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.
Financial Education
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.
The Bridgewater Warning: What “Market Tension” Means for My Income Factory
Bridgewater Associates — the world’s largest hedge fund — says today’s market calm hides powerful undercurrents. Inflation, fiscal expansion, and AI-driven capital cycles are pulling global markets in opposite directions. In “The Bridgewater Warning: Market Tension and the Income Factory,” I unpack what this means for dividend and credit investors — and how to keep your portfolio balanced, cash-flowing, and resilient when equilibrium breaks.
Dividend Growth: The Key Metric for Income Investors in a Low-Yield Australia
With dividend yields falling across the ASX, income investors are rethinking their strategy. Here’s why dividend growth — not yield — is becoming the metric that matters most for long-term success
How to Navigate Dividend Compression in Australia (2025–2026): What Income Investors Should Do
Dividend yields are shrinking across the ASX, leaving many investors concerned. Here’s how to navigate dividend compression in 2025–2026, with strategies that focus on growth, safety, and diversification.