Renting = dead money? Debt recycling for business, selling shares & wills made simple
Travel vs Property, Debt Recycling, Selling Shares & Wills – We cover it all this week! In this episode of the Australian Finance Podcast, Owen and Gemma are back for your weekly Q&A, diving into:
- Travel or buy property – which comes first?- Debt recycling (and whether it works for business).- When to sell your shares.- Making wills simple (and cheap).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
PreSales for Gemma’s book The Money Reset- https://amzn.to/42Uz0aK
First Home SUper Saver Episode - https://www.youtube.com/live/Tn8KrAF58aw?feature=shared
Owens article on when to sell- https://www.raskmedia.com.au/2023/10/31/10-reasons-to-sell-shares/
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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29:40
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29:40
10 questions to ask a mortgage broker (before buying)
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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19:44
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19:44
Inside HYLD: How Betashares built a high yield ETF
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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45:51
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45:51
Is A300 the new VAS? HYLD launches, furniture flippin' & couples investing
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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35:43
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35:43
Money Wins, Zero Spend–5 Free Resources You Need
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
The Australian Finance Podcast is your guide to sorting out your finances, one episode at a time. Owen Rask, Chief Investment Officer, & Gemma Mitchell, Senior Financial Adviser, bring you actionable strategies and knowledge that you can put into practice today. Save money, invest better and live life on your terms.
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New to the show? We recommend that you head back to our Starter Pack series of the podcast in Jan/Feb 2024, to get your head around some really important concepts! More advanced listeners might enjoy our other show, The Australian Investors Podcast.
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SHOW NOTES: https://www.raskmedia.com.au/podcasts/australian-finance-podcast/
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DISCLAIMER: The information in this podcast series is general financial information/advice only. That means, the advice 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. In addition, you should obtain and read the product disclosure statement (PDS) before making a decision to acquire a financial product. If you don’t know what your needs are, you should consult a trusted and licensed financial adviser who can provide you with personal financial product advice. Please read our Terms of Service and Financial Services Guide on www.rask.com.au/fsg.