Q&A: Adjust ETF cost base annually, help kids into property, asset allocation in retirement and more...

In this Q&A episode, Stuart addresses a wide range of listener questions, from technical ETF tax adjustments to retirement planning strategies using superannuation.

He starts by explaining how ETF investors need to account for AMIT cost base adjustments when calculating capital gains tax—an often overlooked detail that could mean paying more tax than necessary. He breaks down what AMIT is and why it matters for investors who regularly receive ETF tax statements.

Next, Stuart gives thoughtful advice on helping children into the property market, tackling the challenges of managing differing time horizons and property goals across siblings. He outlines a balanced approach to structuring property purchases with long-term capital growth in mind.

He also responds to a listener planning to move to Brisbane and build a home while selling underperforming investment properties. Stuart discusses how to balance serviceability, construction timing, and preserving cash against inflation.

Finally, he covers asset allocation in retirement, addressing whether it’s risky to have all super invested in a lifecycle fund when to consider diversifying into property and whether cash buffers are needed for market downturns.

This is a helpful episode for anyone navigating wealth building, tax strategy, or long-term planning.

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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.