Dev is joined by mortgage broker Rachelle Kroon from Sphere Home Loans to answer common lending questions from healthcare workers. They dive into:

👉 the pre-approval process

👉🏽 how to navigate lending with variable income

👉🏼 what to know before taking parental leave or a fellowship

👉🏿 special lending benefits for healthcare professionals

👉🏻 why cross-collateralisation can limit flexibility

👉🏾 how interest rate cuts impact borrowing capacity

Learn more about Sphere Home Loans here: http://spherehomeloans.com.au/

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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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In today's episode Dev explains the concept of strategic asset allocation and touches on:

👉🏾 what it is

👉🏿 the 4 main asset classes

👉🏻 target allocation factors

👉 risk tolerance

👉🏼 investment horizon

👉🏽 return objectives and expectations

Related episodes 🎧 440 sequence of returns risk & how it affects your retirement: Apple | Spotify

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 changes to superannuation that you need to know come 1 July 2025. He covers:

👉🏾 carry forward contributions

👉🏿 minimum pension drawdown

👉🏻 superannuation guarantee increase to 12%

👉 transfer balance cap

👉🏼 defined benefit income caps

Related episodes:

231 superannuation part 1 - Apple | Spotify

232 superannuation part 2 - Apple | Spotify

233 superannuation part 3 - Apple | Spotify

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.