Portfolio Management
Everything you hold, watched live in one place: real value, real risk, real allocation drift, and real technical/macro triggers — synthesized from Quantitative Portfolio Science's own engines. Saved on this device only, never sent anywhere.
Add your first holding to light this up
Everything below — value, risk, allocation, signals — fills in with real, live data the moment you do. Scroll down to the Holdings card to start.
Risk-Reward Gauge
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Allocation & Drift
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Holdings
| Type | Ticker | Shares | Avg Cost | Bought | Price | Day Δ | Value | Weight | Signal | Gain/Loss |
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Portfolio Value — last 12 months
Your CURRENT holdings priced across history — shows what today's positions would have been worth on each past day, not your real historical trading performance (this app doesn't track your actual trade dates/prices).
🏛️ ATO Watch
Top Risk Contributors
Upcoming Dividends
Brokerage Impact
💹 Franking Credits, Capital Gains & Tax
Real numbers from your own holdings run through the real ATO 2026-27 individual tax brackets, Medicare Levy, and CGT rules (verified live against ato.gov.au) — not financial or tax advice, a real calculation to weigh alongside your own accountant.
Franking Credits
Real dividends actually paid over the trailing 12 months by your AU-listed holdings (shares × real payment history), grossed up for franking.
Real ETFs are typically 70–85% franked; direct blue-chip shares commonly hit 100%. yfinance doesn't expose the real per-holding figure, so this one slider applies to all AU holdings — adjust it if you know better for what you actually hold.
Capital Gains Tax (if you sold today)
The real 50% CGT discount applies if you've held a share 12+ months (ATO-verified: excludes the day you bought and the day you'd sell). Set "Bought" dates in the Holdings table above for this to work — holdings with no date are shown separately, not silently assumed either way.
A gain this large could push you into a higher tax bracket than your stated income alone — this uses your stated bracket only, doesn't model that stacking effect. Losses offset gains but aren't carried forward across tax years here. This reflects TODAY's rules — a real, already-legislated change replaces the 50% discount from 1 July 2027 (see the ATO Watch card above for what changes and why it matters).
📘 Investing Under the 2027 CGT Reform
General education on how the mechanics work once the 30% minimum floor lands — not a recommendation for your own portfolio. What genuinely still helps, especially for a lower-income investor who used to rely on a low bracket + the 50% discount:
Unrealised gains aren't taxed at all — the floor only bites on a sale. The old "sell in a low-income year for a cheap rate" trick is gone, so patience is worth more under this rule, not less.
The cost-base indexation benefit scales with years held, not gain size (see the Capital Gains card above). A 20-year hold gets meaningfully more relief than a 3-year one.
Already built into the Capital Gains card above — a genuine loss reduces your taxable gain before any rate is applied, short-term gains netted first.
Super runs under its own separate tax regime (concessional ~15% on earnings, further discounted for 12mo+ gains) that this reform's stated scope — "individuals, trusts and partnerships" — doesn't appear to touch. Not independently re-verified here; confirm with an accountant, since preservation age and contribution caps are personal.
Franking credits are untouched by this reform and cash-refundable for low/no-tax investors. A quality dividend-payer tilt sidesteps the 30% floor issue for that income stream entirely.
An actively-traded managed fund can pass CGT events to you without you selling anything. Buy-and-hold index ETFs minimise forced realisations you didn't choose.
This is general information about how the rules work, not personalised advice for your situation — for an actual decision, talk to a licensed financial adviser or accountant who knows your full picture (income, super balance, Centrelink status, and more).
Watchlist
Tickers you're keeping an eye on but don't own yet.
| Ticker | Price | 1Y Change | Signal |
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🔐 Encrypted Backup
Your holdings and watchlist live only on this device. Back them up to Dropbox, Google Drive, or a USB drive with a passphrase-encrypted file — unreadable to anyone without your passphrase, including us. There is no password reset — if you forget the passphrase, that backup file can't be recovered.