Q&A: Regional v. blue-chip, sell 50% to my partner, when to take profits and more

Investopoly

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In this Q&A episode, Stuart tackles a variety of listener questions on property investment, super contributions, and share portfolios. One listener asks whether it’s wise to leverage for an investment property now, even if it might need to be sold in the next five years. Stuart emphasises the long-term benefits of property ownership, combining gearing with time, and suggests a strategy to buy an upgraded home and rent it out.
Another listener seeks advice on redirecting voluntary super contributions to their mortgage for short-term cash flow relief amid rising interest rates. Stuart supports this approach, provided cash flow is well-managed, noting that adjusting investments during economic challenges is common.
There’s also a query about when to sell single stocks that have performed well. Stuart provides a straightforward framework to evaluate stocks based on value and growth prospects, offering practical advice on taking profits.
Stuart also advises on whether to convert a super fund into a wrap account 10 years before retirement, weighing the costs of capital gains tax and the potential benefits of professional advice. This episode provides valuable insights into key financial decisions across different life stages.

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IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.

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