In this episode Dev unpacks the three pillars of investing: risk, return, and volatility. He covers:

👉🏿 how to figure out your personal risk tolerance

👉🏻 why chasing high returns usually means more risk

👉 what volatility actually means (and why it’s normal)

👉🏼 what is the efficient frontier

👉🏽 how diversification helps manage risk

👉🏾 the impact of inflation on long-term returns

👉🏻 modern portfolio theory

👉🏿 why past performance isn’t a reliable guide

👉 the importance of aligning your strategy with your goals

Related episodes 🎧

228 what is modern portfolio theory? Listen on Apple | Listen on Spotify

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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.

SYMO interactive Pty Ltd trading as money money money & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services license 451289.

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Please note that this episode was recorded before the May 2025 Federal Election. In today's episode Dev unpacks the proposed Division 296 legislation which will impact super balances of $3 million and above. He touches on:

👉🏾 superannuation concepts

👉🏿 the function of super

👉🏻 what is the div 296 tax?

👉 who will it impact

👉🏼 any exceptions or special rules

You can read more about the legislation here: https://ministers.treasury.gov.au/sites/ministers.treasury.gov.au/files/2023-03/better-targeted-superannuation-concessions-factsheet_0.pdf

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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.

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 what a listed investment company is and how it works. He covers:

👉🏾 the investment options

👉🏿 management and fees

👉🏻 the difference between LICs and LITs

👉 examples of LICs

👉🏼 and their pros and cons

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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.

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 sits down with Felipe Araujo, CEO of Generation Life, to unpack everything you need to know about investment bonds. They cover:

👉🏽 what investment bonds are and how they work

👉🏼 who investment bonds are most suited to

👉🏿 tax benefits compared to investing outside a bond

👉🏻 how asset protection and estate planning features work

👉 fees, investment options, and how to withdraw funds

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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.

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 this episode, Dev sits down with Dr Carmen Brown, an American-trained OB/GYN who made the bold decision to leave the US healthcare system and start a new life and career in Australia and New Zealand. They dive into Carmen’s medical journey, the brutal realities of student debt and burnout in the US, and why Australia & New Zealand offered not just better working conditions, but a new lease on life. Carmen also shares how she built her consulting business Expat MD to help other doctors do the same. Her story touches on:

👉🏾 her med school journey

👉🏿 why Carmen decided to leave the US

👉🏻 key differences between the US and Aussie healthcare system

👉 what loan forgiveness is in the US and who's eligible

👉🏼 pay, student loans & insurance differences

👉🏽 how Expat MD helps US doctors make the move to Australia & New Zealand

Click here to learn more about Expat MD: https://www.expatmd.com/

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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.

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.

Let's talk about debt! Dev covers:

👉🏿 what is debt?

👉🏻 deductible vs non deductible debt

👉 what is debt recycling

👉🏼 the pros and cons of debt recycling

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 unpacks the concept of a doom loop, touching on:

👉🏿 what it is and how it works

👉🏻 what is a flywheel effect?

👉 the main causes

👉🏼 and how to break the doom loop

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 this episode, Dev chats with Vanessa* who is a practicing dentist and private practice owner about her 30+ year journey in dentistry. From getting into dental school to navigating staff management and overheads, Vanessa shares what it’s really like to run a dental practice and how she’s built long-term wealth along the way. *Name changed for privacy. Her journey includes:

👉🏾 getting into dental school & early career challenges

👉🏿 private vs public dentistry: work, income & opportunity

👉🏻 practice ownership, staff management & overheads

👉 profit margins, fee structures & how dentists actually get paid

👉🏼 buying her own premises & why it mattered

👉🏽 learning the business side of dentistry

👉🏾 how Vanessa invests

👉🏿 decisions around insurances, SMSF & estate planning

Episode mentioned in the chat:

Listen: 🎧 506 protecting your wealth: wills, estate planning & generational wealth (Q&A with a lawyer)

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.