Tax on Your Investments
Tax isn't the fun part, but understanding it is what stops a nasty surprise at return time and can genuinely leave more money in your pocket. This module covers capital gains tax and the 50% discount for holding over a year, how dividends and franking credits are taxed, what happens when you sell, and the basics for property gains and crypto. General info only, not personal tax advice.
8 questions · test yourself first · resources below to fill any gaps
Test yourself first, then learn what you missed
📝 Module quiz
In Australia, holding an investment for more than 12 months before selling can mean only half the capital gain is taxed.
Missed a few? Shore up this module
Here is everything for this module in one place. Start with whatever you got wrong above, or work through the lot if you want the full picture.
📖 Guides to read
Capital Gains Tax in Australia: How It Actually Works
How CGT is calculated: the 50% discount, capital losses, CGT on shares vs property, the main residence exemption, and worked examples.
What Is a Dividend? A Beginner's Guide for Australian Investors
What a dividend actually is, how dividend yield and the ex-dividend date work, and how it connects to franking credits in Australia.
What Are Franking Credits? A Plain-English Explanation
How Australia's dividend imputation system actually works, with a worked example, and how franking credits flow through to you from Australian share ETFs.
Capital Gains Tax on Property: The Plain-English Guide
Capital gains tax on property in Australia: the main residence exemption, the 6-year rule, the 50% discount, and how to calculate your CGT, with a worked example.
Crypto Tax in Australia: The Plain-English Guide
CGT vs income, taxable events, the 50% discount, and the ATO's data matching program, everything Australian crypto holders need to know about tax.
The Tax-Free Threshold Explained ($18,200)
Australia's tax-free threshold is $18,200. Who can claim it, how to claim it from the right employer, what happens with a second job, and how to fix mistakes.
Tax Brackets Australia: How Marginal Tax Rates Actually Work
How tax brackets and marginal rates work in Australia. The 2024-25 brackets, a worked $90k example, effective vs marginal rate, and what Stage 3 changed.
🧮 Try the numbers yourself
🔗 Go deeper with the official sources
- Capital gains tax · Australian Taxation Office
- CGT discount · Australian Taxation Office
- Refund of franking credits for individuals · Australian Taxation Office
- Crypto asset investments · Australian Taxation Office
📚 Recommended reading
Investopoly
Stuart Wemyss
Investopoly
Stuart Wemyss
Melbourne financial adviser Stuart Wemyss boils wealth-building down to 8 clear rules across property, shares and super. A calm, evidence-based playbook for Aussies who want freedom without the guesswork.
Sort Your Money Out and Get Invested
Glen James
Sort Your Money Out and Get Invested
Glen James
From the host of the my millennial money podcast, a step-by-step Aussie plan to fix your spending, clear debt and actually start investing. Practical and refreshingly free of finance-bro nonsense.
Some links above are affiliate links. If you buy through them, Snowball Invest may earn a small commission at no extra cost to you. We only recommend books we'd suggest anyway.