The Intergenerational Wealth Shift is Real - What Does it Mean for Property?

This wave of inherited wealth marks a shift in our economic landscape, giving rise to what some are calling an “inheritocracy” — where access to wealth is increasingly determined by family, not effort.

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So, what does this mean for property?

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It reinforces one thing: property markets are likely to remain resilient and continue growing — not just because of demand, but because of the massive capital base being transferred. Many of these inherited assets — including family homes and investment properties — are unencumbered, giving the next generation the ability to leverage, invest, or expand portfolios without starting from scratch.

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The article rightly points to rising inequality, but it also points to opportunity — for those paying attention.

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We’ve seen major shifts in how clients are thinking about wealth and property strategy lately:

• More strategic decision-making around property — with a focus on growth corridors, yield, and tax outcomes
• A move away from passive ownership to a high-touch, investment-led approach
• Deep conversations about how the family home can be used to build long-term wealth, not just provide shelter
• A growing realisation that lifestyle assets like holiday homes often underperform compared to commercial or high-yield alternatives
• A real crunch in cash flow — clients working multiple jobs, launching side businesses, and looking to property as a smarter way to compound wealth

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So the question isn’t just “Will the market keep growing?”

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It’s: Are you positioning yourself now, or waiting on the sidelines for intervention or change?

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If you're not actively planning, you could be on the wrong side of this wealth transfer.

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https://www.afr.com/policy/economy/why-our-new-inheritocracy-is-bad-for-the-country-20250527-p5m2k5

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