Podcasts about smsfs

With tax time approaching, ATO Assistant Commissioner Anita Challen explains why Australians should avoid lodging returns too early and how waiting for pre-filled information could help prevent delays and costly mistakes. Plus Stockspot CEO Chris Brycki speaks with Ricardo Gonçalves about how the latest changes to SMSFs may influence the sharemarket.With tax time approaching, ATO Assistant Commissioner Anita Challen explains why Australians should avoid lodging returns too early and how waiting for pre-filled information could help prevent delays and costly mistakes. Plus Stockspot CEO Chris Brycki speaks with Ricardo Gonçalves about how the latest changes to SMSFs may influence the sharemarket.

Most investors are still reacting to the headlines. But buried in the fine print? The biggest tax overhaul in 26 years, with holding behaviour and investment structures already starting to reshape how property decisions are made. Property accountant Jeremy Iannuzzelli joins Kev Tran on the KTG Property Podcast to break down what the federal budget actually means for Australian investors and why the window to act strategically may be closing fast. Negative gearing, capital gains tax (CGT), trusts, and self-managed super funds (SMSFs) – every major lever is being adjusted at once, and investors who fail to adapt risk being left behind while others quietly reposition. The duo explains that changes to negative gearing could reshape investor behaviour by encouraging longer hold periods and tightening supply in key markets, while the return to indexation-style CGT calculations could materially alter long-term strategy around exits and portfolio restructuring. Attention then turns to trusts and SMSFs, with the pair highlighting a noticeable shift toward superannuation structures as investors search for more tax-efficient ways to continue building property portfolios. Despite the uncertainty, Iannuzzelli argues the investors who stay strategic and deliberate, rather than reactive, will be the ones best positioned to navigate and potentially benefit from the next phase of the market.

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As Australia’s post-Budget property debate shifts from fear to decision-making, Bushy Martin tackles the question now dominating investor conversations: what should you actually buy? After weeks of headlines about negative gearing, CGT changes and the “death” of property investing, this episode cuts through the noise and reframes the conversation around what really matters — building the strongest usable net nest egg, not simply chasing the lowest tax bill. Because the Budget hasn’t killed property investing, it has simply exposed weak investing. In this final instalment of Bushy’s special post-Budget series, the conversation moves beyond policy panic and toward practical strategy. This is not another dense tax discussion. It is a real-world decision filter for investors trying to work out where to put their money in a changing market. Bushy compares the major investment pathways now fighting for investor attention — established residential property, qualifying new builds, PPOR strategies, rentvesting, SMSFs, commercial property, ETFs, shares and speculative assets — through one consistent lens: What genuinely builds sustainable freedom? Along the way, he dismantles one of the biggest traps investors fall into during periods of change: confusing tax efficiency with wealth creation. Because tax is not the meal, it’s the seasoning. Bushy explains why established residential property is becoming harder to hold but is far from dead, why new builds may receive better treatment without automatically becoming better investments, and why investors chasing the latest “tax-effective” strategy risk creating long-term wealth problems instead of solving them. He also dives into the realities many Australians are now wrestling with:Is the PPOR really the best investment?Does rentvesting still work?Are SMSFs and commercial property genuine opportunities or simply the latest spruiker pivot?Can shares and ETFs realistically compete with leveraged property investing for mainstream Australians? At the centre of the episode is Bushy’s evergreen decision-making framework: B.E.S.T. N.E.S.T. A practical investing filter designed to help Australians assess any opportunity, regardless of asset class, through the lens of holdability, sustainability, flexibility and real-life usability. Because the real goal is not building the lowest tax bill, it is building the strongest life. Timecoded Chapters 00:06:05 — Chapter 1: The Question Has Changed00:12:51 — Chapter 2: The $750K Money Map00:22:34 — Chapter 3: Established Residential Property00:33:30 — Chapter 4: Qualifying New Builds00:44:52 — Chapter 5: PPOR & Rentvesting00:56:50 — Chapter 6: SMSF & Commercial Property01:06:25 — Chapter 7: Shares, ETFs, CFDs & Crypto01:16:38 — Chapter 8: B.E.S.T. N.E.S.T. Test01:25:43 — Chapter 9: Action Map & Disclaimer Key Takeaways The Budget has not killed property investing — it has killed lazy, tax-dependent investing Lowest tax does not automatically equal the best long-term outcome Holdability is becoming the new investor edge Established residential property is harder to hold, not dead New builds only work if the underlying asset stacks up fundamentally The PPOR is not automatically an investment strategy Rentvesting still works with stronger modelling and buffers SMSF and commercial property require sophistication, not hype Shares and ETFs are complementary assets, not enemies of property B.E.S.T. N.E.S.T. provides a timeless framework for smarter investing decisions Take the next step with Bushy Personal Solutions Session Get clarity and personalised guidance: Book now Property W.E.A.L.T.H Program - live now! Be first to access discounts + free Module 1: Find out more https://courses.bushymartin.com.au/property-wealth Find your Freedom Formula Success in property starts with your 'why', and then the 'what' and 'how'. Let me, Bushy Martin, lead you through it! Sign up for my Freedom Formula program. The first session is absolutely free, and it only takes around an hour! Find out more https://bushymartin.com.au/freedom-formula-course Subscribe to Property Hub for free now on your favourite podcast player. Take the next step - connect, engage and get more insights with the Property Hub community at linktr.ee/propertyhubau Get property investment and wealth resources, and book a Personal Solution Session with Bushy. All the links and info are here: linktr.ee/propertyhubau About Get Invested, a Property Hub show Get Invested is the leading weekly podcast for Australians who want to learn how to unlock their full ‘self, health and wealth’ potential. Hosted by Bushy Martin, an award winning property investor, founder, author and media commentator who is recognised as one of Australia’s most trusted experts in property, investment and lifestyle, Get Invested reveals the secrets of the high performers who invest for success in every aspect of their lives and the world around them. Subscribe now on Apple Podcasts, Spotify and YouTube to get every Get Invested episode each week for free. For business enquiries, email andrew@apiromarketing.com. This content provides general information only and has been prepared without taking into account your objectives, financial situation or needs. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.See omnystudio.com/listener for privacy information.

With proposed changes to negative gearing and capital gains tax rattling investors across Australia, the property market is entering a period of major uncertainty. From falling borrowing power to shifting investor strategies, brokers are already seeing the effects ripple through lending, property demand, and portfolio planning. Broker Daily's Julian Barnes is joined by Finni's Eva Loisance and Costa Arvanitopoulos to break down how the federal budget reforms could reshape the investment landscape, including the impact on servicing capacity, lender policy changes, and why more investors are now turning towards SMSFs, commercial property, and alternative lending structures. The trio also unpack declining auction clearance rates, the possibility of rising rents, concerns around investor pullback in key growth markets like Perth and Brisbane, and whether the government's housing policies could end up worsening Australia's ongoing supply and affordability crisis.

