u/Dr34dH34d

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!

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!

Hi All,

Me
Age: 25
Work: FIFO

Income: $183.5k p.a gross ex super as at 06/2026. Actively working to keep increasing this. Aiming for $200k ex super next year. Skills can easily pivot into city work if I so choose, white collar.

Expenses: Pay zero rent, live with parents. ~$150 per month in misc bills + few hundred in food. Occasional $500 weekend wants to spend when I’m home.

Goal is to retire by early 40s at the latest with a few Ms liquid. Seems rather achievable when diving into it but can I do it better?

Emergency fund of $15k in a 4.8% p.a HISA.

Currently have $40k invested into GGBL/GHHF at a 75/25 split.

I DCA $2k per week and will continue to do so. This is my baseline.

Also planning a $200k lump sum in early 2027 (return of money I lent), hopefully market dumps for this lol.

10-15 year horizon play thus far. Slightly longer if needs be.

I don’t really care about the vanilla concessional super contributions up to the cap (getting ~23k per year as is and my income will keep going up). Should I?

Don’t really see myself ever needing to purchase a house either. Good relationship with parents living together. The(ir) house we live in is honestly huge (1500m2 block in city suburbs, 2 kitchens, 2 living and dining rooms, 5 bedrooms, 3 bathrooms, 2 laundry rooms, 2 bbq areas, etc…), plus they have another one (800m2, 5 bedrooms, etc…) in the same neighbourhood. Zero mortgage on both. Multiple rooms rented out, which I manage. This real estate portfolio will eventually become mine, as they keep reminding me.

Low on the priority list rn but I’m sure I’ll find a suitable long term partner eventually and have kids (preferably before 30 but no rush). Probably won’t choose to get married.

Been to 29 countries thus far, I travel when I want to.

Should I just focus on growing my portfolio? How can I improve/fast track my retirement timeframe? Anything I’m potentially missing/should be focusing on?

Hi All,

Me
Age: 25
Work: FIFO

Income: $183.5k p.a gross ex super as at 06/2026. Actively working to keep increasing this. Aiming for $200k ex super next year. Skills can easily pivot into city work if I so choose, white collar.

Expenses: Pay zero rent, live with parents. ~$150 per month in misc bills + few hundred in food. Occasional $500 weekend wants to spend when I’m home.

Goal is to retire by early 40s at the latest with a few Ms liquid. Seems rather achievable when diving into it but can I do it better?

Emergency fund of $15k in a 4.8% p.a HISA.

Currently have $40k invested into GGBL/GHHF at a 75/25 split.

I DCA $2k per week and will continue to do so. This is my baseline.

Also planning a $200k lump sum in early 2027 (return of money I lent), hopefully market dumps for this lol.

10-15 year horizon play thus far. Slightly longer if needs be.

I don’t really care about the vanilla concessional super contributions up to the cap (getting ~23k per year as is and my income will keep going up). Should I?

Don’t really see myself ever needing to purchase a house either. Good relationship with parents living together. The(ir) house we live in is honestly huge (1500m2 block in city suburbs, 2 kitchens, 2 living and dining rooms, 5 bedrooms, 3 bathrooms, 2 laundry rooms, 2 bbq areas, etc…), plus they have another one (800m2, 5 bedrooms, etc…) in the same neighbourhood. Zero mortgage on both. Multiple rooms rented out, which I manage. This real estate portfolio will eventually become mine, as they keep reminding me.

Low on the priority list rn but I’m sure I’ll find a suitable long term partner eventually and have kids (preferably before 30 but no rush). Probably won’t choose to get married.

Been to 29 countries thus far, I travel when I want to.

Should I just focus on growing my portfolio? How can I improve/fast track my retirement timeframe? Anything I’m potentially missing/should be focusing on?

Hi All,

Me
Age: 25
Work: FIFO

Income: $183.5k p.a gross ex super as at 06/2026. Actively working to keep increasing this. Aiming for $200k ex super next year. Skills can easily pivot into city work if I so choose, white collar.

Expenses: Pay zero rent, live with parents. ~$150 per month in misc bills + few hundred in food. Occasional $500 weekend wants to spend when I’m home.

Goal is to retire by early 40s at the latest with a few Ms liquid. Seems rather achievable when diving into it but can I do it better?

Emergency fund of $15k in a 4.8% p.a HISA.

Currently have $40k invested into GGBL/GHHF at a 75/25 split.

I DCA $2k per week and will continue to do so. This is my baseline.

Also planning a $200k lump sum in early 2027 (return of money I lent), hopefully market dumps for this lol.

10-15 year horizon play thus far. Slightly longer if needs be.

