Ask an Adviser: Tax traps and property decisions – Listener mailbag with Matt Ingram
4/27/202634 min
From switching brokerage platforms to gearing, kids’ investing accounts, super catch-up contributions and the age-old mortgage-versus-investing debate, this listener mailbag covers the real questions investors are wrestling with right now. Bryce is joined by financial adviser Matt Ingram to work through how he’s positioning portfolios in a volatile market, where he’s seeing opportunity, and the practical decisions that matter most for long-term investors.
In this episode:
00:00 Listener Mailbag Intro
01:13 Market Volatility & Staying Calm
02:59 What Matt is Buying in Down Markets: ETFs, Tech & Resources
06:54 Moving Holdings Between Brokerage Platforms
09:51 ETF Strategy for Older Investors
13:01 Investing for Kids & Tax Considerations
15:18 Rebalancing Portfolio to Geared Products
17:31 Micro-Investing vs ETF Costs
19:30 US Stocks Tax Implications
20:24 Why Infrastructure in Portfolios is a MUST
22:35 Super Catch Up Contributions Explained
24:52 Investing in Property During Interest Rate Hikes
25:49 CGT Discount Drop Discussion & Property Outlook
27:29 When to Sell an Investment Property
30:14 Final Question: Pay Down Mortgage or Invest?
ETFs & stocks mentioned: Betashares Diversified All Growth ETF (ASX: DHHF), Betashares Wealth Builder Diversified All Growth Geared (30–40% LVR) Complex ETF (ASX: GHHF), Betashares S&P/ASX Australian Technology ETF (ASX: ATEC), BetaShares Global Cybersecurity ETF (ASX: HACK), Microsoft (NASDAQ: MSFT), Amazon (NASDAQ: AMZN), Tesla (NASDAQ: TSLA)
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Transcript preview
First 90 secondsSpeaker 00:00
[beep] Everything you're about to hear is for education and entertainment purposes only. Whilst we are licensed, we're not aware of your personal financial circumstances. Any advice is general advice. Equity Mates operates under Australian Financial Services License 540697.
Bryce Leske· Host0:15
We get so many awesome questions come through from the Equity Mates community, that sometimes we cannot answer them all. But today, we're gonna do our best in our listener mailbag with Matt Ingram.
Mitch0:25
Equity Mates.
Bryce Leske· Host0:26
Welcome to Equity Mates Investing, a show where we explore what's possible in the world of investing. If you've just joined us for the first time, a huge welcome to the community. My name is Bryce, and today Brent is not with me, but I'm joined by my financial advisor, Matt Ingram. Matt, welcome.
Matt Ingram· Guest0:42
Bryce, thank you. Thanks for having me.
Bryce Leske· Host0:43
Uh, as I said, we get so many questions, Matt. You often join us for an Ask an Advisor episode, which is what we're doing today. But rather than structure it around a particular topic, we are just gonna bang out as many questions as we can that have come through from the Equity Mates community, be it to do with how you're positioning your portfolios today for clients. We've got a number of, uh, investing-related questions around brokerage accounts, tax implications in the US, superannuation questions, property questions, you name it. Let's get stuck into it. The first one is a broad one. So much going on in markets at the moment. How have you been approaching discussion with clients during a time where we can wake up every morning and there's a new piece of information to try and consider?
Matt Ingram· Guest1:28
There's a lot of information out