Joining Blake and Tracey this week is a very special guest — Kate Cooper, CEO of OKX Australia. Kate's spent more than a decade across media, financial services, and digital assets, and has become one of the most respected voices in the Australian crypto industry.There's a lot to cover this week, so let's get straight into it:

Most property investors are about to make a costly mistake – panicking over policy changes that aren't even finalised, as uncertainty starts driving behaviour more than the market itself. Here is how to stay focused. On The Smart Property Investment Show, host Liam Garman and Easy Super founder Natalia Clack break down the latest federal budget and the growing anxiety around proposed changes to negative gearing and capital gains tax discounts. The discussion highlights how a lack of detail in early policy announcements is fuelling confusion, leaving investors to make decisions based on speculation rather than facts. They warn that so-called "mum and dad" investors could be most affected, as changes aimed at wealthy property holders risk flowing through to everyday portfolios. The episode also explores why self-managed super funds (SMSFs) are emerging as a potential alternative structure, offering tax advantages but requiring greater responsibility and strategy. The duo warn investors not to react too early as policy continues to shift, with the biggest risk right now being action taken without clarity. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

With the federal budget sending shock waves through the property market, brokers and investors are scrambling to understand what sweeping changes to negative gearing and capital gains tax could mean for borrowing power, property values, and the future of investing in Australia. Broker Daily's Julian Barnes is joined by Finni's Eva Loisance and Costa Arvanitopoulos to unpack the fallout from the proposed reforms, including collapsing investor servicing, shifting lender policy, and the growing move towards SMSFs, commercial property, and alternative lending strategies. The trio also examine falling auction clearance rates, the risk of rising rents, and whether the government's housing agenda is solving affordability or making the supply crisis even worse.

With the ink now drying on the Federal budget, it seems what most thought was going to be a quiet night for the super sector has in fact opened the door on a number of new issues and concerns. In this episode of the SMSF Adviser Show, Keeli Cambourne is joined by co-host Aaron Dunn from Smarter SMSF to unpack what the proposed tax reforms mean for SMSFs. Listen as they discuss Negative gearing and borrowing CGT changes and investment structure How trusts and estate planning may be affected What should trustees and advisers be considering going forward

Australia just gave Bitcoiners another reason to wake up: if you don't control your money, someone else will.In this first Sat Signal panel, Adam Hudson is joined by Sean Clarke, Will Wright AKA Crypto Will, and Bisher Khudeira from Stormrake to unpack what they see as a major shift for Australian crypto investors and Bitcoiners.They dig into the proposed changes to capital gains tax, AUSTRAC reporting, the FATF travel rule, Bitcoin mining, self-custody, SMSFs, bank controls, and why more Australians are starting to look for ways to protect their wealth outside the traditional system.Want to learn Bitcoin the safe and simple way?

Australia just gave Bitcoiners another reason to wake up: if you don't control your money, someone else will.In this first Sat Signal panel, Adam Hudson is joined by Sean Clarke, Will Wright AKA Crypto Will, and Bisher Khudeira from Stormrake to unpack what they see as a major shift for Australian crypto investors and Bitcoiners.They dig into the proposed changes to capital gains tax, AUSTRAC reporting, the FATF travel rule, Bitcoin mining, self-custody, SMSFs, bank controls, and why more Australians are starting to look for ways to protect their wealth outside the traditional system.Want to learn Bitcoin the safe and simple way?

The 2026–27 Federal Budget dropped May 12... and within 24 hours, accountant Jeremy Iannuzzelli, buyer's agent Simon Loo, and mortgage broker Morgan Bushell were live with host Todd Sloan to break it down in real time.   Negative gearing limited to new builds. CGT discount replaced with cost based indexation and a 30% minimum tax. A split calculation system for anyone who holds past 1 July 2027. And none of it has cleared the Senate yet, so what should you actually do right now?   The panel cuts through what these changes mean for your borrowing power, which structures are now in the crosshairs, and why the window before 1 July 2027 could matter more than most investors realise. Simon makes the case for affordable housing in major capitals as the most resilient play. Jeremy explains why companies and SMSFs are becoming the go to investment vehicles. Morgan breaks down the lending reality, and it's not the doomsday scenario you may have seen in the headlines.   The rules have shifted. The fundamentals haven't. Watch before you make your next move.    

Most property investors think finance is just about getting a loan approved.   But in today's environment, that thinking can quietly cost you hundreds of thousands of dollars… or worse, stop you from growing your portfolio altogether.   Because the rules have changed. Lending policies are tighter, serviceability is harder, and one wrong move can lock you out of future opportunities.   So today, Dorian Traill, wealth strategist at Metropole, joins me  and we're unpacking how sophisticated investors are navigating finance in this new world.   We explore how understanding lender policies can enhance your borrowing capacity and investment strategies.   We discuss the impact of regulatory changes on lending and how to adapt your finance approach.   And we look at some of the benefits and challenges of using trusts and SMSFs for property investment.   Takeaways   Strategic risk management is key to financial growth. Aligning with lender policies boosts approval chances. Trusts and SMSFs offer unique investment opportunities. Avoid cross-collateralization to preserve flexibility. Early investment maximizes long-term growth. Tailored finance strategies enhance wealth building. Understanding lender buffers is crucial. Separate loans for properties reduce risk. Re-amortizing loans can ease financial stress. Partnering with a strategist unlocks potential.   Links and Resources:   Answer this week's trivia question here - https://www.propertytrivia.com.au/ •        Win a hard copy of How to grow a multi-million dollar property portfolio in your space on. •        Every entry receives a copy of a fully updated Michael Yardney Property Report.   Join Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.   Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us.     Dorian Trail – Senior Wealth Strategist at Metropole. https://metropole.com.au/expert/dorian-traill/   Michael Yardney – Subscribe to my Property Update newsletter here     Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au   Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.   About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia   The Michael Yardney Podcast helps Australians build financial independence through strategic investing, wealth creation strategies and smart property decisions.   We go beyond property headlines to discuss:   • Building long-term wealth • Creating intergenerational wealth • Passive income strategies in Australia • Asset allocation and portfolio growth • Financial freedom through property • Strategic investing for professionals and business owners • Risk management and wealth protection • Structuring your investments for capital growth • Money management and financial habits   If you want to move from earning an income to building assets that fund your lifestyle, this podcast will help you think and act like a successful investor.   Discover more insights at:https://propertyupdate.com.auhttps://metropole.com.au

