Episodes

  • 10 questions to ask a mortgage broker (before buying)
    Aug 20 2025
    In this Australian Finance Podcast episode, your host Owen Rask takes you through 10 essential questions to ask a mortgage broker before buying a property. Whether you're a first-time buyer or upgrading, you'll discover: – What mortgage brokers actually do – How they get paid and what it means for you – How they can help improve your borrowing power – The must-ask questions before getting a loan If you liked this Australian Finance Podcast episode on working with mortgage brokers, you’ll love our free Property Buying course. Don’t forget to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts! Follow us on Instagram and TikTok for more investing insights. Topics Covered – What does a mortgage broker do? – Why would you use one over going directly to a bank? – How mortgage brokers get paid – How much deposit do you really need? – What is LMI (Lenders Mortgage Insurance)? – Are there government schemes or grants you qualify for? – How to increase your borrowing power – Should you pay down HECS and buy-now-pay-later debts first? – What’s the process of getting a loan approved? – Will your mortgage broker support you after settlement? – Should you borrow through a trust, company, or as an individual? – Fixed vs variable rates, offset accounts, redraw facilities – Do they compare every bank? – Key risks to watch out for when choosing a broker ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit - https://bit.ly/Pearler 📊 Get 50% off your first two months using PocketSmith - https://bit.ly/R-PocketSmith 📈 View Betashares full range of funds - https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services - https://bit.ly/R-services 📋 Learn about Rask Financial Planning - https://bit.ly/R-plan 📈 Start investing with Rask - https://bit.ly/R-invest 📜 Access Show Notes - https://bit.ly/R-notes ❓ Ask a question - just select the Finance Podcast - https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) - https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices
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    20 mins
  • Inside HYLD: How BetaShares built a high yield ETF
    Aug 18 2025
    In this Australian Finance Podcast episode, Owen Rask chats with Cameron Gleeson from Betashares about their newly launched HYLD ETF – the Betashares S&P/ASX Australian Shares High Yield ETF. They cover: – How HYLD is built and what sets it apart from other dividend ETFs – The ETF ecosystem: index providers, market makers, and transparency – Why avoiding “dividend traps” matters for income investors – How HYLD uses yield, volatility, and momentum filters to improve risk-adjusted income – Monthly distributions and who the ETF might suit If you like this episode on HYLD and dividend investing, you’ll love our other investing deep-dives. Subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts! Follow us on Instagram and TikTok for more investing insights. Topics Covered – ETF ecosystem explained: roles of index providers, ETF issuers, and market makers – Why ETFs can be tax effective for high-income earners – Construction rules for HYLD: consensus dividend estimates plus market-based signals – Avoiding stale data and dividend traps (examples: AMP, Star Entertainment) – Filters: yield >12%, worst momentum, and risk-adjusted yield exclusions – HYLD’s current yield vs. the broad market – Turnover and its impact on tax efficiency – Why HYLD pays monthly distributions – Core vs. satellite ETF use cases – Comparing HYLD to bonds and other dividend ETFs Resources for this episode NEW: Betashares High Yield Shares ETFCam's article on dividend traps ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler 📊 Get 50% off your first two months using PocketSmith – https://bit.ly/R-PocketSmith 📈 View Betashares full range of funds – https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services – https://bit.ly/R-services 📋 Learn about Rask Financial Planning – https://bit.ly/R-plan 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access Show Notes – https://bit.ly/R-notes ❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest – https://www.instagram.com/rask.invest/ TikTok: @rask.invest – https://www.tiktok.com/@rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices
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    46 mins
  • Is A300 the new VAS? HYLD launches, furniture flippin' & couples investing
    Aug 14 2025
    A300 and HYLD, Trash Finds, Tax Time, IPO Secrets & Rate Cuts – We cover it all this week! In this episode of the Australian Finance Podcast, Owen and Gemma are back for your weekly Q&A and answering your questions on: Should I be doing anything with the new interest rate drop? Will my rate automatically change? - How does someone invest in a company prior to its IPO? - Is it better to invest as a couple or separately? - I’m in my 40s, new to Australia. What should be my strategy to increase super? - Flipping trash- When is it a hobby vs a business? - Plus they chat about the newest ETFs to hit the market… A300 and HYLD. Don’t forget to subscribe on Apple, Spotify, YouTube or wherever you get your podcasts. And send in your questions via the link below. Resources for this episode - Sign up for the Ladies Finance Club Online summit- https://www.ladiesfinanceclub.com/online-wealth-summit-2025 - PreSales for Gemma’s book The Money Reset- https://amzn.to/42Uz0aK - Ask a question (select the Finance podcast): https://bit.ly/R-quest ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds: https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan Invest with us: https://bit.ly/R-invest Access Show Notes: https://bit.ly/R-notes Ask a question: https://bit.ly/R-quest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices
