Mo Money #466 How to invest tax smart in the new financial year
Sep 4, 2025
Discover strategies for tax-smart investing that can save you thousands over time. Learn how restructuring investments and leveraging superannuation can optimize your financial outcomes. Explore the tax implications of various assets, from property to cryptocurrencies. Gain insights on managing accounts through trusts and super funds while addressing common listener queries. Finally, understand the importance of taking proactive steps toward financial freedom and the role of financial advisors in maximizing your investment gains.
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Couple's Tax Swap To Supercharge Savings
- Ben Nash tells a couple's story who saved tax by shifting investments and using the FHSSS, boosting future wealth dramatically.
- A two-year delay in applying these changes cost them roughly $202,000 in projected future value.
Shift Investments To Lower-Income Partner
- Shift investment ownership to the lower-income partner to reduce tax on investment income.
- Reassess account ownership when partners' incomes differ to keep more after-tax returns to reinvest.
Marginal Rates Apply To All Income
- Australia uses a progressive marginal tax system where all income sources combine for one tax rate.
- Your marginal tax rate determines how much tax investment income will attract, so owner choice matters.