Wealth Coffee Chats

Div 293 Tax Explained: What Property Investors Need to Know Before EOFY

As we approach June 30, understanding Division 293 tax is critical for high-income earners and property investors making super contributions. In this episode, tax advisor Anthony Wolfenden breaks down how Div 293 works, who it affects, and why capital gains from property sales could unexpectedly trigger this extra 15% tax on concessional contributions. You’ll learn how to plan your super strategy smartly—even when the ATO wants a bigger piece of your gain.

Bought Off-the-Plan? Here’s What You Must Do Before Settlement

In this Finance Friday edition of Wealth Coffee Chats, Positive Money brokers Damien Hauser and Sarah Shown break down what every buyer needs to do after purchasing an off-the-plan property. From managing borrowing capacity to releasing equity at the right time, this episode is packed with practical steps to help you reach settlement with confidence. Learn how lifestyle changes, job moves, and even credit card applications can affect your loan approval—and why regular broker check-ins are essential for success.

How Alternative Assets Like Gold & Bitcoin Could Supercharge Your Portfolio!

In this final episode of the asset allocation series, Alex from Positive Real Estate dives into the world of alternative investments—a misunderstood yet potentially powerful part of a diversified portfolio. Learn about the role of gold, Bitcoin, private equity, and even art and collectibles in your investment strategy. Alex breaks down how these assets perform, their risks, and how they can be included across personal investments, retail super funds, and self-managed super funds (SMSFs). A must-watch if you're serious about long-term wealth building and want to understand the full picture of asset allocation.

Are Your Investment Properties Compliant? Audit Results Revealed

In this Property Management edition of Wealth Coffee Chats, we break down the findings from over 11,500 rental audits conducted in Victoria. What do the results say about minimum standards, property compliance, and the role of property managers and landlords? Host Cass Shostak shares insights on compliance trends, common failures (like mold and ventilation), and why staying ahead of these standards is not just good practice—it’s a smart investment strategy. Plus, find out how to access your Minimum Standards Checklist to avoid costly fines and protect your asset.

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.