Is your super fund actually the best one for you? The fund that topped last year’s table is not necessarily the right one for your circumstances. Download our free guide to choosing the best super fund in Australia, built around structure first, investment strategy second. Download Here In recent years, borrowing by SMSFs has increased …
Turn your home loan into tax-deductible debt. Debt recycling lets you pay down your mortgage and invest at the same time, without increasing your total debt. Download our free starter guide for the step-by-step method, a worked example, and the rules that keep your deduction safe. Download Here When I started ProSolution back in 2002, …
If you’ve been following my blogs for a while, you’ll know that I’m a strong advocate for evidence-based investment strategies. Put simply, I only employ investment strategies that have a proven track record – where the evidence overwhelmingly shows that a rules-based approach has consistently delivered strong returns over many decades. This approach gives us …
It’s always fascinating to explore how property prices might move over the coming year. While short-term price fluctuations aren’t particularly relevant for long-term investors, this kind of analysis can be incredibly useful for those planning to sell or buy property in 2025. Last week, I joined James Kirby on The Australian’s finance podcast to dive …
Historically, I’ve often recommended that people repay interest only on investment loans. This approach offers two key advantages: However, interest-only loans now come with a drawback: higher interest rates. On average, the big 4 lenders charge a 0.26% p.a. premium for interest-only loans compared to principal and interest loans. For some borrowers, switching to principal …
In the face of the cost of living crisis and high interest rates, many people have less surplus cashflow (income after expenses) at their disposal. They might have high expenses or large financial commitments that consume all their means. However, if you are fortunate enough to be in a financial position where you have strong …
Owning an investment property within a Self-Managed Super Fund (SMSF) is an appealing prospect for many due to the tax-friendly environment of super. It allows you to pay just 15% tax on rental income and up to 10% capital gains if you sell a property during the accumulation phase. If held until retirement, it can …
I want to dive into a topic we’re often asked about: property versus shares. More specifically, we’ll explore the question, “What level of growth does property need to achieve in order to outperform shares? Many people face this dilemma: should they invest in property or shares? Or, if they already own property, should they sell …
Australia is likely heading for a federal election in May 2025, and as always, housing affordability will be a major talking point. Sadly, these discussions often end up more about rhetoric than effective policy change. However, at some point, a solution will have to be found. For property investors, who typically hold assets for decades, …
If you’re thinking about retiring in the next 5 years, it’s likely that you’ll need to make some key changes, either now or over the next few years. What specific changes are needed, depends entirely on your financial situation. However, there are several common areas that everyone approaching retirement should consider, which I discuss in …
Level 10, 360 Collins Street
Melbourne VIC 3000
Office: (03) 8624 4600
Postal: PO Box 475,
Collins Street West, VIC 8007
advice@prosolution.com.au
© 2026 Prosolution Private Office
You can find our disclaimer, Financial Services Guides, Tax Agency disclosures, dispute resolution policy, CPD policy, and privacy policy here.