November 13, 2025

Zero-fee super: Scam or smart? ETF crash myths and FHSSS traps – Q&A

42 minutes

In this Friday episode of The Australian Finance Podcast, hosts Owen Rask and Gemma Mitchell dig into your money questions. This week we look at how to spot risks inside your super fund, what’s reasonable to expect from a financial adviser, how to think about market crashes without panicking, and what happens if you can no longer use your FHSS funds.

Owen and Gemma cover:

- Rask Core Membership has had a revamp!!

- How REST offers 0 percent fees on some indexed options, how Macquarie’s True Index works, and what risks you should be aware of

- Whether low-fee index options pose extra dangers given recent scams and what due diligence actually matters

- What’s a fair turnaround time for financial advisers, why some are slow to action changes, and how to decide if your advice relationship is still serving you

- How to talk to family who fear another GFC wiping out their wealth and how long-term investing really behaves in deep downturns

- What happens to your FHSS contributions if you become ineligible, and whether they simply stay in your super

- The real meaning behind knowing “the cost of opening your front door” and why it matters for day-to-day financial confidence

Plus, we need your help. We’re still pushing to get Owen to write a book. You can help us get there by joining our newsletter — we’re aiming for 3,000 new sign-ups in November.

If you like this episode of The Australian Finance Podcast, make sure you hit follow on Apple, Spotify, YouTube or wherever you get your podcasts. And don’t forget to send in your questions for future Q&As using the link below.

Resources for this episode

Buy Gemma’s book “The Money Reset”

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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 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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