After the Budget: What Investors Should Do Next with Julie Bullen | Ask An Adviser
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Why shouldn't investors panic after the budget changes?
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What is negative gearing and how does it change post-budget?
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Should investors reconsider property, trusts, and growth assets?
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What are the pros and cons of lump sum investing versus dollar cost averaging?
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Where would Julie invest $1 million: property or shares?
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It's not the time for people to panic.
Negative gearing is not a strategy.
The only people paying capital gains are those people who made money.
Is debt recycling actually worth it for investors?
Welcome to another episode of Equity Mates, a show where we explore what's possible in the world of investing. My name is Bryce.
And I'm Ren.
How should superannuation strategy be adjusted after the budget?
And today we are unpacking some of your big questions from the budget and more generally about how we build wealth.
Joining us in the studio, we have Julie Bullen, who is a financial advisor at Fox and Hair. Julie, welcome.
Thank you. Thanks for having me.
What financial planning should couples consider for kids?
Now, Julie, we love these Ask an Advisor episodes because for so many of the EquityMates community, they might be early in their investing journey or they might not be able to access an advisor. And this is their chance to put their questions to a professional financial advisor. And God, we got a lot of questions today. So many. Budget is obviously front of mind for people. And so we've got a bunch of budget questions where we'll start, but I think it's probably also triggered a lot of thoughts around more generally, how do we manage cashflow? How do we manage wealth building the decisions between property and shares? So I hope you're ready. Oh, and super as well. So I hope you're ready because we're going to start peppering you.
Awesome.
Let's do it. So let's start general. We got this question from Shane in our Facebook discussion group. He asked, now that you've had time to sit with it, what's your read a couple of weeks post-budget?
Yeah, there was a lot of hype going into it. There was a lot of talk. And honestly, I feel like it's a little bit of a non-event. I think there's been a lot of media discussions about how big these changes are going to be. If we were to quote Jimmy, it's the most controversial budget of the decade. And The reality is that for most people and the everyday person, it's not going to change materially the way that we should be investing. Negative gearing is not gone. If these legislations come through, it's just kind of diverted to a different time period. Capital gains, there is a change there, but for anyone earning over $45,000, you're paying 30% tax anyway. And let's remember, if you are paying capital gains, it's because you've made money.
So that's kind of the point of investing. And trust, which without going too far into it, you know, the mandatory minimum tax rate of 30% that's going to be applied, it is going to impact some people, but it shouldn't materially impact the reason that you have a trust, which is ultimately succession planning, asset protection, generational wealth.
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Chapters
8 chapters
1
Why shouldn't investors panic after the budget changes?
0:00–0:08
2
What is negative gearing and how does it change post-budget?
0:08–0:28
3
Should investors reconsider property, trusts, and growth assets?
0:28–0:53
4
What are the pros and cons of lump sum investing versus dollar cost averaging?
0:53–1:17
5
Where would Julie invest $1 million: property or shares?
1:17–1:38
6
Is debt recycling actually worth it for investors?
1:38–1:45
7
How should superannuation strategy be adjusted after the budget?
1:45–1:58
8
What financial planning should couples consider for kids?
1:58–38:07
Speakers
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