Defy Gunadi's Posts
Now that the Division 296 legislation is officially part of the Australian tax landscape, high-wealth investors are facing a new reality. While the headlines are full of warnings about the $3 million threshold (indexed to $3.15 million for 2026-27), the most successful investors aren’t panicking—they are rebalancing. The secret to navigating this new surcharge lies […]
For over thirty years, Australian small businesses have used the quarterly superannuation cycle as a de facto short-term cash flow buffer. By accruing super liabilities throughout the quarter and paying them 28 days after the period ends, businesses could keep that capital working within their operations. That era ends on June 30, 2026. As we […]
Introduction: Taking Control in a High-Rate Environment As we move into the second quarter of 2026, many Sydney investors are asking a familiar question: “Is it still worth buying property through my Super?” With the RBA cash rate sitting at 4.10% and SMSF-specific loan rates currently averaging between 6.6% and 8.95% (for related-party borrowings), the […]
What Every Property Investor Must Review Before Buying Their Next Investment Introduction If you are planning to purchase an investment property in 2026, one of the biggest mistakes you can make is assuming that finance and structure will simply “work themselves out.” Over the past 6 – 12 months, lenders across Australia — including ANZ, Commonwealth Bank, […]
Many small business owners, IT contractors, consultants, doctors, and medical practitioners operate through a company or trust that qualifies as a personal services business. A common assumption is that once the Personal Services Business (PSB) tests are satisfied, the structure is effectively “safe” from further scrutiny. In practice, that assumption can be dangerous. Even where […]
Over the past few years, we have seen a significant increase in property investors buying investment property in a trust structure. In 2026, this trend continues to grow as investors become more aware of land tax exposure, asset protection risks, and the importance of long-term tax planning. Many investors initially purchase their first property in […]
Doctors are among the most dedicated and highly educated professionals in our community. Years of training, long hours, and constant responsibility mean that most medical practitioners quite rightly focus their energy on patient care rather than on tax, structures, and financial administration. In practice, this often means financial decisions are delegated. Many doctors rely heavily […]
In our two-part series last year, we explored testamentary trusts in great depth, including how they are created under a will and why they have become a central pillar of modern estate planning. This article works as a practical follow-on guide. Rather than repeating the full theory, we focus on the finer and often misunderstood […]
Introduction At Investax, we regularly meet property investors who are genuinely surprised by how strict Australia’s vacant-land tax rules are. Recently, a client reached out after purchasing a vacant block with plans to build an investment property. His intention was simple: settle the land, lodge his DA, obtain approvals, start construction and eventually rent the […]