Guided Investor

EOFY is almost here.

And if you're waiting until July to think about tax planning, you've probably left it too late.

In this video, I cover some of the key opportunities worth reviewing before 30 June, including:

- Personal deductible contributions to super
- Carry-forward concessional contributions (including the final chance to use unused 2020/21 caps)
- Government co-contributions and spouse contributions
- First Home Super Saver Scheme contributions
- Capital gains and capital loss planning
- Family trust distributions
- EOFY considerations for business owners
- Why you probably shouldn't be rushing to make changes because of the recent Federal Budget

Just remember, don't let the tax tail wag the dog.

A tax deduction is great, but only if the underlying strategy makes sense and improves your overall financial position.

The full video is linked in the comments below.

Median rent across Australia is now sitting at $650 per week.

That’s over $33,000 per year… every single year… just to keep a roof over your head.

And it highlights something people don’t talk about enough when it comes to financial independence.

If you retire without owning your home, you generally need a MUCH larger asset base to sustain the same lifestyle long term.

Now some people argue: “But if you rent, you avoid taking on a massive mortgage.”

And that’s true in theory.

But in practice? A mortgage often creates forced discipline.

Regular repayments. A structured plan. And real consequences if you fall behind.

There’s also another major factor: Leverage.

Property allows many Australians to control a large asset with a relatively small amount of upfront capital.

Over long periods, that leverage can significantly amplify wealth creation if the asset performs well.

Renting can absolutely work financially. But only if you consistently invest the difference with the same discipline as a mortgage repayment… and often with a strategy that still creates long-term growth through leverage elsewhere.

And that’s the hard part.

One of the positives of the proposed CGT changes is the grandfathering provisions.

Growth accrued before 1 July 2027 is proposed to remain under the existing rules, rather than forcing everything into the new system overnight.

That’s good news for existing investors.

But the trade-off?

Potentially a LOT more complexity when calculating CGT moving forward.

In many cases, investors may effectively need two separate CGT calculations on the same asset:

- one under the old rules up to 1 July 2027; and
- another under the proposed indexed system after that date.

For shares, that’s manageable.

For property? A bit harder...

The proposed CGT changes from the recent Budget have investors fired up… and honestly, I can understand why.

The Government is proposing to:
• Scrap the 50% CGT discount
• Introduce inflation indexation
• Implement a minimum 30% tax on capital gains
• Change how long-term investing is taxed in Australia

And it’s not just property investors impacted. Share investors, retirees and everyday Australians building wealth could all be affected.

I’ve just uploaded a full breakdown explaining: What’s changing, who it impacts, potential exemptions, and what it could mean moving forward.

Video link in the comments 👇

One of the biggest points of confusion around the proposed negative gearing changes is the timeline.

Who is grandfathered?
What happens after Budget night?
What changes from 1 July 2027?
And what still qualifies under the existing rules?

I put together this simple visual breakdown to help explain how the proposed changes are currently intended to work based on the Budget papers released so far.

Importantly, these changes are still proposed only and not yet law.

Negative gearing is NOT being abolished… but the proposed changes are still massive.

The Federal Budget could fundamentally change property investing, housing affordability, rental markets and where investors put their money moving forward.

In this deep dive, I break down what’s actually changing, who is impacted, the grandfathering rules, the likely impact on property prices and rents, and why commercial property and shares may benefit.

Most importantly… will this actually help younger Australians get into housing?

Full video linked in the comments.

Debt recycling felt smart when rates were low. Now it’s the same strategy… but it feels risky.

Rising interest rates and volatile markets get the blame, but that’s always been part of the game.

Debt recycling was never a short-term play. It’s built on tax efficiency and the gap between what you pay to borrow and what you earn over time.

And sometimes, that gap works against you.

That’s the part most people aren’t prepared for — and it’s where short-term decisions start to derail a long-term strategy.

Link to video in comments section below.

Interest rates up again — another 0.25%. Third rise this year.

Why?

Inflation is still running hot. Oil prices have played a part, but it’s broader than that — housing, services and everyday costs are all sticking around.

Interest rates are the mallet used by the RBA to cool things off.

They hit spending by making debt more expensive. Less money left after the mortgage = less demand across the economy… and that’s how inflation gets pulled back under control.

What does it mean for you?

Inflation → your groceries and bills stay high
Interest rates → your mortgage costs more
Markets → higher rates can weigh on shares and property (at least in the short term)

But it’s not all bad news…

Higher rates → better returns on cash and defensive assets (retirees rejoice)
Volatility → creates opportunities to invest at better entry points (accumulators be at the ready)
Cycles → this is part of how markets and economies move

Stay the course.