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dividends

High-Yield ETFs: 7 Checks Before You Trust the Distribution

24/09/2026 by Jay
Watercolour illustration of an Australian income investor using a magnifying glass to inspect the holdings behind an ETF income gauge, with diversified investment assets feeding an income factory.

High-yield ETFs can make income investing simpler, but the headline yield can hide variable distributions, concentration, fees and tax complexity. Here are seven checks I would make before trusting the number.

Categories Dividend ETFs & LICs, Dividend Investing Tags Australian shares, Diversification, dividends, ETFs, Income Investing, portfolio income Leave a comment

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.

Categories Dividend Investing, Financial Education Tags account-based pension, cash flow, dividends, ETFs, LICs, portfolio yield, private credit, retirement income Leave a comment

LIC Discounts: Bargain or Warning Sign? A 6-Point Check Before Buying Below NTA

10/09/2026 by Jay
Australian income investor comparing an LIC's market price with its net tangible assets, supported by a six-point checklist, dividends and portfolio assets.

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.

Categories Dividend ETFs & LICs, Dividend Investing, Financial Education Tags Australian shares, dividends, franking credits, Income Investing, LIC, LIT, NTA, portfolio diversification Leave a comment

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.

Categories Dividend Investing, Dividend Stocks, Financial Education Tags ASX, cash flow, Dividend yield, dividends, franking credits, income portfolio, payout ratio, reporting season

Is Your Investment Income Really Growing? The Simple Inflation Test I Use for an Income Portfolio

20/08/2026 by Jay
Watercolour illustration of several Australian investment income sources feeding a growing cash-flow stream while household costs rise in the background.

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.

Categories Dividend Investing, Financial Education Tags dividends, ETFs, inflation, LICs and LITs, portfolio income, private credit, retirement income

Plenti FY26 annual report: strong growth, but no dividend yet

02/07/2026 by Jay
Editorial finance desk image for a MyIncomeFactory article about Plenti FY26 cash profit growth, credit quality and no dividend yet.

Plenti’s FY26 annual report shows strong cash-profit growth and disciplined credit metrics, but it remains a future dividend candidate rather than an income stock today.

Categories Dividend Investing, Dividend Stocks Tags ASX income investing, Australian shares, credit quality, dividends, non-bank lenders, Plenti, PLT
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