Practical, numbers-first investing analysis for Australians — transparent assumptions, explicit trade-offs, and decision-grade outputs.
Up to 25% immediate tax saving, $120k+ extra at retirement from a $5k/year sacrifice — the maths at every income bracket, the compounding effect, and when it stops making sense.
Convert non-deductible mortgage debt into tax-deductible investment debt. The mechanics, the tax math at every bracket, and when it stops making sense.
A $70 cash dividend becomes $100 in a zero-tax account. After-tax yield at every marginal rate, and why super funds extract the most value from Australian shares.
HECS indexed at 3.2% vs ASX returns of 9%. The maths at every income level, the mortgage borrowing-capacity trap, and when voluntary repayment genuinely wins.
$12,000/year in non-cash deductions most investors miss. How Div 40 and Div 43 work, the 2017 rule changes, and the real tax saving at each income bracket.
Lump sum beats DCA 2 out of 3 times — but DCA wins in the worst markets. The Australian data, sequence-of-returns risk, and when each strategy is right for you.
Brisbane buying wins by $1.24M. Melbourne investing wins by $583k. Sydney is an $18k coin flip. Full city-by-city breakdown with live calculator.
Cashflow symmetry, dividend staging, and CGT realism — why most comparisons are biased by construction.
Decades of housing, wages, and market trends — what they imply for long-run strategy.
Opportunities in solar, wind, and storage — plus the risks that don't show up in a headline return chart.
Why selling mechanics matter: timing, discounts, flexibility, and what "liquidity" buys you in retirement.
Where the tax benefit is real, where it's marketing, and how it interacts with cashflow stress.
Stamp duty, holding costs, frictions, and "silent" costs that change the break-even point.
Property leverage looks "safe" until rates rise; share leverage looks "scary" until you price liquidity.
When LMI applies, how it's calculated, and how to avoid paying it unnecessarily.
Understanding LMI in Australia
Printable explainer — clean, concise, and built to share