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In this episode, Campbell dives into one of the most debated investment topics: property versus shares. Drawing on a practical, real-life scenario, he explores how much capital growth a property needs to produce before it outperforms a share portfolio, factoring in critical variables like leverage, tax implications, and ongoing costs. By comparing a leveraged property investment to a diversified, income-generating share portfolio, Campbell illustrates why the intuitive assumption that property will always outdo shares isn’t guaranteed.

He sheds light on the tipping point where a property’s growth rate must surpass around 5.4% just to match returns from shares—and even higher if you consider selling and incurring capital gains tax. Campbell also examines how retirement timing affects the final outcomes, revealing that selling down shares strategically can help minimise tax more effectively than selling a single, large property.

Far from a one-size-fits-all conclusion, this episode emphasises the importance of understanding the nuances of both asset classes. Whether you’re considering a property purchase, diversifying into shares, or pondering if it’s time to shift strategies, Campbell’s insights will help you make more informed decisions about where to invest your hard-earned money. Don’t miss this chance to gain clarity on a perennial investment question.

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Important

This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.