Investopoly Q&A - From first-home buyers to $12m portfolios (& in between): Smart next moves at every stage of wealth
Nov 24, 2025
This discussion dives into the intricacies of investing at different life stages. A comparison of Hostplus and Indexed super options sheds light on fees versus returns. Listeners get strategies for first-home buying and insights on property investment for future family needs. The trend of Australians favoring spacious homes over location is explored, alongside the sustainability of outer-suburban growth. Stuart also tackles complex retirement spending needs, emphasizing personalized planning and risk management for high net-worth individuals.
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Pay For Value, Not Just Low Fees
- Consider paying higher fees for active industry-super options if they reduce risk and may deliver better net returns over time.
- Stuart Wemyss would choose Hostplus High Growth despite its 0.8% fee because of lower risk and potential for higher future returns.
Don’t Sell Assets When Location’s Uncertain
- Do nothing rash; keep existing property exposure when future location is uncertain.
- Stuart Wemyss advises accumulating cash in an offset and waiting until living-location certainty before selling assets.
Put Your Financial Best Foot Forward
- Buying property for kids is a common emotional goal but it can mislead investment decisions.
- Stuart Wemyss recommends prioritising the best financial decision for yourself to best help your children later.