Equity Mates Investing Podcast Ask an Adviser: Tax traps and property decisions – Listener mailbag with Matt Ingram
56 snips
Apr 27, 2026 
Matt Ingram, a financial adviser specialising in portfolios, super, property and tax, tackles real investor questions. He discusses positioning in volatile markets, what he’s buying now, brokerage transfers, tax points for kids’ accounts, geared ETFs and whether to pay down mortgages or invest. Fast-paced, practical and focused on decisions that matter for long-term investors.
AI Snips
Chapters
Transcript
Episode notes
Don't Obsess Over ETF Capital Gains For Kids
- Avoid over‑analysing ETF annual capital gains when investing for kids; focus on account structure and TFNs.
- Matt notes AMMA statements are complex and tax-efficient ETFs or all‑in products like DHHF simplify things.
Use Moderate Gearing Via Packaged Geared ETFs
- Try moderate gearing rather than extreme leverage and use packaged geared ETFs if desired.
- Matt highlights products like GHHF (30–40% gearing) as a sensible 'sweet spot' for longer horizons.
Avoid High Relative Fees On Microinvesting Contributions
- Minimise microinvesting fees or wait to accumulate before buying ETFs to avoid high percentage costs.
- Matt explains flat fees (e.g., $2/month) can be 2–6% of small contributions and erode returns quickly.