Sell now or hold, where does the wealth land?
Sell now and invest the cash at your opportunity rate, or keep collecting rent and bank the capital growth. Both wealth paths plotted to the year they cross.
The property
$
$
$
%
If you hold
$
%
$
$
If you sell now
%
Shared
%
yrs
CGT uses today’s 50% discount. For post-1 July 2027 sales model the new CPI-indexed rules separately in the CGT calculator. We assume interest-only on the loan to isolate growth vs opportunity-cost dynamics.
Sell wins at year 15
↑ Hold never overtakes within window$209,200
Cash out now (net)
$620,800
Post-tax CF / yr
$1,465
CGT on sale now
$89,700
Net wealth at year 15
Δ −$209,200
Sell now · 7.0% opportunity rate
$1,712,807
$620,800 cash today compounded at 7.0% for 15 years.
Hold · 4.5% growth + rent
$1,503,607
Equity at year 15 after CGT + selling costs, plus 15 years of post-tax rental cash flow.
Wealth paths
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