Investopoly Q&A - Bitcoin, debt recycling & the 6-year rule: smart structuring for financial independence
In this wide-ranging Q&A episode, Stuart tackles advanced strategy questions across crypto, capital gains tax, debt recycling, super structuring, and long-term portfolio design.
First, he unpacks the tax realities of holding Bitcoin via an ETF versus direct ownership, including whether using Bitcoin as a future currency actually avoids CGT (spoiler: the tax system doesn’t work that way). He also explores custody risk and what “safest” really means when holding digital assets directly.
The episode then shifts to a couple crystallising a large capital gain and weighing up debt recycling, super contributions, and leveraging through NAB Equity Builder. Stuart breaks down the maths of deductible versus non-deductible debt, Div 293 considerations, and how to balance tax efficiency with flexibility and early financial independence.
He also revisits the six-year rule for CGT on former principal residences, clarifying eligibility, deductibility during exemption periods, valuation strategies, and whether banks need to be notified when occupancy changes.
Finally, for a defined benefit member building wealth outside super, Stuart explores portfolio diversification beyond property and how defined benefit interests interact with the $2 million transfer balance cap.
A technical but practical episode focused on sequencing, structure, and preserving optionality on the path to financial freedom.
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