Australia's capital gains tax rules are changing from 1 July 2027, and the shift could matter for anyone holding crypto, shares, property or other investment assets. In this episode, Peter walks through what is changing, why the government is making the change, and how the move from the 50% CGT discount to indexation plus a 30% minimum tax floor may affect Australian crypto investors.

The episode covers the current CGT treatment for crypto, how long-term holders currently access the 50% discount, what the new indexation model is designed to do, and why the transition period could create messy gain-splitting calculations for assets held before and after 1 July 2027. It also looks at practical planning conversations to have with an accountant, including whether to realise gains before the cutoff, hold through the change, borrow against assets, or explore superannuation structures.

This content is general education only and is not financial, legal or tax advice. Speak with a qualified accountant or financial adviser before making decisions about selling, restructuring or borrowing against crypto assets.

Key Takeaways:
- The current 50% CGT discount for assets held longer than 12 months is being replaced by an indexation-based approach from 1 July 2027.
- The new system includes a 30% minimum tax floor on real capital gains, which may affect investors differently depending on their marginal tax rate.
- Crypto remains subject to standard CGT rules, including disposals triggered by selling, swapping, gifting, converting to fiat or spending crypto.
- Assets held before 1 July 2027 and sold after that date may require gains to be split between the old and new systems.
- The change may create planning decisions for long-term crypto holders who already have unrealised gains.
- Some investors may consider realising gains before the cutoff, while others may prefer to hold and accept the new treatment.
- Borrowing against assets and self-managed super fund structures are discussed as options to raise with a qualified adviser.
- The episode strongly emphasises getting personal tax advice before making any CGT-related decisions.

Links & References:
- Tax reform bill passes the Parliament: https://link.learncardano.io/HfEtiC
- Greens back CGT, negative gearing changes in return for extended NDIS inquiry, end to super loophole - ABC News: https://link.learncardano.io/SQig5Z
- Federal Budget 2026–27 | Insight | Baker McKenzie: https://link.learncardano.io/G6bprx
- Federal Budget Analysis 2026 | Capital Gains Tax - William Buck Australia: https://link.learncardano.io/m8W6Ox
- https://link.learncardano.io/LXjMqw
- https://link.learncardano.io/E5WvMt
- https://link.learncardano.io/CEFrM5

Website: https://link.learncardano.io/bQ68Rc
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Disclaimer: This content is for educational purposes only. Nothing constitutes financial advice.

DISCLAIMER: This content is for informational and educational purposes only and is not financial, investment, or legal advice. I am not affiliated with, nor compensated by, the project discussed—no tokens, payments, or incentives received. I do not hold a stake in the project, including private or future allocations. All views are my own, based on public information. Always do your own research and consult a licensed advisor before investing. Crypto investments carry high risk, and past performance is no guarantee of future results. I am not responsible for any decisions you make based on this content.

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