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How Finance Works
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I've spent years studying this stuff. Here's the only finance secret I've ever found: Spend less than you make and invest the difference for the long-term. 

Hi, I'm Owen, the Founder of Rask Finance and lead adviser of Rask Invest.

Currently, I live in the Melbourne suburb of Hawthorn with my wife.

Over the past five years, I have been very fortunate in my career. I’ve appeared on national television, had my finance tutorials viewed for thousands of hours and launched a rapidly growing news website.

However, my true passion lies with educating people to invest and get the most from their finances.

Before I founded the Rask network I was an investment analyst at the highly regarded managed funds research business Zenith Investment Partners and a Writer/Analyst for The Motley Fool Australia.

I left my great jobs behind to start the Rask network.

Rask Invest includes all of my research

Rask Invest is an exclusive website that includes all of my financial research. It’s divided into bite-sized general advice sections, such as:

  • Everyday finances, including the budget behind my investing
  • Superannuation, including my tips on using Super to grow wealth
  • Retirement, including pre-retirement strategies, inside and outside of Super
  • Insurance, including the names of my preferred health, home and contents insurers, and
  • Investing, which includes exclusive access to my model portfolio of ASX and international shares. I buy into the share ideas 5 days after Rask Invest members!

The strategies inside Rask Invest took me more than 6 months to research, refine and publish.

My goal with Rask Invest was to create a strategy that can turn everyday Aussies into confident investors. Rask Invest is a strategy that I believe will help to take the stress away for anyone who wants to escape the rat race and learn how to make their money work harder.

Why Aussies need to start investing now.

There’s a finance saying, ‘you’ll never get rich investing in a savings account’. With interest rates near record lows, I think it's true now more than ever.

Everyone needs to invest to get ahead financially.

Investing is about money making money, or compound interest. It’s boring but it’s true. Small amounts of cash invested lots of times can work wonders over 5 years or a decade or two.

It doesn’t matter if you’re saving 1%, 5%, 10% or 50% of your income, everyone needs to invest if they want to escape the rat race.

Fortunately, it’s never too late to start!

To use a famous saying, 'the best time to plant a tree was 10 years ago, the next best time is today.'

Why I buy shares: Dividends & Growth

I love investing in good businesses (shares) over the long run. I believe they'll produce the most return for my money.

Historically, Australian property has also been a great place to invest over the long run. But with interest rates, wages and credit growth where they are, I expect property markets to underperform a diversified portfolio of high-quality shares in coming years.

Shares are risky in ways property is not. But I like having the optionality of owning small, liquid pieces of great companies, which I expect to compound my investment over many years.

In the current interest rate environment, the yields on some Aussie and international shares are also very appealing.

I don’t target dividend yields at the expense of long-term growth. But when the companies are hoping to grow and pay franking credits it’s even better!

Why dividends are important

Income is still the big issue facing investors today, in my opinion. 10 or 15 years ago a term deposit and savings account would pay you more than 5% or 6% interest. Unfortunately, we're not so lucky today.

We're lucky to get 3% interest!

For investors with a long-term investment horizon, I think the sharemarket (particularly the ASX) can produce a superior source of income and capital gains. It's not guaranteed, of course, and shares can be risky.

Nonetheless, income is one of the reasons why I target high-quality companies with strong cash flow, little to no debt and extra-wide profit margins. In 1, 2 or 5 years from today, I expect these companies to increase their dividend payouts substantially. To me, they're ideal for investors with a view to the long-term.

Here's exactly how I invest in shares and businesses

I buy shares in what I think are great businesses at good prices.

My personal investment strategy -- and the strategy I follow for Rask Invest -- is long-term.

By 'long-term', I mean 3+ years.

There are a few things I look for in the companies I buy - and offer as investment ideas to Rask Invest members...

Firstly, a company needs high-quality management, who own bucket-loads of shares in the company they run. That keeps their financial interests aligned with mine. As the saying goes, ‘if you don’t have an interest you won’t have an interest’.

As Warren Buffett's investing partner, Charlie Munger, says:

"never, ever, think about something else when you should be thinking about the power of incentives."

For example, the very first investment idea I released to Rask Invest members was a large technology company. The company's CEO had an ownership position of more than 13 times his annual salary. I doubt he'll risk doing something silly when he's got more than $100m on the line.

The companies I release as share ideas to Rask Invest members also need some type of competitive advantage. This is an advantage (e.g. patent, product, size, technological advantage) that helps a company withstand competition. It doesn't last forever but it's important.

A company also needs long-term growth prospects. This one is obvious.

Finally, I need to be able to buy the shares at a reasonable price. ‘Reasonable' is the keyword. Indeed, there are plenty of high-quality companies in the world.

But successful investing is about having a ‘variant perception’. It’s about asking yourself, ‘what do I know that other people don’t?

You can't just buy yesterday's winners -- that doesn't work. That's why finance disclaimers read: 'past performance is not a reliable indicator of future performance'.

I'm constantly asking myself, 'what do I know that other investors don't?'.

I've spent weeks researching a company just to say 'I have no edge' or 'it's not for me'. Buffett says investing should be treated as if you can only buy 20 shares in your lifetime. I treat every investment as if it's the last one I'll make for 5 years.

Ben Graham famously said, 'in the short run the stock market is a voting machine, in the long run, it is a weighing machine'.

When I send an email to Rask Invest members telling them that my latest ASX or global share investment idea is available I have to be prepared to buy it for my family's portfolio and hold it for years.

That's why even I buy into the latest Rask Invest share ideas -- but I'm prepared to wait 5 days.

I don't know what's going to be popular next week, month or year -- I simply focus on finding good businesses. If I can do that I believe the rest will take care of itself.

My hand-picked ASX share ideas. But that's not all...

As part of Rask Invest, I release my 'hand-picked' investment ideas from the ASX and international markets.

In my personal investing journey some of my better investments have come from outside of Australia in companies that most of us know, and whose products we use every day.

Companies like Google, ING, Berkshire Hathaway, Nestle, Nike, Unilever -- and more than 95% of the world’s stock investments – are not listed on the Australian market.

If you want the most opportunities I think you need to be prepared to consider investing overseas. Having some international investments can also offer diversification benefits.

On the ASX specifically, I think there will be many good opportunities showing up over time, particularly for investors eager to get their hands on some fully franked dividends or those willing to look at the small-cap end of the market.

Rask Invest provides a step-by-step guide for getting started in ASX and global shares. 

I buy into the share ideas 5 days later

As a Rask Invest member, you will get a 5-day head-start on me.

Meaning, our members will receive an email notification telling them that I have published a new investment idea (a buy, hold, sell, etc.). It’s up to them to consider if it’s right for them and choose whether or not to buy or sell.

5 days later I buy in using my own money.

FULL MONEY-BACK GUARANTEE

I'm so confident you'll love Rask Invest that we have:

A 7-day full money-back guarantee.

If you join and decide Rask Invest is NOT for you I’ll refund your cash in full.

JOIN NOW!

If you like the idea of a step-by-step guide to getting your finances on track and having exclusive access to my model investment portfolio.

Join today!

 

 

 

Owen Raszkiewicz,
Lead Adviser, Rask Invest

JOIN RASK INVEST TODAY!

Rask Members Access Owen Rask's Model Investment Portfolio

Rask Invest members can see Owen's latest share ideas and investment portfolio.
Better still, they get 5 days' head start.
Meaning, they can buy the latest share ideas before he does!

 

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