Q&A: Salary sacrifice, first home super, and when to use credit cards
In this episode of the Australian Finance Podcast, your host Gemma Mitchell is joined by Rask Advice senior adviser Tahli Cavagnino (while Owen’s away!) to tackle your questions!
Questions answered in today's Q&A:
- What really happens when your super goes into pension mode and how the tax-free income stream works- The smart way to invest for your kids and what happens at 18 when you want to transfer the funds
- Whether you can salary sacrifice into your partner’s super, whose cap it falls under, and if it counts for the First Home Super Saver Scheme- And when a credit card can actually be a good idea for young investorsDon’t forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts – and send in your questions via the link below.
Resources for this episode
- Buy 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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28:13
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28:13
AI investing made easy: The beginner’s guide
In this Australian Finance Podcast episode, Owen Rask breaks down how investors can take advantage of the AI boom through a practical investing framework. Drawing inspiration from Geoffrey Moore’s classic book The Gorilla Game, Owen walks you through:
– The 4 types of companies to look for in high-growth industries
– Where AI is creating the most value (from chips to cloud to applications)
– Which companies are leading the AI charge
– Why ETFs can help you reduce risk and still capture long-term gains
If you like this Australian Finance Podcast episode on investing in artificial intelligence, you'll love our series. 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 is the AI investment opportunity?
– The 4 business types from The Gorilla Game: Gorillas, Kings, Chimps & Princes
– Why Nvidia, Microsoft, Alphabet & TSMC are AI “Gorillas”
– Key subsectors of AI: Compute, Networking, Cloud, Applications
– Companies to watch: Palantir, Snowflake, OpenAI, Anthropic
– AI-adjacent opportunities: Cybersecurity & Infrastructure
– Using ETFs to reduce risk and gain exposure to AI
– The benefits of “moderate gearing” through ETFs
– AI hype vs structural trends: What matters for long-term investors
– Why you need a solid “core” in your portfolio before adding AI themes
Resources
The Gorilla Game book
~~ 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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25:31
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25:31
5 ASX ETFs for a passive income portfolio
In this Australian Finance Podcast episode, your host Owen Rask is joined by Tom Wickenden from Betashares to explore the world of income-focused ETFs. In this deep-dive, they discuss:
– Why income from ETFs is more relevant than ever
– How ETF structures can provide access to monthly or quarterly income
– The difference between placing cash in an offset vs investing
– What happens in a low interest rate environment
– Strategies to blend growth and income using ETFs
Whether you're saving for financial independence, building income in retirement, or simply want your money to work harder, this episode is packed with practical ETF ideas and frameworks.
If you like this Australian Finance Podcast episode on ETF income strategies, you’ll love our other expert interviews. 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.
Resources for this episode
Resources: https://www.betashares.com.au/fund/
~~ 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 ETF range – 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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49:12
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49:12
Offset vs Investing, Helping Family with Property, and Big Lessons at 40
From whether you really need to own a home in Australia to unpacking what a re-contribution strategy is, we’re diving into your biggest money questions. In this week’s Australian Finance Podcast Q&A, Owen and Gemma cover everything from offset accounts and investment choices to buying property for family and understanding how ETF holdings work.
Plus, it’s Gemma’s birthday episode – she reflects on her biggest money lessons from four decades of life and finance.
Questions answered in today’s Q&A:
- Do you need to own a home in Australia?
- I bought my first home last year using an inheritance for the deposit. Now more than half of my loan is offset with cash, and my rate is 5.53%. With interest rates dropping, should I leave it in offset or look at investing in shares, property, or something else?- What is a re-contribution strategy and why would you use it?- I’m more of a share investor, but I’d like to help family by buying an investment property. Where’s the best place to go for help?- What’s the difference between holding my ETFs directly with BetaShares or Vanguard versus through a share registry like Computershare? And why is BetaShares prompting me to move my ETFs across?
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
- Owens webinar on 10% returns https://www.youtube.com/watch?v=XldMhJBY09Q
- Mortgage broking- https://www.raskmedia.com.au/services/mortgage-broking/
- Buy Gemma’s book The Money Reset- https://amzn.to/42Uz0aKAsk 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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50:39
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50:39
Pearler review 2025: Automate your investing & take control
In this episode of The Australian Finance Podcast, Owen Rask dives into one of our most requested topics – an updated review of Pearler in 2025.
Owen breaks down:
– What makes Pearler unique as an investing platform
– How it encourages long-term investing with less stress
– The powerful automation features now available
– Why 87% of users are choosing ETFs over stocks
– Super, US shares, and more: How Pearler is evolving
If you're looking to simplify your investing and automate your money, this episode is a must-listen. Whether you’re brand new to Pearler or already using it, you’ll find something helpful.
Subscribe for more on Apple here, Spotify here, or YouTube here!
Follow us on Instagram and TikTok for more.
Resources for this episode
pearler.com
~~ Show partner resources ~~
💰 Join Pearler using code “RASK” for $15 of Pearler Credit – https://bit.ly/Pearler
📊 Get 50% off your first two months with PocketSmith – https://bit.ly/R-PocketSmith
📈 View Betashares full range of ETFs – 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, always speak to 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.