When you hire a property advisor, there's an assumption built into that decision: you're getting expertise, guidance, and some level of protection if things go wrong. But how much of that protection actually exists—and where does it break down?In this episode, we unpack the role of Professional Indemnity (PI) insurance in property advice, and what it really tells you about accountability, risk, and the quality of advice you're relying on.Joining us is Polina Kesov, an insurance specialist with over two decades of experience working behind the scenes on claims, risk, and policy structures. Together, we explore the blurred line between “execution” and “advice,” why many buyer's agents and property investment advisors may not be properly covered for the services they're offering, and how something as simple as a policy exclusion can leave both advisors and clients exposed.We also dive into why claims in property advice are so rare—not because everything is working, but because proving loss is complex, delayed, and often not actionable. From cookie-cutter strategies and disclaimers to the growing use of AI in advice, this episode breaks down the structural gaps that most investors never see until it's too late.If you're relying on professional guidance to make high-stakes property decisions, this conversation will change how you assess risk. Because in property, it's not just about whether the investment performs—it's about what happens if the advice behind it doesn't.Episode Highlights04:17 — Can Property Advisors Actually Get Covered?06:01 — What Makes a Property Advice Claim Valid?09:25 — Repeat Offenders and the Lack of Transparency11:42 — Marketing Hype vs Where Advice Crosses the Line16:10 — How Claims Impact Insurance Renewals21:01 — Real Claims Against Buyer's Agents Explained24:55 — Why Insurers Act as Hidden Risk Partners27:52 — How to Choose the Right PI Insurance Cover29:58 — What a Certificate of Currency Really Tells You31:44 — Why You Must Verify Advice Scope in Writing33:40 — Multiple Claims: A Major Red Flag35:45 — Licensing Gaps and Disclosure Obligations37:57 — AI Advice: Who's Liable When It Goes Wrong?39:38 — What Questions Should You Ask an Advisor?41:14 — Why Property Advice Claims Stay So Low47:47 — SMSFs and Trusts: Where Advice Gets Risky50:14 — Vicarious Liability: How Risk Spreads Fast53:22 — Key Takeaways Every Investor Should KnowAbout the GuestPolina Kesov is an insurance advisor with over 20 years of experience working alongside Australian businesses on risk, claims, and insurance coverage. Specialising in professional indemnity, she has a deep understanding of how advisors are assessed, insured, and held accountable when things go wrong.Throughout her career, Polina has worked closely with professionals across the property, finance, and advisory sectors, giving her a unique, behind-the-scenes perspective on how claims are evaluated and where systems succeed—or fail. Her expertise extends beyond policy setup into real-world outcomes, including how insurers interpret liability, manage disputes, and determine whether a claim is paid.Known for her practical, no-nonsense approach, Polina is passionate about improving awareness around risk and helping both professionals and consumers understand the fine print that often gets overlooked. Her insights offer a rare look into the mechanics of protection in the property industry—where assumptions don't always match reality.Connect with PolinaLinkedIn - Polina KesovLinkedIn - Insurance Insights AustraliaWebsite - Insurance Insights AustraliaInstagram - Polina KesovResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.auEnjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3r0nnJrLUu3t1GpO7X3j6EIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

Interest rates, borrowing power, and lender scrutiny are shifting fast – but while many focus on rates, it's borrowing power that's quietly killing more deals and becoming the real battleground in property. On The Smart Property Investment Show, Phil Tarrant sits down with Finni Mortgages broker Rebecca Carlson to discuss why finance – not property – is now the biggest hurdle for investors. Carlson reveals that tighter lending, shrinking borrowing capacity, and tougher scrutiny are catching investors off guard, especially those trying to scale or use structures like SMSFs and trusts. She explains that while SMSF lending is still very much alive, it now comes with heavier compliance, deeper checks, and far less room for error – meaning only well-prepared investors are getting deals across the line. The episode also exposes how smart investors are stress-testing their portfolios, building buffers, and planning for further rate hikes before lenders force their hand. As local and global economies shift, the experts are clear: in today's market, the winners aren't just finding the right property – they're the ones who can actually get the loan. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

This week on UTH, Emma and co-host Lee-Ann Hayes are joined by Mark Ellem, head of SMSF education at Accurium, to bust some myths about Division 296 and chat through some of the technical specifics of the recently passed bill. Tune in to hear more about: Mark's career journey and how he got to where he is today. Common Div 296 myths. The bill's unexpected impacts on estate planning. How Div 296 has affected technical complexity in SMSFs. Mark's advice for high-net-worth individuals. You can contact the Accountants Daily team and podcast host Emma at emma.partis@momentummedia.com.au.

In this episode of the SMSF Adviser Show, hosts Keith Ford and Aaron Dunn unpack the proposals that would see SMSFs included in funding the Compensation Scheme of Last Resort (CSLR) and why the approach to Division 296 post-death earnings attribution is a fraught proposition. A flurry of consultations flowed this week as the government seeks to address the fallout from the Shield and First Guardian collapses, with the exploding cost of compensation now putting pressure on the government to find new areas to cover the costs and SMSFs are firmly in the conversation. Tune in to hear: Whether there is any reasonable basis for including SMSFs in funding the scheme. Why the draft Div 296 regulations on post‑death earnings attribution are a death tax by stealth. What else is in the early responses to the draft regs.

On the Money Café this week, Alan Kohler and Stephen Mayne discuss developments in the Middle East involving Donald Trump and Iran, run through the upcoming AGM mini-season, examine the situation at ARN with Kyle & Jackie O, and answer listener questions on childcare, capital gains tax, SMSFs, housing and more. Special offer for Money Café listeners: Intelligent Investor Essentials for $297. Includes Alan Kohler’s Weekend Brief, subscriber podcasts, and more, plus a Money Café cap and 3 months Premium. Sign up at moneycafe.com.au. (T&Cs apply)See omnystudio.com/listener for privacy information.

SMSFs are no longer a niche play; they're fast becoming a go-to strategy for Australians chasing control and property-backed wealth, but with complexity and risk involved, doing it right is what makes the difference. On The Property Nerds podcast, Arjun Paliwal and Jack Fouracre are joined by Natalia Clack from Easy Super to break down why SMSFs are gaining traction and how to approach them properly. Since COVID-19, more Australians have been waking up to the power in their super, seeking greater financial control and long-term wealth, and moving beyond traditional super funds. With $4.6 trillion in super and property making up a major share of household wealth, SMSFs offer a direct pathway into the market, but the panel warns many investors are jumping in without fully understanding the rules, risks, or strategy required. The discussion highlights how borrowing through SMSFs can amplify both outcomes and mistakes, making strategy, compliance, and cash flow planning non-negotiable. The hosts make it clear that SMSFs aren't a shortcut; they're a structured strategy that demands education, planning, and the right advice. For those who get it right, SMSFs can be a powerful wealth-building tool – but for those who don't, the risks can be just as significant as the rewards.

Steve Palise sits down with Liam Carmody  to break down the pros and cons of buying property through a self-managed super fund. They cover how SMSFs actually work from setup through to purchase, what finance looks like inside super, the differences between buying residential vs commercial, and why so many investors are shifting toward commercial property in their SMSFs right now. Liam also shares his own SMSF investment story, including what he bought, where, what it's worth now, and his plan to turn a $260K super balance into a serious portfolio through strategic buy-sell-upgrade cycles.What We CoverHow SMSFs actually work (and what they cost) Obtaining finance inside an SMSFWhy commercial is overtaking residential in SMSFs The tax stuff (not financial advice) The contract and bare trust setup Don't sacrifice property quality for a tax saving Key TakeawaysYour super fund is another bucket of money that's not yours right now anyway. The question is whether you're maximising it while you've got the time.Most people overestimate what they can do in the short term but vastly underestimate what they can do in the long term. You don't need to find a unicorn. The stuff that was yielding 6% at the time hasn't performed the way his "boring" 5% net yield asset has.If you're buying residential in super, have a clear exit plan. At some point it's never going to give you cash flow, so you'll have to sell it in retirement anyway.SMSF Disclaimer: The information provided in this video is for educational and informational purposes only and does not constitute financial, investment, legal, or taxation advice. Self-Managed Super Funds (SMSFs) are complex financial structures subject to strict Australian Tax Office (ATO) regulations, compliance obligations, and eligibility requirements. Any strategies or information discussed should not be acted upon without first seeking independent advice from a licensed financial adviser, registered tax agent, accountant, and/or legal professional who can assess your individual circumstances. Past performance is not indicative of future results. The hosts and contributors of this content are not responsible for any financial decisions made based on the information presented. Always conduct your own due diligence before making any investment decisions.HOSTED BY:Steve PalisePh: 0403 878 497Email: steve@paliseproperty.comLinkedIn: https://au.linkedin.com/in/steve-paliseCONNECT WITH LIAM Liam CarmodyEmail: liam@paliseproperty,comLinkedIn: https://www.linkedin.com/in/liam-carmody-06b10172/ ResourcesGet FREE access to the Commercial Property Institute course -  CLICK HEREGet FREE access to the Residential Property Institute course - CLICK HEREGet your FREE copy of Commercial Property Investing Explained Simply - Use discount code PODCAST CLICK HEREGet your FREE Commercial Property Paydown Calculator CLICK HERE Follow Palise Property on FACEBOOK for Free Tips Tricks & Insights CLICK HERE

