Is Your Portfolio Structure About to Cost You Thousands?

Welcome to the nineteenth episode of Property and Coffee, the Melbourne podcast that blends smart property decisions with the city's iconic coffee culture.In this episode, hosts Matt Atkinson and Matt Skehan sit down with Kartik Lakhani, a Director at Lakhani & Co, who specialises in breaking down complex fiscal legislation into actionable wealth architecture.With major tax overhauls on the horizon, Kartik brings a sharp, practical perspective to one of the most pressing issues facing investors today. Together they unpack the upcoming federal budget changes and explore how to keep your portfolio resilient through the multi-year transition ahead. They will be serving up essential insights on:The Federal Budget Process & Timeline: A clear walk-through of how a budget proposal becomes law, what happens when the Senate is locked in debate, and why there's such a long lag before the negative gearing and CGT changes take effect on 1 July 2027, plus how to make sound investment decisions while reforms are still only "proposed".Unpacking Negative Gearing & CGT Reform: Dissecting the reality of "quarantined" losses in plain English, weighing the tax perks of new builds against the historical capital growth of established properties, and understanding the demise of the 50% CGT discount as it gives way to a new indexation method and 30% minimum tax, including the "lock-in effect" that could leave investors too afraid to sell.Actionable Strategies for Individuals, Companies & Family Trusts: Identifying the strategic window to restructure or realise gains under the old rules before the deadline, the double hit landing on family trusts, and whether buying property through a company now looks more attractive under the new landscape.Future-Proofing the Architecture: Designing the ideal, future-proofed portfolio structure under the new laws, knowing when it becomes "too late" to bring in an expert, and the three red flags in your asset protection setup that make a professional review non-negotiable.The hosts are here to be the fuel for your financial future, proving that success in the Melbourne market is best achieved with expert advice and a freshly brewed cup.Get to know the Matts and discover their mission to help you navigate property finance and buying strategies, one essential insight and perfect coffee at a time.