List what you own. See, at a glance, which of it actually sits inside real protection, and which of it doesn't.
| Asset | Value ($) | Held In | Tied to a Business? | Exposed |
|---|
Start listing your assets above. As soon as you add one, this space will tell you plainly what your list shows.
Not what percentage you are paying, what it actually costs you in real dollars, compounded over the years your money has left to grow.
Use your real balance and your real fee percentage from your last statement, not a guess. Compare it against a genuinely low cost benchmark, most industry super and index options now sit between 0.15% and 0.5%.
Same starting balance, same growth rate, same years, the only difference is the fee.
Enter your real numbers above to see what your fees are actually costing you.
Add every asset you hold and what it ultimately traces back to. Different names do not always mean different risk.
For each asset, note what it is ultimately backed by, a job, a business, a single company's shares, a single industry. Assets that share a backing are not actually diversified from each other, no matter how different they look.
Every distinct backing you entered, grouped, with its share of your total.
Add at least two assets above to see your concentration reading.
List every source of your income and whether it genuinely needs you personally, ongoing, to keep arriving.
For each source, mark it Leveraged if it would keep arriving without your direct, ongoing effort, or Dependent if it genuinely needs you personally to keep showing up.
Add at least one income source above to see your reading.
The same three failures from the case study, checked against your own trust, your own structure, your own risk.
Answer honestly. These are the exact questions that, asked earlier, would have changed the outcome in the case study.
Roughly, what would be exposed if your structure failed the way the case study's did.
Answer all six questions above to see your reading.
A running record of your yearly reviews. Log what you checked, what you decided, and build your own year-on-year history.
See exactly what a franked dividend is worth to you after tax, compared with an unfranked dividend of the same cash amount.
The extra you kept, purely because this dividend was franked instead of unfranked.
See the real dollar gap between reinvesting your dividends and taking them as cash, and between contributing consistently and stopping and starting.
This is what switching your dividends from cash to reinvest is worth over your chosen time frame, before you have added a single extra dollar of your own.
DISCLAIMER Everything on this website, including the books, guides, videos and calculators, is general information only. It doesn’t take into account your personal objectives, financial situation or needs, and it isn’t legal, tax, accounting or financial advice. Dan Cavalli is not a lawyer, accountant or licensed financial adviser. Calculator results are estimates based on the figures you enter and are for illustration only. Before acting on anything you read here, think about whether it suits your own circumstances and get advice from a qualified professional. Dan Cavalli doesn’t accept responsibility for any loss arising from decisions made using this information.