Australian Investors Podcast

In this Australian Investors Podcast episode, your hosts Owen Rask (and team) sit down with Brendan Malone, CEO and Managing Director of Raiz Invest Ltd (ASX: RZI), for a strategic, no-nonsense discussion on how a scaled consumer fintech actually operates.

Together, they unpack:
– Raiz’s true business model and unit economics
– Why engagement and FUM matter more than headline customer growth
– Product strategy across Invest, Kids, Plus and Super
– AI, advice and compliance realities (not hype)
– Capital allocation, moats and leadership under ASX pressure

If you love learning about fintech, investing platforms and business fundamentals, subscribe to the Australian Investors Podcast on Apple, Spotify, or YouTube!

Follow us on Instagram (rask.invest) and TikTok (rask.invest) for more investing insights.

This is a sponsored episode of The Australian Investors Podcast, as Raiz is a long-term educational partner of Rask.

Topics Covered with Brendan from Raiz:
– Raiz’s origin story and early strategic trade-offs
– How Raiz actually makes money today
– Unit economics: ARPU, LTV, CAC and operating leverage
– Why Plus, Kids and Super are growing faster than core Invest
– Public vs private: the realities of being ASX-listed
– AI coaching vs advice and where the red lines sit
– Moats, competitive threats and capital allocation discipline
– What long-term investors should really watch

Resources for This Episode
– Raiz Invest investor centre and ASX disclosures: https://investorhub.raizinvest.com.au/
– Raiz product suite: portfolios, Super, Kids and Plus: https://raizinvest.com.au/

~~ 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 Investors 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 whether 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

#Investing #Finance #AustralianInvestorsPodcast
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In this Australian Investors Podcast episode, your host Owen Rask is joined by Luke Winchester, founder of Merewether Capital, to break down how a professional investor approaches ASX reporting season.

Together, they discuss:
– How reporting season differs from the rest of the year
– Luke’s preparation process and decision-making framework
– The idea that one key metric often drives a stock in the short to medium term
– Small and micro-cap companies Luke is watching this season

If you love learning about long-term investing and company analysis, subscribe to the Australian Investors Podcast on Apple, Spotify, or YouTube!

Follow us on Instagram and TikTok for more investing insights.

Luke shares how he applies his framework to real ASX examples, including:

– CleanSpace Technologies (ASX:CSX) – where revenue growth is the key metric driving the investment case
– Racing and Sports Technology (ASX:RTH) – with a focus on incremental margins and operating leverage

Luke explains what would make him re-rate these businesses after earnings, and how reporting season can prompt position sizing decisions.

Learn more about Mereweather:Merewether Capital monthly investor updates:

https://www.merewethercapital.com.au/

~~ 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 Investors Podcast – https://bit.ly/R-quest

📲 Follow us on social media:
– Instagram: @rask.invest
– TikTok: @rask.invest

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.

#Investing #Finance #AustralianInvestorsPodcast
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Silver just crashed 26% in THREE DAYS - from $170 to $126. Gold plummeted from $7,800 to $6,700 in a matter of days. Just last week everyone was asking Drew about adding silver to portfolios. This is why you don't chase hot thematics!

In this Australian Investors Podcast episode, Owen Rask and Drew Meredith dissect Big Tech earnings that shocked Wall Street:

Microsoft (MSFT) down 11% - Azure cloud revenue up 38% but growth slowing. Capital expenditures hit $37.5 billion (up 66%), exceeding estimates. The kicker? Net income boosted by $1.02/share from OpenAI investment, with a massive $250 billion OpenAI deal accounting for 45% of Microsoft's $625 billion backlog.

Meta (META) up 11% - Beat expectations with Q4 sales of $59.9 billion. Planning unprecedented AI spending: $115-135 billion capex in 2026 (up 87% from 2025's $72 billion). First AI tool not yet released!

Tesla (TSLA) - Capex more than DOUBLE last year's outlay and almost twice Wall Street expectations. Discontinuing Model S and Model X to make room for Optimus humanoid robots. Acquired preferred shares in xAI.

