From 1 July 2027 the 50% CGT discount is to be replaced by an inflation-based discount with a 30% minimum tax, and negative gearing is to be limited to new builds — a planning point for property investors, and a reminder to protect the wealth held in property against a forced early sale.

Division 296 — the $3 million super tax — is now law and applies from 1 July 2026. What it does, why unrealised gains are no longer taxed, and the life, TPD and income protection cover inside super a restructure shouldn't strand.

Most Australian retirees stay in the family home for practical and emotional reasons, reinforced by tax and pension settings that reward staying put. This spoke looks at what staying costs the individual household — the home as its largest, least-liquid asset and eventual aged-care funder — and the real risk of a sale forced early rather than chosen.