Financial Services and Tax Disclaimer

Portfoli AU Pty Ltd does not hold an Australian Financial Services Licence and is not an authorised representative of a licensee.

Nothing in the service is financial product advice as defined in section 766B of the Corporations Act 2001 (Cth). Nothing in it is a recommendation, statement of opinion or report that is intended to influence you in making a decision about a financial product, and nothing in it should be taken as suggesting that any investment is appropriate for you.

In particular, the service does not:

• recommend that you buy, hold or sell any financial product;
• assess whether an investment or strategy suits your circumstances;
• provide a Product Disclosure Statement, Statement of Advice or Financial Services Guide; or
• arrange for you to deal in a financial product, or deal on your behalf.

Charts, allocations, returns and analytics in the service describe what you have recorded. They are descriptive, not advisory.

Portfoli AU Pty Ltd is not a registered tax agent or BAS agent under the Tax Agent Services Act 2009 (Cth), and does not provide tax agent services as that Act defines them.

The service calculates figures that are relevant to Australian tax, including cost base, capital gains and losses, the CGT discount, franking credits and distribution components. Those calculations apply general rules to the data available. They are a starting point for a conversation with your tax agent, not a substitute for one.

Your circumstances change the answer. Whether a CGT discount applies, which shares are counted as sold, how a trust distribution is characterised, whether a holding is on capital or revenue account, whether you are a tax resident, and how an SMSF is treated all depend on facts the service does not know.

You are responsible for what you lodge with the Australian Taxation Office. Have a registered tax agent review your position before you lodge. You can check whether a person is registered on the Tax Practitioners Board (TPB) register at https://www.tpb.gov.au.

Anything the service shows is general information only. Consider whether it is right for you, and check it against your own records, before acting on it.

Where information relates to a particular financial product, you should obtain and read the Product Disclosure Statement and Target Market Determination for that product before making a decision about it.

The service works from the records you enter, the files you upload, and third party market data. Any of those can be incomplete, delayed or wrong.

Figures commonly go out of date or out of step because of:

• corporate actions, such as share splits, consolidations, mergers, demergers, returns of capital, rights issues and buy-backs;
• dividend reinvestment plans and stapled securities;
• off-market transfers, inheritances and in-specie contributions;
• broker exports that omit brokerage, or that report in a different currency or on a different date convention;
• foreign exchange rates and the date on which they are applied; and
• trades you haven’t entered or uploaded.

Check what the service shows against your broker confirmations, holdings statements and dividend statements before relying on it. Where they differ, your source documents are the record, not the service.

Prices and market data in the service may be delayed, may be sourced from third parties, and are provided for information only. They are not live quotations, not an offer or invitation to transact, and not a representation that a price is available to you.

Exchange rates used to convert overseas amounts into Australian dollars are the European Central Bank’s euro reference rates. Source: ECB statistics.

Valuations are only a guide. The amount you would actually get from a sale depends on the market at the time, how many units you sell, brokerage and the gap between buying and selling prices.

Past performance is not a reliable indicator of future performance. The value of investments rises and falls, returns are not guaranteed, and you may get back less than you invested.

Return figures in the service describe what has happened to what you have recorded. They are not a forecast and they are not a promise.

Where you use the service for an SMSF, the trustees remain solely responsible for the fund’s compliance with the Superannuation Industry (Supervision) Act 1993 (Cth), its regulations, the fund’s trust deed and its investment strategy.

The service does not audit the fund, does not determine whether an investment is permitted, does not assess the in-house asset rules, the sole purpose test, contribution caps or pension standards, and does not prepare or lodge the fund’s annual return. An SMSF must be audited each year by an approved SMSF auditor.

The public pages of this site, including the capital gains and dividend calculators and our guides, are general information. They are free, they are not prepared for you, and they are not a tax agent service or financial product advice.

The capital gains calculator works out one sale from the figures you type in. It assumes you are an Australian resident individual, it doesn’t know about your other gains, losses or circumstances, and it doesn’t work out the tax you pay. The dividend calculator projects dividends from the figures and growth rates you type in. It is an illustration, not a forecast: real dividends, prices and franking change, and it leaves out fees and the timing of payments. Nothing you enter in either calculator is sent to us or saved.

Guides describe the law as it stood on the date shown on the page, from the sources listed there. They can go out of date. Check the original source before relying on them.

The service works out capital gains under the rules for sales made up to 30 June 2027, including the 50% CGT discount. From 1 July 2027, under the Treasury Laws Amendment (Tax Reform No. 1) Act 2026, growth after that date is indexed for inflation instead of discounted, for individuals and trusts, and tax on the real gain won’t fall below 30%. Individuals keep the 50% discount for new residential dwellings and affordable housing. Figures for sales from that date need to be worked out under the new rules, and you should not rely on the service for them until it says it supports them.

Tax law, ATO guidance and rates change. We update the service when we can, but a figure may not reflect a change straight away.

The service may contain links to, or information from, third parties. We do not endorse them and we are not responsible for their content, accuracy or availability. Any dealings you have with a third party are between you and that third party.

Nothing on this page excludes, restricts or modifies any guarantee, right or remedy you have under the Australian Consumer Law, the Privacy Act or any other law where the law does not permit it to be excluded. Section 10 of our Terms of Service sets out your consumer guarantees.

If you believe a financial service has been provided to you improperly, you can contact Australian Securities and Investments Commission (ASIC) at https://asic.gov.au. Free financial guidance is available from ASIC’s Moneysmart service at moneysmart.gov.au.