Q&A - Navigating Property, Super, and Tax: Smart Moves for the Next Stage of Wealth

In this episode, Stuart answers a wide range of listener questions on property strategy, superannuation, and capital gains tax, each offering a unique perspective on wealth management across different life stages. Jim and his wife are considering whether to upgrade their home now, invest in ETFs, or continue expanding their portfolio through a trust structure. Stuart weighs the options and long-term implications of each. Kayt asks whether a low-fee option like a Vanguard retirement product is a better choice than working with a financial adviser, prompting a discussion on the value (and cost) of advice in retirement.

Andrew raises questions about potential changes to the CGT discount and negative gearing rules, asking whether indexation or rising yields could offset these changes. Stuart also reviews Andrew’s calculations around CGT savings when selling assets with no other income. Penny considers moving investment properties out of her SMSF to a family trust to manage exposure to the proposed $3 million super tax and unrealised gains regime. Stuart unpacks the trade-offs, including CGT and stamp duty.

Whether you're starting to build wealth or managing a significant portfolio in retirement, this episode delivers clear, grounded insights to help you navigate policy changes and strategic decisions with confidence.

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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.