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In this episode of The nestegg Podcast, host Maja checks in with our three experts to discuss this week’s biggest conversations about super, property and investment.

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Steve Waters, director of Right Property Group, talks about the current market and its growth prospects, hinting at a “revenge spend” period post-lockdown. Could property prices really inflate by a further 20 per cent?

Meanwhile, RMIT’s senior lecturer of finance, Dr Angel Zhong, talks about the earning season and dividends, delving into how companies decide distribution policy. Find out what is happening in the recent dividend announcements.

Last but not least, tax and super guru Timothy Munro talks us through the results of APRA’s inaugural super test and how engaged members should really be with their super. Timothy also touches on the super splitting law and what it means for relationship breakdowns.

Have a question for our experts? Get in touch at [email protected] and you might get featured in the next episode.

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Could property prices inflate by another 20%? What’s happening in recent divid...

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There is $17.5 billion in lost and unclaimed super across ...

Invest

This is why you shouldn’t sell your house until July

By Reporter

June 07 2018
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Invest

This is why you shouldn’t sell your house until July

By Reporter
June 07 2018

Aussie retirees with modest super sums and valuable properties have the most to gain from downsizing their property, provided they hold off until this moment.

Sell your property, property market, property investment

This is why you shouldn’t sell your house until July

By Reporter

June 07 2018
Share

Aussie retirees with modest super sums and valuable properties have the most to gain from downsizing their property, provided they hold off until this moment.

According to the director of Boutique Property Agents, Tolga Ozer, retirees who wait until 1 July stand to gain the most from selling their home.

That’s because from that date, retired Australians 65 and over will be able to funnel up to $300,000 from the sale of their primary residence into their super without any added effects to balance caps or contribution rules.

Mr Ozer said this means retirees with low super can build up their super without losing a significant part of their pension.

He said that with taper rates arriving at about $78 per $1,000 a year, a return investment of 7.8 per cent will leave retirees in the “best position”, thus justifying the choice.

“When looking at downsizing your property it is important that you do your research in understanding which category your financial status falls under,” Mr Ozer said.

“There are three groups of retirees that will benefit the most from this new scheme.”

He explained that the first group are those with a low super balance and a valuable home.

“If a couple only has a super balance of $100,000, by investing $300,000 into their funds they will see a return of an extra $16,722 per year, which pushes their overall income to $58,232,” Mr Ozer said.

Then there are those who can take advantage of the couple’s cap of $600,000.

“With this being the maximum amount couples are able to invest under the new scheme, by doubling the investment this will defray the pension loss,” Mr Ozer said.

Finally, he said retirees who have put too much into non-home assets and aren’t eligible for the pension are the third winners, “even if their super funds have more than the transfer balance limit of $1.6 million”.

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