Hi, I’m Jay. I’m a dad, a full-time professional and an Australian income investor working towards financial independence by building recurring cash flow from dividend shares, ETFs, listed investment companies, credit funds and selected alternative investments.
Why I started My Income Factory
I started my income-investing journey in 2012 with a practical goal: build a portfolio that can produce dependable and growing cash flow without relying on short-term trading. My approach combines broad Australian share exposure, dividend-focused investments and higher-yielding credit and alternative income funds. The portfolio has grown into a six-figure investment portfolio, and I publish the lessons, decisions and income results from that continuing journey.
My Income Factory is a personal investor journal, not a stock-tipping service. It exists to document what I own, why I own it, how much income the portfolio produces, where the risks sit and what I change when the evidence changes.
What you will find here
- Portfolio updates covering actual dividend and distribution income, allocation changes and what affected cash flow.
- ASX income analysis focused on dividend safety, franking, payout sustainability, valuation and portfolio fit.
- ETF and LIC comparisons for investors who want diversified Australian income without selecting every company directly.
- Credit and alternative-income research covering listed credit funds, private credit, monthly distributions, liquidity and capital risk.
- Practical investing frameworks for building and reviewing an income portfolio over time.
You can see the current structure of the portfolio on the Income Portfolio page. I also publish regular updates so readers can see how the strategy behaves through both strong and difficult markets.
How I prepare articles
Articles are written for Australian income investors and are based on my own portfolio experience and analysis of available evidence. Where relevant, I review company announcements, fund reports, distribution histories, product disclosure documents and other primary sources. I aim to separate reported facts from my interpretation and to explain the assumptions behind yield, income and portfolio calculations.
My reviews are deliberately decision-focused. A high headline yield is not enough. I look at the source and sustainability of distributions, balance-sheet or credit risk, franking, fees, liquidity, diversification and the impact an investment could have on total portfolio cash flow.
Transparency
I may own investments discussed on this site. When an article concerns a holding or a portfolio decision, I write from that perspective rather than presenting myself as an independent research house. Some links on the Tools page may be affiliate links and may generate a small commission that helps operate the blog. Affiliate arrangements do not determine the conclusions in investment articles.
The content is general information and education only. It is not personal financial, investment or tax advice. Every investor has different objectives, time horizons and risk tolerances, so please verify the information, perform your own due diligence and consider professional advice where appropriate.
Questions, corrections and thoughtful challenges are welcome through the Contact page.