Four listeners bring sharp, forward-looking questions. "Tony" wonders whether super recontribution strategies, used to cut the taxable component and reduce death benefit tax, could be the next target for a budgetary hatchet, and asks for Stuart's view without giving the government any ideas.
An anonymous listener, 37, mortgage-free on a rural Victorian property with $300k in cash, feels he's at a genuine crossroads: use a buyer's agent to acquire an inner-Melbourne house and hold, or aggressively invest into ETFs and super toward a $120k perpetual income? Stuart weighs the two paths. Tom, 36, with seven properties and a fast-growing portfolio, asks whether to keep buying with his available equity, whether his ETF choices stack up, whether to sell some property to build shares, and whether to diversify his property-only SMSF into something like VGS.
Finally, Alf poses an intriguing technical question: can you recycle equity from a grandfathered, pre-Budget investment property to buy new assets, and still negatively gear the newly drawn interest, since the underlying property isn't subject to the new rules?
Practical thinking on structure and sequencing throughout, with the usual reminder these are general discussions, not personal advice.
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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.
