Investopoly

DOWNLOAD our 97-point financial health checklist here . Read full blog here. In this episode, Stuart explores the critical question of whether financial advice is worth the cost. He delves into how the value of advice is closely tied to the amount you have to invest, the complexity of your financial needs, and the range of services required.  Stuart highlights how professional advice can optimise...

DOWNLOAD our 97-point financial health checklist here . In this Q&A episode, Stuart answers a range of insightful questions from listeners, covering various aspects of property investment, share market strategies, and borrowing capacity. He discusses the best vehicles for holding investments, such as companies, trusts, and superannuation, and offers his perspective on why the Adelaide property...

DOWNLOAD our 97-point financial health checklist here . Read full blog here. In this episode, Stuart delves into why Australia’s share market often seems to underperform compared to global markets, despite occasional bright spots. He reflects on the recent 6% market drop followed by a modest recovery in Australia compared to the US. While historical data shows a relatively small difference in long...

DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/ In this case study episode, Stuart takes listeners through a fascinating client journey that showcases a 3.2x growth in investment assets over nine years. Starting with a net worth of $2.7 million in 2015, the clients have seen their wealth soar to $6.5 million by leveraging smart financial strate...

DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/ Read full blog here. In this episode, Stuart revisits the concept of "liveinvesting," a strategy where you invest more in your family home to secure a prime location with strong growth potential. As property prices in cities like Melbourne are currently more affordable, Stuart explores w...

Do you have a question? Email questions@investopoly.com.au and Stuart may answer it in the podcast. In this episode, Stuart tackles a variety of financial questions, offering expert insights and practical advice on key dilemmas. He begins by discussing whether to sell an investment property to reduce a home loan or hold onto it for long-term growth, weighing the potential returns against the benef...

DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/ Read full blog here . In this episode, Stuart delves into the six crucial considerations for selling a property, offering valuable insights to maximise your success. He begins by emphasizing the importance of presentation and making small improvements to attract buyers and achieve a higher sale pr...

Do you have a question? Email questions@investopoly.com.au and Stuart may answer it in the podcast. In this case study episode, Stuart explores the impressive journey of a couple who have transformed their net worth from $868k in 2010 to over $5.4m today. Starting with a modest portfolio that included a primary residence, a Tasmanian property, shares, and superannuation, the couple strategically d...

Do you have a question? Email questions@investopoly.com.au and Stuart may answer it in the podcast. Read full blog here. In this episode, Stuart delves into the critical topic of selecting the best super fund for 2024. With many super funds delivering impressive double-digit returns in the past financial year, Stuart highlights the disparity among funds, particularly in terms of transparency and r...

Do you have a question? Email questions@investopoly.com.au and Stuart may answer it in the podcast. In this case study episode, Stuart Wemyss shifts from case studies to an interactive Q&A format, addressing several listener inquiries. The episode kicks off with strategies for early retirement, where Stuart discusses balancing investment approaches, living expenses, and aggressive gearing tech...

Do you have a question? Email questions@investopoly.com.au and Stuart may answer it in the podcast. Read full blog here. In this episode, Stuart delves into the essential topic of how much superannuation you need for a comfortable retirement. Drawing on a recent discussion with James Kirby from The Australian newspaper, Stuart explores the complexities of retirement planning, including how long yo...

Do you have a question? Email questions@investopoly.com.au and Stuart may answer it in the podcast. In this case study episode, Stuart takes us through the financial journey of a high-income client who started with mortgage advice in 2007 and expanded to holistic financial advice in 2014. The client's initial assets included a primary residence worth $1.2 million. Significant property investm...

Do you have a question? Email questions@investopoly.com.au and Stuart may answer it in the podcast. Read full blog here. In this episode, Stuart dives into the world of share investing by exploring four alternative rules-based indexing strategies beyond the traditional market cap approach. He starts with a brief history of market cap indexing and highlights its major shortcomings, such as overexpo...

In this case study episode, Stuart delves into the transformative journey of a couple who embraced the principle that quality trumps quantity in property investment. Beginning their journey in 2015 with a net worth of $1.35 million, their portfolio included several underperforming properties. Through strategic advice, they sold these assets and reinvested in higher-quality properties, significantl...

Do you have a question? Email questions@investopoly.com.au and Stuart may answer it in the podcast. Read full blog here. In this episode, Stuart Wemyss delves into the significant impact of the current cost-of-living crisis on retirement planning. Stuart highlights how the sharp rise in everyday expenses over the past four years, often outpacing general inflation, can hinder your ability to save f...

In this case study episode, Stuart Wemyss explores the journey of a client who has successfully navigated property investment within their superannuation, shares, and the importance of diversification. Working with the client since 2009, Stuart details their progression from an initial $4.8 million in assets to an impressive $9 million. The episode highlights the client's strategic acquisitio...

Do you have a question? Email questions@investopoly.com.au and Stuart will answer in the podcast from next week onwards. Read full blog here. In this episode, Stuart delves into the often-overlooked downsides of property investing. While the benefits are frequently highlighted, it's crucial to recognise and mitigate the potential drawbacks. Stuart outlines six key reasons why property might n...

In this case study episode, Stuart delves into the impressive financial journey of a client who staunchly avoids property investment. Starting in 2016 with $760k in shares and $595k in debt, the client had a combined super of $324k and no home loan on a $2.5m residence. With an income of $440k and living expenses of $96k, his net investment assets stood at $490k. Fast forward to today, his shares...

Read full blog here. In this episode, Stuart delves into the intriguing question: should you invest 100% of your super in shares? He explores the conventional wisdom of diversified asset allocation, highlighting the potential benefits of focusing entirely on shares given the long-term nature of superannuation. Stuart explains how pre-mixed investment options and lifecycle strategies manage your su...

In this case study episode, Stuart shares the long-term success story of a client he has worked with for over two decades. Starting with mortgage broking 20 years ago, this client has built an impressive investment property portfolio worth $23.5 million. The key to their success? Patience and strategic property selection. With an average holding period of 25 years, this client has seen properties...

Read full blog here. In this episode, Stuart explores the soaring costs of holding investment properties and whether they still make financial sense. Over the past four years, significant hikes in expenses like insurance, council rates, and maintenance, coupled with a cash rate increase from 0.10% to 4.35%, have challenged property investors. Despite anticipated rental income growth, the discussio...

In this case study episode, Stuart explores the remarkable journey of a couple on the road to early retirement. When they began working together in 2015, the couple had a net worth of $420k. Fast forward to today, their net worth has soared to $2.5m, driven by strategic property decisions and smart investment moves. They purchased their first investment-grade apartment in 2016 for $488k, followed...

Read full blog here. In this episode, Stuart issues a crucial warning to couples: don't let one spouse handle all the financial matters. While it's natural for one partner to take the lead, it's vital for both to stay involved and informed. Stuart highlights the importance of understanding and communicating about financial documents, ensuring both partners know what they’re signing....

In this case study episode, Stuart and Frencham unveil a compelling 15-year journey towards financial freedom through property and superannuation. Beginning with a modest net worth of $2.4 million in 2008, their client's portfolio has surged to nearly $10 million today. Through strategic property investments, including homes in desirable locations like Hawthorn and Toorak, and optimising supe...

Read full blog here. In this episode, Stuart explores the often-overlooked dangers of being too risk-averse in financial planning. He argues that an excessive focus on reducing perceived financial risk can jeopardise your lifestyle goals due to the high opportunity costs involved. Many people fall into the trap of continuously repaying debt at the expense of exploring other investment opportunitie...