money money money 912b wwgd: Selina can buy property or shares, but why is Glen unsure of both?
Mar 25, 2026
A listener wrestles with whether to buy investment property, pour more into ETFs, or keep cash in an offset account. They dig into a successful side business, cash reserves, super and mortgage mechanics. The conversation covers car lease decisions, portfolio concentration, estate basics and creative property and tax ideas for future growth.
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Keep Super Strong But Watch Contribution Caps
- Do continue maximizing super contributions but stop if you risk breaching caps; check catch-up space and tax consequences.
- Glen confirms Selena has A$366k super and has used catch-up capacity, so avoid further concessional contributions this year.
Concentrated ETF Position Grown Without New Contributions
- Holding a large concentrated ETF position without ongoing contributions creates portfolio concentration risk.
- Selena has ~A$380k in Perpetual ETFs (70% IVV) accumulated over four years with no current monthly contributions.
Niche Product Gives Brand Advantage Over Big Retailers
- A passionate niche product with clear quality differentiation can outcompete big-box retailers even as they later copy it.
- Glen highlights Selena's long-line waterproof leads fill a gap retailers often ignore, creating a durable niche brand advantage.
