Mo Money #466 How to invest tax smart in the new financial year
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Sep 4, 2025 Discover strategies for tax-smart investing that can save you thousands over time. Learn how restructuring investments and leveraging superannuation can optimize your financial outcomes. Explore the tax implications of various assets, from property to cryptocurrencies. Gain insights on managing accounts through trusts and super funds while addressing common listener queries. Finally, understand the importance of taking proactive steps toward financial freedom and the role of financial advisors in maximizing your investment gains.
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Choose The Right Tax Entity
- Consider tax entities: personal name, super, company, trust as each has different tax rates and rules.
- Use the entity that aligns with your income, access needs, and long-term plan to minimise tax drag.
Owner Determines Tax On Identical Income
- The same $10,000 of investment income can attract vastly different tax depending on the owner.
- Optimising who receives income across family members or entities can keep nearly half more returns to reinvest.
Avoid High Personal Tax On Investment Income
- If your investment income is taxed at high personal rates, move investments into lower-taxed vehicles like companies or bonds.
- Avoid routinely paying >30% tax on investment returns if you don't need immediate access to the cash.