Forwood Planning

"Instead of offsetting salary or other income, those losses could only be used to offset future rental profits from that property (or potentially other rental income, depending on the final rules)." https://forwd.pl/49HBhdm

"The existing contribution caps, tax rates within super and tax‑free status of many retirement income streams remain the same under this Budget." https://forwd.pl/49HBhdm

The 2026‑27 Federal Budget included several significant tax proposals targeting capital gains tax (CGT), negative gearing and discretionary (family) trusts.

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"The tax‑free status of pension‑phase super and the concessional CGT settings inside super are not being changed by these measures, which leaves superannuation as a relatively attractive environment for long‑term investing." https://forwd.pl/49HBhdm

The 2026‑27 Federal Budget included several significant tax proposals targeting capital gains tax (CGT), negative gearing and discretionary (family) trusts.

Read the full article: Federal Budget 2026‑27: CGT, Negative Gearing and Trusts
▸ https://forwd.pl/49HBhdm

The existing contribution caps, tax rates within super and tax‑free status of many retirement income streams remain the same under this Budget.

Read the full article: Federal Budget 2026‑27: CGT, Negative Gearing and Trusts
▸ https://forwd.pl/49HBhdm

"Negative gearing occurs when the costs of holding an investment (such as interest, repairs and other expenses on a rental property) are higher than the income it produces, and the resulting loss is used to reduce other taxable income like wages." https://forwd.pl/49HBhdm

Our latest blog

https://www.forwoodplanning.com.au/federal-budget-2026-27-cgt-negative-gearing-and-trusts-financial-advice-in-brisbane

Key Budget Insights: Financial Advice in Brisbane Financial adviser in Brisbane explains how the 2026‑27 Federal Budget proposals on CGT, negative gearing and discretionary trusts may affect investors and business owners. No immediate changes to super. Advice for clients in New Farm, Fortitude Valley and surrounding suburbs.

Super caps 2026–27

New financial year, new super caps.
From 1 July 2026, the transfer balance cap increases to $2.1m and contribution limits also rise.

Concessional contributions move to $32,500, while the non‑concessional cap lifts to $130,000, or $390,000 under the bring‑forward rules.

If you’re still building your super, these higher caps may open extra planning opportunities in the lead‑up to retirement.

Has your strategy kept up with the new limits?

Division 296 on earnings over $3m

Division 296 introduces an extra layer of tax on earnings linked to total super balances above $3m from 1 July 2026.

There is no new tax on the first $3m itself – the additional tax only applies to the calculated growth on the portion of your balance above that threshold.

For balances between $3m and $10m, this can mean up to 15% extra tax on those earnings, and up to 30% extra once your balance exceeds $10m.

The impact will vary from person to person, depending on contributions, withdrawals and investment performance.

Do you know how Division 296 might affect your long‑term retirement plans?

The impact of these biases is evident in the performance gap observed in investor behaviour.

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