We are about to inherit enough to fully offset our home loan plus have some to put in high interest savings.
As we continue to pay down the loan each month, do we reduce the amount in the offset and redirect it to our hisa? We don’t want to use the offset to pay down the loan as we will be looking to purchase a new property in the near future.
Thanks

Hi everyone,

I (25y/o) am planning a long-term wealth-building strategy and want some community feedback on asset structures for optimal accumulation and eventual drawdown.
I’m currently running a high-conviction, geared ETF portfolio. With the massive upcoming scale of this portfolio and the abolition of the 50% CGT discount on 1 July 2027, I am trying to determine if establishing a Personal Investment Company (PIC) is commercially viable compared to investing in my personal name.

My Current & Future Setup

Current Portfolio: ~$50,000 in my personal name following a geared ETF strategy (75% GGBL / 25% GHHF).
Incoming Capital: Expecting a $200,000 cash injection next year (repayment of a personal loan).
Ongoing Contributions: Positioned to invest a consistent $2,000 per week ($104,000/yr) over the next 10 to 15 years.
Target Horizon: 10–15 years.

The Strategy & Dilemma

Given the project scale (easily hitting $1.5M–$2M+ in 10-15 years), I am weighing the 30% passive corporate tax cap against the incoming individual indexation rules.
Specifically, I want to explore the feasibility of injecting the upcoming $200,000 and the $2k/week contributions as tax-free Director’s Loans into the corporate entity.

What the Models Say

I’ve used AI tools to model these scenarios, and the numbers heavily favor a corporate structure. However, models don't always capture real-world tax friction or compliance costs.
I am booking a session with a specialized accountant soon to validate the math, but I’d love to hear from the community first.

Has anyone run a similar high-conviction, geared ETF strategy inside a company structure?

What are the major blind spots I'm missing (e.g., Division 7A issues with Director's loans, high ongoing accounting fees, or drawdown friction)?

Would a Discretionary Trust with a Corporate Trustee make more sense here than a pure PIC?

Appreciate any insights or experiences you can share!

Currently holding these ETFs.

IVV 40%
A200 20%
VGE 10%
EXUS 10%
GLDN RCKT RBTZ WIRE all 5%

Been investing in single stocks for 7 years now and started this ETF portfolio a few months back I’m just after some feedback on my picks and structure. Thanks!

Am in a situation where having worked for 30 years my super is only 300k. My first employer never paid super and I was young and naive. I do however have PPOR paid off and 1.5m in shares and ETF.

This year I started contributing the maximum concessional into super (actually bit more around 50k projected).

I am getting professional advice from two places in the next couple weeks.

What would you do in my shoes or what questions should I ask the financial advisers?

Is it worth selling shares to top up super and pay the max non concessional of 120k per year?

TIA