From Growth to Income: Examples and Phases

Join the conversation: The Investor Lab Community 

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

--

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  

--

RESOURCES TO HELP: 

Looking for a team to partner with you in your portfolio building journey?
Join Dashdot: https://bit.ly/3E0wKGa

Need finance guidance?
Chat with the team: http://hey.dashdotfinance.com.au/discoverycall

Build Your FREE Portfolio Growth Plan on Property Pathfinder:
https://propertypathfinder.io

Got a question or some feedback? We're all ears!
https://bit.ly/tilqs

–

Catch Up On Recent Episodes:

• The Great Melt-Up: When Trust in Money Dies 
• The Illusion of Prosperity: Why Getting Ahead Feels Impossible 
• First Home Guarantee Scheme, Property Scarcity, and Why It Matters for Everyone Else
• NZ Property Market Crash: What Does It Mean For Australia?
• Bitcoin vs Australian Real Estate
• We Answer Everything: When You Have "Enough" Money, Why Cash Flow Is Dead & The Future of Money
• Why You Need To Retire Earlier Than You Think
• Beyond 2030: The Prosperity Wave Most Investors Will Miss (Biggest Opportunity Ever)
• Why Your Buyers Agent Might Be Leading You Into a Property Trap
• How To Build A Property Portfolio That Pays For Itself
• The Coming US Debt Collapse (And What It Means For Australia) 
• How to Help Everyone You Care About Win in the New Economy
• How to Design a Life You Won't Regret in the Next 5 Years
• How AI Will Change Your Economic Future 
• AI Is Here: And Most People Aren't Ready
• Is A Supercycle Coming? (Housing Market Outlook)
• The Inner Game of Investing
• Trusts & SMSFs: How Advanced Investors Are Rethinking Their Structures in 2025
• Tariffs, Trade Wars, and What It Means For Your Portfolio
• Portfolio Acceleration Masterclass
• Financial Jiu-Jitsu: How to Break Through Your Portfolio's Cashflow Constraints
• Winning the Investment Game: How to Set & Beat Your Hurdle Rate
• Fake Gold? Markets Down? Liquidity Up? – What’s REALLY Going On?
• The RBA Just Changed the Game — Here’s What It Means for You
• Hold vs Sell: How to Know When to Take Profits
• Bitcoin: Why Every Property Investor Needs to Consider Owning It
• Everything You Need To Know About Property Investing Finance
• Property Investing In Australia In 2025: What You Need To Know
• Investment Strategies for 2025
• Follow the Money: How Liquidity Drives Asset Prices (and How You Can Benefit)
• What You Don’t Know About Money Could Cost You Everything 

-- 

Connect:
dashdot.com.au 
youtube.com/@theinvestorlab 
instagram.com/dashdotproperty
instagram.com/goosemcgrath
instagram.com/gabi.billing

See omnystudio.com/listener for privacy information.