cash flow – Income Factory

Your Portfolio Yield Is Not Your Retirement Paycheque: Build an Income Floor Before You Retire

16/09/2026 by Jay

Watercolour illustration showing Australian investment income streams flowing through a cash buffer to provide steady household retirement income.

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.

Stop Chasing Yield: 7 Checks I Make Before Trusting a Dividend

03/09/2026 by Jay

Watercolour illustration of an Australian income investor checking company accounts, cash flow and dividend quality before adding income to a diversified portfolio.

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.