Ripper Wealth Cycle Analysis
+ Full Platform Access
Quarterly newsletters and your AI Wealth Coach for cycle-aware Australian investors. Tax tips, scenario simulations, and what I'm actually doing with my portfolio.
Choose Your Plan
Same features, different billing. Pick what works for you.
Both plans include AI Credits, the AI Scenario Simulator, and CGT-aware tools. What does that mean? ↓
All prices in AUD. GST included for Australian residents. Cancel anytime.
WHAT YOU GET
Full platform access, in one place
Cycle insights, AI tools, and Ripper Wealth's quarterly analysis — all connected to your profile.
Track where you stand in the cycle
Live indicators (M2, percentile rank, Fear and Greed) update daily so every scenario is cycle-positioned.
Run scenarios with AU tax baked in
The AI Scenario Simulator factors CGT, the 12-month discount, super, and structure choice. No generic outputs.
Get Ripper Wealth's quarterly playbook
Macro snapshot, trigger dashboard, tax corner, and Ripper Wealth's portfolio moves this quarter and why. Delivered four times a year.
Ripper Wealth Quarterly
Macro Snapshot
Where are we in the global cycle? M2, RBA moves, and what it means.
Trigger Dashboard
Key indicator signals and extreme ratio opportunities this quarter.
Tax Corner
Quarterly AU tax tips, CGT dates, and structure reminders.
Ripper Wealth's Portfolio Moves
What Ripper Wealth changed this quarter, why, and what we're watching next.
Illustrative layout; member emails differ by quarter.
Ask your AI Wealth Coach
Cycle-aware chat grounded in live data and your profile. Starter prompts include the macro-cycle question most members ask first. Each message uses 1 AI credit.
Full Platform Access
Both plans include everything below
Live Dashboard
Cycle indicators, M2, Fear & Greed
AI Scenario Simulator
What-if projections with AU tax
Quarterly Newsletter
Ripper Wealth's cycle analysis and trigger updates
Tax-Smart Tips (AU)
CGT, dates, structure insights
Action Plans
Quarterly checklists by cycle position
Community Q&A
Your questions answered each quarter
Education Library
Wealth Cycles, Methodology, Compare Assets
Portfolio Updates
Ripper Wealth's quarterly portfolio moves and rationale
AI Wealth Coach
Cycle-aware chat, uses AI credits
THE RECEIPTS
We tested both AIs with the same prompt
Same wording, same minute, same question — 24 April 2026.
The prompt
“I'm 35, Australian, running an SMSF in accumulation phase. Is Bitcoin historically cheap right now, and how would a 10% BTC allocation fit given current M2 liquidity and Australian SMSF rules?”
M2 liquidity
"Global M2 has continued expanding (~10%+ YoY)"
from training data — directionally wrong
BTC valuation
"Calling Bitcoin historically cheap purely on M2 right now is a stretch"
vague — no indicators cited
SMSF sizing
"10% is reasonable but must be justified"
no portfolio-size guidance provided
Forward context
No historical base rate provided
can't cite data it doesn't have
M2 liquidity
"M2 Money Supply: −2.2% YoY contraction"
live data pulled at time of reply
BTC valuation
"99th percentile · Mayer Multiple 0.75 · Z-score −1.76"
4 named on-chain indicators with numbers
SMSF sizing
"$200k → $20k · $500k → $50k · $800k → $80k · DCA $800–$4,800/mo"
concrete ranges across 3 portfolio sizes
Forward context
"Median 1-yr forward return +424% (224 historical cycle positions)"
with explicit variance caveat
Notice something?
ChatGPT told our test user global M2 is expanding ~10%+ YoY. Actual current M2: −2.2% (contracting). That is directionally backwards — because ChatGPT's knowledge ends at its training cutoff, not today. An investor acting on that framing would make a macro decision on stale data they have no way of knowing is stale.
Illustrative test captured 24 April 2026 from free-tier ChatGPT (temporary chat, browsing off) and Ripper Wealth's AI Scenario Simulator. Actual replies shown above. Educational content only — not personal financial advice. Past data does not guarantee future results.
