Episode Details

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In this Q&A episode, Stuart dives into questions around co-investing in property with family, selling to adult children, managing tax exposure, and adjusting share portfolios amid market volatility.

He begins by exploring the complexities of joint property ownership among siblings, highlighting the importance of equal ownership, clear legal structures, and protective clauses to manage risk, especially around relationship breakdowns or financial stress. He also covers how to structure a family property when parents will live in it, including handling rental income and tax compliance.

Next, Stuart responds to a parent considering selling 50% of an investment property to their daughter and her partner. He explains the capital gains tax and structuring implications, and whether the strategy is a sound path toward intergenerational wealth transfer.

The episode also features guidance on portfolio rebalancing in volatile markets, including whether to reduce concentrated holdings or invest in emerging market ETFs—plus a few fund suggestions for those looking at Asia.

Lastly, Stuart clarifies the six-year CGT exemption rule and answers a property strategy question for a couple struggling to balance rentvesting, affordability, and long-term home ownership.

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