Smart money moves in your 20s: Property, investing & the First Home Super Saver
In this Australian Finance Podcast episode, your hosts Owen Rask and James from Rask discuss key decisions 20-somethings face when starting their money journey.
Chapters (approximate)
(00:00) Introduction
(03:29) Transitioning Careers: From Retail to Financial Planning
(06:43) Listener Q&A
(08:12) What to Look Out For When Investing
(16:08) Should I Invest in Property or ETFs?
(26:24) First Home Super Saver Scheme Explained
(32:06) Financial Preparation for Starting a Family
(35:13) James' Best Investment
They cover:
– Whether to buy a one-bed apartment or start investing in ETFs
– How the First Home Super Saver Scheme (FHSSS) works
– Planning financially for a career change
– The impact of financial advice and creating buffers
– Lessons from James' own financial transition journey
If you like this Australian Finance Podcast episode on navigating your 20s, 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
– James’ journey: from retail to financial planner
– How to plan financially for a career change
– Emergency funds and budgeting during a transition
– What is the First Home Super Saver Scheme?
– Is 7% deemed return from FHSSS worth it?
– Should I buy a 1-bed apartment or invest first?
– Why some apartments don’t go up in value
– How household income affects home buying options
– The long-term benefits of ETF investing
– Why “rent money is not dead money”
– Financial planning for starting a family
– Building buffers and mapping your income gap
– James’ best investment (surprising!)
Resources for this episode
– Ask a question – just select the Finance Podcast
~~ 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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41:10
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41:10
3 US companies I’d love to own (but don’t yet!)
In this episode of The Australian Finance Podcast, Owen Rask shares three standout US companies he’d love to own — but doesn’t… yet.
He breaks down:
– Why Costco is a masterclass in customer loyalty and value
– How Intuitive Surgical is leading the robotic surgery revolution
– Why American Express continues to be a financial powerhouse
Owen explores each company’s business model, growth, and competitive edge — and explains why he’s watching from the sidelines (for now).
If you enjoy this type of stock analysis, be sure to subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you listen.
Follow us on Instagram and TikTok for daily finance insights.
Topics Covered
– Why most great companies aren’t the ones you see in headlines
– Company breakdown: Costco (COST)
– Costco’s secret sauce: value, efficiency, and hot dogs?!
– Company breakdown: Intuitive Surgical (ISRG)
– How robots are transforming modern surgery
– Moats, margins, and machine sales: why ISRG dominates
– Company breakdown: American Express (AXP)
– How AmEx thrives despite high fees and competition
– Warren Buffett’s $41B bet on AXP
– Why valuation still matters (and what Owen’s waiting for)
– Watchlist investing: when great companies are too expensive
– ETFs vs individual stocks: what Owen prefers
~~ 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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19:28
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19:28
Betashares founder Alex Vynokur: from zero to $50 billion & beyond
In this episode of The Australian Finance Podcast, your host Owen Rask chats with Alex Vynokur, founder and CEO of Betashares. Together, they explore:
– How Alex started Betashares (mortgaging his home and starting a family)
– Why he believes investing must become easier and more engaging
– How Betashares Direct and tech are democratising access to wealth
– Insights on leadership, culture, superannuation, and financial education
If you like this Australian Finance Podcast episode on the evolution of ETFs and personal finance, you'll love our weekly episodes. Don’t forget to subscribe on Apple, Spotify, YouTube, or wherever you get your podcasts!
Follow us on Instagram and TikTok for more investing insights.
Topics Covered
– The origin story of Betashares
– Challenges and personal risks Alex faced starting out
– How feedback and humility shape product development
– Key product success stories (like NDQ, QUS)
– Lessons learned from mistakes and product changes
– The role of Betashares Direct in long-term investing
– Open architecture & reducing friction for investors
– Why superannuation must evolve & be owned
– Trends in housing, investing & retirement wealth
– Betashares’ cultural values and leadership style
– Financial education as a pillar of growth
Resources for this episode
📄 Learn more about Betashares Direct:
https://www.betashares.com.au/direct
~~ 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
📄 Explore Betashares’ 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 – 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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42:47
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42:47
Why property in super might be a trap: SMSFs explained [triple treat]
Triple treat!
In this Australian Finance Podcast episode, your hosts Owen Rask, Drew Meredith, and James O’Reilly dig into the idea of using a self-managed super fund (SMSF) to buy property. They explore:
– Buying property inside your super using an SMSF
– Why the numbers often don't stack up
– Alternative strategies that outperform
– The appeal (and reality) of property in retirement portfolios
If you liked this Australian Finance Podcast episode on SMSFs and property, be sure to subscribe for new episodes every Monday and Friday on Apple, Spotify, or YouTube!
Ask a question – just select the Investors (or Finance) Podcast – https://bit.ly/R-quest
Northeast Wealth: https://www.northeastwealth.com.au/
Wattle Partners: https://www.wattlepartners.com.au/
Australian Retirement Podcast: https://www.raskmedia.com.au/podcasts/australian-retirement-podcast/
Follow us on Instagram and TikTok for more investing insights.
Topics Covered
– How SMSFs really work when you want to buy property
– The actual numbers vs the spruiker pitch
– Why most investors are better off in high-growth or geared super
– How advisers think about control, flexibility & property myths
Chapters
– Introduction
– James' EOFY Experience
– Drew's EOFY Experience
– Investments Over or Under?
– GOLD Stock
– Percentage Change in Median Property Values
– Meta Superintelligence Lab
– Hamish Douglas on Index Funds Collapsing
– Apple Researchers on Reasoning Models
– Using Super to Invest in Residential Property
– Will the Government Change Negative Gearing?
– How Money Deposited in Super is Taxed
– Well-Rounded Financial Advisers
– Our Thoughts on BYD
– Drew's Dad Joke
Resources for This Episode
– Ask a question – just select the Finance Podcast
~~ Rask Resources ~~
🔗 Explore all Rask services – https://bit.ly/R-services
📋 Get 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. You should consider if the information is appropriate for your situation before acting on it.
If you’re unsure, consult a licensed financial planner. The Rask Group is NOT a qualified tax accountant, financial adviser, or tax professional. You can access The Rask Group’s Financial Services Guide (FSG) here: https://www.rask.com.au/fsg.
Learn more about your ad choices. Visit megaphone.fm/adchoices
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1:15:55
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1:15:55
Three ASX shares for exciting growth: ResMed, GenTrack & Pinnacle
In this Australian Finance Podcast episode, Owen Rask is joined by Ryan Newman, Director of Research at The Motley Fool Australia, to discuss three ASX companies with exciting growth potential. They explore:
– How Ryan finds great companies
– What makes ResMed a global health leader
– Why GenTrack is disrupting utilities and airports
– How Pinnacle structures its boutique funds for success
If you enjoyed this chat about ASX growth shares, be sure to subscribe on Apple Podcasts, Spotify, YouTube, or wherever you get your podcasts for weekly investing insights!
– Subscribe on Apple
– Subscribe on Spotify
– Subscribe on YouTube
– Follow us on Instagram
– Follow us on TikTok
Topics Covered
– Why Ryan Newman loves stock investing
– Mistakes and successes from Ryan’s investing journey
– How to research companies like a pro
– ResMed (ASX: RMD): Sleep apnea and health megatrends
– GenTrack (ASX: GTK): Software for utilities and airports
– Pinnacle Investment (ASX: PNI): Income from boutique fund ownership
– What to look for in a long-term growth business
– How optionality and business model strength play into returns
– Why patience and understanding your thesis are key
Resources for this episode
Ask a question (select the Finance podcast)
~~ 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
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.
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