Investopoly

In this Q&A episode, Stuart explores how to make strategic decisions with lump sums, whether they come from inheritances, business opportunities, or property sales. He offers guidance to William, who’s weighing how best to use a $750,000 inheritance to build long-term wealth while balancing homeownership and market timing. Sarah, currently on maternity leave, wants to optimise the $130,000 pro...

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart breaks down the 'Investor Risk Premium', a key concept that helps you assess whether you’re being fairly rewarded for the risks you take with your investments. Traditionally used in share investing, Stuart explains why this idea should apply to all as...

In this Q&A episode, Stuart unpacks a wide range of listener questions, from navigating complex property strategies to exploring the role of diversification in a balanced investment portfolio. He shares tailored insights with AJ on managing a high-income household, including whether to sell, develop, or hold investment properties, how to structure super contributions and if moving into a compl...

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, we dive deep into the hotspotting vs. buy-and-hold debate to determine which strategy delivers better long-term wealth . 🔹 What is hotspotting? Hotspotting involves identifying areas poised for short-term price growth , often in regional locations or outer suburbs. B...

In this Q&A episode, Stuart dives into diverse financial topics, from tax-efficient super strategies to Melbourne's property market trends and business exit planning. He answers listener questions on the best share broking platforms, breaking down fees, accessibility, and market options. For superannuation investors, Stuart explains the tax implications of switching super fund investment...

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, we take a deep dive into property development as a wealth-building strategy. Using real-life case studies, we explore whether small-scale property development offers better returns than traditional buy-and-hold investing. 🔹 Does developing property really pay off?  S...

In this Q&A episode, Stuart tackles pressing financial questions on asset protection, property decisions, and short-term investment strategies. He delves into whether high-net-worth individuals should prioritise asset protection over tax efficiency and whether selling assets now to move them into a trust is worth the CGT hit. Stuart also advises on the tricky decision of whether to sell or hol...

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart shares the key ways a financial advisor can help you maximise your share portfolio’s returns—beyond just picking stocks . 🔹 What difference does an advisor make? Even savvy, self-directed investors can unknowingly leave money on the table. Stuart recounts a re...

In this Q&A podcast, I discuss strategies for maximising superannuation contributions, including the eligibility criteria for large non-concessional contributions and using income from properties and trusts to qualify. A listener seeking retirement planning advice receives insights on optimising investments for income, along with guidance on investing in shares versus property and the implicat...

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Campbell Wallace breaks down the key qualities that make a great buyer’s agent and why choosing the right one can make or break your property investment strategy. Investing in the highest-quality, investment-grade property within your budget is crucial for long-term c...

In this Q&A episode, Stuart delves into a variety of listener questions, tackling key financial strategies for wealth-building, tax optimisation, and long-term investment planning. He explores the complexities of intergenerational wealth creation, discussing how trusts can be structured to compound assets over generations. Loan structuring and tax deductibility are also covered, helping invest...

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart explores why having a clear, long-term investment strategy is essential for financial success. Inspired by Rohan Rajiv’s insights on strategy, he breaks down how defining a sequence of smart financial steps can help you navigate trade-offs, avoid costly mistake...

In this Q&A episode, Stuart tackles a diverse range of listener questions, covering key financial strategies to optimise wealth and retirement planning. He explores the idea of setting up super accounts for children, weighing the long-term benefits against prioritising present-day investments. He also dives into the complexities of franking credits, comparing industry funds with self-managed s...

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart explores an alternative strategy for property investors who may be cash-flow-poor but asset-rich—co-investing in property with your superannuation. Building on last week’s discussion about the pros and cons of borrowing inside super, Stuart introduces a method...

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. In this case study episode, Stuart Wemyss discusses a client’s journey to establishing a successful retirement strategy using a perpetual portfolio. The client, who began retirement with a Self-Managed Super Fund (SMSF) balance of just under $2 million, faced significant losses from a poor stock pick. How...

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart breaks down the realities of borrowing to invest in property inside your superannuation. While SMSFs using Limited Recourse Borrowing Arrangements (LRBAs) have seen impressive asset growth—rising from $43 billion to $70 billion in just five years—the benefits o...

In this Q&A episode, Stuart answers a range of listener questions covering property investment strategies, tax considerations, and structuring share portfolios for long-term wealth building. He explores whether it's better to sell investment properties to upgrade a family home, how to balance rental yields with capital growth, and whether to renovate or develop for higher returns. Stuart...

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart dives into the essential traits that make a mortgage broker truly great and how they can transform your financial journey. With over two decades of experience in mortgage broking and property investing, Stuart shares unique insights into what separates exceptio...

In this engaging Q&A episode, Stuart tackles a wide range of listener questions on investing, property development, superannuation strategies, and financial planning. He provides expert insights into whether to use dollar-cost averaging or lump sum investing, evaluates the benefits of wrap platforms versus low-cost funds like VDGR, and offers guidance on property decisions, including whether t...

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart explores the best strategies for investing in the share market in 2025, comparing index funds, managed funds, and direct shares. Backed by data from the S&P Dow Jones SPIVA report, Stuart explains why evidence-based, rules-driven strategies consistently out...

In this episode, Stuart answers listener questions about share market investing in 2025, exploring the merits of index funds, managed funds, and direct shares. He explains why evidence-based, rules-driven strategies consistently outperform active management, using data from the S&P Dow Jones SPIVA report. Stuart highlights that over 85% of Australian actively managed funds and 90% of U.S. fund...

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Stuart delves into the key trends and expectations shaping the Australian property market in 2025. He unpacks the fascinating dynamics driving property prices across the nation’s capital cities. From Perth's explosive growth to Melbourne's ongoing flat cycle...

In this episode, Stuart dives into listener questions covering a wide array of financial topics, from optimising the use of offset accounts versus SMSF loans to debt recycling as a tax-efficient strategy. He shares insights on how to allocate surplus funds, particularly in scenarios where SMSF loans carry higher interest rates than traditional investment loans. Stuart also explores the complexitie...

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here. Read full blog here. In this episode, Campbell tackles a common yet complex financial question: should you use your surplus cash flow to pay down debt or invest for the future? Starting with the goal of owning your home outright by retirement, Campbell explains why that’s a sensible priority. He then expl...

In this episode, Stuart addresses a variety of listener questions covering topics like helping family members plan for retirement, understanding the tax implications of superannuation options, and the intricacies of asset protection in personal and business relationships. He explores strategies to assist parents with low financial literacy, including structuring their business for tax savings and...