Project the growth of your investments with compound returns, regular contributions, and estimated Capital Gains Tax impact for Australian investors.
CGT Estimate (optional)
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Australians can invest in shares (ASX), managed funds, ETFs, property, bonds, and other assets. Returns include both capital growth and income (dividends or interest).
The S&P/ASX 200 has returned approximately 9–10% p.a. over the long term (20+ years) including dividends reinvested, but with significant year-to-year volatility. Past returns do not guarantee future results.
In Australia, capital gains are included in your assessable income and taxed at your marginal rate. However, if you hold an asset for more than 12 months, you are entitled to a 50% CGT discount — meaning only half the gain is taxable.
Australian companies often pay franked dividends — dividends that come with a tax credit for company tax already paid. These credits can reduce your tax bill or be refunded if you're in a low tax bracket.
Investment bonds are tax-paid investment vehicles. If held for 10 years, withdrawals are tax-free. Useful for education savings or estate planning.