Australian Finance Podcast

In this Friday episode of The Australian Finance Podcast, Owen Rask and Gemma Mitchell unpack your questions on mortgages, investing, relationships and ETF risk. This week we dive into how to think about fixed versus variable interest rates, why couples so often clash over money, and what really happens if a fund manager, ETF provider or broker were to fail. We also take a closer look at geared ETFs and why some products are designed for super funds rather than personal portfolios, plus a practical explainer on how ETF ownership actually works behind the scenes. Owen and Gemma cover - How to think about fixing your mortgage rate versus staying variable, why people choose different options, and the real trade-offs involved rather than trying to “pick the perfect time” - Why money conversations with your partner so often turn into arguments, and practical ways to get on the same page without it becoming a values or control battle - What geared ETFs like GHHF are, why they’re often suggested for SMSFs, and the risks and tax reasons they’re usually not recommended for individuals outside super - What would happen if Vanguard were to go broke, how ETF structures protect investors, and whether spreading money across multiple ETF providers actually reduces risk - How brokerage platforms like Pearler hold your investments, what happens if a broker fails, and why your ETFs don’t simply disappear if a platform shuts down If you like this episode of The Australian Finance Podcast, make sure you hit follow on Apple, Spotify, YouTube or wherever you get your podcasts. And don’t forget to send in your questions for future Q&As using the link in the show notes. Resources for this episode - Sign up for the newsletter - Sign up for Rask Core - Buy Gemma’s book The Money Reset - Ask a question (select the Finance podcast) Show partner resources - Join Pearler using code “RASK” for $15 of Pearler Credit - Get 50% off your first two months using PocketSmith - View Betashares range of funds Rask resources - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question 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 #finance #asx Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Australian Finance Podcast, Owen Rask sits down with finance journalist and author Chris Kohler to discuss the systems designed to separate Australians from their money – and what you can do to protect yourself. They cover – The psychological tricks behind modern consumerism – Chris’s viral interest rate videos and their surprising impact – How businesses subtly extract more from your wallet – The hidden cost of convenience – Why loyalty isn’t always rewarding This conversation is full of insights for anyone looking to take back control of their spending and think critically about modern money systems. If you like this Australian Finance Podcast episode, don’t forget to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you get your podcasts. Topics Covered – Chris Kohler’s media and finance journey – Going viral: How humour made economics click – Behind the scenes of his creative process – What inspired his new book: “They Get You” – Psychological levers used by marketers – Loyalty programs: Who benefits most? – The dangerous normalisation of gambling – How data is used to drive spending – Subscription creep & the illusion of value – What you can do to fight back – Why it’s never too late to become financially aware – Chris’s advice to his younger self – How the “little guy” can regain control Resources for this episode: - Find Chris on Instagram - Find Chris on TikTok - Buy How They Get You - Buy Gemma’s book “The Money Reset” - Ask a question (select the Finance podcast) Show partner resources: - Join Pearler using code “RASK” for $15 of Pearler Credit - Get 50% off your first two months using PocketSmith - View Betashares range of funds Rask resources: - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question - We love feedback! 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 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) Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, your host Gemma is joined by Roxanne Calder — recruitment expert and author of the new book Earning Power. With 25 years of experience across Australia, the UK, Singapore, and Hong Kong, Roxanne brings a wealth of insight into building careers and boosting income. Her latest book is packed with inspiring stories and practical strategies to help close the gender pay gap — but the lessons go well beyond that. No matter your gender, Roxanne’s “million-dollar formula” and career advice will give you tools to level up your earning power and take control of your financial future. In this episode we cover: – Why the gender pay gap could cost women over $1 million in a lifetime – Roxanne’s “million-dollar formula” for boosting earning power – Practical ways to advocate for yourself — from pay rises to career moves – Small financial and career decisions that create long-term impact – The role recruitment agencies can play in your career journey – Roxanne’s personal money lessons and one simple step you can take today to start building your earning power Resources for this episode Connect with Roxanne Buy Earning Power Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! 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 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

Ready to level up your financial life? Kate Campbell & Mitchell Sneddon share 10 different money hacks to help you maximise your finances in 2024. Remember - the small changes you make add up over time, so don’t discount those small actions you take. Resources for this episode Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! 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 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

In this episode of the Australian Finance Podcast, you'll learn how and why insurance works. Life insurance, income protection, TPD & more. Owen Rask is joined by Phil Thompson, founder of Skye Wealth, to unpack what really happens when you make an insurance claim. They go behind the scenes on: – How insurance claims actually work – What mistakes people make when trying to claim – The vital difference between "own" vs "any" occupation cover – Why you should never go straight to a lawyer when claiming – The most common issues that stop people getting paid – Real client case studies and what went right (or wrong!) If you're curious about income protection, trauma cover, life insurance, or TPD claims, this episode shows how good insurance advice can make a huge difference. Enjoying the show? Subscribe for weekly episodes on Apple, Spotify, YouTube or your favourite app. Topics Covered – What really happens when you make an insurance claim – Why people often don’t realise they’re eligible for a claim – The difference between retail vs group/super insurance – Why having an adviser at claim time can save you money – The role of the waiting period and how it affects payment – Real claim case study: Chloe’s chronic fatigue income protection win – Real claim case study: Chandler’s RSI and $1.3 million TPD cover – Real claim case study: Rebecca’s mental health claim from a workplace accident – The danger of going straight to lawyers before talking to your adviser – Own occupation vs any occupation: what’s the difference? – Why good documentation and honesty make a successful claim – What to do if you’ve had time off work or a medical condition – The risk of underinsurance and how to get help Resources for this episode Buy Gemma’s book “The Money Reset” Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! 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 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