Changing the ownership of a property is typically cost-prohibitive. This is mainly due to the potential stamp duty and capital gains tax liabilities that can arise. Therefore, it’s vital to carefully consider the ownership structure right from the start. Once you’ve made that decision, it is likely that you will have to live with the …
Personal insurance premiums for products such as income protection, life insurance, total and permanent disability (TPD) insurance, and trauma insurance have seen significant increases over the past decade. It’s not uncommon for these premiums to rise anywhere from 5% to 30% each year. Insurance is essential when the financial risk is too great to ignore. …
CoreLogic reported that the total value of Australian property stands at an impressive $11 trillion, surpassing the combined worth of all listed companies on the Australian Stock Exchange by more than five times. Despite this staggering figure, financial advisors have typically concentrated their efforts on shares, bonds and superannuation, often treating property as an afterthought. …
Not sure your super fund still stacks up? We update our best super fund report every year so you always have the current answer. Get the free report and the four-factor framework we use with clients. Download Here In Part 1 of this blog topic, I discussed the various options for investing your superannuation including …
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 A lot of Australians are eager to ensure …
There’s an endless stream of news articles discussing the economic factors that influence property prices: interest rates, unemployment, the supply of new homes, rezoning, and population growth – just to name a few. Having followed the property market closely for more than two decades, I have two observations to share. First, I’d love to have …
The main difference between property and shares lies in the depth and reliability of historical data. The share market offers extensive and dependable data, making it a valuable resource for financial decision-making. In contrast, property data often lacks the same level of reliability due to various factors, which I discuss below. Therefore, when making decisions …
I recently listened to this podcast hosted by James Kirby where he interviewed his guest about the increasing cost of financial advice. Many financial advisors’ ongoing fees start at $5,000 per year. Due to a shortage of advisors in Australia, most advisors now focus on ongoing client relationships and do not offer once-off or occasional …
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 There has been a lot of commentary …
When an investor first borrows to buy an investment property, almost always the rental income does not cover the associated expenses, including loan repayments. This means the investor will need to cover any shortfall out of their pocket each month. While you can claim a tax deduction for this shortfall (known as negative gearing), it …
Level 8, 31 Queen 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.