Q&A - The hidden cost of concentration: real scenarios, real trade-offs
Through a series of real investor scenarios, this blog examines the structural challenges that emerge when wealth is heavily concentrated in property, particularly as retirement approaches. Common issues explored include liquidity constraints, CGT timing, superannuation optimisation, and the risks of relying on rental income to fund long-term retirement needs.The discussion unpacks how strategies such as asset reallocation, well-timed disposals, and portfolio diversification can improve financial flexibility and resilience. Each scenario reveals a recurring theme: property-heavy portfolios…
The skinny
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