Holistic Estate planning is widely considered as being 'so hot right now' for many advisers. Business succession planning, as part of holistic estate planning, is arguably becoming the 'go to' value add for many advisers. This session will explore the key ways financial advisers, accountants, risk advisers and other lawyers can leverage View's facilitated business succession planning platform to monetise their offering; while managing risk. With updated content for 2026, the webinar will explore the latest iterations available for advisers wanting to facilitate or project manage product delivery in areas such as:    insurance funded buy sell deeds  all forms of non-insurance funded agreements (including shareholder, partnership agreements and property owners deeds) interplay with wider offerings (including trust succession and estate planning) Stapling of arrangements across multiple entities annual business succession planning health check For access to more webinars and resources join one (or all) of the View Communities. Reminder to View Community members – join us in the FaceBook group for a deeper conversation about this topic and how you can leverage your learnings for your customers. Not a member? Learn about View's online mastermind communities below to see which one (or three) suits the needs of you and your business. Techniview: For advisers working in holistic estate planning (including trusts, asset protection, superannuation, tax and business succession)  Adviewser: For advisers wanting to facilitate legal solutions for their customers in holistic Estate Planning  Viewruption: For professional service providers wanting to iterate their business model (including abandoning timesheets) Related articles and resources: PODCAST: #104 – Securing succession of SMSFs as part of an estate plan  PODCAST: #76 – Adviser Facilitated Business Succession Planning: The Steps for Success    Listen to View's previous episodes here. 

In this episode of the SMSF Adviser Show, hosts Keith Ford and Aaron Dunn are joined by SMSF Association CEO Peter Burgess and Adelaide University's Dr George Mihaylov to break down new research that compares the performance of SMSFs to that of APRA funds. By applying the same methodology used for APRA funds to a dataset covering more than 400,000 SMSFs, the study delivers a more accurate, "apples with apples" view of sector performance, underscoring the role of advice and diversification in outcomes. Tune in to hear: How investment performance of SMSFs and APRA funds stack up. Why there is a much larger variance in performance among SMSFs. The benefits that advisers are able to deliver, particularly for low-performing funds.

In this episode of The Property Nerds, hosts Arjun Paliwal and Jack Fouracre unpack how self-managed super funds (SMSFs) are no longer a niche strategy, with investors increasingly using their retirement savings to actively build property wealth. They note that this shift is being fuelled by a combination of investor control, rising sophistication, and a growing appetite to use super as a direct property investment vehicle. However, they warn that greater freedom is also bringing greater complexity, particularly as SMSF lending rules evolve and more lenders enter the space with competing products and structures. At the same time, the rise of non-bank lenders is reshaping the market, stepping into gaps left by traditional banks and offering more flexible, tailored lending solutions for investors. The duo points to key innovations such as higher loan-to-value ratios and longer commercial loan terms, which are changing how investors approach leverage and portfolio growth. They also broke down how residential property is often used as the entry point for SMSF investors, while commercial property is increasingly viewed as the long-term wealth-building strategy within super. Despite the opportunity, they stress that navigating the space requires careful planning, as borrowing capacity, income structures, and lender policies can significantly impact outcomes. Ultimately, they argue that SMSFs and non-bank lending are converging to create a new era of property investment, one where strategy and structure matter more than ever.

In this episode of The Smart Property Investment Show, host Phil Tarrant sits down with Rob Le and Eva Loisance from Finni Mortgages to explore the growing role of self-managed super funds (SMSFs) in property investment. The discussion opens on the current lending landscape, with debt-to-income (DTI) ratios potentially limiting borrowing, though Le notes the property market remains active as investors pursue pre-approvals via SMSFs, personal names, or trusts. Loisance explains the mechanics of SMSF lending, including serviceability and liquidity tests that require a portion of the loan to remain in liquid assets post-settlement, though some lenders are more flexible. The trio highlights key SMSF lenders, including Granite, BMM, AMP, RedZed, and Firstmac, noting their differing criteria and levels of conservatism. Loisance and Le emphasise the importance of understanding serviceability versus DTI ratios to maximise borrowing potential. They advise consulting financial planners and accountants to navigate contributions, liquidity requirements, and regulatory rules effectively. Finally, while SMSFs offer a way to continue property investment and strategies like leasing commercial properties back to a business, professional guidance is essential to manage higher interest rates, loan-to-value (LVR) ratio limits, and compliance considerations. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

In this episode of the SMSF Adviser Show, hosts Keith Ford and Aaron Dunn sit down with Andrew Inwood, global CEO of CoreData, to explore how SMSFs are evolving and the structural shift from accumulation to decumulation. Inwood explains that SMSFs are moving into a "next wave" of growth and maturity, with technology, changing member expectations, and an enormous looming intergenerational wealth transfer all reshaping the sector. Tune in to hear: Why younger, wealthier cohorts are increasingly starting SMSFs. The central role SMSFs will play in how capital is managed and deployed. Why the industry needs to articulate a clear, positive narrative about SMSFs' role in delivering better retirement and intergenerational outcomes.

In this week's Friends With Money episode, host Ryan Johnson speaks with financial adviser David Sharpe, chair of the Financial Advice Association Australia FAAA) about how to react to a sudden windfall—from $100,000 to $1 million, $10 million and even $1 billion.Sharpe advises first confirming the money is real, then slowing down to avoid emotional decisions, and keeping the news private (limited to a spouse and trusted professionals).They discuss balancing lifestyle spending with long-term goals, and how priorities shift by amount and life stage: using $100,000 for a home deposit or improving retirement cashflow, weighing debt repayment by interest cost (credit cards first; student debt is typically lower-cost), and the tax advantages versus access restrictions of superannuation.00:38 First steps after a windfall: Verify, pause, and avoid emotional moves01:53 Who to tell (and who not to): Keeping your windfall private02:33 Spend vs save: Building a plan that matches what you value04:00 Windfall playbook: What to do with $100,00005:05 Debt, HECS and priorities: Paying down the right loans first06:13 Superannuation trade-offs: Tax benefits vs access to your money07:30 If the $100k came from selling an investment: Reinvesting and tax08:05 Scenario two: How $1 million changes the plan09:43 Mortgage vs shares: Tax smarts, borrowing back and debt recycling11:43 Inheritance checks: Asset types, CGT and what you actually keep12:21 Scenario three: $10 million—Financial freedom, purpose and relationships14:26 Trusts and SMSFs explained: When structures help (and when they don't)16:06 Intergenerational wealth transfer: Common estate and entity mistakes18:00 Just for fun: What to do with $1 billion (and the responsibility)Podcast Links:Listen on Apple PodcastsListen on SpotifyMoney WebsiteYouTube Podcast PlaylistEmail Us: podcast@moneymag.com.auGet stories like this in our newsletter: bit.ly/3GDirbR

