Defy Gunadi's Posts
For the past few years, the Electric Car Discount has quietly become one of Australia’s most valuable tax concessions. Business owners have been able to provide electric vehicles to employees without paying Fringe Benefits Tax, and thousands of salary earners have used novated leases to drive away in a new EV while significantly reducing the […]
For decades, one of the most reliable tax planning strategies available to Australian investors has been remarkably simple: accumulate wealth during your working years and wait until retirement before selling your investments. The logic was straightforward. By selling shares, ETFs, investment properties or other growth assets during a year when employment income had reduced or […]
Imagine finding a pristine, modern property built only two years ago. The paint is fresh, the fixtures are contemporary, and the real estate agent confidently assures you it’s practically a brand-new asset. You crunch the numbers, expecting to claim full, uncapped negative gearing deductions against your salary under the new Federal Budget rules. But the […]
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 […]