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type="application/ld+json">{"@context":"http://schema.org","@type":"NewsArticle","author":{"@type":"Person","name":"Noel Whittaker"},"dateModified":"2024-10-01T01:43:04+00:00","datePublished":"2024-10-01T01:43:04+00:00","description":"Investors beware: tax changes are in the air, and they could come when you least expect them.","headline":"Why investors should prepare for major tax 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class="_3Jb6E"> <span class="_2xetH"><time class="_2_zR-" data-testid="datetime" dateTime="2024-10-01T09:43:04+08:00">October 1, 2024 — 9.43am</time></span></div></div></div></div></header><section class="_3OhA4 Lspjx"><div class="_2h56q _2bGxr"><div class="_3J1te"><div class="_3kTtc"> <span class="_2xetH"><time class="_2_zR-" data-testid="datetime" dateTime="2024-10-01T09:43:04+08:00">October 1, 2024 — 9.43am</time></span></div></div></div><div class="_2CSKo noPrint"><div class="_1KqZ_"><div class="hLTvJ"><button aria-checked="false" aria-describedby="saveTooltip" aria-label="Save article to read later" class="_31ZN0" role="switch" type="button"><svg aria-hidden="true" class="QMY9O _11R7m" focusable="false" height="1em" width="1em"><use xlink:href="#icon-save"></use></svg><span class="_3-fU6">Save</span></button><div aria-hidden="true" class="_1lwFz uXbxr" id="saveTooltip" role="tooltip"><button>Log in</button>, <a data-testid="login-register" href="https://watoday.myfairfax.com.au/channel/cWvEleexy48f-PI5-jlBnw/members/signups/new?callback_uri=">register</a> or <a href="https://subscribe.watoday.com.au/?promote_channel=HI_HL_GNL">subscribe</a> to save articles for later.</div><div><div aria-hidden="true" class="_1lwFz WUf_a _1pHo1" id="onboardingTooltip" role="tooltip"><h3>Save articles for later</h3><p>Add articles to your saved list and come back to them any time.</p><button class="_2YSi8 _17BTN _3_hLE" data-ffx-event-action="cta click" data-ffx-event-category="save onboarding" data-ffx-event-label="got it - part 1" data-ffx-hittype="event">Got it</button></div></div></div><div class="_2Cn91"><div class="_2KkCz"><button class="_30X7v _2-NUy" data-ffx-event-action="cta click" data-ffx-event-category="component" data-ffx-event-label="font size normal" data-ffx-event-value="0" data-ffx-hittype="event">Normal text size</button><button class="_3Rq_0" data-ffx-event-action="cta click" data-ffx-event-category="component" data-ffx-event-label="font size large" data-ffx-event-value="0" data-ffx-hittype="event">Larger text size</button><button class="_3VkdU" data-ffx-event-action="cta click" data-ffx-event-category="component" data-ffx-event-label="font size extra large" data-ffx-event-value="0" data-ffx-hittype="event">Very large text size</button></div></div></div></div></section><section class="_1Rw6X" data-testid="article-body-top"><aside class="_2GZaf"><div class="_1q-_I _3sCHz"><div class="container"><div class="adWrapper _2UMq- noPrint" data-testid="ad"><small class="_3ToRr">Advertisement</small><div class="" id="adspot-160x600_300x250_300x600-pos2-desktop"></div></div></div></div></aside><div class="_1ysFk" data-testid="article-body"><div><div class="_5JLqO"><div class="_1Ld7U" id="beyondwords-player"></div><div class="_3Fhwk" data-testid="showPlayerOverlay"></div></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>Taxes are back in the spotlight, and the recent buzz around potential policy changes is creating ripples of concern among investors, business owners and everyday Australians.</p><p>We’ve all seen headlines hinting at changes to negative gearing and adjustments to capital gains tax rules, but these are just the tip of the iceberg. While the prime minister may be quick to reassure us there’s “nothing to see here”, we know governments have a habit of making changes when we least expect them.