Disclaimer

Last updated: October 2026

Not Professional Advice

The content provided on this website is for informational and educational purposes only and should not be construed as professional financial, investment, tax, or legal advice. The author is not a licensed financial adviser, does not hold an Australian financial services (AFS) licence, is not a New Zealand financial advice provider, and is not a registered tax agent.

General information only. This guide doesn't take into account your objectives, financial situation or needs. Before acting on it, consider whether it's appropriate for you.

No Fiduciary Relationship

Reading or using this information does not establish a professional-client or fiduciary relationship. The strategies discussed may not be suitable for your specific financial situation, risk tolerance, or goals.

Risk Warning

Investing involves risk, including the potential loss of principal. Past performance of any security or strategy is not a guarantee of future results. Financial markets are volatile and subject to fluctuation.

Accuracy and Currency

While every effort has been made to ensure the accuracy of the information at the time of writing, tax laws, investment regulations, contribution limits, and market conditions change frequently.

Specific dollar figures (contribution limits, income thresholds) are noted with the year they apply to. Always verify current-year numbers at authoritative sources:

• Australian super caps and rates: ato.gov.au (changes each 1 July)
• Australian money guidance: moneysmart.gov.au
• KiwiSaver and NZ tax: ird.govt.nz (changes each 1 April)
• New Zealand money guidance: sorted.org.nz

Fund References

References to specific investment products (such as VGS, VAS, IOZ, DHHF, VDHG, Smart TWF and Simplicity funds) are used as examples, not recommendations. Comparable low-cost funds are available from other providers. Fees change; check the provider's current product disclosure statement. The author has no financial relationship with any fund provider mentioned.

Consult a Professional

You should consult with a qualified financial adviser, tax agent or accountant, or lawyer before making any significant financial decisions. In Australia, check the adviser is on the Financial Advisers Register. In New Zealand, check they're on the Financial Service Providers Register.

You are solely responsible for your own financial decisions and the consequences thereof.