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth tackle why CBA and BHP are both crushing it right now, plus the shocking SMSF boom: 42,000 new funds established in FY25, with the average NEW trustee age dropping to just 47 (vs 61 for existing funds). Why are younger Australians rushing to SMSFs, and 80% doing it without advisers? The Boomer Briefing covers ASIC's major crackdown on dodgy lead generators selling your details to financial advisers, how to spot ethical vs unethical lead generation, and what retirees need to know about being targeted with rollover offers. Plus: How retirees can use AI like Claude in their financial lives, and whether old-fashioned companies are better during market selloffs. Today's big question comes from "Ma & Pa Bank" - a 50-year-old couple with a mortgage-free family home and an investment property, wanting to help their late-teen kids buy homes in 5-8 years. How can they use their property equity or the investment property itself to help their children significantly before they're ready to gift cash in retirement? What creative strategies work without destroying their own financial future? Drew and James explore the biggest mistakes parents make (helping too much, too soon), the critical questions to answer first (how much can you actually afford?), and the real-world strategies that work vs the ones that sound good but wreck retirements. If you like this Australian Retirement Podcast episode on ASIC's lead generator crackdown and helping kids without wrecking your retirement, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: CBA & BHP crushing it - What's driving the performance? SMSF boom explained - 42,000 new funds in FY25, average NEW trustee age drops to 47 Why young people rushing to SMSFs - 80% set up without advisers ASIC cracks down on lead generators - How dodgy companies sell your details, what's ethical Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the SMSF Adviser Show, host Keith Ford is joined by Robert Talevski, CEO of Webull Securities Australia, to explore how technology and global markets are reshaping advice and SMSF investing. Talevski argues that if trustees and advisers go to the effort of running a self‑managed fund, they should be thinking beyond simple passive exposures, while still respecting client risk profiles, retirement horizons and the extra admin burden inside super. Tune in to hear: Why the bigger opportunity may sit with companies using AI rather than building it. How ETF use is evolving toward active, thematic and outcome‑focused products. The value of advisers looking offshore for opportunities and global diversification.

Welcome to Tax Tuesday with Anthony Wolfenden from Positive Tax Solutions.This week, we unpack the latest version of Div 296 — the proposed new superannuation tax that has been reintroduced to Parliament for the third time under the “Building a Stronger and Fairer Super System” reforms.Often dubbed the “Voldemort Tax,” Div 296 has undergone major changes since its original 2023 proposal. In this episode, we break down what's changed, what's improved, and what high-balance super holders must do next.What Is Div 296?Div 296 introduces an additional tax on individuals with total super balances above $3 million.Under the revised proposal:• Balances between $3M and $10MAn additional 15% tax on earnings above the thresholdTaking the effective rate to 30%• Balances above $10MAn additional 20% tax on earnings above that thresholdTaking the effective rate to 40%Importantly, this tax is proportional — it only applies to the portion of earnings above the relevant threshold.The Three Major Fixes in the New BillAnthony explains how the updated version addresses three critical flaws from the original draft:1. No More Retrospective TaxationA cost-base reset allows SMSFs to revalue assets to market value as of 30 June 2026 — creating a clear “line in the sand.”2. No Tax on Unrealised GainsThe revised version removes the controversial tax on unrealised capital gains. Now, capital gains tax only applies when assets are actually sold.3. Indexation AddedThe $3M and $10M thresholds will now be indexed to inflation — reducing the risk of inflation dragging more Australians into the regime over time.Why 30 June 2026 Is CriticalIf you have an SMSF or a super balance approaching $3 million, 30 June 2026 is one of the most important dates on your financial calendar.Before that date, you should:• Obtain accurate, evidence-based market valuations of all SMSF assets• Ensure your cost base is correctly reset• Review whether restructuring or rebalancing is required• Consider contribution splitting or spouse strategies where applicableYour valuation is your shield. It determines how future capital gains are calculated under the new rulesWho Is Driving This?The reforms are being introduced by the Australian Government and regulated through the Australian Taxation Office, which oversees compliance within superannuation.Who Should Pay Attention?• Individuals with balances near or above $3M• SMSF trustees• Investors in pension phase with high balances• High-income earners planning long-term super growthFor most Australians, this tax won't apply. But for those nearing the threshold, proactive planning is essential.Final TakeawayThe bill is significantly improved from its original form — but it still introduces a meaningful shift in how large super balances are taxed.If you're close to the threshold, now is the time to:• Speak with your accountant• Review your SMSF valuations• Model future growth• Consider strategic adjustments before the deadlineBecause while having $3 million in super is a great problem to have — paying unnecessary tax on it isn't.Catch you next Tax Tuesday.

In this episode of The Smart Property Investment Show, host Liam Garman sits down with Paul Mollica of Wealthkey Property to discuss how he rebuilt a $7.7 million portfolio after a divorce. After losing most of his assets in the separation, Mollica re-entered the market in 2022 with settlement funds and quickly amassed a 14-property portfolio in just over three and a half years, generating more than $370,000 in annual rental income.  He attributes the rapid growth to strategic decision-making, diversified purchasing structures, self-managed super funds (SMSFs), and disciplined risk management, stressing that investors need a clear plan, the right asset selection, and the flexibility to adapt to changing market conditions. Mollica encourages Australians over 50 to consider using equity or savings to invest rather than focusing solely on paying down a mortgage, which can deliver stronger retirement outcomes.  For younger buyers, the duo cautions against purchases driven by the fear of missing out (FOMO), and urges them to prioritise financial education while exploring alternatives such as rentvesting.  Drawing on his experience as a former financial planner, Mollica highlights the importance of integrating traditional financial strategies with property investment.  Finally, Mollica and Garman discuss the buyer's agency landscape, stressing that effective agents focus on client outcomes, market research, and genuine value rather than just sales. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

In this episode of The Property Nerds podcast, the co-hosts – Arjun Paliwal and Adrian Lee from InvestorKit and Jack Fouracre from Fouracre Financial – discuss rental yields, borrowing capacity, and smarter investment strategies. The conversation opens by focusing on how investors often overemphasise rental yield, risking tunnel vision and missing high-growth opportunities. The hosts explain that chasing slightly higher yields may only marginally increase borrowing capacity while limiting market options and extending the property search timeframe. They emphasise that capital growth should take priority, particularly in the early stages of building a property portfolio, even if it means accepting short-term negative cash flow. The podcast also highlights the psychological factors influencing investors, including habits formed during low-interest periods and the need to adjust mindsets for today's market. Self-managed super funds (SMSFs) are explored as an investment vehicle, with more lenders offering competitive products and higher loan-to-value ratios, presenting diversification opportunities. The trio stresses the importance of a holistic approach, combining strategic planning, income growth, and professional advice to achieve long-term investment goals.