</p><figure class="_3ujPS _3x3-4 RMwbY _2XZQH" data-testid="image"><div aria-label="enlarge image" class="_1lwW_" role="button" tabindex="0"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.504%2C$multiply_0.9788%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/2a139a7e8b70b84e09047e87e6e96aae73fe1f6a, https://static.ffx.io/images/$zoom_0.504%2C$multiply_1.9577%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/2a139a7e8b70b84e09047e87e6e96aae73fe1f6a 2x" height="494" width="740"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.504%2C$multiply_1.0159%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/2a139a7e8b70b84e09047e87e6e96aae73fe1f6a, https://static.ffx.io/images/$zoom_0.504%2C$multiply_2.0317%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/2a139a7e8b70b84e09047e87e6e96aae73fe1f6a 2x" height="512" width="768"/><img alt="As seen in other countries, tax changes can be major and come into effect quickly, catching unprepared investors unawares." src="https://static.ffx.io/images/$zoom_0.504%2C$multiply_0.7725%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/2a139a7e8b70b84e09047e87e6e96aae73fe1f6a" height="390" width="584" srcSet="https://static.ffx.io/images/$zoom_0.504%2C$multiply_0.7725%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/2a139a7e8b70b84e09047e87e6e96aae73fe1f6a, https://static.ffx.io/images/$zoom_0.504%2C$multiply_1.545%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/2a139a7e8b70b84e09047e87e6e96aae73fe1f6a 2x"/></picture></div><figcaption class="_3CZmy"><p><span class="_2Li3P">As seen in other countries, tax changes can be major and come into effect quickly, catching unprepared investors unawares.</span><cite class="ojLwA"><span class="_30ROC">Credit: </span>Simon Letch</cite></p></figcaption></figure><p>Last month, the Australian Taxation Office gave a clear message: they’re taking compliance seriously. They sent letters to major insurance brokers requesting details of customers with high-value assets – think fine art, marine vessels, thoroughbred horses, luxury vehicles, motorhomes and even aircraft. If you own any of these, the ATO is keen to know.</p><p>And it’s not just happening here – Canada’s recent tax changes offer some clues about directions other countries may take.</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>From June 25, Canada increased its effective capital gains tax rate by reducing the discount from 50 per cent to 33.3 per cent for individuals with capital gains over $250,000 in a single financial year. While gains under this threshold remain taxed at the current rate, once gains exceed that amount, the new rules kick in: no exceptions, no “grandfathering”.</p><p>What stands out is how quickly these changes took effect. Canadians had just 30 days to offload assets before the new rules were applied to everything, regardless of when they were purchased. An accountant in Toronto told me those 30 days were the busiest of his career, as clients frantically moved assets.</p><blockquote class="Zfkcv" data-testid="pull-quote"><p>The broader implications are clear: your assets are under greater scrutiny than ever before.</p></blockquote><p>There’s a lesson here for Australian investors: shares can often be transferred with little hassle, but property transactions have unpredictable timelines and incur stamp duty – something to keep in mind when planning your portfolio.</p><p>Tax is also a contentious issue in the lead-up to the US elections. On one side, Donald Trump promises a corporate utopia (or at least lower taxes). On the other, the Democrats are floating a proposal to increase the corporate tax rate from 21 per cent to 28 per cent.</p></div></div></div></section><div class="_1FVfK"><div class="container"><div class="adWrapper _2UMq- noPrint" data-testid="ad"><small class="_3ToRr">Advertisement</small><div class="" id="adspot-728x90_970x250-pos3-desktop"></div></div></div></div><section class="vPaWe" data-testid="article-body-bottom"><div class="_1ysFk"><div><div class="_1665V _2q-Vk" data-testid="body-content"><p>Additionally, they plan to hike the top rate on long-term capital gains to 28 per cent for those earning more than $1 million annually. Wealthy individuals could also see their net investment income tax rate rise from 3.8 per cent to 5 per cent.