Ep 351: Rentvesting vs Home Ownership: A Strategic Comparison

Investopoly

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In this episode, Campbell Wallace dives into one of the most talked-about debates in Australian property circles: rentvesting vs. home ownership. With housing affordability challenges in major cities, many investors are asking, is it smarter to rent where you want to live and invest elsewhere, or should you just buy your own home as early as possible?

Campbell unpacks the pros and cons of both strategies, from tax benefits and flexibility to CGT implications and long-term retirement outcomes. Using a detailed case study, he compares the 30-year financial outcomes of a rentvester and a homeowner, factoring in cash flow, capital growth, tax, and retirement planning.

The verdict? Home ownership edges ahead in the long run, thanks to the CGT exemption and the powerful cash flow advantage of being mortgage-free in retirement. But Campbell also highlights when rentvesting makes sense, particularly for those with short-term living plans or better investment opportunities elsewhere.

Whether you're starting out or rethinking your strategy, this episode will help you weigh your options and understand the trade-offs. Tune in for a clear, numbers-backed perspective on two very different paths to wealth

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