Property investing has rarely looked more seductive—or more dangerous. In this episode, Veronica and Chris unpack the growing gap between how property portfolios are being sold and how risk is quietly stacking up beneath the surface. As regulators tighten lending rules and banks pull back, the question isn't whether the rules are changing—it's whether investors are paying attention.The conversation dives deep into aggressive lending practices now under scrutiny: trust lending, SMSF borrowing, equity extraction, and the promise of “instant equity” through optimistic bank valuations. Veronica and Chris challenge the idea that buying multiple properties fast is a strategy, exposing how many portfolios are built on valuation certificates rather than fundamentals—and what happens when interest rates rise, rents soften, or lending conditions tighten.They also examine the uncomfortable incentives driving this behaviour: buyer's agents rewarded for volume, brokers pushed to maximise borrowing capacity, and everyday Australians—often in their late 40s and 50s—being sold complex structures they don't fully understand. From regional markets distorted by borderless buying to SMSFs loaded with illiquid property, the risks are not theoretical—they're already unfolding.This episode is a warning shot. If your strategy relies on constant refinancing, rising valuations, or ever-looser lending, this conversation will force you to rethink it. Because when the cycle turns, the consequences won't be shared evenly—and paper equity won't save you.Episode Highlights00:00 — Introduction to Property Investing Risks01:11 — Regulatory Crackdown on Risky Lending01:46 — The Role of Buyer's Agents and Brokers03:19 — Trust Lending and Self-Managed Super Funds12:19 — Instant Equity and Market Manipulation18:40 — The Pitfalls of Following Bad Advice24:28 — Questionable Advice from Buyer's Agents25:32 — Judging Awards and Industry Practices26:16 — Vulnerable Investors and Risky Promises27:13 — APRA's Role and Investor Lending Trends29:31 — Superannuation and Property Investments35:32 — Private Lending and Market Risks42:53 — Cross Collateralization and Loan Structuring48:54 — Conclusion and Final WarningsAbout the HostChris Bates is a mortgage broker and co-founder of Alcove, working with clients across Australia to help them navigate complex property and lending decisions. Known for his data-driven approach, Chris specialises in long-term strategy, lending structures, and helping buyers avoid costly financial mistakes.Veronica Morgan is a buyer's agent and property strategist with nearly two decades of experience advising owner-occupiers and investors. With a background in research, data analysis, and on-the-ground buying, Veronica is widely respected for cutting through market noise and focusing on fundamentals, risk, and long-term outcomes.Together, they bring a practical, evidence-based lens to Australia's property market — challenging assumptions and unpacking what actually matters.ResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers

In this episode of The Smart Property Investment Show, host Phil Tarrant is joined by Finni Mortgages principal Eva Loisance, along with brokers Costa Arvanitopoulos and Rebecca Carlson, to unpack standout property deals from 2025 and the strategies behind them. The discussion highlights how transparency, strategic planning, and creative financing can transform client outcomes, from first home buyers using the 5 per cent deposit scheme to investors leveraging self-managed super funds (SMSFs) to expand their portfolios. Loisance emphasises the importance of trust, warning against "financial infidelity" where undisclosed debts or hidden expenses can derail applications. Carlson shares examples of clients achieving ambitious property goals, while Arvanitopoulos illustrates how innovative solutions, such as debt consolidation and lenders mortgage insurance (LMI) waivers, can improve cash flow and unlock additional investment opportunities. The brokers stress the value of aligning with a knowledgeable professional who can navigate complex lending landscapes and maintain pre-approvals, particularly during high-opportunity periods like the holidays. The team demonstrates how brokers do more than facilitate loans; they provide strategic guidance, uncover opportunities, and help investors achieve meaningful, long-term success in the property market. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

In this episode of The Smart Property Investment Show, host Alex Whitlock is joined by Ross Le Quesne and Darsan Keshav to discuss navigating Melbourne's property market through a self-managed super fund (SMSF) and broader investment strategies. Whitlock shares his first SMSF purchase, highlighting Melbourne's potential for long-term capital growth despite recent market stagnation. Le Quesne explains the benefits of SMSFs, including opportunities for leverage and a favourable tax environment, while also noting the regulatory complexities involved. Keshav provides insights into Melbourne's current market, identifying growth pockets in the western and northern suburbs with strong rental yields and undervalued properties. The conversation includes a case study of Whitlock's St Kilda apartment purchase, showcasing strategic bidding, prime location, and careful analysis of comparable sales. The hosts also explore opportunities in other major cities like Brisbane and Sydney's surrounding areas, advising a focus on demographic and economic fundamentals over regional hotspots. Diversification within a property portfolio is emphasised, with a mix of locations and property types mitigating risk and enhancing potential returns. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

In this episode of The Property Nerds, hosts Arjun Paliwal, Adrian Lee, and Jack Fouracre explore the complex financial roadblocks experienced investors face and how strategic planning can unlock new avenues for growth. The hosts start the conversation by reframing tax as a sign of financial progress, not a burden, by spotlighting a standout client case in which a maxed-out investor unlocked additional borrowing capacity by moving a commercial property into a self-managed super fund (SMSF). The shift freed up debt and transformed a stalled $3 million portfolio into one capable of adding a further $2 million commercial asset. The hosts also tackle the psychological hurdles many investors face, especially the reluctance to sell assets without understanding their true after-tax position. Another scenario reveals how transitioning from a large residential base into commercial assets can better support long-term passive income goals. They further highlight the limitations of relying solely on banks, arguing that brokers and strategic advisers can restructure portfolios through tools like trusts and SMSFs to unlock opportunities that traditional lending channels overlook.

In this episode of The Smart Property Investment Show, host Phil Tarrant is joined by Costa Arvanitopoulos from Finni Mortgages to unpack Macquarie Bank's retreat from trust and company lending and the rising role of self-managed super funds (SMSFs) in property investment. They explain that Macquarie's move, driven by tighter anti-money laundering (AML) scrutiny and concerns over spruikers using trusts to dodge serviceability rules, signals a broader shift in how lenders view complex structures. While this may disrupt investors who use trusts for tax and asset protection, borrowing in personal names remains available, and other lenders are expected to fill the gap. Against this backdrop, Tarrant and Arvanitopoulos highlight SMSFs as a more mainstream and increasingly popular vehicle for property investment. Arvanitopoulos notes that SMSFs let investors use their super to buy property without impacting personal borrowing capacity, which is particularly useful for those already maxed out in their own names. He explains that SMSF lending focuses on fund contributions, rental income and, for business owners, company financials to prove serviceability. The duo also flag the limitations and tax settings around SMSFs, including no equity release, no major renovations, and higher tax rates on very large balances. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

This week on UTH we are joined once again by Miriam Holme and David Perrott of FAB Tax to chat about all things SMSFs and superannuation – what you can do, what you shouldn't do and what needs to change. Tune in to hear more: How Miriam bought her business property through her SMSF. The controversy associated with this, how it can be accomplished and why it could be a potential option for some people. The sole purpose test and the cruciality associated with sticking to it. David's professional perspective and thoughts on SMSF purchases and the super industry as a whole. Real life examples of when and how it has worked, and when it really hasn't. You can contact the Accountants Daily team and podcast host Imogen at imogen.wilson@momentummedia.com.au.

