Charlie Viola

speaker

337 appearances 1 recordings 1 series first heard Jun 2026 last heard 1 Jun

Charlie Viola’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Jun 2026 with 1.

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Equity Mates Investing Podcast · Beyond the Budget: How Charlie Viola is approaching building wealth | Ask an Adviser · 1 Jun 2026 podcast

Just don't tax it twice.

Yeah, look, I think, like I said before, I think the threshold for the use of a family trust or discretionary trust has gone up.

So if you were thinking about using one of that, you probably have to have more money than what you did previously, because some of the flexibility of using that arrangement where you can split income to a non-working spouse or a lower marginal tax rate payer in your family group has gone because of that minimum 30% tax rate.

I think you just need to be mindful of that.

Where you're genuinely investing for growth, then, you know, whether you do it in your personal name or you do it in a company, you're going to kind of get pretty much the same outcome now, especially where, you know, obviously in companies there's no CGT discount.

You're going to end up with pretty much the same outcome.

So still be an investor, still get out, still be buying assets over a period of time.

If you think you're going to accumulate really large amounts and you want to retain earnings at about that 30% rate, then companies will likely end up a good solution based on what's currently being drafted.

You don't get the CGT discount, but the tax rate's still pegged at 30%.

Yeah, yeah, yeah, true, yeah.

And the CGT discount, if new money is invested where the current discount method has changed to the CPI method, we're going to get pretty close to 30% over time anyway.

And I think that was always their intent, right, to sort of have minimum tax rate on these earnings and unearned income, so investment income, at around that 30% tax rate.

Yeah, either that or use a company.

And, you know, we sort of preempt this with saying you need to go and get some professional advice around this.

Yeah, of course, of course.

But yes, the use of the trust, you know, they're going to put a knife to it if we can't distribute income down to a company.

Companies often haven't been used as the main investment vehicle because they're a bit less flexible.

So they don't have the same asset protection sort of characteristics to them.

You can't decide where you're going to send the income.

Obviously, income has or distributions or dividends have to go to shareholders.

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