5 ways to grow your super (AustralianSuper & HostPlus)
In this episode of The Australian Finance Podcast, Owen Rask shares 5 essential ways to boost your superannuation fast. From choosing the right investment option to understanding fees and insurance, this solo episode helps you take charge of your retirement savings.
Covered in this episode:
– The most misunderstood part of super funds
– Why your investment option is more important than your super provider
– How fees can destroy your retirement balance
– Smart ways to contribute more to super
– The $500 government co-contribution rule
– Why insurance might be eating into your super
– Real-life examples comparing fees and returns
– How to structure your portfolio as you get older
If you want to maximise your retirement savings and get clarity on your super, this episode is for you.
Subscribe to The Australian Finance Podcast on Apple, Spotify, YouTube or wherever you get your podcasts:
👉 Apple: https://podcasts.apple.com/au/podcast/australian-finance-podcast/id1454193127
👉 Spotify: https://open.spotify.com/show/0KEsqdQgVCL6BKomPoNVOz
👉 YouTube: https://www.youtube.com/channel/UCvOPFdkhCBIK2Y5QbDtOZXA
Follow us on Instagram (https://www.instagram.com/rask.invest/) and TikTok (https://www.tiktok.com/@rask.invest) for more investing insights.
Topics Covered
– The #1 mistake people make with super
– Super fund fees: admin + investment
– Investment options inside super funds
– Why high fees don’t always mean high returns
– Hostplus vs AustralianSuper fee examples
– Comparing returns: indexed vs balanced
– The 4% Rule and how it applies to super
– Concessional contributions: up to $30,000/year
– Catch-up contributions for balances under $500k
– Government co-contributions for incomes <$62,488
– Insurance inside super: life, TPD, income protection
– Why you should review your insurance before switching funds
– The hidden cost of paying insurance from your super
– How to structure your super as you age
– The most powerful step: review your fees & investments today
~~ 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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25:16
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25:16
Queenie tan on making money fun and reaching $1m net worth
In this episode of the Australian Finance Podcast, Owen Rask chats with Queenie Tan – finance creator, new author, and founder of the budgeting app Billroo.
They explore:
– The money stories Queenie learned from her parents
– Why she believes finance should be fun and balanced
– How she built a $1 million net worth over 10 years
– Launching a successful fintech startup
– Her three-part budgeting framework: foundation, fun, and freedom
– Tips for reflecting on your money mindset
– How she uses “mini retirements” to enjoy life now
– What she means by ETFs being like lolly bags 🍬
If you’ve ever struggled to find joy in budgeting or felt torn between saving and spending, Queenie’s advice is a must-listen.
Subscribe for weekly episodes via Apple, Spotify, YouTube, or your favorite podcast app.
Follow us on Instagram and TikTok for more money insights.
Topics Covered
– Queenie’s early money experiences and her parents’ financial values
– When she first got excited about saving and investing
– Building her first $100k (and then $1m net worth!)
– How money mindsets are shaped by childhood
– “Shadow self” concept and how it influences spending
– Launching Billroo: Queenie’s budgeting tool
– The 3Fs budgeting method: foundation, fun, freedom
– Mini retirements and building a life you don’t need to escape from
– Why Queenie says ETFs are like lolly bags 🍭
Resources for this episode
📘 Pre-order Queenie’s new book “The Fun Finance Formula”: https://www.investwithqueenie.com/the-fun-finance-formula/
📲 Follow Queenie on Instagram: https://www.instagram.com/investwithqueenie/?hl=en
🌐 Learn more at Queenie’s website: https://www.investwithqueenie.com/
💰 Try Queenie’s budgeting app: https://www.billroo.com/
📈 Take our free course: financial independence in Australia – https://bit.ly/R-FIRE 📋 Learn about Rask money coaching – https://bit.ly/R-coach
📲 Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest
DISCLAIMER This podcast contains general financial information only. It does not take into account your objectives, financial situation or needs. Always consider if the information is appropriate to your personal circumstances and seek advice from a licensed financial planner.
The Rask Group is not a qualified tax agent or financial adviser. Access our Financial Services Guide (FSG) – https://www.rask.com.au/fsg
Learn more about your ad choices. Visit megaphone.fm/adchoices
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43:23
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43:23
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
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/
~~
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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