Articles

Plain-English guides to Australian personal finance

Most Undervalued ASX 300 Stocks: How the Screen Works
How our monthly screen runs the whole ASX 300 through the same DCF/DDM engine as the tool — the four filters a stock must clear, and the caveats behind the list.
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How to Value a Stock: DCF and the Dividend Discount Model
The two valuation methods behind the calculator — Discounted Cash Flow and the Dividend Discount Model — explained, with the exact inputs and when to use each.
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Noise vs. Fundamentals: Why the Golden Rules of ETF Investing Haven't Changed
Tax codes change, tariffs shift, wars flare — the maths of long-term ETF investing doesn't.
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Mastering Leverage: A Deep Dive into Geared ETFs, Debt Recycling, and Long-Term Wealth
How geared ETFs work, the maths of volatility decay, how life stage dictates leverage, and how to combine gearing with debt recycling.
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2026 Budget: Why High-Yield ETFs are the Smarter Choice for Debt Recycling
See the math on why high-yield franked ETFs like VHY change the equation.
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The Leaky Bucket: How to Stop Inflation and Tax From Out-Earning Your Income
Australia's fixed tax thresholds and structural inflation are quietly clawing back your pay rise — here's exactly how, and what to do about it.
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Evaluate Stocks like Buffett, Dalio or Graham
Three frameworks, one stock, three different verdicts — here's what each framework is actually measuring, why they often disagree, and what no ratio can ever tell you.
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How to Invest in Your 20s–40s after the 2026 Budget
With high inflation and massive new tax changes, here are the only two wealth shelters that actually matter right now.
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Debt Recycling 101: How to Turn Your Mortgage Into a Wealth-Building Tool
Offset strategy, equity release into shares, and equity into property — how each works, the tax engine behind it, and what the 2026 budget changes.
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2026 Federal Budget: What Changes for Everyday Australians
Income tax cuts, negative gearing restrictions, and CGT changes — explained in plain English, with the numbers that matter to you.
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