Q&A - Rebalancing super, is property concentration a problem, when should you sell property

In this episode, Stuart addresses a wide range of listener questions, focusing on smart super strategies, investment property decisions, and how to balance financial goals with market realities. Jeff asks whether funds in an offset account with a non-bank lender like Resimac are safe, prompting a discussion on lending structures and risk. Alex seeks clarity on the pros and cons of rebalancing super investment options, while Pierre (alias) returns with a detailed follow-up on reallocating borrowing capacity and how to weigh shares vs. property with a 25-year investment horizon.

Stuart also responds to Graham and Helen, a retired couple with super nearing the cap, who are considering how to best manage their share portfolios, pensions, and investment property. Another listener asks about selling a one-bedroom Brisbane apartment ahead of retirement and using the funds to either build super or invest elsewhere.

Finally, Stuart offers advice to a 34-year-old couple aiming for $2 million in net worth by age 40, debating whether to continue investing in ETFs or buy another investment property in Melbourne. With thoughtful insights on diversification, timing, tax efficiency, and long-term planning, this episode is packed with real-world guidance for investors at every stage of the wealth-building journey.

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IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.