Navar Troselu

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154 appearances 1 recordings 1 series first heard May 2026 last heard 21 May

Navar Troselu’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 May 2026 with 1.

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So the ones you bought last month

don't qualify, the ones you bought two, three years ago do qualify.

So the issue then becomes when you sell some of that holding, how do you calculate the gain?

So most people default to FIFO or first in, first out.

And a lot of accountants default to this as well just because it's easy to do, not necessarily the best thing to do.

And that's where you sell the oldest parcels first and you calculate the gain accordingly.

But there's a few different strategies there.

We won't get into all of them, but there's some that purposefully try to minimise the tax you pay, some purposefully try to maximise the tax you pay.

There's a good reason for that one.

But you have a lot of flexibility in the Australian tax system for that.

Yeah, so that's a great question.

So this is where a little bit of forward thinking comes into play when selling.

And so if your income is relatively stable every year, then this is less of a thing you'd probably do.

But if you're a business owner like myself whose income can go very high and very low depending on the year,

Sometimes it's a good idea to get rid of your big winning parcels when you have a low income year.

So if I say, for example, say I earned zero dollars this financial year personally, but I'm sitting on these gains in a stock or an ETF I own.

this might be a good time for me to go, well, I need to sell some, so I'll sell those big winners first because I have $0.

That capital gain might be only $10,000.

Now I'm barely paying or probably paying no tax on that because I'm under the threshold.

So it's really about planning ahead.

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