作者：澳洲投资笔记
The A$1,000 standard deduction: check the financial year
The new standard deduction relates to the 2026–27 financial year. It should not be confused with the 2025–26 return many people are preparing in October 2026.
Amex travel insurance: check activation before relying on cover
Holding a card does not tell you everything about the insurance. The exact Australian card, policy wording and method used to pay for the trip matter.
Buying with a 5% deposit: understand the leverage first
A smaller deposit can make the entry threshold look easier. It also means borrowing more and leaving less equity to absorb a change in property value.
Starting ETF investing in Australia: write the plan before buying
A portfolio screenshot is not an investment plan. Begin with when you need the money, how much loss you can tolerate and a contribution routine you can sustain.
ING Savings Booster: the welcome rate and the monthly rules
A headline savings rate is only useful if you qualify for it and can maintain the conditions. The welcome offer, the ongoing rate and the referral reward are three separate things to check.
