In this Australian Finance Podcast Q&A episode, Owen Rask and financial planner Alex Luck (from Everest Wealth Group) answer your burning money questions. Tune in to hear them break down:

– Whether paying off your HECS debt early is a smart move

– The difference between managed funds and ETFs

– Stepped vs level insurance premiums explained

– Renting out your home without triggering CGT

– The proposed $3 million super tax (Division 296) and why it matters

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Topics Covered

– Should you make voluntary HECS repayments?

– How HECS debt affects borrowing capacity

– Managed funds vs ETFs: key differences

– What is a stepped insurance premium vs a level premium?

– Should you rent out your home short term?

– How the 6-year CGT rule works

– What is the $3 million super tax (Division 296)?

– Why taxing unrealised gains is so controversial

– Long-term implications for young Australians’ super

– Tips for getting qualified tax and financial advice

Resources for this episode 📄 FIRE: 10 things activity – Download PDF 🏢 Get financial advice from Everest Wealth Group

~~ Show partner resources ~~

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~~ 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

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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

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