Starting out and planningYour first investment property, step by stepFirst-time property investor mistakes to avoidHow many investment properties do you need to retire?All 8 articles →
What and where to buyHow to choose where to buy an investment propertyHouse and land packages: what to check firstIs this a good investment property?All 10 articles →
Borrowing and financeHow much can you borrow?How much deposit do you need?Using equity to add the next propertyAll 4 articles →
Tax, gearing and structureThe 2026 property tax changesNegative gearing after 2026Own name, joint names or a trust?All 7 articles →
Most found in search
Strata or Torrens title: what you ownHow much can you borrow?From Google Search Console, October 2026.
Income in retirementHow much will you need to retire on?Living off rental income in retirementAsset rich, cash poorAll 7 articles →
Selling, tax and timingSelling in retirement: the capital gains taxWhen to sell, and when to holdTax on rental income in retirementAll 9 articles →
Super and SMSFProperty in super since 10 August 2026Property or super for retirement?Downsizing and the downsizer contributionAll 4 articles →
Pension, aged care and familyThe Age Pension and your investment propertyIs there inheritance tax in Australia?Leaving property to your childrenAll 7 articles →
Most found in search
The Home Equity Access SchemeThe Age Pension and your investment propertyTax on rental income in retirementGranny flats, family and the Age PensionFrom Google Search Console, October 2026.
The Money libraryWhy money, and why nowHow precious metals and digital currency are taughtThe Money library →
Lessons by email
New lessons are added here one at a time, as each is finished and checked.
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Where you stand today, and what each path ahead would mean.
Building PathwaysWhile you build: each step ahead, on your own numbers.
Property check
A second look at one property before you commit.
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A lesson with Nicholas on the topic you choose.
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Who you would be learning from, and how MRD works.
Contact
The office line and a note form.
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What is kept, and why.
Retirement library
Lessons for the years
you’ve worked for.
Wealthy on paper, and not sure what it will pay you each year? Plain lessons on drawing an income from what you hold, written by Nicholas Lockhart, most read by his AI avatar. Behind them is mentoring that keeps going after the decision is made.
Started investing, or about to? Go to the Building library →
Metals and digital assets? Go to the Money library →
Start here
- 1How much will you need to retire on?How to work out your own number, with a dated benchmark.
- 2What an income floor isThe income you can rely on, whatever the market does.
- 3A second look at a retirement plan that seems to be workingWhy a plan that works can still be leaving income on the table.
Most articles, read aloud
Most articles come in two versions: one to read, and one to listen to. The listening versions are read by an AI version of Nicholas’s voice, from the articles he wrote.
Topics
Income in retirementTurning what you hold into income.7 articles, read or listen →Super and SMSFProperty, super, and the rules since 2026.4 articles →Selling, tax and timingWhen to sell, and what it costs.9 articles →Pension, aged care and familyThe pension, care, and what passes on.7 articles →
All articles
How much will you need to retire on?How to work out your own number, with a dated benchmark.Read or listen →Is 55 too late to invest in property?Twelve years to the Age Pension, and what you can still do.Read or listen →The Age Pension and your investment propertyHow the assets and income tests see the property you hold.Read or listen →Downsizing and the downsizer contributionWhat selling the home releases, and what can go into super.Read or listen →Property or super for retirement?What each does well, and how they work together.Read or listen →Mentoring in retirement, and for the next generationYour goals modelled, and your family ready for what comes to them.Read or listen →Living off rental income in retirementRent as a pay cheque: what it takes.Read or listen →Selling in retirement: the capital gains taxWhy the year you sell can count as much as the price.Read or listen →Should you sell? When to sell, and when to holdThree situations, a tractor, and how to sell well.Read or listen →See it clearly, weigh it calmly, choose with confidenceA way to decide whether to sell, hold or change one thing.Read →Property in super since 10 August 2026What changed for SMSFs and residential property, and what did not.Read or listen →Tax on rental income in retirementWhat changes when the salary stops, and what does not.Read or listen →Paying down loans before you retireWhen debt that helped you build becomes a cost.Read or listen →Leaving property to your childrenThe conversations that make it easier on the family.Read or listen →Is there inheritance tax in Australia?What is taxed when someone dies, and what is not.Read →Aged care and the family homeWhat happens to the home when care is needed, under the rules from November 2025.Read or listen →The Home Equity Access SchemeDrawing on the equity in your home without selling it.Read or listen →Asset rich, cash poorWhy equity is not income.Read or listen →More income from property in retirementHolding, or switching to property that pays more.Read or listen →Holding or selling downWhat changes when a property is sold, and what does not.Read or listen →Your SMSF in pension phase, with property in itTax, cash and the minimum pension when the fund starts paying you.Read or listen →Granny flats, family and the Age PensionLiving close to family later in life, and what it does to tax and the pension.Read or listen →A second look at a retirement plan that seems to be workingWhy a plan that works can still be leaving income on the table.Read or listen →What an income floor isThe income you can rely on, whatever the market does.Read or listen →The 2026 property tax changes: the good and the badWhat is law, what is still a bill, and the dates.Read or listen →Negative gearing after 2026What changes from the 2027-28 income year, and who it touches.Read or listen →What happens to capital gains tax when you leave Australia?What changes on the day you stop being a resident.Read →
Get a feel for us first.A mentor with experience since 1997, from the first conversation to the keys and beyond.
Clarity first. Confidence follows. The MRD way.