THE DIFFERENCE
Why Ripper's AI ≠ a Generic Chatbot
Same question, different inputs. Here is what we bring to every simulation.
| Generic AI(ChatGPT, etc.) | Ripper Wealth AIPurpose-built for AU | |
|---|---|---|
Historical market data | Frozen at training cutoff — no live price data and no asset-specific date ranges | 10,000+ signal records · all updated to today S&P 5001871 → today · 150+ years · Shiller dataset Gold1968 → today · 55+ years · World Gold Council Silver1968 → today · 55+ years · LBMA / FRED BitcoinJan 2009 → today · Full history since genesis block ASX 2001992 → today · 30+ years · ASX / Refinitiv AU Residential2002 → today · CoreLogic / ABS national data |
AU tax rules | Generic, often imprecise — no jurisdiction-specific rules | CGT 12-month discount, SMSF contribution caps, franking credits, state stamp duty — aligned to current ATO rules |
Macro cycle context | None built in — answers ignore where we are in the cycle | M2 liquidity, Fear & Greed Index, and percentile rank across 50+ indicators — every simulation is cycle-positioned, not just time-weighted |
Your profile | Forgotten every session — starts from zero each conversation | Learning profile Completed modules, knowledge level, learning path stage, quiz scores Financial profile Goals, risk tolerance, investment timeframe, persona type, asset preferences |
Scope | General-purpose — same answer for a student in Nebraska and an SMSF trustee in Queensland | AU wealth + tax only — narrow scope means deeper, more accurate answers for Australian investors |
Shows its working | Black box — no visibility into sources or reasoning | Every response links back to the lesson, dataset, and methodology behind it — you learn the framework, not just consume an answer |
Model freshness | Free tiers use older or smaller models — you upgrade or pay more to access the flagship | Always runs Anthropic's current flagship Sonnet + Opus tier — we manage version upgrades so the cycle analysis, tax reasoning, and simulator commentary automatically improve as Claude advances |
Bottom line
A free chatbot can explain general concepts. A purpose-built AU tax and cycle engine can show you what those concepts mean for your specific situation — backed by live data, current ATO rules, and transparent methodology. That is what turns generic output into a decision-grade education tool.
Educational tool — simulations are based on historical data and do not constitute personal financial advice. Past data does not guarantee future results.
What Our Members Say
Real feedback from Australian investors
"The concept keeps you on track and helps block out the noise. The holistic market analysis is useful. I wish I had it when I first got into investing."
Jamie T.
Australian investor • NSW
"Enabling users to download their data is a first I have seen, and loud and clear, not hiding behind small fonts. Also, love the light-hearted tonality used for the danger zone."
Sushiv M.
Australian investor • QLD
Built by an investor, for investors
Built by Ripper Wealth
I moved to Australia in 2010 and spent the next 15 years learning how wealth and markets actually work: through stocks, precious metals, crypto, property, and more than a few hard lessons. I couldn't find a platform that explained it all clearly in Australian context, so I built one. Ripper Wealth is that platform: education first, no conflicts, no black boxes.
- 10+ years studying wealth cycles and macro economics
- Personally invested using these principles since 2018
- Australian-based, Australian tax context
Frequently Asked Questions
Common questions about billing, features, and access
How it works
Plain-English definitions for the terms used above.
- Cycle Analysis / Wealth Cycles
- Recurring patterns in asset prices driven by liquidity, sentiment, and macro cycles. Used to position decisions, not predict tops or bottoms.
- Cycle-aware
- Decisions framed by where we sit in the cycle today, using indicators like M2 liquidity, percentile rank, and Fear and Greed.
- AI Credits
- The unit you spend on AI features. 1 credit = 1 chat message; 4 = scenario simulation; 6 = deep analysis. Quarterly plan starts with 300; annual with 500 per quarter.
- AI Scenario Simulator
- What-if engine that runs your scenario across 50+ historical cycle positions, factoring AU CGT, super, and structure rules.
- CGT (Capital Gains Tax)
- Australian tax on investment profits. The 12-month discount halves the rate; SMSF and structure choice changes the outcome significantly.