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    36 mins
  • Money Wins, Zero Spend–5 Free Resources You Need
    Aug 13 2025
    In this bonus episode of the Australian Finance Podcast, Gemma’s flying solo to bring you her top 5 free (yes, free!) Rask resources that can help you get on top of your money, build confidence, and take real action—without spending a cent. From free courses to tools and downloads, these are perfect whether you’re just starting out or ready to refine your money game. No fluff, just the good stuff. Podcasts https://www.raskmedia.com.au/podcasts/ Courses https://education.rask.com.au/ Community https://community.rask.com.au/users/login 15 min chat- https://calendly.com/gemma-rask/quick-chat-rask Got a question for our friday Q&A sessions? Ask a question (select the Finance podcast): https://bit.ly/R-quest ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds: https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan Invest with us: https://bit.ly/R-invest Access Show Notes: https://bit.ly/R-notes Ask a question: https://bit.ly/R-quest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices
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    12 mins
  • Money moves from your 20s to 60s
    Aug 11 2025
    In this episode, Pete Wargent from the Australian Property Podcast and Gemma Mitchell from the Australian Finance Podcast join forces to bring you a special episode on what to focus on financially at every age and stage of life. From your 20s to your 60s and beyond, they talk tips and traps for every stage. From buying a house, to investing and when you should be paying attention to super- we are covering: What should we be focusing on at different ages Investing vs paying down debt at different stages Tips and traps for different ages Keen to hear more? Check out our other episodes on the Australian Finance Podcast. Want property tips? make sure you check out other episodes of the Australian Property Podcast. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Rask Resources Pete's Buyers Agency: https://www.allenwargent.com.au PreSales for Gemma’s book The Money Reset- https://amzn.to/42Uz0aK Amy Lunardi Buyers Agency (Melbourne) www.amylunardi.com.au Alcove mortgage broking: https://www.raskmedia.com.au/services/mortgage-broking All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan Invest with us: https://bit.ly/R-invest Access Show Notes: https://bit.ly/R-notes Ask a question: https://bit.ly/R-quest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices
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    45 mins
  • Investment Hacks & Financial Hot Takes- Rapid Fire Q&A
    Aug 7 2025
    Investment hacks, AI fears, Debt recycling, family trusts & whether you really need VAS – there is a lot packed into this one! In this episode of the Australian Finance Podcast, Owen and Gemma are back for your weekly Q&A and answering your questions on: - Why some people invest through bucket companies- If you actually need a lot of money to see a financial adviser - What to do once you’ve fully debt recycled your home loan - Whether fees in your super are tax-deductible- Is it still worth having a family trust if it’s not saving you tax (yet)?- And how to clean up your financial life if it feels like a mess Don’t forget to subscribe on Apple, Spotify, YouTube or wherever you get your podcasts. And send in your questions via the link below. Chapters (approximate) 00:00 Introduction 04:15 Investment Bonds: Are They Worth It? 07:17 Understanding Bucket Companies and Tax Strategies 10:18 Building Wealth on an Average Income 13:03 Active vs Passive ETFs: What You Need to Know 16:16 The ASX 200: How Are Companies Selected? 19:44 Understanding the ASX 200 21:53 The Value of Financial Advisors 23:29 When to Seek Financial Advice 25:40 Portfolio Construction: Soulpats vs. ETFs 27:08 Superannuation Fees and Tax Deductions 31:06 The Role of Family Trusts 35:55 AI's Impact on Society 37:57 Debt Recycling Strategies 40:14 Cleaning Up Your Finances Resources for this episode - Sign up for the Ladies Finance Club Online summit- https://www.ladiesfinanceclub.com/online-wealth-summit-2025 - Epiosde- Family Trusts: https://youtu.be/wLBybwjbHBc?feature=shared - Get Rich Quick episode- https://youtu.be/ApxQv4ddRqk?feature=shared - Books we recommended: Emma Edwards Good with Money. Victoria Vivente Know Your Worth. Queenie Tan The Fun Finance Formula - PreSales for Gemma’s book The Money Reset- https://amzn.to/42Uz0aK - Ask a question (select the Finance podcast): https://bit.ly/R-quest ~~ Show partner resources ~~ Join Pearler using code “RASK” for $15 of Pearler Credit: https://bit.ly/Pearler Get 50% off your first two months using PocketSmith: https://bit.ly/R-PocketSmith View Betashares range of funds: https://bit.ly/beta-25 ~~ Rask resources ~~ All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan Invest with us: https://bit.ly/R-invest Access Show Notes: https://bit.ly/R-notes Ask a question: https://bit.ly/R-quest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices
