CGT
The Art of the Tax-Efficient Exit: A Guide to Living Off Your Assets
Consider tax when deciding which assets to sell. The amount of profit and length of holding can make a potentiall big tax bill into one much more digestible.
Baron Barnet
I'm a personal finance geek who hates to see people ripped-off (especially myself). I created baldmoney.com as a way to share what I've discovered in the world of personal finance.
Superannuation
The Superannuation "Tax Wipe": How to Legally Delete Your CGT at Retirement
If you’re currently holding your super in a standard "Balanced" or "International Shares" pooled fund, you are likely paying a "success tax" every single year that you probably don't even see. In the industry, this is known as a Tax Drag.
Investing
Investing For Your Kids in Australia
Because kids have decades of growth ahead of them and their own (eventual) adult tax-free thresholds, they are the ultimate "long-term investors." If we set things up correctly now, we can help them build a massive head start without the ATO taking a giant bite out of their future nest egg.
ETFs
ETF Buyers Checklist (UK)
There are some very important considerations in choosing an ETF to buy that are totally in your control. This post explains why you should know about transaction costs, FX fees, Domincile and reporting status to name but a few.
inheritance tax
Don't die owning UK shares. The sneaky inheritance tax trap hiding in UK-domiciled assets
Don't die owning UK shares. The sneaky inheritance tax trap hiding in UK-domiciled assets
Shares
The Case of the Vanishing £800: Why Your New Investment Just Slapped You in the Face
The Case of the Vanishing £800: Why Your New Investment Just Slapped You in the Face
investment funds
What is the Index in Index Funds anyway?
I'm a big fan of low cost index funds and ETFs. They outperform the vast majority of actively managed funds and have allowed the everyday investor simple, convenient cost effective access to invest in all markets the world over.
Superannuation
Cheapest 100 % Equity & Growth Super Options in Australia (2025)
With Australian super fund fees falling rapidly, index-based options from industry funds now rival the lowest-cost ETFs. We’ve compared the main contenders — Hostplus, AustralianSuper, Rest Super, and Vanguard Super — to find which delivers the most international exposure for the lowest all-in cost. 🔍 Comparison Table Fund / Option Strategy Index Tracked
visual_explainer
Debt Recycling: The Tax ‘Scam’ Your Banker Doesn't Want You to Know About (It's Legal)
See how much you could benefit using debt recycling with our debt recycling calculator See how much you could benefit using debt recycling with our debt recycling calculator Calculate the Benefit Now Why Bother With Debt Recycling? Stop paying full tax on your investments!. Seriously, at its core, it'
Best Of
Best High Interest Savings Accounts (Australia)
I've not listed accounts with introductory periods, as these are usually only for a few months, then you revert to a low rate of interest. I've also excluded account where you have to grow your balance each month and make a minimum number of transactions as
Australia
Host your home on AirBnB while you're on holiday? Check the fees first
Consider income and time when considering hosting your home on AirBnB
pension
Are Your Pension's High Fees Stealing Your Future?
For too long, millions of people have entrusted their retirement savings to high-cost funds, often without understanding the massive financial drain. I recently offerred to look over a friend's UK pension and what I found was shocking!