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

Learn about us, get help, share feedback.

TAX STRUCTURES 101 • STEP 3 OF 4

Try It: Interactive Calculators

In theory, theory and practice are the same. In practice, they are not.

Albert Einstein

Plug in YOUR numbers. Compare the investor's view and the business owner's view side by side.

Your Learning Journey

GET READY

SEE IT

TRY IT

CHECK IT

This Step Takes: 20 minutes

Run scenarios with YOUR income and family size, then play the Asset Placement Game.

Why This Matters

Make it personal. See YOUR exact savings with YOUR numbers.

INVESTOR'S VIEW

Tax Structure Calculator

Enter your investment details and see how much more wealth you keep over time by choosing the right structure (personal vs SMSF vs Trust vs Company).

How This Calculator Works

Assumes 8% annual returns and compounds tax drag over your chosen timeframe. Accounts for income tax on earnings, CGT on rebalancing (every 5 years), and reinvestment of after-tax returns. SMSF pension phase shows 0% tax after age 60. Based on 2024-25 ATO tax rates.

BUSINESS OWNER'S VIEW

Business Structure Simulator

Adjust the sliders to match your situation. See real tax calculations for each structure.

How to Use This Simulator

Adjust the sliders below to match YOUR situation. The simulator will show you the exact tax bill for each structure type, using real Australian tax rates.

Your Situation

$200,000
$50k$250k$500k
2
1 (just you)36

Property ownership affects which structure is optimal (trust adds CGT flexibility)

Asset Placement Game

Which assets belong in which structures? Test your knowledge!

🎮 Deal or No Deal: Asset Edition

Drag each asset into the correct structure box. Where should you hold your rental property? Your business? Your Bitcoin? Get all 4 correct to unlock the Asset Master badge!

💡 You can re-arrange assets anytime by dragging them between boxes!

Assets to Place:

Rental Property

$650k investment property

Operating Business

Plumbing business ($200k revenue)

Bitcoin

$50k crypto portfolio

Emergency Fund

$30k cash savings

Personal Name
  • ✓Simple
  • ✓Instant access
  • ✓No setup cost
Click an asset above to place it here
Company
  • ✓Asset protection
  • ✓25-30% tax
  • ✓Perpetual existence
Click an asset above to place it here
Trust
  • ✓Income flexibility
  • ✓CGT discount
  • ✓Estate planning
Click an asset above to place it here
SMSF
  • ✓15% tax (0% pension)
  • ✓Creditor protection
  • ✓Tax-free earnings
Click an asset above to place it here

What You've Learned

Your Numbers Tell the Truth

Generic advice says "trusts are good." YOUR simulator shows exactly how much YOU'd save. That's the difference between theory and action.

Asset Placement Isn't Random

Each asset type has an optimal home. Property in trusts, businesses in companies, long-term investments in SMSF. Now you know why.

Setup Cost vs. Tax Savings

Yes, structures cost money. But if you're saving $20k/year in tax and paying $3k/year in accounting fees, that's still $17k in your pocket.

  • The structure calculator shows how much more wealth YOU keep over YOUR investment timeframe — not generic theory
  • SMSF pension phase 0% tax is the most powerful lever for long-term investors — but requires planning from today
  • Asset placement isn't random: property in trusts, businesses in companies, long-term growth in SMSF

Homework

Reflect

Based on the structure calculator, what is your potential annual tax saving from an optimal structure? What structure would you move to first?

Action

Run the structure calculator with your current investment amount and timeframe. Screenshot your results and share with your accountant this month.

What's Next?

5 minutes

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