Debt, Risk and Tax Considerations in Retirement

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So you’ve built wealth in real estate and you’re approaching retirement… now what?

This week, we’re exploring the different ways property investors might think about turning a portfolio into retirement income. Should you sell and redeploy into higher-yield assets? Refinance and draw on equity? Pay down debt to free up cashflow? Or move some capital into other assets for flexibility?

Instead of theory, we’ll treat this like a live portfolio strategy session - walking through scenarios and considering how the balance between growth, income, leverage, and risk can shift as you move from the accumulation years into retirement.

What we’ll cover:

• When selling makes sense vs when to hold
• How refinancing, restructures, and top-ups could help fund retirement
• Why debt strategy in retirement often flips the script from the accumulation phase
• Balancing cashflow, equity growth, and risk in later life

Whether you’re 5 years away or 25, this is exploring ways to build wealth that doesn’t just look good on paper, it funds the lifestyle you actually want.

See you on the inside!

IMPORTANT: The Investor Lab is for educational purposes only and does not constitute financial advice. Always do your own research and seek independent professional advice before making any investment or financial decisions.

WATCH ON YOUTUBE: 
Turning Property Wealth Into Retirement Income

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CHAPTERS:
00:00 - Not financial advice (but let’s talk retirement)  
02:20 - Turning property equity into retirement income  
07:00 - Borrowing power vanishes: why you must plan ahead  
09:30 - The refinance play: unlocking equity before retirement  
13:00 - How $2m equity can equal $100k passive income  
18:00 - Accumulation vs drawdown: flipping your strategy  
26:30 - Debt in retirement: enemy or ally?  
33:00 - CGT, SMSFs & tax in retirement  
45:00 - Mina’s 3 retirement questions: financial, lifestyle, emotional  
1:02:20 - Redefining retirement: from money goals to meaning  
1:20:40 - The future of investing: AI, disruption & Australia’s property lifeboat  

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RESOURCES TO HELP: 

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Need finance guidance?
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Got a question or some feedback? We're all ears!
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