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    47 mins
  • How to get rich in Australia: no fluff, just strategy
    Aug 6 2025
    In this tongue-in-cheek solo episode of The Australian Finance Podcast, your host Owen Rask breaks down how to build wealth in Australia — the right way. Forget get-rich-quick schemes. Owen shares his personal philosophy and five practical steps to reach your first $100k fast, then explains how to turn that into a million dollars (and beyond). He draws inspiration from Charlie Munger, Queenie Tan, and the concept of the “cashflow quadrant” to help listeners structure their financial journey through saving, side hustles, smart property strategy, and good investing habits. If you like this episode of The Australian Finance Podcast, subscribe for free on Apple (https://podcasts.apple.com/au/podcast/australian-finance-podcast/id1454193127), Spotify (https://open.spotify.com/show/0KEsqdQgVCL6BKomPoNVOz), YouTube (https://www.youtube.com/channel/UCvOPFdkhCBIK2Y5QbDtOZXA), or wherever you get your podcasts! Follow us on Instagram (https://www.instagram.com/rask.invest/) and TikTok (https://www.tiktok.com/@rask.invest) for more insights. Topics Covered – Why “get rich quick” is a myth – Charlie Munger: Why the first $100k is the hardest – Queenie Tan explains compounding from $100k to $1m – 5 ways to reach $100,000 fast Free financial education Hard work + saving Creative side hustles Having high levels of personal agency Focus + career specialisation – Using the Cashflow Quadrant: PAYG → Contractor → Business Owner → Investor – Why buying a property first can unlock faster wealth – Debt recycling strategy: property + shares = turbocharged – Why millionaires have 7 income streams – How to invest reliably (not speculatively) – Surrounding yourself with ambitious people – Taking full responsibility for your money Resources for this episode 📊 Rask’s free ETF Investing Course – https://education.rask.com.au 📋 Learn about Rask Financial Planning - https://bit.ly/R-plan 🔗 Explore all Rask services - https://bit.ly/R-services 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access Show Notes - https://bit.ly/R-notes ❓ Ask a question - just select the Finance Podcast - https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest - https://www.instagram.com/rask.invest/ TikTok: @rask.invest - https://www.tiktok.com/@rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) - https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices
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    23 mins
  • How defined income ETFs can give your portfolio certainty
    Aug 4 2025
    In this Australian Finance Podcast episode, your host Owen Rask sits down with Cameron Gleeson from Betashares to explore how defined income ETFs can provide greater certainty for income-seeking investors. In this conversation, they unpack: – What defined income ETFs are and how they work – The difference between traditional bond ETFs and fixed-term ETFs – How ETFs like 28BB, 29BB and 30BB offer fixed maturity dates and steady distributions – Why these ETFs are gaining attention in a falling interest rate environment – How defined income ETFs compare to term deposits If you like this Australian Finance Podcast episode on generating reliable income from ETFs, be sure to subscribe for more expert insights on Apple, Spotify, YouTube, or wherever you get your podcasts! Follow us on Instagram and TikTok for more investing tips. Topics Covered – What is Defined Income? – The Need for Predictable Income in Today’s Market – Traditional Bond ETFs vs Defined Income ETFs – How Fixed-Term ETFs Like 28BB, 29BB, 30BB Work – Understanding Yield to Maturity and Monthly Distributions – ETF Liquidity and Exit Options Before Maturity – Capital Certainty: Why This Matters to Investors – Use Cases for Retirees, Savers, and Term Deposit Alternatives – The Role of AAA (Cash ETF) and OZBD in a Defensive Portfolio – How to Blend Fixed-Term ETFs into Your Strategy – Risks, Credit Quality, and RBA Rate Cuts – What Happens at Maturity and Rolling to New Series Resources for this episode Ask a question – just select the Finance Podcast – https://bit.ly/R-quest ~~ Show partner resources ~~ 💰 Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler 📊 Get 50% off your first two months using PocketSmith – https://bit.ly/R-PocketSmith 📈 View Betashares full range of funds – https://bit.ly/beta-25 ~~ Rask resources ~~ 🔗 Explore all Rask services – https://bit.ly/R-services 📋 Learn about Rask Financial Planning – https://bit.ly/R-plan 📈 Start investing with Rask – https://bit.ly/R-invest 📜 Access Show Notes – https://bit.ly/R-notes ❓ Ask a question – just select the Finance Podcast – https://bit.ly/R-quest 📲 Follow us on social media: Instagram: @rask.invest – https://www.instagram.com/rask.invest/ TikTok: @rask.invest – https://www.tiktok.com/@rask.invest DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it. If you’re unsure, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) – https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices
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    30 mins