You know an inheritance is coming your way. Maybe it’s from your parents, a grandparent, or another loved one.

The question is: what will you do with it?

Will it be a one-time financial boost that comes and goes, or will you use it to build a legacy—something that provides wealth, security, and opportunity for your family for generations to come?

Here’s the good news: you don’t have to wait until the inheritance arrives to start planning. And with a smart strategy, you can turn your inheritance into a property for every member of your immediate family.

The Wealth Transfer Is Bigger Than You Think

Australia is in the middle of one of the largest intergenerational wealth transfers in history.

Over the next 20 years, $3.5 trillion in wealth will be passed from one generation to the next. Baby Boomers, who currently own 49% of national wealth, are leading this transfer.

For many Australians, inheritances will include:

  • Property: Residential or commercial real estate is often the centrepiece of a family’s wealth.
  • Superannuation: Lump sums left to beneficiaries as part of super death benefits.
  • Other Investments: Shares, savings, and other financial assets.

If you’ve ever dreamed of owning an investment property for each family member, this wealth transfer is your moment. But without a plan, it’s easy for inheritances to be mismanaged—or worse, lost altogether.

Why Investment Properties Are the Best Legacy

You’re not just inheriting wealth—you’re inheriting an opportunity. And there’s no better way to make the most of it than by investing in property.

Here’s why property is the ultimate legacy:

Tangible Value

Unlike cash or shares, property is something you can touch, feel, and pass down to the next generation.

Wealth Growth Over Time

Australia’s property market has grown by 382% over the last 30 years. That’s an average annual growth of 5.4%, making property one of the safest long-term investments.

A Consistent Income Stream

Rental income provides cash flow that:

  • Helps pay down mortgages.
  • Covers property maintenance.
  • Generates passive income for you and your family.

Tax Benefits

Negative gearing, depreciation, and concessional superannuation tax rates can make property ownership even more profitable.

If your goal is to leave a property for every family member, starting with an inheritance can create a ripple effect of wealth-building opportunities.

The Challenge: Turning One Inheritance Into Many Properties

Most Australians inherit wealth in their 50s or 60s—a time when mortgages are paid off and career income is stable. But here’s the risk: without a plan, inheritances can be squandered on short-term expenses or poorly managed investments.

If you want to multiply your inheritance and turn it into an investment property for each family member, you need a strategy.

How to Turn Your Inheritance Into a Property Legacy

Here’s how to make your inheritance work for you—and your family’s future.

Step 1: Start With One Investment Property

Begin by purchasing a single property using your inheritance. Choose a property that:

  • Has strong rental yield to cover mortgage repayments.
  • Is in a growth area to maximise long-term value.
  • Fits your budget, allowing room for future investments.

Step 2: Leverage Equity for the Next Property

Once the first property appreciates in value, use its equity to fund the deposit for the next one.

Example:

  • You buy a $750,000 investment property.
  • Over five years, it grows to $950,000 in value.
  • That $200,000 equity can now be used to secure your next property.

This step-by-step approach allows you to build your portfolio without needing additional cash.

Step 3: Consider an SMSF for Future Purchases

A Self-Managed Super Fund (SMSF) is a powerful tool for property investors who want to create a long-term legacy.

Here’s how it works:

  • Pool your super contributions with your partner or immediate family members.
  • Use the SMSF to purchase investment properties, such as residential or commercial real estate.
  • Benefit from concessional tax rates:
    • 15% tax on rental income.
    • 0% capital gains tax if the property is sold in retirement.

Real-Life Example:
A husband and wife with $400,000 in their SMSF used it to purchase an industrial property. The rental income and their super contributions are covering the loan, while the property grows in value. It’s a legacy that will benefit them—and their children—in retirement.

Step 4: Protect Your Legacy With an Estate Plan

Leaving an inheritance isn’t just about owning assets—it’s about ensuring they’re passed on efficiently.

  • Create a will that specifies how your properties will be distributed.
  • Use a family trust to protect your assets and simplify wealth transfer.
  • Work with financial advisors to ensure your properties are managed effectively.

Step 5: Educate Your Family About Wealth Management

Your inheritance isn’t just financial—it’s a chance to teach your children and loved ones about managing and growing wealth.

Here’s how to involve them:

  • Show them how investment properties create cash flow and long-term value.
  • Teach them about leveraging equity to grow a portfolio.
  • Work with advisors to ensure they understand the importance of financial planning.

This ensures your legacy doesn’t just survive—it thrives for generations.

Why Now Is the Time to Act

The wealth transfer trend is happening now—and the earlier you start planning, the more opportunities you create.

Why Act Now?

  • Property prices continue to rise, making early investments more valuable.
  • Inheritance planning takes time—starting now ensures your assets are protected and leveraged wisely.
  • Teaching your family financial literacy today will prepare them to carry your legacy forward.

Building a Legacy That Lasts

You’re about to receive an inheritance—a chance to create something extraordinary for your family.

By:
✅ Investing strategically in property.
✅ Leveraging tools like SMSFs and equity.
✅ Teaching your loved ones to manage and grow wealth.

You can turn a single inheritance into a property for every family member.

This isn’t just about wealth—it’s about creating freedom, security, and opportunity for generations to come.

Ready to make the most of your inheritance? Start planning today.