Q&A - Smart Property Moves, CGT Timing, and Building Wealth for the Long Term

In this Q&A-packed episode, Campbell tackles a variety of real-life scenarios from listeners navigating property decisions, capital gains tax, and super strategies. He begins by clarifying whether deferring the sale of investment properties until retirement results in meaningful CGT savings, a common assumption he carefully unpacks for Catherine. Elise then asks whether to continue hunting for an investment property, focus on paying off the mortgage, or invest in shares. Campbell shares a practical decision-making framework based on flexibility, returns, and borrowing power.

Next, Matt raises a nuanced estate planning question about SMSFs, wrap platforms, and directing super death benefits into a private trust. He explains the pros and cons of SMSFs versus wrap platforms and highlights which providers support direct access without needing a financial adviser.

Simon’s question on potential CGT exposure after co-purchasing a home with his mother leads to a clear explanation of how CGT applies to partial ownership, even without rental income. Finally, Ray seeks guidance on which of three strategies will best position him and his wife to buy a future family home while relocating frequently for work. Campbell compares ETFs, investment properties, and CGT exemptions, giving Ray a clear path to building flexibility and wealth. A rich episode for strategic thinkers.

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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.