Wealth in Australia isn’t luck.
It is a system. Straight-talking guidance on property, shares and commodities — plus the tax and super rules that decide how much you actually keep. Real Australian figures, worked line by line, with no product spruiking.
Latest article
Australia is home. Your portfolio doesn’t have to be.
Australia is 1.6% of the world’s listed equity value and the ASX 200 keeps almost 60% of its weight in banks and miners. The case for sending part of the share portfolio offshore — the returns record, the platforms compared on what they really cost, and where the argument breaks down.
Read the article →Official references: RBA cash rate target, ABS lending indicators, ASX index guide and the ATO CGT guide.
Latest from the ledger
Australia is home. Your portfolio doesn’t have to be.
Australia is 1.6% of global listed equity. What that means for an ASX-only portfolio, and what going offshore actually costs.
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.
Alibaba shares: a bargain or a value trap?
Near US$120 against an analyst average of about US$187 — genuine value, or risks that deserve the discount?
Silver as an investment in Australia
The numbers behind the 2026 spike and crash, what physical bullion really costs, GST and CGT, and how the Australian dollar changes your return.
Capitals are falling. Port Augusta is not
Cotality, SQM and realestate.com.au data on the post-Budget downturn — and the regional market where 550 buyers are chasing 32 houses.
7 ETFs that cover the entire market
Five equity funds and two bond funds that own nearly the entire investable market — the tickers, the weights and the true cost.
Fusion energy and the AI power crunch
What Australians can actually buy as AI power demand meets the long, speculative road to commercial fusion.
Why buying residential property may no longer build wealth
The easy path to wealth assumed capital growth outran holding costs. On today’s yields and rates, that sum does not always land where people think.
Negative gearing in Australia, 2026: what actually changed
A plain-English walk through the reforms, the deduction rules as they now stand, and a worked example on a real investment property.
Why gold moves when rates do
The relationship between real yields and the gold price, and what it means for an Australian portfolio held in dollars.
Setting up an SMSF: the real cost
Establishment, audit, actuarial and administration costs, and the balance at which running your own fund starts to make sense.
Built for how Australians actually invest
No product spruiking
We are not selling a course, a franchise or a guaranteed property strategy. Just the numbers, explained, and the trade-offs stated plainly.
Australian rules, properly
Super, SMSF and tax content written against actual ATO and ASIC rules and linked to the source — not repackaged American advice.
Plain English, real numbers
Every article works through real figures rather than vague generalities, so you finish it knowing what the next decision is.
The chart of accounts
About richer.au, answered
What is richer.au?
An Australian site about building wealth: property, shares and commodities, plus the tax and superannuation rules that shape what you keep. Everything is written for Australian conditions and worked through with real figures.
Is anything here financial advice?
No. Richer Online Pty Ltd does not hold an Australian Financial Services Licence and does not provide personal financial advice. Nothing on this site takes your objectives, financial situation or needs into account. Speak with a licensed financial adviser or registered tax agent before acting.
Where do the figures come from?
Official Australian sources — the RBA, the ABS, the ATO and ASIC MoneySmart. Every current figure on the site is dated and linked to the release it came from.
How often is new material published?
New articles go up as they are finished rather than on a fixed schedule, and existing pieces are revised when the underlying rules or figures change. The mailing list is the simplest way to hear about both.
New articles as they land.
Property, shares, commodities and tax strategy — worked examples with real Australian figures and no product spruiking. One email when something new goes live.