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Gift or guarantor & get your tax back before your pension

Drew Meredith and James O’Reilly unpack the rise of the Bank of Mum and Dad and the tough decisions parents are facing.

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About this episode

In this episode of the Australian Retirement Podcast, Drew Meredith and James O’Reilly unpack the rise of the Bank of Mum and Dad and the tough decisions facing parents who want to help their kids buy a home. Should you gift cash, go guarantor, or use other strategies? They explore the risks and rewards of each approach, how guarantor loans work, and what it means for your retirement and estate plans. Plus, they cover key retirement questions, including how to get tax back before starting an allocated pension and the basics of how estates work.

Whether you’re planning to help the next generation or protecting your own financial future, this episode is packed with practical insights.

 

Topics covered today

  • Are more tax changes on the cards from the Productivity Commission?
  • The pros and cons of gifting cash vs. going guarantor
  • How guarantor loans work, including the role of LVR (loan-to-value ratio)
  • The family, financial, and estate planning considerations when helping the next generation
  • Do this before your switch on your pension

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