Wealth Coffee Chats

What 11,500 Rental Audits tell us about Min Standards in Victoria

Last-Minute Tax Moves to Save You Thousands Before June 30

Tax Tuesday is here, and this Wealth Coffee Chat is packed with critical strategies you can still implement before June 30 to dramatically reduce your tax bill. Whether you're a business owner, property investor, or PAYG employee, this episode breaks down proactive tax planning tactics—from instant asset write-offs and superannuation contributions to prepaying expenses and claiming depreciation. Don't leave money on the table—take control of your financial future while there's still time!

How to Save $61K on Your Home Loan by Doing This One Thing

In this Finance Friday edition of Wealth Coffee Chats, we unpack how a simple repayment strategy could save you over $61,000 in interest and shave years off your home loan. Discover the power of maintaining current repayment levels after a rate drop, why banks don’t always adjust your minimum repayments, and how brokers calculate your true borrowing capacity. With insights into HEMs, budgeting, and lender conversations, this episode equips you with practical tools to take control of your property finance journey. Don’t forget—Positive’s Property Summit is just around the corner!

Why Shares Are the Most Active and Emotional Asset in Your Portfolio

In today's Wealth Coffee Chat, Alex breaks down the dynamic world of equities—also known as shares—and why they’re considered the most active asset class in your portfolio. From global diversification and blue-chip stocks to index funds and franking credits, discover how this high-risk, high-reward asset class can fast-track your wealth-building journey. Learn the key distinctions between direct equities, managed funds, and the hidden exposures within your super fund. Whether you're a seasoned investor or just starting out, this episode helps demystify one of the most talked-about investment vehicles in today's market.

Why 22% of Property Investors Sell in 12 Months – Don’t Be One of Them!

In this special Property Management edition of Wealth Coffee Chats, Cass Shostak explores a concerning trend—22% of property investors are selling within just 12 months. What’s causing this rapid turnover, and what can you do to avoid it? Cass breaks down the real costs of selling too soon, the long-term benefits of holding, and how tightening vacancy rates and rental returns play into the bigger picture. Plus, find out how the upcoming Property Summit could help you stay in the game and build lasting wealth.

Should You Invest Your Super in Property or Crypto? The Truth About SMSFs Revealed

On this episode of Wealth Coffee Chats, we deep-dive into the pros and cons of using a Self-Managed Super Fund (SMSF) to invest in property, shares, and cryptocurrency. Discover how to structure your SMSF to minimise costs and maximise long-term returns, and learn why loan management is the secret to supercharging your wealth inside Super. Whether you're a business owner eyeing commercial property or an investor weighing crypto versus shares, this episode breaks it all down. Get smarter with your SMSF strategy—your future self will thank you.

Unlock Equity & Use Rate Cuts to Buy Your Next Investment Property

In this Finance Friday edition of Wealth Coffee Chats, we dive into what the latest 0.25% interest rate cut means for investors and homeowners—and how to use it to your advantage. Learn how to review your current mortgage, calculate available equity, and prepare to access funds for your next property purchase. With lender tactics, broker negotiation tips, and simple formulas to estimate borrowing capacity, this episode equips you with the practical tools to act confidently in today’s shifting market. Plus, we spotlight the upcoming Property Summit and why it’s a must-attend.

Property in Your Portfolio: Why It's Underused in Super But Overlooked in Planning

Property might be Australia’s biggest asset class, but did you know it’s often underrepresented in your superannuation portfolio? In this episode of Wealth Coffee Chats, Alex dives deep into the true role of residential and commercial property in long-term wealth strategy. Learn how property compares to other asset classes, why it's not as liquid as you might think, and how it fits within your income and retirement goals. A must-watch for any investor aiming for balance and performance in their portfolio.

How to Earn $170 More Rent Per Week Without Changing Suburbs

Can you charge more than market rent? In this episode, Cass Schost and Dean Offering break down a real investor case study from Pallara, QLD—where smart upgrades like solar, Ethernet wiring, and security tech helped push the rent $170 above market average. Learn how to increase cash flow, attract premium tenants, and shorten days on market using targeted strategies for high-demand homes. A must-watch for investors looking to squeeze more value out of their properties.

Backyard Developments: Big Profits or Tax Disaster? What Every Investor Must Know

Thinking about subdividing or building out the back of your property? Before you grab the shovel, tune in to this Tax Tuesday episode where Daniel McPherson explains the hidden risks in backyard developments. From finance pitfalls and GST to losing your main residence exemption, this session breaks down why these “mum and dad” projects require serious planning. Learn how to avoid costly mistakes and unlock your equity the smart way.

Banks Are Dropping Rates! How to Negotiate & Restructure Loans in 2025

With fixed interest rates dropping and lenders offering better deals to new clients, now is a prime time to renegotiate your mortgage. In this episode of Wealth Coffee Chats, we explore how to secure a better rate, the power of discharge forms, and why reviewing your loan structure annually is critical—especially for investors scaling their portfolios. Learn actionable finance tips to protect your cash flow and set yourself up for the next property purchase.

What Is Fixed Interest? The Most Misunderstood Investment Explained

Fixed interest investments like bonds and term deposits are often overlooked—but they play a powerful role in protecting and stabilising your portfolio. In today’s Wealth Coffee Chat, our resident financial planner breaks down what fixed interest really is, how it works, and why it matters in 2025. Learn about government vs corporate bonds, how interest rate changes impact capital value, and how this underrated asset class complements your wealth-building strategy.