I recently took part in a webinar hosted by MGI South Qld about Education and Investment Bonds for Children. The session covered strategic approaches to funding education costs including education funding strategies using tax-effective structures, intergenerational wealth transfer methods and non-estate asset planning.

For high-net-worth families, intergenerational wealth transfer is not a single event, it is a multigenerational strategy. Whether you are a parent exploring lifetime gifting strategies or an heir navigating newly received assets, the decisions made today will shape your family’s financial legacy for decades.

For Australian investors looking to accelerate wealth creation, two of the most common approaches are debt recycling and investment property borrowing. Both can use leverage to build long-term wealth, but they differ in structure, tax treatment, cash flow impact, liquidity and risk. Understanding these differences is essential before deciding which option aligns with your financial goals.