· 9 min read
JEPI vs JEPQ: compare the funds, not just the yield
Compare JEPI and JEPQ by equity exposure, option income, fees and risk, then see what changes for Australian JEPI and JPEQ investors.
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Risk management
How to define downside, position size, invalidation signals and practical responses before risk arrives.
Articles through this lens
36 research notes· 13 min read
Why older Australians expect to delay retirement in 2026
What a 2026 survey says about delayed retirement intentions, how ABS retirement ages differ, and a worksheet for testing a household funding gap.
Read insight →· 12 min read
Term deposit or share ETF? Match the money to its date
Compare a fixed-date Australian term deposit with a diversified share ETF using the payment date, shortfall risk, access terms, tax timing and a worked A$30,000 example.
Read insight →· 9 min read
Is Audit Shield worth it in Australia? A decision guide
Compare your Audit Shield premium with policy limits, covered professional fees, exclusions and your cash buffer using a practical Australian worksheet.
Read insight →· 13 min read
ASX 200 P/E ratio as at 22 September 2026
The ASX 200 P/E was 19.47 times trailing and 17.70 times FY1 on 22 September 2026 by State Street's index characteristics. Here is how to compare it properly.
Read insight →· 10 min read
Late tax return penalty in Australia: what happens and what to do next
Late lodgment is not one automatic fixed fine: confirm whether you had to lodge, lodge promptly, and treat any tax debt and interest separately.
Read insight →· 8 min read
Private credit redemptions: what happens between a request and cash
A practical guide to notice periods, redemption limits, proportional allocation, valuation and settlement, with a worked Australian-dollar example.
Read insight →· 9 min read
Take the redundancy payout or stay? Compare cash over the same year
Compare a redundancy payout with staying income over the same period, test time without work and lower pay, and check cash reserves before deciding.
Read insight →· 9 min read
Home insurance excess calculator: when does a higher excess pay off?
Compare two like-for-like Australian home-insurance quotes, calculate the break-even period for a higher excess, and test zero, one or two claims without guessing the odds.
Read insight →· 11 min read
Pay off HELP or keep the money in your mortgage offset?
Compare a voluntary HELP repayment with keeping the same lump sum in a verified mortgage offset, using current rules, timing, liquidity and a same-date worksheet.
Read insight →· 14 min read
EV novated lease vs cash: the tax saving and the balloon
An EV novated lease can cut taxable income, but the residual, fees, HELP and offset cost can reverse the saving. Compare four options on one worksheet.
Read insight →· 10 min read
Private hospital cover or MLS: find your break-even point
Qualifying hospital cover can cost less than the Medicare Levy Surcharge. Use 2026–27 thresholds, the right tax base and covered days for a tax-only comparison.
Read insight →· 16 min read
How much income protection insurance do you actually need?
Estimate an Australian income-protection gap after sick leave, emergency cash and cover through super, then compare waiting periods, benefit periods, tax and policy limits.
Read insight →· 10 min read
How to build a term-deposit ladder when rates can change
Build a 3, 6, 9 and 12-month Australian term-deposit ladder around real spending dates, early-access rules, FCS limits, tax and rollover instructions.
Read insight →· 8 min read
Offset account vs savings account: the after-tax break-even test
Compare mortgage interest saved with savings interest kept after tax and product costs
Read insight →· 9 min read
Fixed, variable or refinance after an RBA rate rise: a break-even test
Compare fixed, variable, split and refinance choices using switching costs, offset value, the remaining term and three rate paths—not a single mortgage-rate forecast.
Read insight →· 8 min read
Can a Rooming House Really Earn a 10% Return?
Test an Australian rooming-house investment after vacancy, utilities, management, compliance, finance and exit costs, and separate property ownership from an operator business.
Read insight →· 7 min read
Debt recycling in Australia: trace the money before the tax claim
A plain-English map of offset cash, redraw borrowing, loan splits and mixed-purpose debt — plus the records and advice boundaries that matter.
Read insight →· 11 min read
Cash ETF or term deposit? Start with what the money must do
Compare FCS protection, access, market pricing, credit and duration risk, variable income and tax records before choosing where to hold near-term money.
Read insight →· 8 min read
Australia Has a Housing Shortage. Why Can Returns Still Disappoint?
A housing shortage can support rents, but a property’s return still depends on its price, vacancy, expenses, interest, tax, leverage and sale value.
Read insight →· 7 min read
A crypto breakout without a headline is not proof of a new bull market
A practical test separates spot demand, ETF creations, leverage, liquidations and reproducible breakout rules before calling a new crypto bull market.
Read insight →· 10 min read
Is your mortgage offset actually working after refinancing?
How to verify that a mortgage offset is linked to the intended refinanced loan, estimate the interest benefit and document a lender remediation request.
Read insight →· 7 min read
Long-term investing starts with when you’ll need the money
The discipline is to match each dollar’s horizon, loss capacity and review rule to the risk it funds
Read insight →· 11 min read
Why own a covered-call ETF if it may lag the market?
Why a covered-call ETF can still be rational when it may lag a broad index, including reinvestment scenarios and Australian tax boundaries.
Read insight →· 8 min read
A$4,000 a month: covered calls versus selling index ETF units
Compare the starting capital, five-year balance, market-regime trade-offs and tax considerations when A$4,000 a month comes from covered-call distributions or index ETF unit sales.
Read insight →· 5 min read
How to test a physical silver shortage: seven indicators
Test a physical silver shortage through exchange stocks, open interest, futures curves, lease rates, fund holdings, regional premiums and real yields.
Read insight →· 7 min read
Can MACD pick a market top? Trend confirmation and risk control
Understand the MACD line, signal line, histogram and divergence, then turn them into position-sizing, no-trade and re-entry rules.
Read insight →· 5 min read
AI exposure is not the end of work
How to separate AI task exposure from job loss, test a one-person AI business and control the risks of delegated software.
Read insight →· 5 min read
Does more market news improve investment decisions?
When market news improves an investment decision, when it mainly creates reassurance, and how to set evidence, conflict and stopping rules.
Read insight →· 8 min read
mRNA cancer-vaccine trials: phase 2b evidence versus phase 3
Learn how to separate a promising phase 2b mRNA cancer-vaccine result from phase 3 success, regulatory approval and an investable company link.
Read insight →· 7 min read
The three buffers first-home buyers should not confuse
A 5% deposit can bring settlement closer, but buyers still need separate buffers for equity, cash flow and retirement savings.
Read insight →· 11 min read
Gold and silver as portfolio insurance: what to check before buying
How Australian investors can compare gold and silver as portfolio buffers, including market structure, demand, GST, vehicles, costs and change conditions.
Read insight →· 10 min read
Hormuz is not binary: what bypass pipelines can and cannot solve
Saudi and UAE bypass pipelines can soften a Hormuz disruption, but terminals, insurance and LNG remain constraints; diplomatic language alone does not prove physical recovery.
Read insight →· 10 min read
When silver miners can outperform silver — and what has to go right
Silver miners can amplify a rising metal price, but grades, recovery, costs, capital and funding determine whether leverage becomes durable cash flow.
Read insight →· 15 min read
Why technical indicators cannot prove 90% odds
RSI, MACD and regression lines can repeat the same evidence. Learn how to test similarity claims, backtests and leveraged inverse ETP risk.
Read insight →· 11 min read
Why Regimes Matter More Than Predictions
A regime framework applied to August 2026 inflation, labour, oil, and bond-market signals, with explicit counter-signals and change conditions.
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