Q&A - Should Tammy sell, which property, super access and commercial property in SMSF

In this Q&A episode, Stuart dives into some complex and common questions from listeners navigating investment property decisions, superannuation strategies, and long-term planning. Tammy asks whether refinancing an investment loan and increasing an equity release is the best way to fund home renovations and a car upgrade. Stuart explains why selling one of their properties might be a more efficient solution.

Viktor, a long-term Melbourne investor, wants guidance on whether to sell one or more underperforming properties to upgrade the family home or wait for the next property cycle. Stuart breaks down the trade-offs between asset quality, timing the market, and using equity wisely.

Adam asks for clarity on accessing superannuation after age 60 if you stop one of multiple jobs. Stuart provides a simple explanation of the rules and how they apply.

Finally, Norm and Sharee, small business owners approaching 50, are considering using their SMSF to purchase their business premises. Stuart discusses the pros and cons of concentrating super in one asset and the long-term benefits of liquidity and diversification. He also weighs in on their plans to buy a holiday home, explaining ownership structures and strategies to fund it tax-effectively. A rich episode for property owners and planners alike.

Read Stuart's latest book? He's only got 19 reviews on Amazon so far, if Wealth by Design helped you, leaving one would mean a lot: https://www.amazon.com.au/review/create-review?asin=192318654X

Run your own business? 

Check out Business by Design, Stuart and Mena's show on starting, growing and exiting a business, at https://www.businessbydesignpodcast.com/

Our most popular free guides:

Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes.

Download them here

Got a question for the podcast?

Email us at questions@investopoly.com.au

Subscribe to my weekly blog:

Stay connected here

Important

This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.