Investopoly Q&A - Property-Heavy Portfolios, When to Stop Accumulating, and Choosing the Right Next Investment Move
Dec 1, 2025
Stuart dives into the significance of choosing between different superannuation options, emphasizing lower fees and evidence-based strategies. He maps out financial plans for listeners, exploring the balance between lifestyle choices and investment decisions. The discussion shifts to whether to invest in property or ETFs, especially for buyers under $1 million. Stuart also highlights practical steps for beginners, including emergency funds and automated contributions. The episode concludes with insights on managing debt and investment strategies as financial goals evolve.
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Pay For Advice When Big Rocks Align
- Seek paid, personalised advice when facing multiple large financial decisions that interact across tax, lending and estate issues.
- A good adviser helps structure choices around your long-term plan rather than offer one-size-fits-all fixes.
Turn Non-Deductible Debt Into An Asset
- Converting non-deductible home debt into tax-deductible debt can materially improve cashflow if done correctly.
- Treat that conversion as low-hanging fruit to make servicing large renovation borrowings more efficient.
Sell To Minimise Borrowing For A Rebuild
- Consider selling an existing property to minimise borrowing for a rebuild and reduce non-deductible debt before expanding other savings like super.
- Use proceeds to lower required construction debt and free cashflow to prioritise super contributions.