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This week, Cate and Dave answer a thoughtful listener question from Scott, who is approaching retirement with five investment properties, positive cash flow and a big decision to make.
Should he borrow to buy a $500,000 Melbourne apartment, or focus on preserving wealth?
Dave explores retirement planning, portfolio purpose, debt and cash flow, while Cate examines whether Melbourne's affordable apartments and units could benefit from changing investor behaviour following the recent negative gearing reforms. T
hey also discuss investment-grade apartment selection, owner's corporation costs, and long-term capital growth prospects. This is a practical conversation for investors planning their next chapter.
The Property Trio is: David Johnston, Mortgage Broker - Managing Director of Property Planning Australia
https://propertyplanning.com.au/ Cate Bakos, Buyers Advocate - Managing Director of Cate Bakos Property
https://www.catebakos.com.au/ Mike Mortlock, Quantity Surveyor - Managing Director of MCG Quantity Surveyors
https://www.mcgqs.com.au/ 📩 Got a question you want answered in a future episode? Send it through
https://www.propertytrio.com.au/contact-us/ Shownotes:
https://www.propertytrio.com.au/2026/07/20/the-retirement-countdown/