I don’t really care about the vanilla concessional super contributions up to the cap (getting ~23k per year as is and my income will keep going up). Should I?

Don’t really see myself ever needing to purchase a house either. Good relationship with parents living together. The(ir) house we live in is honestly huge (1500m2 block in city suburbs, 2 kitchens, 2 living and dining rooms, 5 bedrooms, 3 bathrooms, 2 laundry rooms, 2 bbq areas, etc…), plus they have another one (800m2, 5 bedrooms, etc…) in the same neighbourhood. Zero mortgage on both. Multiple rooms rented out, which I manage. This real estate portfolio will eventually become mine, as they keep reminding me.

Low on the priority list rn but I’m sure I’ll find a suitable long term partner eventually and have kids (preferably before 30 but no rush). Probably won’t choose to get married.

Been to 29 countries thus far, I travel when I want to.

Should I just focus on growing my portfolio? How can I improve/fast track my retirement timeframe? Anything I’m potentially missing/should be focusing on?

Hi All,

Me
Age: 25
Work: FIFO (5 years in)
Income: $183.5k ex super as at 06/2026. Actively working to keep increasing this.
Expenses: Pay zero rent, live with parents. ~$150 per month in misc bills + few hundred in food. Occasional $500 weekend spend and travel abroad when I’m home.

Goal is to retire in my early 40s latest with a few Ms liquid. Seems rather achievable when diving into it but can I do it better?

Started investing from April into GGBL/GHHF at a 75/25 split.

I’ve DCA’d $2k per week since then and am continuing to do so… except for the past week. I have a bit of a conviction that the next couple of months will trend downward mainly due to the upcoming rollout of the US tariff regime. Been holding the accumulating cash for this suspected occasion. Anyway…

Also planning a $200k lump sum in early 2027 (return of money I lent), hopefully market dumps for this lol.

10-15 year horizon play thus far. Slightly longer if needs be.

I don’t really care about the vanilla concessional super contributions up to the cap (getting ~23k per year as is and my income will keep going up). Should I?

Don’t really see myself ever needing to purchase a house either. Good relationship with parents living together. The(ir) house we live in is honestly huge (1500m2 block in city suburbs, 2 kitchens, 2 living and dining rooms, 5 bedrooms, 3 bathrooms, 2 laundry rooms, 2 bbq areas, pool, sauna, etc…), plus they have another one (800m2, 5 bedrooms, etc…) in the same neighbourhood. Zero mortgage on both. Multiple rooms rented out, which I manage. This real estate portfolio will eventually become mine, as they keep reminding me.

Should I just focus on growing my portfolio? How can I improve/fast track my retirement timeframe? Anything I’m potentially missing/should be focusing on?

Hi All,

Me
Age: 25
Work: FIFO (5 years in)
Income: $183.5k ex super as at 06/2026. Actively working to keep increasing this.
Expenses: Pay zero rent, live with parents. ~$150 per month in misc bills + few hundred in food. Occasional $500 weekend spend and travel abroad when I’m home.

Goal is to retire in my early 40s latest with a few Ms liquid. Seems rather achievable when diving into it but can I do it better?

Started investing from April into GGBL/GHHF at a 75/25 split.

I’ve DCA’d $2k per week since then and am continuing to do so… except for the past week. I have a bit of a conviction that the next couple of months will trend downward mainly due to the upcoming rollout of the US tariff regime. Been holding the accumulating cash for this suspected occasion. Anyway…

Also planning a $200k lump sum in early 2027 (return of money I lent), hopefully market dumps for this lol.

10-15 year horizon play thus far. Slightly longer if needs be.

I don’t really care about the vanilla concessional super contributions up to the cap (getting ~23k per year as is and my income will keep going up). Should I?

Don’t really see myself ever needing to purchase a house either. Good relationship with parents living together. The(ir) house we live in is honestly huge (1500m2 block in city suburbs, 2 kitchens, 2 living rooms, 5 bedrooms, 2 bbq areas, etc…), plus they have another one (800m2, 5 bedrooms, etc…) in the same neighbourhood. Zero mortgage on both. Multiple rooms rented out, which I manage. This real estate portfolio will eventually become mine, as they keep reminding me.

Should I just focus on growing my portfolio? How can I improve/fast track my retirement timeframe? Anything I’m potentially missing/should be focusing on?

Hi All,

Me
Age: 25
Work: FIFO (5 years in)
Income: $183.5k ex super as at 06/2026. Actively working to keep increasing this.
Expenses: Pay zero rent, live with parents. ~$150 per month in misc bills + few hundred in food. Occasional $500 weekend spend and some travel abroad when I’m home.

