Article · Wealth
Ore in. Finished goods out?
Robots are shrinking the wage gap that sent Australian ore offshore. What it means for factories, jobs, migration, property and the ASX — tested against China, Vietnam and India.
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4000 · Wealth
Building wealth in Australia.
A practical guide to building wealth in Australia: asset allocation, compounding, super, gearing and structuring. No hot tips or get-rich schemes — just the strategies and rules that grow what you actually keep.
FocusWhole balance sheet
Core leverCompounding & time
Core structuresSuper, trusts & ETFs
Key topicsGearing & structuring
Evergreen reference guide · rules checked against official sources
Latest wealth article
Featured · New
CGT discount to 30 Jun 2027
50%
then indexation + 30% minimum tax
Rule of 72
~7 yr
to double at 10% p.a.
Preservation age
60
to access super tax-free
Super concessional cap
$30k
per year, subject to rules
Official references: ASX index guide, ATO CGT guide and ASIC MoneySmart ETF guide.
All wealth articles
6 articles live
Article · Wealth
Ore in. Finished goods out?
Robots are shrinking the wage gap that sent Australian ore offshore. What it means for factories, jobs, migration, property and the ASX — tested against China, Vietnam and India.
Article · Wealth
Not a recession. Not yet.
Growth per person has stalled, inflation is back at 4% and rates are still rising. How close Australia is to recession and stagflation — and what it means for your money.
Article · Wealth
Rates aren’t going back.
Markets price a rise to 4.60% on 29 September and almost no relief before 2030: the five-year map, whether to fix, every major bank’s advertised rate, and what a 5% world does to an investment case.
Article · Wealth
The passport isn’t the problem.
A 47% top rate, an exit charge on the way out, and the break-even nobody calculates.
Article · Wealth
Money management: five rules for staying wealthy
How much cash to hold, when debt earns its place, and why the investor who is never forced to sell is the one who ends up wealthy.
Article · Wealth
An asset pays you. A liability doesn’t.
I bought Western Sydney land for $2.06m in 2006 and sold it for $8.0m in 2024 — and by Kiyosaki’s test it was a liability for all 18 years. The numbers, and the company-vs-trust mistake that cost more.
New to building wealth? Start here
Three steps
STEP 01
Pay yourself first
Automate a fixed transfer to savings and investments on payday, before spending. A consistent savings rate does more than any single investment choice.
STEP 02
Own broad, low-cost assets
A few broad index funds and your super give you diversified growth for a fraction of a per cent. Everything past that has to earn its fee.
STEP 03
Use the right structure
Super, trusts and personal names are taxed very differently. Matching the asset to the right structure can quietly add years of compounding.
Australian wealth building, answered
Common questions
What does "pay yourself first" mean?
It means treating saving and investing as the first bill you pay each payday, not whatever is left over. Automating a fixed transfer before spending makes a consistent savings rate the default, which is the strongest driver of long-term wealth. See ASIC MoneySmart's ETF guide.
How does compounding actually build wealth?
Returns earn returns: each year growth is calculated on a larger base, so gains accelerate over long periods. Time in the market and reinvested income matter far more than trying to pick winners. For the tax side of realised gains, check the current ATO CGT guide or obtain tax advice.
Should I put extra money into super?
For many Australians, concessional (pre-tax) contributions are taxed at 15% inside super, which can be well below their marginal rate, though the money is preserved until a condition of release. Caps and personal circumstances apply. The ATO explains super contribution rules.
Is building wealth risk-free?
No. Investment values can fall, inflation erodes cash, and gearing amplifies losses as well as gains. Diversification, an emergency buffer and a long time horizon reduce risk but never remove it. Compare any strategy with your own goals and risk tolerance.
Wealth does not sit on its own
The chart of accounts
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