-term wealth along the way. *Name changed for privacy. Her journey includes:

👉🏾 getting into dental school & early career cha...

The 4% rule is a go-to for retirement planning, but does it actually hold up? In this episode, Dev Raga breaks down what the rule gets right, where it falls short, and how you can tweak it for a more secure future. He dives into:

👉🏻 why the 4% rule was created and if it still works today

👉 how market downturns and fees can derail your retirement

👉🏼 the hidden power of paying off your mortgage before retiring

👉🏽 asset allocat...

Jeff* is 25, a junior doctor, and already owns a home with a growing $120K share portfolio. He joins Dev to share how he got here including his journey through private medical school, navigating doctor-friendly home loans, and the investing strategy that’s setting him up for financial freedom. *Name has been changed for privacy. Jeff's story touches on:

👉🏾 the cost of private medical school & fee-help loans

👉🏿 moving for ...