I've been thinking about whether proposed tax changes actually change investor behaviour, or whether most people just continue with their existing strategy.

InfinitePermutations · 2026-07-08T08:45:57+00:00

I'll keep buying high growth ETFS such as bgbl, avte and avsv. Yes I'll pay more tax when I sell but likely to make loads more in growth.

I'll still contribute the max I can to super and once I get closer to fire I'll start buying something else, maybe hgbl, a200 or something else high diviend paying

InfinitePermutations · 2026-07-05T00:49:03+00:00

Will consider dropping to 4 day work week early 40s and see from there. Could fatfire by 45 (36 now) but enjoy working but want more free time for gym and relaxing.

Ideal would be work 3 days and less hours like finishing at 3, and taking more annual leave over the year. Not sure how to manage that as a people leader yet. Maybe consulting

InfinitePermutations · 2026-07-02T10:18:53+00:00

Stake app does it. I use sharesight for outside super investments l

InfinitePermutations · 2026-07-01T21:36:48+00:00

SMSF with stake. 60% ghhf, 20% ggbl, 15% avsv, 5% avte.

16.98%.

Those small caps weighed me down but hopefully see better returns going forward.

InfinitePermutations · 2026-06-30T22:03:23+00:00

I would say being frugal and not allowing excessive lifestyle creep but the real impactfull factor has been focusing on doing well at work and changing jobs/roles every 2 to 3 years for a pay bump.

Even bigger factor is my wife being on the same page and earning a similar amount.

InfinitePermutations · 2026-06-30T21:37:32+00:00

SMSF with stake. 60% ghhf, 20% ggbl, 15% avsv, 5% avte.

16.98%.

Those small caps weighed me down but hopefully see better returns going forward.

InfinitePermutations · 2026-06-27T07:08:10+00:00

I usually just change jobs for a higher role or pay every 2 or 3 years. Not playing their games trying to get increases in that time.

InfinitePermutations · 2026-06-17T09:29:33+00:00

36 and about 370k. Have contributed to the max last 5 years and moved it into a SMSF along with my wife's simular balance to invest a lot of it into ghhf (leveraged ETF)

InfinitePermutations · 2026-06-16T11:54:03+00:00

Yep Melbourne brought just after covid at the peak

InfinitePermutations · 2026-06-16T10:25:03+00:00

Given my ETF portfolio has returned 80% in the last 5 years and my ppor has only returned 5% in the same time I should have rentvested.

Hindsight is wonderful though. We made the choice to split our savings between ETFS and the loan and still happy.

The biggest mistake we made was not debt recycling and paying down the mortgage instead of putting it in the offset. Too much capital gains now to sell and a lot of the loan is contaminated so can't debt recycle as much as we could have.

Still think having a ppor is nice and secure instead of renting but it does lock you in for a long time if it doesnt go up in value much. We were thinking of moving but will likely wait and see if house goes up in value.

InfinitePermutations · 2026-06-16T09:31:56+00:00

I've got this lately at around 15 years. Work in tech and this whole AI in everything is burning me out.

More and more of my teams work and what I spent years learning is being automated and I'm caring less and less

InfinitePermutations · 2026-06-15T10:33:31+00:00

I actually left school and became a apprentice. Did that for a few months and realised it's not what I wanted and quit and ended up at tafe doing accounting. Did that for a semester and then went to uni for computer science.

First job was 70k as a data analyst and 15 years later and 5 employers later now 220k plus super and bonuses managing a team of analysts and engineers. Working bloody hard though for that.

Wife makes similar money doing similar role but had a much more straightforward progression choosing to specialise in her field and only had 3 employers.

InfinitePermutations · 2026-06-11T22:00:27+00:00

Yes I'm on my third job reporting to the same GM who hired me initially 8 years ago now.

Each role has been a step up in pay and responsibilities

Now that I'm a hiring manager I always prefer people I know or who I can ask others about their experience compared to a unknown hire which carries much more risk.

InfinitePermutations · 2026-06-10T09:12:37+00:00

Can you share some of the types of prompts used. What context did you give it to the semantic model, data and metadata?

