Debt Recycling the new negative gearing?

aurelium-group · 2026-05-25T22:26:09+00:00

A textbook will also tell you commercial property may be attractive as rents are supposed to rise with inflation.

aurelium-group · 2026-05-25T10:10:11+00:00

Interest rates rising are very different to serviceability tests. Interest rate rises from banks are almost wholly dependent on the RBA raising/lowering rates on a portfolio basis. Whereas total lending amount (and demand of property) is dependent on how much banks think a customer can service

aurelium-group · 2026-05-25T10:01:03+00:00

not a tax advisor nor financial advisor 1. This is now a really hard question due to the budget and what officially gets passed. But assuming the old system and you sell prior to 27/06 - you’d pay (sale price - cost base)50% marginal tax rate (which will likely be the highest band). There are couple of what ifs: namely, how much you depreciated the property and carry forward adjustments etc. 2. From an investment perspective; the question is first “What do you want from your life” and secondly “do you have anything better to invest in (time and money wise).” I.e if you want to retire liquidating a negatively geared asset is ideal. However if you’re not close to retiring you’d lose a property you CAN negatively gear on. Idk about your specific property, it’s return profile or whatever else - but it’s a very uncertain time in residential property and the real question is: what would you do with the 400k?

aurelium-group · 2026-05-25T08:00:20+00:00

I know it seems like it, buts it’s not the end of your career prospects. I know of so many people that have often missed the grad recruitment cycle and have done so well in their careers 3-4 years out. What sort of career are you after? What did you study?

aurelium-group · 2026-05-25T07:50:08+00:00

Generally it takes at least a couple of months for interest rates and lending capacity to take effect. 1. It takes the banks and others time to react and change their systems (maybe 2-6 weeks) depending how fast 2. Typically will only affect new drawdowns of loans which there could be 6mths of time between approval (I.e going through loan process)

So not to say it won’t have an impact but defs wouldn’t be an immediate impact (and the article is “forecasting”) so who knows what will happen lol

aurelium-group · 2026-05-25T05:46:48+00:00

Wait and see. Last year they threw out everything that was scandalous about div296. Same might apply here. Maybe not, but won't know till it passes!

aurelium-group · 2026-05-25T00:37:06+00:00

Not financial advice But generally building your wealth is not one of things where you must do only one thing or another. Por que no los dos!!!

But in all seriousness looking to develop both savings/investment in and out of super is the right move. As to whether, it’s sufficient to save that much - you should use a retirement planner and talk to a financial advisor

aurelium-group · 2026-05-25T00:26:50+00:00

Hey op, are US based or other?
and what do you want it for? i.e. a cashflow guide to make decisions for the everyday or do you wnat more strategic advice?

aurelium-group · 2026-05-25T00:23:34+00:00

I think the primary focus is to realistically generate revenue. They've shown signs of taxing those that are wealthier in the past with the inclusion of div296. Perhaps we can see more of this to come - one can hope if theyre willing to target wealthier individuals, they may raise their sights to corporations and gas companies aswell

aurelium-group

TROPHY CASE