Q&A - Should Tammy sell, which property, super access and commercial property in SMSF

In this Q&A episode, Stuart dives into some complex and common questions from listeners navigating investment property decisions, superannuation strategies, and long-term planning. Tammy asks whether refinancing an investment loan and increasing an equity release is the best way to fund home renovations and a car upgrade. Stuart explains why selling one of their properties might be a more efficient solution.Viktor, a long-term Melbourne investor, wants guidance on whether to sell one or more underperforming properties to upgrade the family home or wait for the next property cycle. Stuart breaks down the trade-offs between asset quality, timing the market, and using equity wisely.Adam asks for clarity on accessing superannuation after age 60 if you stop one of multiple jobs. Stuart provides a simple explanation of the rules and how they apply.Finally, Norm and Sharee, small business owners approaching 50, are considering using their SMSF to purchase their business premises. Stuart discusses the pros and cons of concentrating super in one asset and the long-term benefits of liquidity and diversification. He also weighs in on their plans to buy a holiday home, explaining ownership structures and strategies to fund it tax-effectively. A rich episode for property owners and planners alike.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.