</p><div class="ymInT _3uJpn _3by58 noPrint"><span class="_2wzgv D5idv _3lVFK"><span class="_29Qt8"></span><span class="_3qqDc">Loading</span></span></div><p>The UK is taking a different approach: looking to close tax loopholes and ensure the wealthy pay a fair share. They are talking about potential capital gains tax increases, and targeting private school fees by proposing a 20 per cent VAT.</p><p>This move is shaking up many families that are already stretching their budgets to provide their kids with private education. For many, this feels like an extra burden during already challenging times.</p><p>Expect more tough measures to be announced in the new UK government’s first budget on October 30. At this month’s Labour Party conference, the unions made no secret of their claims for huge increases as well as wealth taxes on the richest 1 per cent.</p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><p>Britain’s five-year political terms give Labour Prime Minister Keir Starmer the time to make significant changes. A sweeping majority of 200 seats almost guarantees a win in the next election, allowing Labour up to 10 years to implement its plans. History suggests tough policies often come early in a government’s term to avoid backlash closer to the next election.</p><p>The broader implications are clear: your assets are under greater scrutiny than ever before, and as we see governments globally wrestling with tax policies, Australia will not be an exception.</p><p>In a world where tax policies can change overnight, proactive planning is your best defence. Whether you’re an investor, a business owner or simply looking to manage your wealth effectively, now is the time to seek professional advice.</p><p>Review your investment strategies regularly, stay informed and be prepared to pivot when needed. After all, in the rapidly evolving tax landscape, the ability to anticipate and adapt is the key to thriving, not just surviving.</p><p><b>Noel Whittaker is the author of</b><b><i> Retirement Made Simple</i></b><b> and other books on personal finance. </b><a href="mailto:noel@noelwhittaker.com.au"><b>noel@noelwhittaker.com.au</b></a><b></b></p></div><div class="_1lC_G"></div><div class="_1665V _2q-Vk" data-testid="body-content"><ul><li><strong>Advice given in this article is general in nature and is not intended to influence readers’ decisions about investing or financial products. 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beware: tax changes are in the air, and they could come when you least expect them.\",\"allowComments\":false,\"body\":\"<p>Taxes are back in the spotlight, and the recent buzz around potential policy changes is creating ripples of concern among investors, business owners and everyday Australians.</p><p>We\\u2019ve all seen headlines hinting at changes to negative gearing and adjustments to capital gains tax rules, but these are just the tip of the iceberg. While the prime minister may be quick to reassure us there\\u2019s \\u201Cnothing to see here\\u201D, we know governments have a habit of making changes when we least expect them.</p><x-placeholder id=\\\"fbd41806437702b98bac79dcbdcd84346917e049\\\"></x-placeholder><p>Last month, the Australian Taxation Office gave a clear message: they\\u2019re taking compliance seriously. They sent letters to major insurance brokers requesting details of customers with high-value assets \\u2013 think fine art, marine vessels, thoroughbred horses, luxury vehicles, motorhomes and even aircraft. If you own any of these, the ATO is keen to know.</p><p>And it\\u2019s not just happening here \\u2013 Canada\\u2019s recent tax changes offer some clues about directions other countries may take.</p><p>From June 25, Canada increased its effective capital gains tax rate by reducing the discount from 50 per cent to 33.3 per cent for individuals with capital gains over $250,000 in a single financial year. While gains under this threshold remain taxed at the current rate, once gains exceed that amount, the new rules kick in: no exceptions, no \\u201Cgrandfathering\\u201D.</p><p>What stands out is how quickly these changes took effect. Canadians had just 30 days to offload assets before the new rules were applied to everything, regardless of when they were purchased. An accountant in Toronto told me those 30 days were the busiest of his career, as clients frantically moved assets.