Goal is to retire in my early 40s latest with a few Ms liquid. Seems rather achievable when diving into it but can I do it better?

Started investing from April into GGBL/GHHF at a 75/25 split.

I’ve DCA’d $2k per week since then and am continuing to do so… except for the past week. I have a bit of a conviction that the next couple of months will trend downward mainly due to the upcoming rollout of the US tariff regime. Been holding the accumulating cash for this suspected occasion. Anyway…

Also planning a $200k lump sum in early 2027 (return of money I lent), hopefully market dumps for this lol.

10-15 year horizon play thus far. Slightly longer if needs be.

I don’t really care about the vanilla concessional super contributions up to the cap (getting ~23k per year as is and my income will keep going up). Should I?

Don’t really see myself ever needing to purchase a house either. Good relationship with parents living together. The(ir) house we live in is honestly huge (1500m2 block in city suburbs, 2 kitchens, 2 living and dining rooms, 5 bedrooms, 3 bathrooms, 2 laundry rooms, 2 bbq areas, etc…), plus they have another one (800m2, 5 bedrooms, etc…) in the same neighbourhood. Zero mortgage on both. Multiple rooms rented out, which I manage. This real estate portfolio will eventually become mine, as they keep reminding me.

Should I just focus on growing my portfolio? How can I improve/fast track my retirement timeframe? Anything I’m potentially missing/should be focusing on?

Hi All,

Me
Age: 25
Work: FIFO (5 years in)
Income: $183.5k ex super as at 06/2026. Actively working to keep increasing this.
Expenses: Pay zero rent, live with parents. ~$150 per month in misc bills + few hundred in food. Occasional $500 weekend spend and travel abroad when I’m home.

Goal is to retire in my early 40s latest with a few Ms liquid. Seems rather achievable when diving into it but can I do it better?

Started investing from April into GGBL/GHHF at a 75/25 split.

I’ve DCA’d $2k per week since then and am continuing to do so… except for the past week. I have a bit of a conviction that the next couple of months will trend downward mainly due to the upcoming rollout of the US tariff regime. Been holding the accumulating cash for this suspected occasion. Anyway…

Also planning a $200k lump sum in early 2027 (return of money I lent), hopefully market dumps for this lol.

10-15 year horizon play thus far. Slightly longer if needs be.

I don’t really care about the vanilla concessional super contributions up to the cap (getting ~23k per year as is and my income will keep going up). Should I?

Don’t really see myself ever needing to purchase a house either. Good relationship with parents living together. The(ir) house we live in is honestly huge (1500m2 block in city suburbs, 2 kitchens, 2 living rooms, 5 bedrooms, 2 bbq areas, etc…), plus they have another one (800m2, 5 bedrooms, etc…) in the same neighbourhood. Zero mortgage on both. Multiple rooms rented out, which I manage. This real estate portfolio will eventually become mine, as they keep reminding me.

Should I just focus on growing my portfolio? How can I improve/fast track my retirement timeframe? Anything I’m potentially missing/should be focusing on?

Hi All,

Me
Age: 25
Work: FIFO
Income: $183.5k ex super as at 06/2026. Actively working to keep increasing this.
Expenses: Pay zero rent, live with parents. ~$150 per month in misc bills + few hundred in food. Occasional $500 weekend spend when I’m home.

Goal is to retire in my early 40s latest with a few Ms liquid. Seems rather achievable when diving into it but can I do it better?

Started investing from April into GGBL/GHHF at a 75/25 split.

I’ve DCA’d $2k per week since then and am continuing to do so… except for the past week. I have a bit of a conviction that the next couple of months will trend downward mainly due to the upcoming rollout of the US tariff regime. Been holding the accumulating cash for this suspected occasion. Anyway…

Also planning a $200k lump sum in early 2027 (return of money I lent), hopefully market dumps for this lol.

10-15 year horizon play thus far. Slightly longer if needs be.

I don’t really care about the vanilla concessional super contributions up to the cap (getting ~23k per year as is and my income will keep going up). Should I?

Don’t really see myself ever needing to purchase a house either. Good relationship with parents living together. The(ir) house we live at is honestly huge (1500m2 block in city suburbs, 2 kitchens, 2 living rooms, 5 bedrooms, 2 bbq areas, etc…), plus they have another one (800m2, 5 bedrooms, etc…) in the same neighbourhood. Zero mortgage on both. Multiple rooms rented out, which I manage. This real estate portfolio will eventually become mine.

Should I just focus on growing my portfolio? How can I improve/fast track my retirement timeframe? Anything I’m potentially missing/should be focusing on?