In this engaging session, listeners learn why asset quality trumps market timing. Stuart advises on cutting losses with underperforming apartments and highlights the advantage of upgrading to premium properties. He warns about the pitfalls of investing in less desirable suburbs like Corio, and suggests strategies for navigating future moves to cities like Melbourne or Sydney. Young investors are encouraged to wait for better assets while considering the benefits of gearing into property versus shares, and the value of boosting superannuation.
40:13
forum Ask episode
web_stories AI Snips
view_agenda Chapters
menu_book Books
auto_awesome Transcript
info_circle Episode notes
volunteer_activism ADVICE
Cut Losses On Low‑Quality Apartments
Avoid holding one‑bedroom, off‑the‑plan apartments as long‑term investments if they lack scarcity and land value.
Cut losses on underperforming studio/one‑bed apartments and redirect funds into super or better assets before retirement.
volunteer_activism ADVICE
Level Up Into One Premium Property
Sell multiple good assets to 'level up' into one premium, blue‑chip property when financially feasible.
Prioritize asset quality and scarcity over diversification across mediocre properties for long‑term compounding.
insights INSIGHT
Borrowing Capacity Must Buy Quality
High gearing tied to poor‑quality assets reduces future opportunities and return on borrowing capacity.
Use borrowing capacity only for assets with strong long‑term compounding potential in scarce locations.
Get the Snipd Podcast app to discover more snips from this episode
In this Q&A episode, Stuart tackles a wide mix of real-world scenarios that highlight a consistent theme: asset quality and long-term strategy matter far more than short-term market noise. We start with a listener holding an underperforming one-bedroom apartment and work through why some assets simply never recover, regardless of broader market conditions. From there, we explore whether trading two good properties for a single premium home makes sense, and why “levelling up” often outperforms spreading capital thinly.
Stuart also digs into the trap of using precious borrowing capacity on mediocre assets (including a candid warning about Geelong’s Corio), the risks of delaying a future move to Melbourne or Sydney, and how to make high-stakes decisions when the path is unclear. Questions from younger investors round out the episode, including whether to buy early or wait for a better asset, plus a deeper discussion about gearing into shares versus property and super strategy for a couple approaching retirement.
My new book out in 2026: To join the pre-order waitlist and get a bonus. More info go to: http://www.investopoly.com.au/book
If you're interested in working with my team and me, discover how we can work together here: https://prosolution.com.au/prospective-client/
If this episode resonated with you, please leave a rating on your favourite podcast platform.
Subscribe to my weekly blog: http://www.investopoly.com.au/email
Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/
IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.
Investopoly 
