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"Clash of the Cashflow - Property, Super & Diversification"
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Episode 6 – “Balancing Instinct and Analysis: Property, Super & Diversification”
In this lively and candid conversation, Pramu Rodrigo, CEO of TFS, and Sonali Rodrigo, COO, take listeners inside their own investing debates and decision making. As a seasoned property investor, Pramu stresses that every deal must stack up financially and have strong future potential before he acts. Sonali, with her wealth of financial planning expertise, reinforces the importance of rigorous analysis, risk management and proper paperwork. Together they explore how to avoid “analysis paralysis” while still performing the necessary due diligence, and they debunk common myths such as “property always goes up” or “shares are always smarter.”
The episode also tackles a contentious topic: should couples with modest super balances leverage a self‑managed super fund to buy property? Sonali explains why a minimum $200K combined balance is generally needed to justify SMSF setup costs and to sustain an investment loan; she also highlights why risk appetite, cash flow and diversification matter more than simplistic formulas. The pair then discuss building a balanced portfolio across property, shares and businesses, how to align different risk profiles between partners, and what it really takes to retire comfortably.
Rounding out the discussion, Sonali shares how she juggles executive leadership with family life, and both hosts offer guidance on combining different investing mindsets. It’s a frank, unscripted look at making big decisions together – with plenty of practical wisdom for investors who want to seize opportunities without skipping the numbers.
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https://www.tomorrowfs.com.au/
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