Investopoly
Investopoly is a twice-weekly podcast designed to help you make better financial decisions and build wealth with clarity and confidence. Hosted by Stuart (tax adviser, financial adviser, and mortgage broker) and Campbell (senior financial adviser), each episode delivers concise, practical insights grounded in real-world strategy, research, methodologies, and case studies.
You will get two episodes each week: a main episode that deep-dives into a single wealth-building topic, and a Q&A episode that answers listener questions and real scenarios. Send your questions to questions@investopoly.com.au
We also writes a weekly blog, and many podcast topics build on those ideas and frameworks. Stuart's forthcoming book, Wealth by Design, will be available in July 2026.
Investopoly
Ep 415: Tax grabs dressed up as housing policy: what investors need to know
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Pre-order Wealth By Design Here
Both Houses have passed the Treasury Laws Amendment (Tax Reform No. 1) Bill 2026. Royal Assent is pending but considered a formality. For investors, property owners, business owners, and superannuation members, the changes are substantial, and the details matter enormously.
This blog provides a clear, technical breakdown of what the legislation actually does. Negative gearing losses on established residential property purchased after Budget night will be quarantined from 1 July 2027, with existing properties grandfathered under previous rules. The 50% CGT discount is replaced by cost base indexation and a new minimum 30% tax on capital gains, a change that, for long-term investors in assets growing at 7% per annum, lifts the effective tax rate from roughly 20–23% to around 30–35%. SMSFs lose the ability to borrow for residential property, with a commencement date of approximately mid-August 2026. Trust capital gains rules are also changing, though the legislation has not yet been released.
Stuart addresses the government's framing directly: the claim that these changes improve housing affordability is not supported by the Treasury's own modelling, nor by the historical record in Australia, New Zealand, or the United Kingdom. These are tax revenue measures.
The blog also covers the new $250 worker tax offset, the $1,000 instant work-related deduction, important transition rules for existing assets, and why low-income taxpayers with unrealised gains should consider crystallising them before 1 July 2027.
Our most popular free guides:
Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes.
My new book, Wealth by Design, is out now:
Buy online or in bookstores. The ebook is available now, audiobook coming soon.
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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.
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