Apple (AAPL) record quarter - Revenue jumped 16% to $143.8 billion driven by iPhone 17 demand. China revenue up 38% to $25.5 billion. Services hit $30 billion (up 14%).

Owen and Drew launch their 2026 Navexa portfolio challenge, with Owen offering to get a TATTOO if 1,000 people beat his returns. Drew reveals his "falling knives plus data centre portfolio" strategy.

They've also taken over The Golden Times publication for retirees! Plus: Dr Deremith's interest rate call update, geopolitics impacting portfolios, and why Australian government debt-to-GDP hit 43.8% (up from 42.8%) while private debt dropped from 82% to 70% over 10 years.

If you like this Australian Investors Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts.

Resources for this episode

Ask a question (select the Investors podcast)

Visit TermPlus to learn more

Rask Resources

All services

Financial Planning

Invest with us

Access Show Notes

Ask a question

We love feedback!

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. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, 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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Is the US economy a mess? With markets feeling noisy and uncertain, this conversation with Nehemiah Richardson offers a perspective on where the real risks sit — and where they don’t.

In the face of unprecedented social and geo-political unrest, just how unstable is the US economy? Are the AI megacaps papering over the cracks of a weakening middle class?

Today’s episode is with Nehemiah Richardson, CEO of Private Credit at Pengana. We discuss the political climate and assess the real outcomes of Trump’s administration.

Additionally, we ask how a professional private credit investor selects a fund manager. Below you will find links to the reports and investments mentioned in the show as well as the timestamps for the key points discussed:

Links referred to in the show:
- ASIC report into private credit
- TermPlus
- Pengana Global Private Credit Trust (ASX: PCX)
- Pengana Diversified Private Credit Fund (please note this fund is for only available to wholesale investors)

Talking points:
- How healthy is the US consumer right now?
- What can we expect to see from the Trump administration heading into the mid-terms?
- What impact have the tariffs had on businesses in the US?
- Why the current environment is making portfolio construction tricky
- What is the difference between investment grade and non investment grade credit?
- What role does fixed income play in a portfolio?
- How does a professional investor choose what to invest in within private credit?
- What questions does a professional private credit investor ask his fund managers?
- Has the two speed economy in the US changed where professionals are allocating capital to in private credit?
- A checklist for selecting private credit managers here in Australia.
- What is the impact on private credit portfolios if the RBA increases interest rates
- What is the difference between TermPlus, PCX the listed investment trust and Pengana’s private credit fund?
- Why every leader should read Mindset by Carol Dweck

Show partner resources
Visit TermPlus to learn more https://termplus.com.au/?utm_source=rask&utm_medium=podcast&utm_campaign=investors&utm_term=general&utm_content=video

Rask Resources
All services: https://bit.ly/R-services
Financial Planning: https://bit.ly/R-plan
Invest with us: https://bit.ly/R-invest
Access Show Notes: https://bit.ly/R-notes
Ask a question: https://bit.ly/R-quest
We love feedback! https://raskau.typeform.com/to/ZbfHy6IP

Follow us on social media:
Instagram: https://www.instagram.com/rask.invest
TikTok: 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 confused about what that means or what your needs are, 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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In this Australian Investors Podcast episode, your host Owen Rask wraps up the Investment Foundations Series with:


The key takeaways from all 9 episodes in the series


How to apply index investing, asset allocation and automation


Why a simple, low-cost and diversified strategy often wins


How to keep going when markets get tough or noisy

If you want to level up your investment knowledge and take control of your money, make sure to subscribe to the Australian Investors Podcast on Apple, Spotify, or YouTube and revisit all 10 episodes of this series.

Follow us on Instagram and TikTok for more investing insights.

Topics Covered


Index funds, ETFs and the case for passive investing


Portfolio design and rebalancing


Keeping fees low and discipline high


Sticking to the plan when times get tough

Rask Courses


Value Investor Program – Owen's free online training


Rask Core membership – Rask's expert portfolios & stock research, $1 for 30 days!


Rask Invest – Invest directly with Owen

Go deeper and explore more episodes

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.

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