BLOGS

How to choose an investment option in super 

super

The first step to maximising your superannuation balance involves choosing the right super fund. Every year, typically around July or August, I publish a blog where I compare the top super funds and identify the best one/s. This comparison can guide you in selecting the best fund for you.  After selecting the optimal super fund, …

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Property ownership in personal names – factors to consider 

Property ownership

Most investors tend to own property in their personal names. Regarding alternatives to personal name ownership, I have previously explained why I generally avoid using family trusts to own property – primarily due to higher land tax rates and the likelihood of not immediately benefiting from negative gearing. Additionally, last month, I discussed the potential …

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Are property plans worth paying for?  

property plan

Several businesses in Australia provide property planning services. Generally, a property plan starts by evaluating your borrowing capacity and cash flow. It then strategically allocates these resources towards building a property portfolio. This might involve borrowing to purchase multiple properties, diversifying across various property types, and possibly investing in different geographic locations. Typically, these property …

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Rentvesting vs Home Ownership: A Strategic Comparison 

rentvesting

Rentvesting has become an increasingly popular strategy for wealth creation, especially as a response to the challenges of home ownership in major Australian capital cities. This approach involves renting where you desire to live while investing in property. It has emerged as an alternative to traditional home ownership, particularly with the rising issue of housing …

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Property investment company: reduce CGT by 28%! 

CGT

Typically, accountants tend to advise against using a private company structure to hold geared property investments. However, investors shouldn’t automatically dismiss this approach, as it can provide substantial capital gains tax (CGT) savings.  Commonly cited disadvantages of a company ownership structure   There are two main disadvantages of using a company structure for property investment:  Although …

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2025 Federal Budget

2025 Budget

Tonight, the Albanese government released its federal budget for the 2025/26 financial year. Assuming the government is re-elected before the end of May 2025, here’s my clear and concise breakdown of the key announcements: Income tax cuts From 1 July 2026, the income tax rate on earnings between $18,201 and $45,000 will reduce by 1%, …

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