Sharing, and Growing Together Welcome! I’m thrilled to begin this journey of documenting my financial learning, investment ideas, and the lessons I’ve gathered over the years. This blog isn’t just for me—it’s for my children, friends, and anyone interested in improving themselves, building wealth, and making smarter choices with money. My Motivation Reflection: Writing helps me crystallize what I’ve learned from books, mentors, and my own experiences in the market. Legacy: I want my children and future generations to have a roadmap to financial literacy—something practical, thoughtful, and modern. Sharing: Friends, family, and readers can avoid some of the mistakes I’ve made, benefit from my research, and join the conversation about money and investing. Community: We’re all learning, and there’s always more to discover. By sharing ideas here, I hope to spark curiosity and help others on their journeys. My Recommended Reading and Resources ...
Australian ETF Investment Guide: Maximizing After-Tax Returns Across Tax Brackets - With my thoughts on allocation
Australian ETF Investment Guide: Maximizing After-Tax Returns Across Tax Brackets When it comes to investing in dividend ETFs as an Australian, the tax implications can make or break your returns. While US markets offer compelling options like VIG and JEPI, the reality is that franking credits and withholding taxes significantly impact your net returns. Let's break down the optimal ETF allocation strategies for different Australian tax brackets. The Tax Landscape for Australian ETF Investors Australian ETFs: The Franking Advantage Australian dividend-paying companies provide franking credits - essentially pre-paid tax credits that can reduce your tax bill or even result in refunds. This creates a significant advantage for domestic ETFs like: VHY (Vanguard Australian Shares High Yield ETF) : 8.66% dividend yield with ~20% franking credits VAS (Vanguard Australian Shares Index ETF) : Broader mar...