In this episode of The Smart Property Investment Show, host Phil Tarrant sits down with Arjun Paliwal, founder of InvestorKit, to explore data-driven property strategies, the rise of self-managed super funds (SMSFs), and insights from his new book, Driving the Data. With over a decade of experience as an investor and seven years in business, Paliwal has helped Australians purchase more than 2,000 properties, generating over half a billion dollars in equity. His new book challenges industry myths and encourages investors to make informed decisions based on facts rather than opinion. Paliwal aims to debunk long-held beliefs, such as the reliability of blue-chip properties and the accuracy of the property clock, by focusing on actionable, evidence-based strategies. He acknowledges today's property market as increasingly complex, urging investors to rely on professional guidance and data to navigate misinformation. Discussing SMSFs, Paliwal highlights their growing appeal for Australians seeking more control and trust in their investments while clarifying misconceptions about the capital required to start. He stresses the importance of aligning property choices with personal goals, life stage, and risk appetite, treating investment planning as a strategic formula. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

Listen to this episode if... You're divorcing  or separating from someone who owns or runs a business. You're in a family business with your ex and things are getting murky. You suspect your ex is hiding assets or undervaluing the business. You're overwhelmed by the complexity of business valuations in divorce. You're preparing for mediation or court and want to understand your options.  

In this episode of The Smart Property Investment Show, host Liam Garman speaks with self-managed super fund (SMSF) specialist Natalia Clack, unpacking the growing appeal and complexities of SMSFs.  SMSFs are gaining traction among investors seeking greater control over their retirement savings, offering broader investment choices and attractive tax advantages. Clack highlights the importance of education when navigating the intricate rules that govern these funds. Many misconceptions persist, including the belief that SMSFs are too complex or require extensive expertise, but Clack stresses that specialist guidance can make them both manageable and rewarding. With the ability to invest in property, gold, cryptocurrency, and other asset classes, SMSFs offer greater flexibility than traditional super funds. However, compliance and independent auditing remain crucial to ensure funds operate within legal boundaries and meet regulatory obligations. As the landscape evolves, illustrated by proposals such as the Division 296 tax, Clack says staying informed about legislative changes is essential. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

In this episode of The Property Nerds, co-hosts Arjun Paliwal and Adrian Lee from InvestorKit and Jack Fouracre from Fouracre Financial are joined by Ronesh Hargovind from the Incentum Group to discuss how understanding equity loans and trusts can shape successful property investment strategies. Self-managed super funds (SMSFs) have become an increasingly popular vehicle for Australians looking to grow their retirement savings through property, though they come with a level of complexity that requires careful planning. Hargovind explains that SMSFs have gained traction over the past 15 years as a way to leverage tax advantages and build wealth, but managing them properly requires distinguishing between personal and fund-related expenses. He suggests starting an SMSF with a balance of $200,000 to $300,000 to cover set-up and compliance costs, noting that while smaller or larger balances are possible, they bring different considerations. One of the key benefits is favourable tax treatment, with contributions and gains taxed at low rates during accumulation and tax-free benefits during the pension phase. However, trustees must be vigilant about record keeping and compliance to avoid penalties from the Australian Taxation Office, and ongoing discussions about unrealised capital gains tax add further complexity for large funds.

Are all properties guaranteed to rise in value? Is a Self Managed Super Fund always the smarter choice? In this episode of Financial Autonomy, Paul tackles two of the most persistent myths in personal finance and reveal the hidden risks that can cost you dearly. From the pitfalls of off-the-plan property purchases to the real costs (and responsibilities) of managing your own super, we'll cut through the noise and give you the perspective you need to protect your wealth. If you've ever been told “property never loses value” or “SMSFs always outperform,” this is the episode you can't afford to miss.   Subscribe to our weekly GainingCHOICE email General advice disclaimer

This week, Trent Fleskens hosts Simon Gow, the National Head of Self-Managed Super Funds at Grant Thornton, to delve into the intricacies of self-managed super funds (SMSFs) and property investment. They discuss the increased regulation and compliance associated with SMSFs, the benefits of using an SMSF for property investments, and the tax advantages. Additionally, they cover borrowing against super balances, the setup and ongoing costs, legal and compliance requirements, and common strategies like buying commercial property through an SMSF. Simon provides detailed guidance on the rules, potential pitfalls, and the overall strategic mindset needed for leveraging SMSFs effectively.

Join the conversation: The Investor Lab Community So you’ve built wealth in real estate and you’re approaching retirement… now what? This week, we’re exploring the different ways property investors might think about turning a portfolio into retirement income. Should you sell and redeploy into higher-yield assets? Refinance and draw on equity? Pay down debt to free up cashflow? Or move some capital into other assets for flexibility? Instead of theory, we’ll treat this like a live portfolio strategy session - walking through scenarios and considering how the balance between growth, income, leverage, and risk can shift as you move from the accumulation years into retirement. What we’ll cover: When selling makes sense vs when to hold How refinancing, restructures, and top-ups could help fund retirement Why debt strategy in retirement often flips the script from the accumulation phase Balancing cashflow, equity growth, and risk in later life Whether you’re 5 years away or 25, this is exploring ways to build wealth that doesn’t just look good on paper, it funds the lifestyle you actually want. See you on the inside! IMPORTANT: The Investor Lab is for educational purposes only and does not constitute financial advice. Always do your own research and seek independent professional advice before making any investment or financial decisions. WATCH ON YOUTUBE: Turning Property Wealth Into Retirement Income -- CHAPTERS:00:00 - Not financial advice (but let’s talk retirement) 02:20 - Turning property equity into retirement income 07:00 - Borrowing power vanishes: why you must plan ahead 09:30 - The refinance play: unlocking equity before retirement 13:00 - How $2m equity can equal $100k passive income 18:00 - Accumulation vs drawdown: flipping your strategy 26:30 - Debt in retirement: enemy or ally? 33:00 - CGT, SMSFs & tax in retirement 45:00 - Mina’s 3 retirement questions: financial, lifestyle, emotional 1:02:20 - Redefining retirement: from money goals to meaning 1:20:40 - The future of investing: AI, disruption & Australia’s property lifeboat -- RESOURCES TO HELP: Looking for a team to partner with you in your portfolio building journey? Join Dashdot: https://bit.ly/3E0wKGa Need finance guidance?Chat with the team: http://hey.dashdotfinance.com.au/discoverycall Build Your FREE Portfolio Growth Plan on Property Pathfinder:https://propertypathfinder.io Got a question or some feedback? We're all ears!https://bit.ly/tilqs – Catch Up On Recent Episodes: The Great Melt-Up: When Trust in Money Dies The Illusion of Prosperity: Why Getting Ahead Feels Impossible First Home Guarantee Scheme, Property Scarcity, and Why It Matters for Everyone Else NZ Property Market Crash: What Does It Mean For Australia? Bitcoin vs Australian Real Estate We Answer Everything: When You Have "Enough" Money, Why Cash Flow Is Dead & The Future of Money Why You Need To Retire Earlier Than You Think Beyond 2030: The Prosperity Wave Most Investors Will Miss (Biggest Opportunity Ever) Why Your Buyers Agent Might Be Leading You Into a Property Trap How To Build A Property Portfolio That Pays For Itself The Coming US Debt Collapse (And What It Means For Australia) How to Help Everyone You Care About Win in the New Economy How to Design a Life You Won't Regret in the Next 5 Years How AI Will Change Your Economic Future AI Is Here: And Most People Aren't Ready Is A Supercycle Coming? (Housing Market Outlook) The Inner Game of Investing Trusts & SMSFs: How Advanced Investors Are Rethinking Their Structures in 2025 Tariffs, Trade Wars, and What It Means For Your Portfolio Portfolio Acceleration Masterclass Financial Jiu-Jitsu: How to Break Through Your Portfolio's Cashflow Constraints Winning the Investment Game: How to Set & Beat Your Hurdle Rate Fake Gold? Markets Down? Liquidity Up? – What’s REALLY Going On? The RBA Just Changed the Game — Here’s What It Means for You Hold vs Sell: How to Know When to Take Profits Bitcoin: Why Every Property Investor Needs to Consider Owning It Everything You Need To Know About Property Investing Finance Property Investing In Australia In 2025: What You Need To Know Investment Strategies for 2025 Follow the Money: How Liquidity Drives Asset Prices (and How You Can Benefit) What You Don’t Know About Money Could Cost You Everything -- Connect:dashdot.com.au youtube.com/@theinvestorlab instagram.com/dashdotpropertyinstagram.com/goosemcgrathinstagram.com/gabi.billingSee omnystudio.com/listener for privacy information.

