@getrichwithrach: What do I think about changes to negative gearing and trusts #finance #money #economics #housing #budget

Get Rich With Rach
Get Rich With Rach
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Region: AU
Saturday 16 May 2026 02:37:18 GMT
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runpupco
runpup :
So grateful you speak on 2x naturally 😅🥰
2026-05-16 05:12:49
1293
swagsterbunny
swagsterbunny :
amazing content please never stop making these
2026-05-16 04:08:40
371
farmernass1468
Lachlan Nass :
The minimum 30% CGT is the real kick in the guts. Especially for assets other than resi property
2026-05-16 07:41:28
106
ash.jk
Ash :
If this was really about housing then the gov wouldn’t be applying the CGT changes to shares, business etc. they should be wanting to incentivise other types of investing away from housing (if that was really their goal). They just want us to have nothing
2026-05-16 10:53:13
60
nesryn247
Nesryn247 :
I’m one of those consistent share investors… this is SO ANNOYING!!!
2026-05-16 04:05:13
96
_jelly888
Jelly :
You’re so good at explaining all this! Thank you!
2026-05-16 03:11:00
88
rosiegracebakerr
Rosie Baker :
Thank you!! Love your content and explanations
2026-05-16 03:05:52
39
roguehue
RogueHue :
You can still negative gear on any property owned before june, just not going forward unless its a bew build
2026-05-16 12:24:51
19
christianwelsh0
Christian Welsh :
Thanks for explaining something that even ChatGPT can’t help me understand!
2026-05-17 01:35:40
7
santaonrecord
The Real Santa :
“Ease of access to credit” is a correlating factor of housing price bubble, not the drive, but I agree changing debt leverage/ lending laws would’ve more effectively squashed investor appetite in favour of new buyers. Nice video 👏👌
2026-05-16 04:39:01
18
findyourflow1music
findyourflow1music :
This information was well dissected and easy to understand thank you. People with multiple properties have too much leverage compared to first home buyers so this is good. And it should also be illegal for landlords to have investment properties vacant for extended periods. That either creates or heavily contributes to the housing supply issue. And housing is a necessity. It shouldn’t be treated as something for profit. As a society we need to ensure everyone has a house to live. Literally nobody should be homeless.
2026-05-16 10:15:50
9
hollyatchison_
Holly Atchison :
So if I am buying shares every month with the goal of not pulling it out for 30/40 years I’m going to have to figure out inflation every month for 40 years what the fuck🤣🤣🤣 how will they be checking this ahahaha
2026-05-17 22:38:40
7
kontentwithlife
KONTENT-with-LIFE :
Thanks, Rach. Silly Q, but what happens if a negatively geared property is sold before it reaches the stage of being positively geared? How would the losses be treated?
2026-05-16 03:01:35
15
woodsiemp
Maryjane :
should note negative gearing has not been scrapped for commercial property, so more people may look at entering that market for investment
2026-05-16 12:07:41
11
tianacotto123
tianacotto123 :
Turns out my attention span is completely fine! Did not even realise this was 9 minutes. Thank you for this, perfect speed and clarity for my brain to comprehend xx
2026-05-20 20:01:06
5
edendale_homestead
Edendale_Homestead :
first dip in Melbourne was probably more to do with COVID, everyone moved to Brisbane Perth etc out of Melbourne
2026-05-20 02:22:30
0
carlosquintero_
carlosquintero :
it will dampen a bit of the investor demand on real estate, which is a great thing for the housing crisis
2026-05-16 05:49:42
5
tins..11
Tins :
taxpayer-funded landlord welfare system has taken a hit = 😭😭😭
2026-05-16 19:31:21
9
liv.mortimer.eade
liv.mortimer.eade :
Me listening to this entire thing
2026-05-18 09:42:41
6
gracie.baker.2214
Gracie Baker :
Does this make it easier for young / first home buyers?
2026-05-16 05:10:17
9
keeganbell02
keeganbell02 :
100% on the borrowing capacity! As a brisbane based brokerage, we are already seeing a drop in our clients borrowing capacity. How will this flow into the market, 🤷 guess time will tell. Likely we will start to see investors changing their structures or banks will change policies to benefit investor lending & protect their investor lending books
2026-05-16 03:55:48
6
arlochorim
Arlo :
you said people don't invest to make money by negative gearing but there are loopholes there. you can deduct interest applied to mortgage, you can get real estate agents to prompt tenants to request "repairs" to upgrade the house, you can use a renovation loan for the property deduct that interest too, perform a small amount of capital works which can be depreciated (separate to the other deductions), along with countless other things. if you're retired and living off super, you had none or low taxable income, so negatively gearing all of that would likely take you done to zero tax liability., if you sold an investment property after claiming the CGT discount, you apply the considerable negative gearing deductions (as they're a rental loss not a capital loss.), ending up with effectively the 50% capital gain as taxable, then reduced further by the negative gearing, meaning if you had a 200k gain, you could half it to 100k, then deduct potentially 30-40k off that from your negative gearing throughout the year leaving far less than 50% of the gain taxable. There's a good reason these rules changed the way they did
2026-05-16 15:04:09
8
corporatemumma
Christina :
Loved this explanation thank youuu
2026-05-25 06:51:42
1
sharky029
ShArkY :
what a banger explanation keep up the good work!
2026-05-26 08:20:58
3
completebeautyhaus
NAT FROM CBH :
You explained this so well
2026-05-18 03:23:41
0
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