Guides
Plain-language guides for Australians
Deep dives on tax, super, and investing — each one backed by a real calculator so you can run your own numbers.
Australia's 2027 CGT changes: what they mean for your investments
The 50% CGT discount disappears on 1 July 2027. Here's exactly how the new indexation + 30% floor rules work, who gets hit hardest, and what to do before the deadline.
Salary sacrifice into super: the complete Australian guide (2025–26)
How the tax saving works at every income level, whether it beats paying down your mortgage, the carry-forward rules most people miss, and how to set it up in 5 minutes.
Negative gearing 2027: what changes, who's affected, and what to do
From 1 July 2027, negative gearing on established investment properties is ring-fenced for new buyers. Here's exactly who's grandfathered, what the cashflow impact is, and whether buying before the deadline is worth it.
Portfolio by age: how Australians should invest at every life stage
Drag a slider to your age and see an illustrative core/satellite allocation — plus plain-language explanations of the glide path, one-fund lazy portfolios, and which platform to use.
First home buyer guide Australia 2025: grants, schemes, and step-by-step
How much deposit you need, which government schemes apply (First Home Guarantee, FHSS, state grants), stamp duty concessions, and the exact steps from saving to settlement.
How to invest in ETFs in Australia: a beginner's guide (2025)
What ETFs are, how to choose one, which brokerage account to use, how distributions are taxed, and how to build a simple long-term portfolio with 1–2 funds.
HECS/HELP explained: repayments, indexation, and when to pay it off
When HECS repayments start, how indexation grows your debt, and the exact maths for deciding whether to pay it off early or put money into your mortgage instead.
Australian tax return checklist 2025–26: everything to gather before you lodge
The complete list of income, deductions, and documents to prepare before opening myTax — plus common mistakes that cost Australians money every year.