Practical Resources for Independent Investors

Building financial awareness takes time and the right materials. We've put together a collection that covers fundamentals through to market analysis—things we wish we'd had when starting out.

Our approach is straightforward. No jargon-heavy theory that doesn't translate to real decisions. Instead, you'll find case studies from Australian markets, breakdowns of common mistakes (we've seen plenty), and frameworks that actually help when you're looking at your portfolio on a Tuesday morning wondering what to do next.

Who Creates These Materials

Two people with different backgrounds who've spent years navigating Australian investment landscapes. Their perspectives shape everything we publish.

Portrait of Ragnar Vestergaard, equity research specialist

Ragnar Vestergaard

Equity Research & Market Analysis

Ragnar came to finance through engineering, which explains his obsession with numbers that tell stories. He spent eight years at a mid-sized fund in Melbourne before realizing he preferred teaching people to fish rather than managing their fishing boats. His materials tend to be data-heavy but surprisingly readable—he's got a talent for turning spreadsheet chaos into actual insights.

Portrait of Siobhan Kilpatrick, behavioral finance expert

Siobhan Kilpatrick

Behavioral Finance & Risk Assessment

Siobhan's background in psychology makes her particularly good at explaining why smart people make dumb investment choices (herself included, as she'll readily admit). After a decade consulting for various Brisbane firms, she shifted focus to education in 2023. Her writing tackles the emotional side of money decisions—the stuff that textbooks skip but accounts for most of our mistakes.

In-Depth Analysis That Actually Helps

We publish long-form pieces every month that dig into specific topics. Recent ones covered dividend imputation (because Australian tax treatment matters), property versus shares for wealth building, and how to read annual reports without falling asleep.

These aren't quick listicles. Expect 3,000+ words, charts that matter, and conclusions that might challenge what you've heard elsewhere. Siobhan's February 2025 piece on confirmation bias in portfolio management got shared around quite a bit—probably because she used her own mistakes as examples.

Ragnar's currently working on something about small-cap opportunities in regional Australia. Should be ready by August 2025, assuming he stops adding "just one more data point."

Investor reviewing financial documents and charts with laptop

Market Behavior During Rate Changes

A look at what actually happened in Australian markets during the last six RBA adjustment cycles. Less prediction, more pattern recognition.

Published March 2025

Understanding Super Beyond the Basics

Your superannuation is probably your biggest investment, but most people treat it like a black box. We opened that box and found some interesting things.

Published January 2025

When Index Funds Don't Make Sense

Everyone loves passive investing these days, and for good reason. But there are situations where the standard advice falls short. Here are four we've encountered.

Published December 2024

Download Our Full Resource Library

Everything we've created since launching in 2024—guides, worksheets, case studies, and templates. Updated monthly with new materials based on what people actually ask us about.

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Portfolio Construction Workbook

A practical spreadsheet template that helps you think through asset allocation without the paralysis. Includes examples from three different risk profiles and life stages. Ragnar built this after watching too many people freeze when faced with a blank investment plan.

Spreadsheet Template Planning Tool Beginner-Friendly

The Bias Checklist

Before making any significant investment decision, run through this. Siobhan created it after noticing the same thinking patterns leading to regrettable choices. It's blunt, occasionally uncomfortable, and genuinely useful.

Decision Framework Risk Management

Australian Tax Considerations Guide

Capital gains, dividend franking credits, and deductions that matter. Written for people who aren't accountants but need to understand how tax affects their investment returns. Last updated for the 2024-25 financial year.

Tax Planning Australia-Specific Updated 2025

Case Study Collection

Real situations from Australian investors (details changed for privacy). What they did, what happened, and what we'd do differently. Sometimes the best learning comes from seeing how things actually play out over time.

Real Examples All Experience Levels