Your ETF Distribution Is Not the Whole Tax Story: 5 AMMA Checks Before You File
An ETF distribution can affect cash received, taxable income and the cost base of your units. These five AMMA checks help avoid future CGT surprises.
Financial Education
Your Portfolio Yield Is Not Your Retirement Paycheque: Build an Income Floor Before You Retire
Portfolio yield is useful, but it is not the same as a dependable retirement paycheque. Here is a simple way to build an income floor, map cash flow and stress-test an Australian income portfolio before retirement.
LIC Discounts: Bargain or Warning Sign? A 6-Point Check Before Buying Below NTA
A discount to NTA can look like free value, but it may also be a warning. Here are six checks I would make before adding a discounted LIC to an income portfolio.
Stop Chasing Yield: 7 Checks I Make Before Trusting a Dividend
A high dividend yield is only useful if the business can keep paying it. Here are seven checks I use before trusting the headline number.
Higher for Longer: A 5-Point Stress Test for Your Income Portfolio
Higher rates can improve some income streams while quietly weakening others. Here is a five-point stress test for an Australian income portfolio.
Is Your Investment Income Really Growing? The Simple Inflation Test I Use for an Income Portfolio
A bigger dividend cheque does not always mean your income is really growing. Here is a simple way to test whether your portfolio’s cash flow is keeping pace with inflation, and which income sources can help over the long run.
My Portfolio Income in 2026 So Far: The Market Fell, But the Income Machine Kept Working
The first months of 2026 have been volatile for markets, but my income portfolio has continued to do what it was designed to do — generate cash flow. In this update, I break down how much income the portfolio produced so far this year and what the results mean for the Income Factory strategy.
Are Aussie Bank Dividends Still Safe in 2026? A Reality Check for Income Investors
Australian bank dividends have long been treated as untouchable — the cornerstone of income portfolios built on franking credits and familiarity. But as we head into 2026, the landscape has quietly shifted. Slower credit growth, tighter capital rules, and changing economic conditions mean investors can no longer assume yesterday’s payouts will automatically repeat tomorrow. In this article, I take a clear-eyed look at whether Aussie banks can really keep paying what income investors expect — and how to position a portfolio for reliable income through the next cycle.
Dividends vs Credit Funds: Which Is Better for Reliable Income in Australia?
Dividends and credit funds both promise income—but they behave very differently when markets turn. This article breaks down the real risks, tax outcomes, and income trade-offs Australian investors need to understand before choosing between them—or blending both into a resilient income portfolio.
Beyond the ASX: How Australian Income Investors Can Diversify with International Dividend ETFs, Global Income Funds & Private Credit in 2026
A deep-dive into how Australians can diversify income beyond the ASX using global dividend ETFs, multi‑asset income funds, and private‑credit vehicles for stable income in 2026.