u/Spinier_Maw

More like many cents. I have a fair grasp on numbers, but I am not an expert. So, please correct me if I am wrong.

• Buying the most expensive house you can afford seems like the best option now. Then, you live in it forever and downsize it tax free.
• Super is a big winner. It still has low tax rates. And you can still transfer tax free to pension mode.
• Dividends investing is more attractive now. It has franking credits which can offset a huge chunk from the marginal tax rate.
• If you already have an IP, congratulations. Hold onto it forever. Never move in. Never sell. Keep refinancing to keep the negative gear. EDIT: Refinanced fund can only be used on the same property, so it has limited usage especially for units.
• High yield IPs are still a thing. So, units, old or new are still attractive.
• Houses as IPs are basically limited to new builds. That severely limits options.
• Growth investors are screwed. Good bye FIRE. Barista FIRE might be better. You work a minimum wage job and supplement by drawing down investments.
• Trusts are also screwed. It's higher costs for not much tax benefits. Still viable for ultra rich or complicated family structure.

Feel free to add. Or, correct me. Thanks for reading!

It's exempt from the Centrelink asset test.

If you have equal amounts outside and inside Super, only outside Super counts when you are below 60. That makes you easier to be eligible for Jobseeker or similar.

If you have everything outside Super, you are probably not eligible for payments and will be forced to draw down your investments.

I know we always think about ideal scenarios and exceeding Super caps. The other side of the coin is different, isn't it?