Steve & Andy — February 2026
Investment Playbook
A concentrated AI-tilted strategy for two people who understand the sector. Not a generic financial plan.
01 — Superannuation
One Switch. $123K Difference.
Both on PreMixed Balanced. Both need to switch to Indexed Diversified. This is the highest-certainty move in the entire plan — free, takes 10 minutes, zero downside.
$71,397
Andy — AustralianSuper
$70,094
Steve — AustralianSuper
0.67%
Current fee (Balanced)
0.06%
Target fee (Indexed Div)
Extra compounding over 30 years on Andy's balance alone — from lower fees
+$123,000
Per person. At 8% growth. Fee difference only.
How to Switch — 10 Minutes Each
Do This Week
Steps
- Log in at australiansuper.com or app
- My Account > Investment Options
- Change Investment Option
- Select Indexed Diversified
- Apply to existing balance AND future contributions
Important First
- Check your insurance cover before switching — AustralianSuper includes default life + TPD + income protection
- Add a binding death benefit nomination while you're in there — free, takes 2 minutes, without one the trustee decides
02 — Super Contributions
19.5 Cents Saved Per Dollar
Salary sacrifice is the only guaranteed return in investing — 19.5c saved in tax immediately on every dollar. Start once debt is cleared.
| Andy | Steve | Combined | |
|---|---|---|---|
| Gross salary | $62,500 | $62,500 | $125,000 |
| Employer SG (11.5%) | $7,188/yr | $7,188/yr | $14,376/yr |
| Concessional cap | $30,000/yr | $30,000/yr | $60,000/yr |
| Remaining headroom | $22,812/yr | $22,812/yr | $45,624/yr |
| Suggested sacrifice (post-debt) | $500/mo | $500/mo | $1,000/mo |
| Annual tax saving | $1,170/yr | $1,170/yr | $2,340/yr |
Time-sensitive: You likely have up to ~$114,000 each in unused carry-forward concessional cap space (5 years × $22,812, under Section 291-B ITAA 1997). This window resets annually — every year of inaction loses one year of headroom permanently. Check your exact balance now: MyGov > ATO > Super > Concessional contributions.
Salary sacrifice action: notify Ven payroll to redirect $500/month pre-tax into super once debt is cleared. AustralianSuper provides a standard form.
03 — ETF Portfolio
Concentrated. Intentional. AI-First.
You understand this sector. The portfolio reflects that. RBTZ for pure AI/robotics exposure globally. NDQ for the broader AI infrastructure build — the hyperscalers, the chip companies, the platforms.
RBTZ — BetaShares Global Robotics & AI ETF
NDQ — BetaShares NASDAQ 100 ETF
Why this split
Evidence-Backed
RBTZ — Pure AI Play
- $318M fund, est. 2018 — proven across a full market cycle
- Top holdings: NVIDIA, ABB, Keyence, Intuitive Surgical
- 43% US, 28% Japan, 10% Switzerland — genuinely global
- Catches robotics + physical AI, not just software
NDQ — AI Infrastructure
- NVIDIA, Microsoft, Apple, Meta, Alphabet, Amazon
- These companies are building the pipes AI runs on
- 0.22% fee — lowest cost AI exposure available
- Balances RBTZ's mid-cap robotics tilt with mega-cap stability
0.43%
Weighted avg fee
$500/mo
Auto-invest target
Moomoo
Platform — set and forget
04 — Existing Holdings
Tidy the Portfolio. Keep the Conviction.
Most of what you hold is right. One sell, one upgrade.
NVDA — Nvidia
GOOGL — Alphabet
ARM — Arm Holdings
SFTBY — SoftBank
TSLA — Tesla
QAN — Qantas
BTC + ETH
XRP
Sell QAN + XRP. Everything else stays — your individual picks are good. The total portfolio is already AI-tilted in the right direction. SFTBY is a smart hold: it owns 90% of ARM and manages $60B+ in AI/tech VC investments through Vision Fund. Selling it would be wrong.
05 — The Biggest Asset You're Not Planning For
Ven Agency Hits 15 in 2028.
The ETF portfolio will take years to compound to meaningful size. The business exit will dwarf it — and you're two years from the most powerful tax exemption in Australian law.
Estimated business value (3–6× EBITDA, digital agency benchmarks)
$500K–$2M+
Your largest single asset
Division 152 — 15-Year CGT Exemption
Available ~2028
What It Means
- After 15 continuous years of ownership, complete CGT exemption on sale
- Plus $500,000 each in proceeds contributed to super tax-free (lifetime retirement exemption)
- On a $1M exit: potentially $0 in CGT
- This window opens in approximately 2028
What To Do Now
- Engage an accountant to verify ownership continuity dates
- Ensure ASIC records and share register are clean
- Do not restructure ownership before the clock completes
- Begin informal exit readiness — clean books, recurring revenue documentation
06 — Execution
The Playbook
Sequenced by impact and urgency. Super switch first — everything else follows.
This Week
Check insurance cover inside AustralianSuper (before switching options)
Add binding death benefit nominations on both accounts
Switch both super accounts to Indexed Diversified
Check carry-forward cap balance: MyGov > ATO > Super
Sell QAN — rotate proceeds to RBTZ
Sell XRP — rotate proceeds to BTC
Debt Cleared
Set up $500/mo auto-invest on Moomoo: RBTZ $300 + NDQ $200
$1,000 lump sum each into RBTZ to open the position properly
Lodge salary sacrifice form — $500/mo each via Ven payroll
If before 30 June: make a carry-forward concessional contribution
Next 12 Months
Engage accountant — verify Division 152 eligibility, clean ownership records
Review salary sacrifice — increase as Ven scales
Key-person insurance review for the business
Annually
Review concessional cap usage in MyGov
Increase ETF contributions as income grows
Rebalance RBTZ/NDQ if one drifts significantly
Personal guidance — not licensed financial advice
Super switch this week.
Carry-forward before 30 June.
ETFs once debt is cleared.
Business exit clock is ticking.
Carry-forward before 30 June.
ETFs once debt is cleared.
Business exit clock is ticking.
Built by Charlie. Reviewed by Opus 4.6.
Consult a licensed financial adviser before acting on any super, tax, or insurance decisions.
Consult a licensed financial adviser before acting on any super, tax, or insurance decisions.