Episode Details

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors 

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Investing for Doctors is back for season two, and we're starting off by jumping straight into the 12 May 2026 Federal Budget, which rewrote the rules on capital gains tax, negative gearing and trust structures. In this solo episode, Dr. Bi breaks down exactly what's now law as of 1 September 2026, and what's still just proposed.

The headline changes: the 50% CGT discount is gone from 1 July 2027, replaced with CPI indexation and a new 30% minimum tax, which means every long term asset needs a valuation before that date. Negative gearing on established property is being quarantined to rental income only, new builds are exempt, and SMSFs are now banned from borrowing to buy residential property.

Still to come: a proposed 30% minimum tax on discretionary trusts and a three year restructuring window. Dr. Bi closes with his read on inflation, interest rates, and why the smart move is to rethink your structure, not stop investing. 

If you hold property, run a trust, or invest through an SMSF, this one's for you.

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TIME STAMPS:

00:00 Intro/Hook

04:22 CGT Discount Abolished and the New 30% Minimum Tax

09:18 Negative Gearing on Established Property Quarantined

14:41 SMSF Property Loans Banned and Small Business CGT Concessions

19:59 Proposed 30% Minimum Tax on Discretionary Trusts

25:02 Innovation Business CGT Concessions and Restructuring Advice

29:37 Macroeconomic Outlook, Will This Get Reversed?

33:16 Outro

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SHOW NOTES LINKS

https://ifdgroup.com.au/ 

https://doctorbi.com.au/ 

https://au.linkedin.com/in/mian-bi

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LISTEN TO THE PODCAST

Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN 

Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608 

Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast 

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FIND US HERE

Website: https://ifdgroup.com.au/ 

Facebook Group: https://www.facebook.com/groups/investingfordoctors 

Facebook Page: https://www.facebook.com/investingfordoctors 

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DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.