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
188 years. Undone by the rent.
David Jones stopped paying Westfield and collapsed after 188 years. Why it failed, what it means for Myer and the landlords, how risky commercial property really is, and what centres can do with an empty department store.
Read the articleOfficial references: RBA cash rate target, ABS lending indicators, ASX index guide and the ATO CGT guide. Every key indicator in one place, updated automatically: Australian Economic & Investment Dashboard.
Australia, by the numbers
Australian Economic & Investment Dashboard
Population, inflation, interest rates, GDP, jobs, housing approvals and lending — official ABS and RBA figures with maps, charts and the date beside every number.
Calculators
Run the deal on paper first.
Price a property deal end to end — stamp duty, land tax, the loan, rent, every holding cost, the 2026 tax rules and the sale — and see the weekly cost, the year it turns positive and the return on your cash.
Same price. Eight different tax bills.
A stamp duty calculator for every state and territory, plus how each one works, what concessions exist, and what it costs an investor.
Stamp duty is once. Land tax is forever.
A land tax calculator for every state and territory, plus every threshold, trust scale and foreign surcharge for 2026-27.
Latest from the ledger
188 years. Undone by the rent.
Why Australia’s oldest department store failed, and what it means for Myer, Westfield and commercial property investors.
Gold fell 27%. Is it cheap now?
27% below January's record. Not cheap by history, better value than it was — and why central banks, wars and hyperinflation still matter.
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.
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.
Listed property is on sale. Is it cheap?
The 20 largest ASX REITs compared on yield, P/E, price-to-NTA, payback years and broker targets — and whether a REIT beats buying a property outright.
Rates aren’t going back.
The cash rate is 4.85% after the fifth rise of 2026 — the five-year map, whether to fix, every major bank’s advertised rate, and what a 5% world does to an investment case.
Buy what 2036 will want.
What type of property to buy in 2026, tested on the data: population to 31.5m, over-75s to 3.4m, a 220,000-home shortfall and a 6 GW data-centre pipeline — plus the residential checklist and four demand themes.
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.
The passport isn’t the problem.
A 47% top rate, an exit charge on the way out, and the break-even nobody calculates.
Will the 2026 Tax Changes Survive the Next Election?
Legislated in June, starting July 2027, on the ballot by 2028. The two gates a repeal has to pass, the $2-a-week problem, and what a reversal would not undo.
Bathla had the assets. It ran out of cash.
A $3.4 billion collapse in Western Sydney: the five decisions behind it, and what it means for buyers and private credit investors.
Platinum set a record. Then it fell 47%.
A record high in January, down 47% by July. The supply problem is real; the scarcity headline is contested.
Quantum will grow 30% a year. That is the easy part.
Quantum revenue should grow 30% a year. Why that alone does not make the listed pure plays a good ten-year hold.
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.
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.