Q&A - Deploying an inheritance, selling an average property, and funding a long retirement
Notes de l’épisode
Four listeners at very different scales. "James," 45, describes himself as not being great with money but ready to fix that with a $480k inheritance, a high income, and 15 years to run. His head is spinning: pay off the mortgage, debt recycle, go all-in on ETFs, start an SMSF, and is property still viable over a 14–15 year horizon versus shares? Stuart brings order to the questions.
Alex, in his early 40s, asks a question many quietly avoid: when do you sell an underperforming or average investment property? Having bought in Perth after exceptional growth using a buyer's agent, he now doubts the fundamentals and wonders whether to redeploy toward ETFs.
Finally, Dominic, turning 55 with an $8.8M property portfolio and a just-announced redundancy, wants to engineer a specific outcome: $160k a year for the first 15 years and $110k from 70 to 100, inflation-adjusted, while slowly selling down and bridging the gap to super.
Sequencing, structure, and the hold-or-sell discipline throughout, with the usual reminder that these are general discussions, not personal advice.
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