In this Australian Finance Podcast Q&A episode, Owen Rask and financial planner Alex Luck (from Everest Wealth Group) answer your burning money questions. Tune in to hear them break down:
– Whether paying off your HECS debt early is a smart move
– The difference between managed funds and ETFs
– Stepped vs level insurance premiums explained
– Renting out your home without triggering CGT
– The proposed $3 million super tax (Division 296) and why it matters
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Topics Covered
– Should you make voluntary HECS repayments?
– How HECS debt affects borrowing capacity
– Managed funds vs ETFs: key differences
– What is a stepped insurance premium vs a level premium?
– Should you rent out your home short term?
– How the 6-year CGT rule works
– What is the $3 million super tax (Division 296)?
– Why taxing unrealised gains is so controversial
– Long-term implications for young Australians’ super
– Tips for getting qualified tax and financial advice
