Q&A - Loan structures, how to minimise tax in retirement, why a property strategy won’t work

In this Q&A episode, Stuart dives into some of the most pressing financial questions on the minds of listeners, from retirement tax strategies to smart investing moves. He unpacks the intricacies of transferring UK pensions to Australia, outlining the key rules, common pitfalls, and how to reduce unnecessary fees. Stuart then breaks down savvy loan structures for purchasing property through a company, with tips on minimising capital gains tax in the process.

With retirement planning front and centre, he highlights the often-overlooked fact that the $2 million superannuation tax-free cap is indexed. He explains why this should be a vital part of your long-term financial strategy. Is an SMSF property play more powerful than sticking with a high-growth super fund? Stuart weighs the pros and cons, helping listeners assess which option aligns best with their goals.

To wrap up, he tackles a real-world dilemma: should you invest surplus funds into the share market or buy your future retirement home now? Stuart offers a clear, thoughtful framework to guide that choice. Whether you're planning for retirement or navigating your next big investment move, this episode is packed with practical insights to help you make smarter financial decisions.

Do you have a question? Email: questions@investopoly.com.au or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts

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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.