Advice for 20s–40s: grow personal capital

Everyone wants passive income but when should it actually be the goal, and what really works once you get there?

Bryce and Ren sit down with their trusted adviser Matt Ingram (Northhaven Financial Management) to cut through the hype. From dividend ETFs to bonds, covered calls, private credit and property, Matt explains how advisers actually think about income.

In this episode:

00:33 Passive income: why everyone wants it

02:07 Balancing the right goal and timing

09:07 The VHY debate: dividends now vs growth first

12:10 Ranking income options: cash, bonds, covered calls & private credit

27:07 Property as “income”: the yield illusion

29:41 Building an income portfolio, tax realities & advice for 20s–40s

📈 Mentioned in this episode:

Vanguard Australian Shares High Yield ETF - VHY

First Trust Smith Opportunistic Fixed Income ETF - FIXD

Betashares Australian Composite Bond ETF - OZBD

iShares Core Composite Bond ETF - IAF

Betashares Australian Investment Grade Corp Bd ETF - CRED

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