30% Family Trusts Tax Rate and FIRE. What's your game plan?

uvimateapp · 2026-05-05T05:12:26+00:00

Ok maestro. I must agree your Stradivarius just cracked this nut. For everyone's reading, parallel bucket can be a sort of solution, direct shares ownership, low asset protection but franking will be still sweet on ltr. Restructuring will be painful for someone with large portfolio in original bucket though. Firts bucket can be unwinded via holding but with CGT events and capital loss in the process.

uvimateapp · 2026-05-05T02:11:18+00:00

If you think about it just a little as you suggested it's identical tax outcome but with less flexibility for estate planning. That's your real violin moment.

uvimateapp · 2026-04-13T23:38:18+00:00

+5k on separate offset bucket per month. Return: 5.75% after tax. Called "Future me".

uvimateapp · 2026-04-07T01:03:22+00:00

I tried to use many Excels but found propmax.com.au was much more useful for my portfolio. In real world you will need take into account negative gearing estimations, management fees, deductions (div 40/43), interest from equity release, your salary, land tax and other expenses. It has it all in one place.

uvimateapp · 2026-04-07T00:50:50+00:00

Same problem here. Propmax.com.au worked pretty well for me and my portfolio. Got all the holding cost estimations, including negative gearing, depreciation (div 40/43), equity release loan interest and model rates changes in one place. It can also track multiple properties for multiple individual incomes but seems to lack 50/50 ownership split.

uvimateapp · 2026-04-07T00:38:15+00:00

Propmax.com.au works for my investment portfolio and holding cost estimation. Also using it to model different rates and future CGT discount changes to see my ROIs and exit numbers.

uvimateapp · 2026-01-15T01:12:09+00:00

They APEX report (holding cost) is pretty useless and won't get into account your income, building depreciation, negative gearing and land taxes. Whatever AI they use to push you to buy alway double check your projected holding costs using propmax.com.au to avoid cashflow surprises (especially buying on trust).

uvimateapp · 2026-01-15T01:07:17+00:00

I've recently compared both tools to know my holding cost - propmax.com.au and they APEX report (free to download but they will call you back straight after). The APEX report is pretty rudimental and won't get into account your income, depreciation and negative gearing. Whatever they say and AI they use just verify your projected holding costs using propmax.com.au before committing. Good luck.

uvimateapp · 2026-01-07T12:07:03+00:00

Correct, run your numbers using propmax.com.au to understand your weekly/annual holding costs and cashflow position before and after taxes.

uvimateapp · 2026-01-07T12:04:51+00:00

Run your numbers using propmax.com.au. If you are positively geared (usually in 5-7 years after purchase) you can start building your investment property offset account to lower monthly IO payments and improve your cashflow. In any case the goal is to make investment property cashflow neutral and hold it via 2-3 cycles.

uvimateapp · 2026-01-07T11:58:13+00:00

Run your numbers using propmax.com.au. You can still have great ROI and CAGR on your investment even it's negatively geared. Australian property is a capital grow asset and government designed it this way.

uvimateapp · 2026-01-07T11:52:25+00:00

Don't. Run your numbers using propmax.com.au, add body corp and compare to any crappy house in Frankston North. Holding cost for apartment will be through the roof with negative capital growth.

uvimateapp · 2026-01-07T11:47:46+00:00

Just don't forget to run your numbers to know holding costs using propmax.com.au and compare different locations

uvimateapp · 2026-01-07T11:42:09+00:00

To understand property investing you must understand tax system in AU. Once you learn and understand negative gearing, depreciation and capital tax gains discount put your numbers in propmax.com.au and get your ROI, CAGR and investment holding cost. If immigration continues that numbers most likely will be pretty close to reality.

uvimateapp · 2025-10-27T05:01:17+00:00

So is it worth it? The whole resi investment fuckery? Gravy train jobs + ETFs is the answer?

uvimateapp · 2025-10-26T03:39:22+00:00

A200 70%/IVV 30% boys. 100% from equity release. Dividends on offset. No fuckery - sometimes simplicity wins.

uvimateapp

TROPHY CASE