SMSFs (Self-Managed Super Funds) are increasing in popularity. SMSFs provide a lot of great features. They allow investors to access the investments they want, and in the proportion they'd like to. They allow a level of customisation to invest in asset classes that aren't available through traditional superfunds. The popularity of SMSFs with investors – particularly investors with high balances – has caused the industry to innovate to provide another option. In this episode, Mark and Shani discuss Direct Investment options that may offer a happy middle ground for investors who want control of their portfolio, but not the headache of portfolio administration. You can find the full article here.A message from Mark and ShaniFor the past five years, we've released a weekly podcast to arm you with the tools to invest successfully. We've always strived to provide independent, thoughtful analysis, backed by the work of hundreds of researchers and professionals at Morningstar.We've shared our journeys with you, and you've shared back. We've listened to what you're after and created a companion for your investing journey. Invest Your Way is a book that focuses on the investor, instead of the investments. It is a guide to successful investing, with actionable insights and practical applications.The book is currently in presale which is an important time to build momentum. If anyone would like to support this project you can buy the book now. Thanks in advance!Purchase from Amazon or Purchase from BooktopiaTo submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

In this episode of The Smart Property Investment Show, Phil Tarrant speaks with Benjamin Plohl, seasoned investor and principal buyer's agent at BFP Property Group, to explore SMSF investing's opportunities, challenges, and rising appeal for financially empowered investors. The duo starts by highlighting the importance of strategic planning for investors rather than focusing solely on accumulation. Benjamin notes the increasing popularity of SMSFs, citing over 650,000 funds and 1.2 million trustees, and explains how they provide flexibility, leverage, and the ability to pool family resources for larger investments. For SMSF investors, Benjamin stresses that strategic asset selection, market timing, sector focus, leveraging borrowed funds, and utilising concessional tax advantages are essential for maximising long-term returns. The discussion also addresses challenges, including compliance, tax implications, and the need for informed decision-making to avoid pitfalls. Finally, the duo underscores the importance of professional guidance, advising investors to build a team of accountants, brokers, and advisers to navigate the SMSF landscape effectively and achieve retirement goals. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

Welcome to Pathway to Property, a podcast to help everyday Australians on their property investment journey through education, real-life stories, and firsthand investing experiences. In this episode, co-hosts Atlas Property Group director Lachlan Vidler, and Luke Clifford, are joined by accounting and property investment expert Jeremy Iannuzzelli for an in-depth discussion on structuring property investments. Lachlan and Luke start by highlighting the importance of strategic planning, before introducing Jeremy, whose advice has been pivotal in Lachlan's own journey. Jeremy breaks down four main ownership structures – individual ownership, corporate entities, self-managed super funds (SMSFs), and trusts with corporate trustees – explaining the benefits, drawbacks, and ideal use cases for each. He outlines how individual ownership offers simplicity and negative gearing benefits, corporate entities suit business owners with retained earnings, SMSFs allow control over super with potential for leveraged returns, and trusts provide flexibility for high-income earners. Jeremy addresses scenarios from FIFO workers to couples scaling portfolios, emphasising clear strategy, expert advice, and practical insights for investors at all stages seeking to optimise returns.

Welcome to Episode 148 of the #ExpatChat Podcast, where we explore the latest tax and financial issues affecting Australian expats. In this episode, Expat Do's and Don'ts for SMSFs, Atlas Wealth Managing Directors James Ridley and Brett Evans unpack the complexities of managing Self-Managed Superannuation Funds (SMSFs) while living overseas. They provide an overview of the legal, financial, and compliance responsibilities SMSF trustees face abroad—highlighting how to avoid costly penalties and potential fund disqualification. A key focus is on the “central management and control” rule and its role in determining SMSF residency status. James and Brett breakdown the 183-day rule, the distinction between temporary absences and permanent relocations, and what happens when trustees move overseas. You'll also hear about strategies to maintain compliance, such as appointing a Power of Attorney or converting to a small APRA fund. Real-life scenarios illustrate how different choices impact compliance and tax outcomes, reinforcing the need for expert planning before relocating. Whether you're currently managing an SMSF overseas or considering a move, this episode is packed with key insights to help you stay compliant and protect your retirement wealth. Links that we discussed in this episode include: • Upcoming Seminars & Webinars – atlaswealth.com/events • Facebook Group – Don't forget to join our Australian Expat Financial Forum Facebook Group – / australianexpatfinancialforum • Ask Atlas – Have your questions answered on the podcast by clicking this link – atlaswealth.com/news-media/au... • Expat Mortgage Podcast – atlaswealth.com/news-media/au... • Weekly Recap Podcast – atlaswealth.com/news-media/au... If you like the content make sure you let us know by hitting the thumbs up and subscribing. As well as providing some feedback in the comments below. The Atlas Wealth Group was born out of growing demand from Australian expats seeking professional guidance. We are specialists in providing tax, financial planning, wealth management and mortgage services to every Australian expat. Whether you are based in Asia, the Middle East, Europe or the Americas, we have the experience in providing essential financial services to the expatriate community. To find out more about the Atlas Wealth Group visit www.atlaswealth.com. Make sure you connect with us on our respective social media channels: Facebook: www.facebook.com/atlaswealthmgmt LinkedIn: www.linkedin.com/company/atlas-wealth-management Twitter: www.twitter.com/atlaswealthmgmt Instagram: www.instagram.com/atlaswealthgroup

Discover how Australian crypto investors are utilising self-managed super funds (SMSFs) to gain greater control over their retirement savings. In this episode, SMSF specialist Natalia Clack explains the benefits and risks of holding digital assets like Bitcoin in your super, how to do it compliantly, and what the proposed $3 million unrealised capital gains tax could mean for your future. Essential listening for anyone serious about managing their own retirement and crypto portfolio.We cover:What an SMSF is and who it suitsHow crypto can be stored compliantly within an SMSFWhat you can and can't do with Bitcoin in your superThe risks, compliance burdens, and audit requirementsWhy the $3M tax threshold could be devastating for someHow to plan ahead, and whether family trusts may offer a better future pathIf you're an Australian investor serious about managing your retirement and incorporating crypto into your long-term strategy, this is a must-watch. Contact Natalia at https://bit.ly/441p6Vr