In the context of future retirement when one is presumed to be older, lacking in energy, higher prospensity to fall sick, think the best solution is to make more money such that any added tax is simply treated as a fixed cost of living in the desired country. Desired meaning, access to amenities like nursing home, hospital, walkability, safety... etc

imo, optimizing for future taxation during retirement is simply running too much on the margins. Is better to make more money such that taxation is not important, esp when one still have the earning capabilities. Taxation policies can change anytime and they probably will to curb tax "minimisers".

yeah many of the politicians own properties themselves, so in their interest to keep it up.

the difference now is in this current high interest rate environment which is likely to persists for at least 2-3 more years, will future capital gains be muted? anyone's guess

they have a few levers to control i can think of

1) artificially restrict supply of new land / developments

2) continue to prop up demand and sell the population dream and increase migrants flow.. eg india now has a almost exclusive migration agreement with australia... to drive up the rents and property price

3) maybe allow foreigner to buy subsale properties


for a middle class investor, is prolly not worth it to do this. they may not get approved for bank loans as bank's serviceability requirments get raised due to interest rate....

tat leaves the upper middle, maybe still can consider.. but increasingly, squaring the yearly losses + tax savings vs future prospect of cap gains... may not be enough to take a bigger risk esp. for risk adverse.... maybe better to pay more tax and have positive yields