Investopoly

Ep 350: Reduce CGT by 28%! How to own property in a company.


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New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.

Read full blog here.

In this episode, Stuart unpacks a lesser-known strategy in property investing: using a private company to hold investment properties and how it could cut your capital gains tax (CGT) by up to 28%.

While companies don’t get the 50% CGT discount or immediate negative gearing benefits, Stuart explains how careful structuring, like borrowing personally to buy company shares, can preserve gearing benefits and open the door to massive long-term tax savings.

Using real-life scenarios, he shows how distributing capital gains slowly over many years, using franking credits, can drop your effective CGT rate to as low as 10%, less than half what you’d pay in your personal name.

He also breaks down:
 ✅ When this structure works best (e.g. for PAYG and self-employed investors)
 ✅ How to avoid land tax surcharges
 ✅ What to watch out for, like borrowing limitations and upfront costs

This episode is essential listening if you’re looking to build long-term wealth through property and want to know whether a company structure belongs in your portfolio mix.

Tune in to hear when and why this strategy works and when it doesn’t.

Do you have a question? Email: [email protected] or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts

If you're interested in working with my team and me, discover how we can work together here: https://prosolution.com.au/prospective-client/

If this episode resonated with you, please leave a rating on your favourite podcast platform.

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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.

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InvestopolyBy Stuart Wemyss

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