Investing tool
Property versus shares
Projected net wealth, side by side.
Projects the same investable capital into a geared property and a share portfolio and compares net wealth after all costs and tax across the horizon.
Both paths carry their full cost stack: stamp duty, interest, maintenance and selling costs on one side; brokerage, management fees and CGT on the other. The comparison is only fair because nothing is left out.
What you see on screen
In the app this chart is live: every assumption is on screen, editable, and the projection moves as you change it.
Key inputs
- Capital available and gearing on each side
- Property price growth and net rental yield
- Share return split between income and growth
- Costs, fees and both marginal tax rates over time
What it reports
- Projected net wealth on each path, year by year
- Total costs and tax paid on each path
- The crossover year, if there is one
- Sensitivity of the winner to the growth assumptions
Insights it surfaces
Alongside the numbers, the tool writes plain-language findings you can carry straight into the conversation. Example wording, from sample figures:
On these assumptions the geared property finishes $86,000 ahead after 20 years, but the lead does not appear until year 13.
A 0.50% lower property growth rate hands the lead to the share portfolio; the result is assumption-sensitive and the sensitivity tool will show it.
Every tool, every time
Rates and thresholds come from the verified Australian rate set for the selected financial year. Every run can be saved as a scenario against the client, exported as a client-ready PDF or an Excel workbook with live formulas, and carried into an SOA or ROA. A methodology and audit PDF documents the calculation, and every output carries the compliance block.