Q&A - Loan structures, how to minimise tax in retirement, why a property strategy won’t work

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Jul 14, 2025

Listeners get expert insights on transferring UK pensions to Australia, highlighting key rules and ways to cut fees. The discussion delves into smart loan structures for property purchases and how to minimize capital gains tax. Retirement tax strategies take center stage, revealing the importance of the indexed superannuation cap. Stuart contrasts self-managed super funds against high-growth options, offering guidance on making informed choices between investing surplus funds in the market or buying a future home. This conversation is packed with practical financial advice.

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ADVICE

UK Pension Transfer to Australia

To transfer UK pensions to Australia after age 55 (rising to 57 in 2028), ensure your super fund complies with QROPS rules.
Consider an Australian Expatriate Super Fund or an SMSF with a specific trust deed to mirror UK pension restrictions.

ADVICE

Lower Investment Fees Overseas

Beware high fees when investing overseas; aim for investment fees around 0.4% or less overall.
Consider Vanguard SIP products which may charge roughly one-fifth of fees compared to some existing plans.

ADVICE

Loan Structure for Property Company

To benefit from negative gearing personally, borrow funds in your name to buy shares in an investment company that holds the property.
Banks typically lend to individuals with security held by the company, requiring director guarantees.

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In this Q&A episode, Stuart dives into some of the most pressing financial questions on the minds of listeners, from retirement tax strategies to smart investing moves. He unpacks the intricacies of transferring UK pensions to Australia, outlining the key rules, common pitfalls, and how to reduce unnecessary fees. Stuart then breaks down savvy loan structures for purchasing property through a company, with tips on minimising capital gains tax in the process.

With retirement planning front and centre, he highlights the often-overlooked fact that the $2 million superannuation tax-free cap is indexed. He explains why this should be a vital part of your long-term financial strategy. Is an SMSF property play more powerful than sticking with a high-growth super fund? Stuart weighs the pros and cons, helping listeners assess which option aligns best with their goals.

To wrap up, he tackles a real-world dilemma: should you invest surplus funds into the share market or buy your future retirement home now? Stuart offers a clear, thoughtful framework to guide that choice. Whether you're planning for retirement or navigating your next big investment move, this episode is packed with practical insights to help you make smarter financial decisions.

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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.