Continuing on from last week's episode, Dev and Dr James* go deeper discussing boundaries in small communities, navigating burnout, and how rural doctors approach money, cost of living and investing while working in isolated areas. They chat about:

👉🏻 living and working in a tight-knit town

👉 boundaries with neighbours and patients

👉🏼 isolation, guilt and burnout risks

👉🏾 cost of living & lifestyle differences

👉🏽 workforce incentives and income realities

👉🏿 how James invests and builds wealth long-term

*Name changed for privacy

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

To chat with a professional and get help about your situation, 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 authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

In today's episode Dev chats with rural GP Dr James* about why he chose to build his career outside the city. They explore the training pathway, the realities of rural medicine and the unique pros and cons of life as a country doctor. They touch on:

👉🏽 why James chose rural over metro

👉 the Dean’s Rural List & training pathway

👉🏾 what a “rural generalist” actually is

👉🏿 biggest clinical challenges in remote settings

👉🏻 why patients can be more appreciative

👉🏼 pros, cons and common misconceptions

*Name changed for privacy

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

To chat with a professional and get help about your situation, 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 authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

In today’s episode Dev unpacks the habits of the quiet wealthy, the people building real wealth without flexing a flashy lifestyle. He covers:

👉🏾 what is income?

👉🏿 what is wealth & what does quiet wealth mean?

👉🏻 habit 1 - building relationships

👉 habit 2 - understanding the difference between income and wealth

👉🏼 habit 3 - playing the long game

👉🏽 habit 4 - avoiding lifestyle creep

👉🏾 habit 5 - consuming quality information

👉🏿 habit 6 - valuing boring and repetitive

👉🏻 habit 7 - understanding risk & reward

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

To chat with a professional and get help about your situation, 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 authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

In this episode, Dev chats with Dr Chris Sia about the journey of building Telecare - its early days, scaling operations, selling the business, and what now. They unpack:

👉🏾 how Telecare began and the early challenges

👉🏼 how the pandemic accelerated growth and demand

👉🏿 what the business model looks like today

👉 managing full-time work while running a startup

👉🏻 how they scaled and built a strong team

👉🏾 what it took to sell the business

👉🏿 what’s next for Dr Chris Sia and the Telecare team

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

To chat with a professional and get help about your situation, 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 authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

In today's episode Dev unpacks private lending, touching on:

👉🏾 what it is and how it works

👉🏿 how big is the market?

👉🏻 reasons why someone might borrow using private credit

👉 it's benefits

👉🏼 it's risks

👉🏽 different types of private credit

👉🏾 and how people can get access to it

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

To chat with a professional and get help about your situation, 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 authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

In the second half of this conversation, Kabhir* shares how he’s building a life and career in Australia as an international medical graduate (IMG), touching on:

👉🏾 integrating into Aussie culture and language

👉 balancing ED shifts with general practice

👉🏿 the reality of GP income vs hospital perks

👉🏻 navigating permanent residency and citizenship

👉🏼 buying a first home and smart money tips for IMGs

*Name changed for privacy

Health Workforce Locator: https://www.health.gov.au/resources/apps-and-tools/health-workforce-locator/app

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

To chat with a professional and get help about your situation, 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 authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

In this first half of a two-part chat, Dev speaks with Kabhir* a doctor who migrated from Pakistan to Australia as an international medical graduate (IMG). Kabhir shares how he:

👉🏾 trained and specialised in neurosurgery in Pakistan

👉🏽 prepared for and passed the AMC exams

👉🏿 navigated visas, registration and job offers

👉🏻 compared working hours, pay and lifestyle between Pakistan and Australia

👉 managed the “downgrade” from registrar at home to starting over here

*Name changed for privacy

Health Workforce Locator: https://www.health.gov.au/resources/apps-and-tools/health-workforce-locator/app

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

To chat with a professional and get help about your situation, 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 authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

Lifestyle creep happens when your spending quietly grows with your income. In this episode, Dev unpacks what it is and practical ways to keep it under control, touching on:

👉🏾 what is lifestyle creep?

👉🏿 what age group does lifestyle creep usually affect more

👉🏻 why is it dangerous?

👉 ways to reduce the risk of lifestyle creep

Related episodes 🎧 530 what is opportunity cost? Apple Podcast | Spotify

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

To chat with a professional and get help about your situation, 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 authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

In part 2 of this special 2-part series, Dev continues the conversation with JL Collins - author of The Simple Path to Wealth - digging into the mindset and mechanics of building financial independence that lasts a lifetime. They discuss:

👉🏻 stock series vs the book - which one should you read first?

👉🏽 why market crashes are a gift when you’re building wealth

👉🏿 dividends, buybacks & what makes an asset truly productive

👉 asset allocation, bonds & sequence risk in retirement

👉🏻 ETFs vs mutual funds, does it really matter?

