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Q&A- Sequence of returns risk retiring early: bridging to super

Q&A- Sequence of returns risk retiring early: bridging to super

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Sequence-of-returns risk in early retirement is manageable with a big enough cash buffer. What I'd test is how you'll feel spending it.In this listener Q&A, I work through Michael's plan to retire at 52 and use an ETF portfolio plus three years of living expenses in an offset to cover the eight to ten years until he can access super. I also explain why I like locking in an undrawn loan facility before you need it. Then I look at a 33-year-old couple's debt recycling bonus and RSU income into ETFs, and where ownership structure, tax drag, and internally geared ETFs fit in. I cover what the draft 30% minimum tax on discretionary trusts means for passive investment trusts (short answer: do nothing yet). I finish with whether money above $250,000 in an offset account is at risk.00:00 Michael's question: retiring at 52, before super access 02:39 Do the numbers stack up? 03:15 Building a valuation-aware ETF portfolio 04:43 The behavioural test: spending your cash buffer in a downturn 06:15 Should Michael gear any further? 07:58 Locking in borrowing capacity: borrow when you don't need it 11:47 Listener two: debt recycling RSUs and bonuses into ETFs 12:54 Why RSUs matter for blue-chip property demand 15:59 Spouse super contributions, and a tax policy idea 18:20 Super contribution splitting 19:42 Ownership structure for a debt-recycled portfolio 23:03 ETF distributions and tax drag 24:24 Is a non-trading investment company worth it? 25:21 Internally geared ETFs: GHHF and GBGL 27:14 Justin's question: the proposed 30% minimum tax on trusts 28:26 Problems with the draft legislation 30:09 Options: gearing, CGT rollover, fixed elections 31:09 Why to wait: 1 July 2028 start and an election first 32:25 Craig's question: offsets above the $250,000 guarantee 34:15 Checking whether your lender is an ADI 34:31 Coming up: are you on track if your wealth is outside super?Related episodes: Ep 427: How to assess whether property and share markets are attractively priced https://investopoly.buzzsprout.com/2005600/episodes/19832497-ep-427-how-to-assess-whether-property-and-share-markets-are-attractively-pricedEp 425: Family trust investing: Are trusts still worth it under proposed tax changes? https://investopoly.buzzsprout.com/2005600/episodes/19764156-ep-425-family-trust-investing-are-trusts-still-worth-it-under-proposed-tax-changesQ&A - Cash-heavy at 48, bridging to early retirement, and debt-free at 31 https://investopoly.buzzsprout.com/2005600/episodes/19753485-q-a-cash-heavy-at-48-bridging-to-early-retirement-and-debt-free-at-31Optional: Q&A - Untangling a messy structure, cutting losses, and low-income investing https://investopoly.buzzsprout.com/2005600/episodes/19720854-q-a-untangling-a-messy-structure-cutting-losses-and-low-income-investingRead Stuart's latest book? He's only got 19 reviews on Amazon so far, if Wealth by Design helped you, leaving one would mean a lot: https://www.amazon.com.au/review/create-review?asin=192318654XRun your own business? Check out Business by Design, Stuart and Mena's show on starting, growing and exiting a business, at https://www.businessbydesignpodcast.com/Our most popular free guides:Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes.Download them hereGot a question for the podcast?Email us at questions@investopoly.com.auSubscribe to my weekly blog:Stay connected hereImportantThis podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.
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