The Structuring Podcast

Fan Mail - Send us a Text MessageTerry Waugh is a solicitor, mortgage broker and tax adviser.Today’s topic is moving into an investment property compared to moving out of a main residence.— If you would like to ask a question which could be answered by Terry on the podcast please go to the podcast page and follow the instructions.Support the showwww.structuring.com.au

Fan Mail - Send us a Text MessageTerry Waugh is a solicitor, mortgage broker and tax adviser.--In this episode we welcome special guest Nick Block, founder and financial advisor at ID Advice, one of Australia’s very few hourly-only advice firms.Nick breaks down the mechanics and myths of debt recycling, explores tax-efficient investment choices, and uncovers the pitfalls of trust structures, pooled super funds, and investment bonds.Whether you're building wealth, planning for your children’s financial future, or curious about superannuation strategies, this episode is packed with practical, no-fluff insights you can apply immediately.In this episode we discuss:00:38 – About Nick Block and ID Advice01:26 – What debt recycling is and how it works02:27 – Choosing between high-yield and low-yield ETFs03:59 – Interest-only vs principal-and-interest loans04:45 – When an investment becomes positively geared05:27 – Harvesting capital gains as part of a recycling strategy06:36 – The tax implications that must be considered07:08 – Using superannuation alongside debt recycling08:14 – Why trusts often don’t work for debt recycling09:18 – Issues with pooled super funds and capital gains12:10 – When an SMSF is appropriate13:46 – Property inside super15:48 – A strategy for dollar-cost-averaging debt recycling21:43 – Investing for children and avoiding minor-tax traps28:12 – Investment bonds and their real tax treatment34:29 – Bucket companies and retained earnings--If you would like to ask a question which could be answered by Terry on the podcast please go to the podcast page and follow the instructions.Support the showwww.structuring.com.au

Fan Mail - Send us a Text MessageTerry Waugh is a solicitor, mortgage broker and tax adviser.Today’s topic is interest only loans.— If you would like to ask a question which could be answered by Terry on the podcast please go to the podcast page and follow the instructions.Support the showwww.structuring.com.au

Fan Mail - Send us a Text MessageTerry Waugh is a solicitor, mortgage broker and tax adviser.Today’s topic is claiming interest when building a granny flat.— If you would like to ask a question which could be answered by Terry on the podcast please go to the podcast page and follow the instructions.Support the showwww.structuring.com.au

Fan Mail - Send us a Text MessageTerry Waugh is a solicitor, mortgage broker and tax adviser.Today’s topic is foreign persons and discretionary trusts, especially in relation to NSW law.— If you would like to ask a question which could be answered by Terry on the podcast please go to the podcast page and follow the instructions.Support the showwww.structuring.com.au