OzFinn's Blog
The official blog and the latest posts from OzFinn
Tax-bracket creep since 2008 - smaller than you'd think?
The common belief in Australia - at least on r/AusFinance and r/fiAustralia - is that bracket creep has been silently robbing us. After a few Reddit discussions, I ran the numbers. To my surprise, the effective tax rate has barely budged.
Investing in ETFs vs Property - which one wins?
The core idea is mirrored cash flows. The property scenario pays the deposit, stamp duty and every yearly shortfall. The ETF scenario invests those exact same dollars instead - same upfront cash, same ongoing contributions. If the property turns cash-flow positive, the...
A beginner's guide for ETF investing (Q&A + example portfolios)
A few weeks ago I shared my ETF comparison table. The response was genuinely useful - alongside the positive feedback, the most consistent criticism was: "this is hard to navigate if you're new" and "a table of hundreds of ETFs is data,...
The Top 100 Cheapest ETFs on the ASX - Because Fees Are the Only Certainty
I've added another ranking to OzFinn: the Top 100 ETFs on the ASX, ranked by management fee (MER), cheapest first. It's the same table you know from the Top 100 by AUM - returns over 1/3/5/10 years, after-tax toggle, 21 category filters...
Introducing the OzFinn Pay Calculator: Know Exactly What Lands in Your Account
Most pay calculators answer one narrow question - how much tax do I pay? - and then leave you staring at a number with no idea what to do next. When I sat down to build the third tool in the OzFinn...
Top 100 ETF List - Ranked by What People Actually Own
I built a "Top 100 ETF List" - ranked by what people actually own in AustraliaI've just added a new section to OzFinn: the Top 100 ETFs on the ASX, ranked by assets under management (AUM). It's live now, and I want...
HISA tool improvement - automatic updates
One of the most common concerns with any rate comparison tool is simple: "Are these rates actually current?"
Filters - a small update to our HISA tool
A quick post to share that I've added one useful filter to the /HISA tool - "Filter". It is exactly what you think it is - the ability to filter the list with all savings accounts. There are three options only: "No...
Say Hello to our new tool - /HISA
Why I Built a Savings Account Comparison Tool - and What It Actually Shows You