Q&A - Property vs Shares: retirement sequencing, and the cash-waiting strategy

Pre-Order Wealth by Design HereThis episode brings together four listener questions that each wrestle with a different dimension of long-term wealth building, from the early decisions that set the trajectory to the late-stage sequencing that determines how comfortably retirement unfolds.The first comes from a 28-year-old physiotherapist two years into his career, carrying $1.1 million in mortgage debt and a $98k HECS liability, asking whether surplus savings should flow into ETFs or the offset account, and whether his wife's extra super contributions are optimally placed.The second involves a couple aged 63 and 53 with three beachside properties, $780k in PPOR debt, and a combined income of $150k, working through four possible exit strategies to generate $150k per year in retirement income while preserving as much capital growth as possible for as long as practical.The third is a thoughtful counter-perspective on Australia's proposed CGT changes, arguing that redirecting capital from residential property into shares could strengthen the nation's productive capacity and reduce its dependence on housing and mining wealth.The fourth comes from a 44-year-old with three Brisbane investment properties, no shares, and 50% of his super sitting in cash since the GFC, waiting for the next major dip. He asks whether to buy a fourth property or begin tilting toward shares, and whether his cash-timing strategy inside super is sound.My new book is available for pre-order now: Pre-ordering the book will help me get it into bookstores. So please do me a favour - please consider pre-ordering now - links and pre-order bonus are available here: https://prosolution.com.au/book-preorder-bonus Do you have a question for the podcast? Email us at [email protected]. If you're interested in working with our team and me, discover how we can work together here: https://prosolution.com.au/family-office-servicesIf this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://prosolution.com.au/stay-connected IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.