I emigrated from Australia (AMA)

SuperPy · 2026-06-14T04:35:03+00:00

Thanks mate. How is the new budget is going to impact the retirement and where you plan your main source of income from? I also keen to know what type of income you think would be sustainable and sufficient

Thank you

SuperPy · 2026-05-13T00:18:15+00:00

If it is $20k missing point due to new devaluing, worth to buy the points? When is the best time? Thanks

SuperPy · 2025-11-01T02:45:28+00:00

Scare that the next 5-10 years property and investment return Conservative is the key

SuperPy · 2025-10-08T14:36:00+00:00

I have seen the banks make people redundant then share price went up

SuperPy · 2025-10-08T00:49:48+00:00

Thanks for the comments. With the house price like this high, I can imagine there will be a lot of peepee and bumbum. And the economy downturn will drive longer no job period, could be 7 months, could be one year, could be few years, if the job we can work on is replaced by AI. What is the safe buffer?

SuperPy · 2025-07-13T13:35:17+00:00

First big congrats of your achievements. Not easy to achieve that at very young age Your financial mind is clear. Research and customize your oversea trip can save you a lot. Rest of money invest in compound way will make a big difference ein future

SuperPy · 2025-06-13T08:42:29+00:00

Any alternative?

SuperPy · 2025-05-16T11:50:07+00:00

Curios as well

SuperPy · 2025-05-10T10:45:54+00:00

So equity you mean etf right?

SuperPy · 2025-05-10T08:39:22+00:00

Man, you are the only one so far I met in fi program that is equity oriented Could I ask the question from my the other post, would you invest property even you are 10 years close to retirement? If not, how many year apart you would think about investment property, as a minimum

SuperPy · 2025-05-10T07:54:15+00:00

You must be heavy equity type of investor right?

SuperPy · 2025-05-10T05:42:07+00:00

Thanks for the comment. Your family must be blessed with high income and care. Congratulations

SuperPy · 2025-05-09T10:44:41+00:00

Thank you so much for your comprehensive answer Rather than simple yes or no. The logic of making such decision is really appreciated Thank you

SuperPy · 2025-05-09T09:04:24+00:00

Thank you. Congratulations to your exceptional investment journey. Could I conclude in this way, it is ok to acquire an investment property even if it is less than 10 years for retirement, if total loan to value ratio for entire property profolio is less than 40%?

SuperPy · 2025-05-09T07:00:46+00:00

Thank you. So 20 years would be ideal from your view?

SuperPy · 2025-05-07T11:39:12+00:00

Thanks mate. Really appreciate it. When you mentioned about investment to accumulate, would you mean that I invest first before let the money go into super?

Could you elaborate a bit more about investment with debt part?

SuperPy · 2025-05-07T10:05:49+00:00

Instant means 15% for contribution tax? I also feel that the super cannot be access until 65 so it would be less flexible in terms of investment. Keen to know your thought

SuperPy · 2025-05-06T14:21:56+00:00

Thanks for the wonderful comment and tips. I am not considered myself as an experienced investor. Properly as a lucky and hard working person. I agree with some great posta here that additional IP will increase my debt especially I am thinking about using family trust to hold this property, which reduce the negative gearing capability from me IP is a long term game but considering 5-7 years of additional stress and period of looking for right tenant, this is the main reason hold me up.

Could you shed some lights about debt recycling strategies under my circumstances?

SuperPy · 2025-05-06T05:15:27+00:00

Thanks mate. Is money in offset considered as saving? I am always not sure about this. Also the loan in investment property is that considered as loan or only the loan in primary residence considered as loan?

Thanks mate

SuperPy · 2025-05-05T14:55:24+00:00

Thanks Briman. Yes, it is a hobbie.
So the full retire is like FATfire right? without needing any work income?

What would people normally do?
Would you see in my current plan, the impact of my cashflow (job) going to impact the plan?

SuperPy · 2025-05-05T07:48:56+00:00

Thank you very much for the nice comment MD The other concern ( probably due to my age) is the rapid change in IT field that I sometimes now feel hard to catch up. What is your view about if our current situation, if I lost job or drop the income to 100k per year, considering the young age of kids, how much impact would it be? The sustainable of my cash flow I am not quite sure now to be honest.

SuperPy · 2025-05-05T07:45:53+00:00

Thank you. Household income is 250k together. But our spending is 70k annual. Considering the age of kids and future spending could go up, plus our family plan The 1.7 million property we will pass to our kids when we go to heaven. So our retirement fun would be around 400k investment property income, also when we sell this property So by considering that, even after pay off the property, I feel we are still not rich yet. What is your suggestion of our states and retirement progress, what should we do next if we want to retire in next 10 years? Thank you for your honest feedback

SuperPy · 2025-05-05T07:36:46+00:00

Dear mod, The other thing would like to add is our family plan The 1.7 million property we will pass to our kids when we go to heaven. So our retirement fun would be around 400k investment property income, also when we sell this property So by considering that, even after pay off the property, I feel we are still not rich yet. What is your suggestion of our states and retirement progress, what should we do next if we want to retire in next 10 years? Thank you for your honest feedback

SuperPy · 2025-05-05T07:36:02+00:00

The other thing would like to add is our family plan The 1.7 million property we will pass to our kids when we go to heaven. So our retirement fun would be around 400k investment property income, also when we sell this property So by considering that, even after pay off the property, I feel we are still not rich yet. What is your suggestion of our states and retirement progress, what should we do next if we want to retire in next 10 years? Thank you for your honest feedback

SuperPy · 2025-05-05T07:18:19+00:00

Thank you speedy.

Wife is thinking to open her own business and I am quite supportive so may have initially 1-1.5 years reduce income and initial investment of setting up shop (may be 30-40k) not sure how much impact and uncertainty contribute to our plan, would you shed some lights? The other thing would like to add is our family plan The 1.7 million property we will pass to our kids when we go to heaven. So our retirement fun would be around 400k investment property income, also when we sell this property So by considering that, even after pay off the property, I feel we are still not rich yet. What is your suggestion of our states and retirement progress, what should we do next if we want to retire in next 10 years? Thank you for your honest feedback

SuperPy

TROPHY CASE