</p><x-placeholder id=\\\"e3eaf0a55cbc41d2063a10686eae0e3a223e1797\\\"></x-placeholder><p>There\\u2019s a lesson here for Australian investors: shares can often be transferred with little hassle, but property transactions have unpredictable timelines and incur stamp duty \\u2013 something to keep in mind when planning your portfolio.</p><p>Tax is also a contentious issue in the lead-up to the US elections. On one side, Donald Trump promises a corporate utopia (or at least lower taxes). On the other, the Democrats are floating a proposal to increase the corporate tax rate from 21 per cent to 28 per cent.</p><p>Additionally, they plan to hike the top rate on long-term capital gains to 28 per cent for those earning more than $1 million annually. Wealthy individuals could also see their net investment income tax rate rise from 3.8 per cent to 5 per cent.</p><x-placeholder id=\\\"c2d3ed692c31afbbd5fdd6761d85e82832ba1889\\\"></x-placeholder><p>The UK is taking a different approach: looking to close tax loopholes and ensure the wealthy pay a fair share. They are talking about potential capital gains tax increases, and targeting private school fees by proposing a 20 per cent VAT.</p><p>This move is shaking up many families that are already stretching their budgets to provide their kids with private education. For many, this feels like an extra burden during already challenging times.</p><p>Expect more tough measures to be announced in the new UK government\\u2019s first budget on October 30. At this month\\u2019s Labour Party conference, the unions made no secret of their claims for huge increases as well as wealth taxes on the richest 1 per cent.</p><p>Britain\\u2019s five-year political terms give Labour Prime Minister Keir Starmer the time to make significant changes. A sweeping majority of 200 seats almost guarantees a win in the next election, allowing Labour up to 10 years to implement its plans. History suggests tough policies often come early in a government\\u2019s term to avoid backlash closer to the next election.</p><p>The broader implications are clear: your assets are under greater scrutiny than ever before, and as we see governments globally wrestling with tax policies, Australia will not be an exception.</p><p>In a world where tax policies can change overnight, proactive planning is your best defence. Whether you\\u2019re an investor, a business owner or simply looking to manage your wealth effectively, now is the time to seek professional advice.</p><p>Review your investment strategies regularly, stay informed and be prepared to pivot when needed. After all, in the rapidly evolving tax landscape, the ability to anticipate and adapt is the key to thriving, not just surviving.</p><p><b>Noel Whittaker is the author of</b><b><i> Retirement Made Simple</i></b><b> and other books on personal finance. </b><x-placeholder id=\\\"aca1273cf74c7373592bd5468b5630b49f761adc\\\"></x-placeholder><b></b></p><ul><li><strong>Advice given in this article is general in nature and is not intended to influence readers\\u2019 decisions about investing or financial products. They should always seek their own professional advice that takes into account their own personal circumstances before making any financial decisions.</strong></li></ul><p><b><i>Expert tips on how to save, invest and make the most of your money delivered to your inbox every Sunday. <x-placeholder id=\\\"53454c7706cf3bc0f4fcb8662aaa875dc16b886c\\\"></x-placeholder>.</i></b></p>\",\"bodyPlaceholders\":{\"53454c7706cf3bc0f4fcb8662aaa875dc16b886c\":{\"data\":{\"id\":\"p5d9o2\",\"newTab\":false,\"noFollow\":false,\"text\":\"Sign up for our Real Money newsletter\"},\"type\":\"linkArticle\"},\"aca1273cf74c7373592bd5468b5630b49f761adc\":{\"data\":{\"newTab\":false,\"noFollow\":false,\"text\":\"<b>noel@noelwhittaker.com.au</b>\",\"url\":\"mailto:noel@noelwhittaker.com.au\"},\"type\":\"linkExternal\"},\"c2d3ed692c31afbbd5fdd6761d85e82832ba1889\":{\"data\":{\"heading\":\"Editor's 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