August 2026 issue

Renting out your home and the CGT and negative gearing changes. Plus a note from Troy and four more articles. ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

Renting out your home and the CGT and negative gearing changes

One of the many areas where the big changes to negative gearing and Capital Gains Tax may have an effect is where you use the "absence concession" to allow you to "continue to treat" your home as your CGT-free main residence during an extended absence from the home.

Hi Guys,

Welcome to the August Blue Chip newsletter.

So much has happened this year, especially since the latest budget changes that were released back in May.

The most notable changes are the removal of negative gearing for existing properties, the removal of the 50% capital gains tax discount, and the 11th-hour final blow: the abolition of lending through super.

Lending through super has been a cornerstone strategy for many of our clients over the past decade, delivering outstanding results. Seeing the strategy abolished was not just a shock but also a real loss for investors who were unable to take advantage of such a unique wealth-creation tool.

Also of interest is, of course, the recent inflation figures, which were lower than expected but still above the 2-3% RBA target range.

I have said this in the past: Government spending is out of control and needs to be reined in; however, in reality, I just know that this will not happen anytime soon.

If you follow us on social media, you would have recently seen our story/post about how Labour has spent $4.2m of taxpayer money on a climate change "pre-conference" of all things in Fiji! All while telling consumers to tighten their belts! If that's not a slap in the face, then I really don't know what is.

The only way to get the economy back on track and make Australia great again (before it's too late) is a Government that is commercial and clever enough to generate real revenue from our existing assets and resources, responsible spending, and an immigration policy that doesn't jeopardise existing housing supply and infrastructure. Increasing immigration just to pump up GDP numbers does the country no favours and does nothing but create a false sense of security that masks underlying productivity issues.

Of course, many more changes could be made to get Australia back on track, like amendments to the NDIS black hole, but without the right people in place, it's just not going to happen.

I don't know why I'm so passionate about how our country is run. Still, one thing is for sure: no matter what governments change, sound advice, disciplined investing and taking control of your own financial future will always matter.

Until next time, happy reading! 😊

Troy Rabaud, Founder | CEO

Four more from the August issue

Client newsletter, tax and super, August 2026. Tap any article to read the full issue.

The wheels now in motion for family trust changes

With the Government set to impose a minimum 30% tax on discretionary or "family" trusts from 1 July 2028, it's probably time to start thinking about what you should do about any existing family trust you have.

What you need to retire: the latest numbers

Have you ever wondered how much superannuation you will have and need in retirement? The answer is it depends on a range of factors, such as your lifestyle goals, whether you have paid off your mortgage, your financial situation.

Salary sacrificing to super

Are you an employee thinking of putting some of your pre-tax income into superannuation to boost your retirement savings? This is known as salary sacrifice, and the good news is that it can benefit you and your employer.

Should you sell before 1 July 2027?

From 1 July 2027, the way capital gains are taxed for individuals, trusts and partnerships is set to change. Many people assume they must sell before the deadline to keep the discount, but this is not the case.

About this newsletter

Welcome to the Blue Chip Admin Services client information newsletter, your monthly tax and super update keeping you on top of the issues, news and changes you need to know. Should you require further information on any of the topics covered, please contact us via the details below.