Q&A - Is no negative gearing a problem, when to use a family trust, it’s a ‘who’ not ‘what’ question

In this Q&A episode, Stuart tackles a wide range of complex financial and property questions from listeners navigating wealth-building decisions. He begins with a couple considering converting their first home into an investment property. Stuart breaks down the implications of their joint ownership structure, refinancing strategy, and whether they've missed the opportunity for negative gearing, providing insight into how high- and middle-income earners can best structure property portfolios.

He then addresses a nuanced question about the transfer of assets from a discretionary trust to a testamentary trust upon death. Stuart explains the differences, key considerations, and whether investing under a lower-income spouse’s name may offer more long-term estate planning benefits.

Next, Stuart analyzes a detailed case involving a Brisbane-based couple with a multi-million-dollar property portfolio, employee share schemes, and a retirement goal of $200K income in 10 years. He evaluates their asset base, capital growth assumptions, gearing levels, and whether their current strategy is sufficient to meet their goals.

Finally, Stuart reviews the future potential of two Sydney investment properties in Edgecliff and Mosman following changes to development zoning. He offers a framework for assessing heritage restrictions, supply risks, and ongoing demand in a shifting market. A rich, insightful episode for investors at all stages.

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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.