Mavin Business Advisors

📈💰 The 50% discount ends, replaced by indexation + 30% minimum tax. Gains up to 30 June 2027 keep the old rules - no need to rush to sell.

📢 From 1 July 2027, capital gains tax changes:

🔹 50% discount replaced by cost base indexation
🔹 New 30% minimum tax on real gains

💡 Important: Gains up to 30 June 2027 are protected and keep the 50% discount whenever you sell.

👉 Don’t rush to sell just to beat the deadline — decisions should be based on your goals, not the calendar.

Read more: https://mavinadvisors.com.au/should-you-sell-before-1-july-2027/


Here also

👴💰 ASFA’s Retirement Standard shows singles need $36k–$56k a year, couples $52k–$78k, depending on lifestyle. Lump sums range from $110k (modest) to $730k (comfortable).

Wondering how much super you’ll need? According to ASFA’s Retirement Standard (March 2026):

💡 Annual Budgets

🔹 Single: $36,434 (modest) / $55,923 (comfortable)
🔹 Couple: $52,473 (modest) / $78,566 (comfortable)

💡 Super Balances Needed at 67

🔹 Single: $110,000 (modest) / $630,000 (comfortable)
🔹 Couple: $120,000 (modest) / $730,000 (comfortable)

👉 Use the MoneySmart retirement planner to estimate your own super balance and start building towards the lifestyle you want.

Read more: https://mavinadvisors.com.au/what-you-need-to-retire-the-latest-numbers/

🏡👨‍👩‍👧‍👦Family Trusts: Minimum 30% Tax Ahead
From 1 July 2028, discretionary trusts face a minimum 30% tax. Concessions may allow rollover into companies or fixed trusts — planning early is key.

📢 The Government will impose a minimum 30% tax on discretionary (family) trusts from 1 July 2028. While testamentary trusts set up under wills may be exempt, most family trusts will be affected.

💡 Concessions may allow asset rollovers into companies or fixed trusts, but the rules are complex.

👉 Start planning now — speak to us to understand how these changes could impact your trust and estate planning.

Read more: https://mavinadvisors.com.au/the-wheels-now-in-motion-for-family-trust-changes/

🔑🏡 Renting Out Your Home?

CGT absence concession + grandfathered negative gearing rules may still provide benefits if your property was acquired before 12 May 2026. But new CGT discount rules after 30 June 2027 mean higher tax on future gains.

🏡 Using the absence concession lets you treat your home as CGT‑free during absences (up to 6 years). If acquired before 12 May 2026, negative gearing losses can still be claimed.

⚠️ But from 30 June 2027, capital gains will face new CGT rules — less favorable discounts and higher tax rates.

👉 Your home is often your biggest asset. Speak to us to understand how these changes could affect you.

Read more: https://mavinadvisors.com.au/renting-out-your-home-and-the-cgt-and-negative-gearing-changes/

🔥🌊 CGT Relief Update

If your property or asset is lost or destroyed due to events like fire, flood, or theft, you may qualify for CGT rollover relief. This can defer capital gains when compensation or replacement assets are involved.

⚠️ The rules are complex — partial compensation or pre‑CGT assets can change the outcome.

👉 Speak to us early to ensure you take the right steps and secure this important relief.

Learn more: https://mavinadvisors.com.au/cgt-relief-if-an-asset-is-lost-or-accidentally-destroyed/

⛽ ATO Fuel Response Payment Plan

Struggling with tax debts due to rising fuel prices? Eligible ABN holders can apply for a 3‑year payment plan with no upfront payment.

✅ 36 monthly instalments
✅ Possible remission of interest charges
✅ Available until 30 June 2026

👉 Contact us to check eligibility and get help with your application.

Learn more: https://mavinadvisors.com.au/fuel-response-payment-plan/

📢 Payday Super is Coming

From 1 July 2026, employers must pay super each payday, not quarterly. Contributions must reach funds within 7 business days.

✅ Update payroll systems
✅ Review cash flow
✅ Confirm employee super details

👉 Start preparing now to avoid penalties and ensure a smooth transition

Learn more: https://mavinadvisors.com.au/payday-super-checklist-for-employers-steps-to-stay-compliant/

📢 CSHC Update – March 2026

From 20 March, deeming rates rose to 1.25% (lower) and 3.25% (upper). This could push some retirees over the income threshold and affect eligibility for the Commonwealth Seniors Health Card.

👉 If you’re close to the limit, review your income and seek advice to stay prepared.

Learn more: https://mavinadvisors.com.au/commonwealth-seniors-health-card-whats-changing-from-20-march-2026/