What growth does your property need to beat the ASX?

Assumes a 20% deposit and rent at ~3.5% gross yield (any shortfall between mortgage and rent is the monthly amount invested in shares). Property price only affects the dollar figures below, not the % rate itself — the breakeven growth rate doesn't depend on price at this fixed deposit/rent/mortgage-rate combination. Doesn't include stamp duty, buying/selling costs, or property depreciation. Indicative only. Not financial advice. Enacted law (Acts No. 49 and 50 of 2026, including the Treasury Laws Amendment (Tax Reform No. 1) Act 2026): for individuals and trusts the 50% CGT discount is kept on the part of a gain that accrued before 1 July 2027, whenever the asset is sold, and gains accruing from 1 July 2027 use CPI cost-base indexation, with a 30% minimum tax for resident individuals that does not apply in a year they receive the Age Pension or certain other income-support payments. New residential dwellings and affordable housing keep a discount (50%, or up to 60% for affordable housing) instead of indexation and the minimum tax, with a choice of indexation where the Act allows, and a pre-CGT asset is treated as sold and reacquired on 1 July 2027 so that only the gain from that date is taxed; the Act's other conditions apply. This tool applies the 30% minimum tax in every case; by law it applies to resident individuals and not in a year the person receives the Age Pension or listed income-support payments (s 119-15), so figures for Age Pension recipients are overstated.