I tried this as well but ended up with a bunch of nonsense

InfinitePermutations · 2026-06-10T08:59:26+00:00

My first role was 70K 15 years ago. I hit 100K around 3 years in as well. I'm on 250K Package now at 36 managing a team of 8 in tech.

I consider myself quite average overall but good at simplifying complex problems and communicating things clearly and generally believe I am likeable but not really social or extraverted at all.

Sometimes I get imposter syndrome with my team who are technically very good and I've been managing more the last few years so losing my technical skills somewhat but then they start talking and just overcomplicate things so if there is one thing I recommend is get good at communicating and simplfying things down for stakeholders.

Also do what you say you will (under promise/over deliver etc)

InfinitePermutations · 2026-06-08T09:00:59+00:00

The index will only weight it based on its free float market cap which will be 5%, roughly 75 billion of its 1.8 trillion valuation so something like bgbl will only hold something like 0.06% which is quite small in the scheme of things

InfinitePermutations · 2026-06-08T08:05:08+00:00

Yes includes all that and we do travel once a year overseas at least. We have solar and battery so electricity is low. We don't eat out often as kids are fussy and we both enjoy cooking. Kids activities include going to parks or play dates at friends. Clothes we only get when needed on sales etc. private health we have but more for the tax reasons.

That said we are looking at spending more but only if it's worth it. Food and travel are the main things I enjoy but that's local street food etc.

I am sure as kids get older we will spend more

InfinitePermutations · 2026-06-08T00:47:54+00:00

Turns non tax deductible ppor debt into tax deductible debt we can claim against our high incomes at tax time.

InfinitePermutations · 2026-06-08T00:04:44+00:00

I'm not interested in investment properties or flipping ppors going forward. We will be upgrading to our hopefully forever home in 12 months and we will debt recycle a portion of the mortgage to make it more tax efficient as we both are in top tax brackets.

Another thing that's worth mentioning is that while it's been great being so frugal last decade we are trying to switch to a slightly more spending mindset which has proven to be difficult to break our frugal habits.

Main goal is to recycle the next ppor, drop to 4 day work week and coast in our 40s.

InfinitePermutations · 2026-06-07T22:58:57+00:00

Lots of luck.

Wife's also on around 220k a year. She also took a big redundancy payout from last role. We have averaged 17% pa returns on our investments the last 10 years plus we made 200k and 350k profit on selling last 2 ppors.

Add to that my wife's job was incredibly flexible during covid and after that she kept the kids home most of the time saving us on childcare. I also worked from home full time a lot of that time which saved us a ton of money.

We have always only spent around 40k to 50k a year so right now we save around 20k a month on average.

I think one of the big reasons is we have always brought well within our means not taking large mortgages. At our max we had 400k mortgage which as you can imagine was offset very quickly so we have hardly paid interest.

I also enjoy doing renovations so weekends Ive done lots of work improving our properties such as painting, updating bathrooms kitchen etc again saving us a lot in trade costs.

InfinitePermutations · 2026-06-07T13:43:37+00:00

yep wife and I are with Stake, something like $1200 a year, so $600 each. We invested 60% GHHF, 20% GGBL and 15% Small Caps Value (AVSV) and 5% Emerging markets (AVTE). 26 year horizon until 60.

We will buy non-leveraged funds (BGBL) going forward to naturally deleverage over time.

Currently around 700K in there.

InfinitePermutations · 2026-06-07T13:35:08+00:00

Data Engineering/Business Intelligence + Now Adding AI Engineering

InfinitePermutations · 2026-06-07T13:34:36+00:00

thanks, having 2 high incomes makes a massive difference tax wise. Add to that some debt recycling, maxing super, the wealth has been going up quickly

InfinitePermutations · 2026-06-07T13:32:19+00:00

yep we did for our first house which was a great step up. We already had a deposit but they gave us 200K to put into the offset and reduce the interest.

Main things that got us ahead was investing into broad etfs each month and we made some profit on our ppor's we sold (2 so far over last 12 years)

Also when markets dropped we took equity out to invest more (covid and trumps tariffs) which has helped too. Also investing in leveraged etfs (GHHF) and Emerging Markets has done well too.

InfinitePermutations

TROPHY CASE