Cameron Gleeson

They're perhaps looking to scale back from five days to three days a week.

They want to ensure that they've got that income coming in for, say, the next five to 10 years before they are able to access their superannuation in pension.

And, you know, we sort of talk about this sort of, you know, split of assets.

They've got two-thirds of their assets in superannuation, one-third in effectively their own name.

You know, how can I think about those different tax environments and what can sort of lead to good outcomes?

Well-

You know, with, I mean, we're recording this on budget day in May of 2026.

I think we're likely to see some CDT changes that come into effect for individuals when they hold assets in their own name.

It's likely that superannuation will be carved out from that.

And so the benefit of generating capital growth in super, I don't think will ever be stronger.

So I want to dedicate that allocation in super to capital growth.

And that's going to ensure I've got built up a really strong nest egg that I can then start drawing down on in pension phase.

And for these assets outside super, there's a bit more flexibility there.

I want to really focus on generating income with that portion of my overall assets and ideally some franked income there so I can obviously get a tax offset.

So that's my starting position.

Yeah, that makes sense.

Yeah.

So three ETFs.

Yep.

So I've gone with a diversified portfolio that's going to really focus on income.