Q&A- Structures, debt recycling, and accessing super

Six listeners grapple with how the new tax landscape reshapes their thinking. Nick, six years into regular ETF investing, asks whether to keep his current setup or start fresh for cleaner record-keeping, and whether a trust is now worth considering mid-journey. Matthew and Michael both probe the fine print: does the "property in a company" strategy become more attractive under a 30% minimum CGT rate, and does debt recycling for an IP deposit still preserve deductible interest?

Michelle explores buying a one-bedroom apartment as tenants in common with her 25-year-old daughter, using gifted shares as a deposit, plus whether capital gains can be directed into super. Danny lays out an ambitious Canberra-based portfolio and asks the big question: can he realistically achieve a $2.5M Perth home and a $200k perpetual retirement income within ten years without dismantling what he's built?

Finally, Daniel wants the rules around accessing super at 60 while continuing to work, what "retirement" actually requires, how brief a pause counts, whether a younger working spouse matters, and where transition-to-retirement fits.

Structural nuance throughout, with the usual reminder these are general discussions, not personal advice.

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Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes.

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Important

This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.