Investments-General Archives - Julia's Blog https://www.bantacs.com.au/Jblog/category/investments/ By Julia Hartman Thu, 14 May 2026 23:44:37 +0000 en-US hourly 1 https://wordpress.org/?v=6.9.4 https://www.bantacs.com.au/Jblog/wp-content/uploads/2018/01/cropped-bantacs2logo-1-1-32x32.jpg Investments-General Archives - Julia's Blog https://www.bantacs.com.au/Jblog/category/investments/ 32 32 2026-2027 Budget https://www.bantacs.com.au/Jblog/2026-2027-budget/ Thu, 14 May 2026 03:52:16 +0000 https://www.bantacs.com.au/Jblog/?p=2028 Download PDF        I am very disappointed with this budget it claims to help people buy their own home but throws the homeless and those not in a position to buy under a bus.        A small investor buying an established home to provide rental accommodation will pay more tax than an investor in shares, ...

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]]> Debt Recycling!  Does shuffling funds around really change the nature of the debt? https://www.bantacs.com.au/Jblog/debt-recycling-does-shuffling-funds-around-really-change-the-nature-of-the-debt/ Thu, 23 Jan 2025 05:49:25 +0000 https://www.bantacs.com.au/Jblog/?p=1728 Download PDF       Well a lot of this has to do with whether your dominant purpose is a tax benefit.  Yep Part IVA, the ATO’s secret weapon that defeated capitalised interest arrangements.       Debt recycling, suggesting that you can change non tax deductible debt into deductible debt by buying whatever the promotor is selling.   Very ...

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]]> What You Need To Know About Insurance and Investment Bonds – Updated 08 04 2024 https://www.bantacs.com.au/Jblog/what-you-need-to-know-about-insurance-and-investment-bonds/ Tue, 02 Apr 2024 00:39:32 +0000 https://www.bantacs.com.au/Jblog/?p=1459 Download PDF      Unless everyone you want to provide for already has income of over $135,000 a year investment bonds do not offer a tax benefit.  Even then the limited tax benefit may be completely offset by the fact that capital gains on investment bonds do not qualify for the 50% CGT discount.   Probably the ...

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]]> It’s Time to Take CGT Seriously https://www.bantacs.com.au/Jblog/its-time-to-take-cgt-seriously/ Thu, 24 Nov 2022 03:53:03 +0000 https://bantacs.com.au/Jblog/?p=1190 Download PDF      Is it really giving unto Ceasar what is Ceasar’s when you pay tax on your earnings to save up and buy an asset, then inflation increases the value of the asset so that if you sell it or gift it you have to pay more tax?  It looks to me more like ...

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]]> To Fix or Not to Fix? https://www.bantacs.com.au/Jblog/to-fix-or-not-to-fix/ Tue, 04 Oct 2022 09:43:17 +0000 https://bantacs.com.au/Jblog/?p=1157 Download PDF At least the Reserve Bank has slowed down its rate of increase to only ¼%. Maybe that is a good sign the rate rises will stop soon. These days I am regularly asked whether a client should fix their loan. This is all about which way rates will go over the fixing period. ...

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