Q&A: Investing in one ETF, upgrade home or invest, commercial property in SMSF and more...

In this Q&A episode, Stuart addresses a range of thought-provoking investment questions from listeners. He explores the simplicity and effectiveness of using a single diversified ETF, such as VDHG or DHHF, while highlighting the nuances and potential limitations of this strategy for larger portfolios. Stuart also offers tailored advice on whether to upgrade a primary residence or invest in Melbourne property, ultimately favouring the lifestyle and financial benefits of upgrading.

Listeners gain insights into how property value growth is measured, including the impact of capital improvements and why median growth rates may be misleading. He provides valuable guidance on whether self-employed individuals should leverage an SMSF to buy commercial property, advising caution around liquidity risks.

Stuart also tackles timely questions about possible changes to property investment tax laws, including potential adjustments to capital gains tax (CGT) and negative gearing. He explains how these changes could affect property yields and investor decisions.

Packed with actionable insights, this episode empowers listeners to make smarter financial choices. Whether you’re considering ETF investments, planning a property purchase, or contemplating SMSF options, Stuart’s well-rounded advice is sure to provide clarity and direction.

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IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.