93. Q&A: Optimising CGT, home bias and when spouses don't agree
Summary
In this Aussie FIRE episode, hosts Hayden and Dave tackle three listener questions on home bias for overseas retirement, spousal risk tolerance conflicts, and capital gains tax optimization. They discuss the complexities of ATO deemed disposal rules when relocating and suggest seeking specialized tax advice. For couples with differing risk appetites, they recommend finding a middle ground or splitting investments to balance comfort and growth. Finally, they explain how to manually select specific share tranches to minimize tax liabilities when selling ETFs, highlighting tools like Novexa.
Topics discussed
Leverage and risk perception in property
Show introduction and host welcome
Episode overview and listener questions
Discussion on Sydney housing costs
Retiring overseas and home bias
Tax residency and deemed disposal rules
Personal views on geo-arbitrage
Benefits of Australian home bias
Challenges of changing asset base
ATO control and international brokers
Setting up foreign financial hubs
Spouse disagreement on risk tolerance
Common risk/saver dynamics in couples
Resolving fundamental vs knowledge gaps
Perception of market crashes
Differing perceptions of high and low risk
Property risk and transaction costs
Split investment strategies for couples
Compromise strategies and joint investing
Communication and moderate risk returns
Selecting which ETF tranches to sell
Record keeping for share sales
Using tools like Novexa for control
Tax optimization and income timing
Methodical planning for share offloading
Episode summary and key takeaways
Call to action and contact info
Standard financial disclaimer
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