{"id":151019,"date":"2024-11-28T10:25:04","date_gmt":"2024-11-27T23:25:04","guid":{"rendered":"https:\/\/timesnewsgroup.com.au\/surfcoasttimes\/?p=151019"},"modified":"2024-11-28T10:25:04","modified_gmt":"2024-11-27T23:25:04","slug":"what-is-capital-gains-tax-and-how-might-it-affect-you","status":"publish","type":"post","link":"https:\/\/timesnewsgroup.com.au\/surfcoasttimes\/real-estate\/what-is-capital-gains-tax-and-how-might-it-affect-you\/","title":{"rendered":"What is capital gains tax and how might it affect you?"},"content":{"rendered":"

WITH DANIEL WALSH AND LEIGH DELEDIO FROM UFINANCIAL<\/strong><\/p>\n

 <\/p>\n

Capital gains tax (CGT) is a tax you pay on the profit made from selling or exchanging assets such as property, shares or even certain types of cryptocurrency.<\/strong><\/p>\n

Though it\u2019s called capital gains tax, it\u2019s essentially considered part of your income tax, and the rate applied is the same as your individual income tax rate.<\/p>\n

In this guide, we\u2019ll break down how CGT works, what assets attract it, and how to calculate the amount you may owe.<\/p>\n

What assets are subject to capital gains tax?<\/strong><\/p>\n

In general, CGT applies to any asset you sell for a profit. Some of the common assets that attract CGT include:<\/p>\n

\u25cf Investment property: Capital gains tax is levied on any profit made from selling an investment property, but it does not apply to the sale of your primary residence (assuming the property has not been rented out)<\/p>\n

\u25cf Shares and investments: When you sell shares or units in managed funds, any profit will be subject to CGT. This also applies to cryptocurrencies, though there are specific rules regarding crypto gains that are important to consider, and<\/p>\n

\u25cf Businesses or other investments: Any asset related to your business or other forms of investment that appreciates in value will be subject to CGT on sale.<\/p>\n

What assets are exempt from capital gains tax?<\/strong><\/p>\n

Not all assets are subject to CGT. Some common exemptions include:<\/p>\n

\u25cf Motor vehicles: Generally cars and motorcycles are exempt because they are considered depreciating assets. This means they usually lose value over time, so no tax is levied on any sale profit (or capital loss).<\/p>\n

\u25cf Granny flats: As of July 2021, granny flat arrangements, where a person is granted the right to occupy a property for life, were exempt from CGT.<\/p>\n

How to calculate capital gains tax<\/strong><\/p>\n

To calculate CGT, you subtract the cost of acquiring the asset (including associated costs such as stamp duty or legal fees) from the sale price. The resulting amount is your capital gain. For example, if you bought shares for $500 in 2020 and sold them for $1,000 in 2022, the capital gain would be $500.<\/p>\n

If you sell an asset for less than you purchased it for, you\u2019ll incur a capital loss, but you won\u2019t be taxed. However, these losses can sometimes offset other capital gains you\u2019ve made.<\/p>\n

The CGT discount: how it works<\/strong><\/p>\n

If you hold an asset for at least 12 months before selling it, you may be eligible for a 50 per cent CGT discount. This discount is designed to encourage long-term investment and economic stability. Essentially, if you hold an asset for over a year, only half of the capital gain is taxable.<\/p>\n

For example, if you bought a property for $500,000 and sold it for $1,000,000 after two years, your capital gain would be $500,000. With the CGT discount, you would only pay tax on $250,000.<\/p>\n

If you would like to speak to an experienced UFinancial broker about how CGT may affect you, head to ufinancial.com.au<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

WITH DANIEL WALSH AND LEIGH DELEDIO FROM UFINANCIAL   Capital gains tax (CGT) is a tax you pay on the profit made from selling or exchanging assets such as property, shares or even certain types of cryptocurrency. Though it\u2019s called capital gains tax, it\u2019s essentially considered part of your income tax, and the rate applied […]<\/p>\n

Read More…<\/a><\/p>\n","protected":false},"author":149,"featured_media":151026,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[29],"tags":[],"post_folder":[],"class_list":["post-151019","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate"],"acf":[],"yoast_head":"\nWhat is capital gains tax and how might it affect you? - Surf Coast Times<\/title>\n<meta name=\"description\" content=\"Learn how capital gains tax works in Australia, including assets, exemptions, and the 50% discount.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/timesnewsgroup.com.au\/surfcoasttimes\/real-estate\/what-is-capital-gains-tax-and-how-might-it-affect-you\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is capital gains tax and how might it affect you? 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