The Investor Lab

Turning Property Wealth Into Retirement Income

11 snips
Sep 20, 2025
Explore how to turn your property wealth into retirement income. Learn when to sell versus hold onto assets for optimal cash flow. Discover refinancing strategies to access equity tax-free and the impact of debt during retirement. Delve into balancing risks while transitioning from growth to income, along with diversification strategies that go beyond real estate. Plus, get practical advice on planning your retirement lifestyle and preparing for future economic factors like AI and climate change.
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ADVICE

Refinance And Use Offset Buffers

  • Before you stop working, refinance properties to the maximum term and extract equity into an offset account.
  • Use that offset as a cash buffer to fund retirement without triggering capital gains tax immediately.
ANECDOTE

Young Couple Retired Before 30

  • Goose described clients Amanda and Will who stopped working before 30 after buying multiple properties.
  • They couldn't refinance later due to low income, so they held assets instead of extracting equity.
ADVICE

Rotate Growth Into Income Assets

  • Rotate capital from growth into lower-LVR or higher-yield assets when moving to retirement.
  • Buy debt-free or low-debt properties to generate reliable passive income streams.
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