Ripper Wealth

Foundations

Before you invest, get your house in order. Set goals, track cash flow, and build emergency reserves.

What To Own

Understanding asset classes and their roles in a balanced portfolio.

Why It Works

Historical context, wealth cycles, and the economic principles that drive markets.

AI-Powered Education

Cycle-aware tools backed by institutional-grade research

How To Execute

Profile-specific strategies. Content varies based on your persona (PAYG, Business Owner, Property/Crypto/Stock Investor, etc.).

When To Adjust

Timing and signals. Know when to buy, sell, or hold based on market cycles.

More

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AUSTRALIAN INVESTOR COMPARISON

Bitcoin (BTC) vs ASX 200 (Australian shares)

Bitcoin and the ASX 200 are two very different assets. Bitcoin has dramatically outperformed over 10+ year periods but with extreme volatility. The ASX 200 offers steadier returns, income via franking credits, and easier access via super. This page compares them using Australian context.

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Bitcoin (BTC)

Pros

Highest long-term return of any major asset class (historical)
Fixed supply — 21 million coins
No counterparty risk if self-custodied
Halving cycle historically drives long-term appreciation
Globally liquid — trade 24/7

Cons

Extremely volatile — 70–80% drawdowns in bear markets
Regulatory risk in Australia and globally
No income (no dividends, no yield)
Complex tax treatment (CGT event on every disposal)
Self-custody requires technical knowledge
Typical return: ~100–200% p.a. in bull years; –70–80% in bear years
Liquidity: High — buy/sell on exchanges 24/7
AU tax note: Every disposal (sale, swap, spend) is a CGT event in Australia. 50% discount applies after 12 months. ATO classifies Bitcoin as an asset, not currency.
AU context: ETFs on ASX: IBTC, BTCC. Direct: CoinSpot, Swyftx, Kraken AU. Self-custody: hardware wallets.
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ASX 200 (Australian shares)

Pros

Income from dividends (4–5% average yield)
Franking credits offset AU tax
Well-regulated, lower volatility than crypto
Easy to hold inside super
Long track record (100+ years of data)

Cons

Lower growth ceiling than Bitcoin historically
Heavy weighting toward banks and miners
Returns tied to Australian economy
Real returns modest after inflation in flat decades
Typical return: 7–10% p.a. total return (capital + dividends, historical)
Liquidity: High — trade on ASX during business hours
AU tax note: Dividends taxed as income (but franking credits offset). CGT on capital gains with 50% discount after 12 months.
AU context: VAS and A200 are the lowest-cost ASX 200 index ETFs. The ASX has high franking credit density vs most global markets.

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Common Questions

Has Bitcoin outperformed the ASX 200 historically?

Over long periods (5+ years from any purchase point after 2013), Bitcoin has historically outperformed the ASX 200 — but with dramatically higher volatility and maximum drawdowns of 70–85% from peak. The ASX 200 has delivered more consistent, lower-volatility returns with income from dividends. Past performance is not a guarantee of future results.

Can I hold Bitcoin inside super in Australia?

Not through most retail super funds. However, self-managed super funds (SMSFs) can hold Bitcoin directly or via ETFs like IBTC or BTCC listed on the ASX. Holding Bitcoin inside super means gains in accumulation phase are taxed at 15% rather than your marginal rate.

How is Bitcoin taxed in Australia?

Bitcoin is classified as a capital gains asset by the ATO — not currency. Every disposal is a CGT event, including selling, swapping for another crypto, or spending. If you hold for more than 12 months before disposal, the 50% CGT discount applies. Mining and staking rewards are generally treated as ordinary income at the time of receipt.

Educational comparison only. Bitcoin is a high-volatility asset. The ASX 200's historical returns do not guarantee future performance. Neither is suitable for all investors. This is not financial advice.

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Other comparisons

ETF vs Property →SMSF vs Personal →

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