FY26 Portfolio Review: Record Income, Real Risks
My FY26 portfolio produced record income, but listed credit fund capital weakness showed why yield still needs risk discipline and better diversification.
My FY26 portfolio produced record income, but listed credit fund capital weakness showed why yield still needs risk discipline and better diversification.
My portfolio value rose 3% since April as capital gains joined dividends in driving returns, while credit funds remained the main area to watch.
Capital gains tax might sound like a problem for property investors and start-up founders, but dividend income investors should pay attention too. Through a My Income Factory lens, Labor’s proposed CGT changes reinforce the value of recurring cash flow — while also highlighting the importance of tax-aware portfolio planning.
After a shaky start to the year, my portfolio has started to recover — but the real story is the income. In this Jan-Apr 2026 update, I break down how much my Income Factory portfolio generated in dividends and income, what worked, what lagged, and why cash flow still matters most.
A 6-month performance wrap on my income portfolio — ~AU$27.5k earned, measured trends vs last financial year, strategic buys in ETFs and private credit, and forward-looking plans.
October 2025 income review: AU$5.1k in dividends and interest, fresh capital into SOL, VAS, VHY and private credit, plus a full portfolio snapshot vs August.