Investopoly

Q&A: My target audience, investing in US domicile ETFs and whether to repay P&I to minimise interest rate...

Jun 2, 2025
Stuart dives into the wealth gap in Australia, emphasizing the importance of broad financial strategies. He clarifies the nuances of investing in US-domiciled ETFs, tackling the tax implications and risks involved. The discussion shifts to investment loans, weighing the pros and cons of interest-only versus principal and interest repayments. Finally, he provides insights on family financial planning, evaluating whether to stretch a home budget or focus on ETFs and super, while considering future expenses like education and inheritance.
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ANECDOTE

Listener Feedback Inspires Stuart

  • Stuart shares a personal experience meeting podcast listeners at wine events who expressed gratitude.
  • This unexpected feedback energizes him to improve and reach more people with financial knowledge.
INSIGHT

Investopoly Targets Wealthiest 20%

  • Stuart targets the wealthiest 20% of Australians, as this group holds most of the household wealth.
  • He believes helping those with investable money make smart decisions creates significant impact.
ADVICE

Prefer Australian-Domiciled ETFs

  • Avoid heavy investment in US-domiciled ETFs due to currency risk, tax complexity, and legislative risks.
  • Prefer Australian-domiciled ETFs for simpler tax treatment and growing product options domestically.
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