👉🏼 JL’s story of receiving an email from Vanguard founder, Jack Bogle

👉🏽 thoughts on legacy wealth & passing money to the next generation 

👉🏿 the famous “F U money” clip & what it really means

Get JL's book, The Simple Path to Wealth (Revised & Expanded 2025 Edition): https://amzn.to/4mB3JlI

JL's website: https://jlcollinsnh.com

JL's famous stock series: https://jlcollinsnh.com/stock-series/

JL's famous google talk: https://www.youtube.com/watch?v=T71ibcZAX3I

JL in the "Playing with Fire" documentary: https://www.youtube.com/watch?v=GTqGEh1IQew

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

To chat with a professional and get help about your situation, 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 authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

In this first half of a 2-part conversation, Dev sits down with JL Collins the author of The Simple Path to Wealth to explore his updated edition and the timeless principles of financial independence. JL shares his journey from selling fly swatters at age 8 to shaping one of the most influential voices in FIRE. They talk about:

👉🏾 why living below your means is harder than it looks

👉🏼 the cultural obsession with housing and why your home isn’t an “investment”

👉🏿 JL’s strong views on debt and the dangers of leverage

👉🏻 why index funds outperform active investing for most people

👉 dollar cost averaging - why JL challenges the usual advice

Get JL's book, The Simple Path to Wealth (Revised & Expanded 2025 Edition): https://amzn.to/4mB3JlI

JL's website: https://jlcollinsnh.com

JL's famous stock series: https://jlcollinsnh.com/stock-series/

JL's famous google talk: https://www.youtube.com/watch?v=T71ibcZAX3I

JL in the "Playing with Fire" documentary: https://www.youtube.com/watch?v=GTqGEh1IQew

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

To chat with a professional and get help about your situation, 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 authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

In today's episode, Dev explains what depreciation is, how it works and how it can save you on tax, particularly if you own a property or run a business. He covers:

👉🏾 what is depreciation?

👉🏿 types of depreciating assets

👉🏻 why it's so important

👉 concepts within depreciation

👉🏼 the two methods - prime cost & diminishing value

👉🏽 and practical examples using these methods

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

To chat with a professional and get help about your situation, 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 authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

Today's episode is the second half of Dev's chat with Vince Scully from Life Sherpa (listen to last week's episode for part 1!), where Dev and Vince discuss:

👉🏻 should you make non concessional contributions or invest outside super?

👉 the div 296 tax

👉🏼 how much do you need in retirement

Check out Dev's episode on Div 296 here: Apple Podcast | Spotify

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

To chat with a professional and get help about your situation, 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 authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

In this 2 part chat, Dev is joined by Vince Scully from Life Sherpa to unpack your questions. In part 1 they touch on:

👉🏿 pay off mortgage vs invest vs super 

👉🏻 using debt recycling

👉 buying a car with cash or a car loan

👉🏼 should you pay off or leave your HECS/HELP debt

Article - Should you buy a car with cash or car loan: https://lifesherpa.com.au/articles/why-paying-cash-for-your-car-is-wrong

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

To chat with a professional and get help about your situation, 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 authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

Capital gains tax aka CGT - let's talk about it! Dev unpacks:

👉🏿 what is a capital gain + short vs long term gain

👉🏻 what is capital gains tax

👉 exemptions

👉🏼 what are personal use items?

👉🏾 how does joint ownership affect CGT

👉🏽 what is cost base

👉🏻 examples of CGT calculations

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

To chat with a professional and get help about your situation, 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 authorised representative of Money Sherpa PTY LTD, which holds financial services license 451289. To download the financial services guide, please visit: https://moneymoneymoney.squarespace.com/s/FSG-Dev-Raga-Personal-Finance-August-2025.pdf

Hosted on Acast. See acast.com/privacy for more information.

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 insurances? Head to https://skye.com.au

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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.

Hosted on Acast. See acast.com/privacy for more information.

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 insurances? Head to https://skye.com.au

We hate email spam so we don’t 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.

Hosted on Acast. See acast.com/privacy for more information.

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

We hate email spam so we don’t 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.

Hosted on Acast. See acast.com/privacy for more information.

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.

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=DojiE3N4sdK27qeC

Great advice for aspiring investors - How a Second Grader Beats Wall Street by Allan Roth: https://amzn.to/44kJceJ

Big picture on investing - The Birth of Plenty by William J Bernstein: https://amzn.to/3GmYExw

Investing cautionary tales - Devil Take the Hindmost by Edward Chancellor: https://amzn.to/44HPrZZ

We hate email spam so we don’t create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.

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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.

Hosted on Acast. See acast.com/privacy for more information.

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 borrowing capacity

Learn more about Sphere Home Loans here: http://spherehomeloans.com.au/

We hate email spam so we don’t 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.

Hosted on Acast. See acast.com/privacy for more information.

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

We hate email spam so we don’t 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.

Hosted on Acast. See acast.com/privacy for more information.