Three ways to help your kids without a property inheritance

May 10, 2026 — 5:01am

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A pretty grim financial bombshell was dropped in our laps last week.

While younger Australians have increasingly struggled to get into the property market over the past two decades, older Australians have radically increased their ownership of investment properties, according to the Australian Tax Office.

Though most of us know this to be true at some level, the actual numbers were seriously confronting. The rate of over-60s who owned one investment property in the 2022-23 financial year has grown by 233 per cent since 1999-2000 (from 122,964 to 383,554). Meanwhile, the rate of those who own six or more investment properties grew by 400 per cent, from 1728 to 8646.

Naturally, these numbers will mean different things to different people. If you’re lucky enough to have found yourself born into a family where your parents or grandparents own one or more investment properties that are destined to come your way, it’s good news for you.

If you’re not among the majority of Australians who don’t have a guaranteed windfall on the horizon, though, things might be feeling uncertain not only for you, but also for your own kids.

But even if you aren’t in a position to one day hand down a property (or half a dozen) to your kids, there are still many ways you can help them financially and create a brighter future for them to enjoy. Here are three affordable options to consider.

What every single parent can provide their children with, no matter their income bracket, is a solid financial education.

1. Start putting away money early and often

At the risk of sounding like a broken record, compound interest really is the........

© Brisbane Times