Investopoly
Stuart Wemyss & Campbell Wallace
Investopoly is a twice-weekly podcast designed to help you make better financial decisions and build wealth with clarity and confidence. Hosted by Stuart (tax adviser, financial adviser, and mortgage broker) and Campbell (senior financial adviser), each episode delivers concise, practical insights grounded in real-world strategy, research, methodologies, and case studies.You will get two episodes each week: a main episode that deep-dives into a single wealth-building topic, and a Q&A episode that answers listener questions and real scenarios. Send your questions to [email protected] also write a weekly blog, and many podcast topics build on those ideas and frameworks. Stuart’s book, Wealth by Design, is out now in soft cover, e-book and audiobook: https://amzn.asia/d/08a4BmhI. His next book, Business by Design, written for business owners, is due mid 2027.
Episodes
Mentioned books
4 snips
Nov 10, 2026 • 31min
Ep 434: Why index investing is so hard to beat
Why do a tiny fraction of stocks create nearly all market wealth? This discussion explores the challenge of finding those winners in advance, the hidden costs of stock picking, and why volatility and sharp rebounds make market timing so risky. It also compares monthly investing with lump sums, examines the behavior gap, and considers when emerging markets and smaller companies may call for a more selective approach.
Nov 9, 2026 • 35min
Q&A - SMSF property debt before retirement: repay or invest?
Should SMSF property debt be repaid before retirement? This Q&A explores interest-only loans, growth ETFs, and using offset cash instead of selling property in a weak market. It also examines commercial property valuation risks, sustainable withdrawals from a large portfolio, cash reserves for retirement, proposed trust-tax changes, and contribution splitting to balance super.
Nov 3, 2026 • 34min
Ep 433: ASX 200 or global shares: Where to put new money
Should new investment money stay in Australia or go global? This discussion examines the ASX 200’s concentration in banks and miners, lofty valuations, limited technology exposure, high dividend payouts, weak productivity and innovation, and the drawbacks of oligopolies. It also explores why existing Australian holdings may still be worth keeping, from franking credits to income and diversification.
Nov 2, 2026 • 35min
Q&A - Capital gains tax 6-year rule: the rentvesting trap
A listener Q&A explores the rentvesting trap created by proposed capital gains tax changes and why preserving one potentially CGT-free home matters. Other dilemmas include selling an investment property to fund a $2 million home, balancing family trust investing with super contributions, using geared ETFs, and choosing debt recycling over a second property.
Oct 27, 2026 • 39min
Ep 432: Bond ETFs vs 10-Year government bonds: Lock in or not?
Are 10-year government bonds yielding around 5.2% finally worth locking in? This discussion explores duration, term premiums, credit spreads, and why starting yield matters. It compares long-dated bonds with subordinated-debt ETFs such as SUBD and BSUB, examines the fading bank-hybrid market and its risks, and clarifies running yield versus yield to maturity using PGBF.
Oct 26, 2026 • 38min
Q&A - Bucket company asset allocation: trust or company?
Should a bucket company favour Australian or global shares? This Q&A explores tax advantages, franking credits and ways to rebalance without triggering unnecessary capital gains. It also tackles a stagnant Melbourne apartment, improving cash flow while building super, spouse contribution splitting, carry-forward concessional caps, trust rollovers and why investments should stay separate from a trading business.
Oct 20, 2026 • 36min
Ep 431: How much life insurance do you need: And when to cut it
How much insurance is enough, and when should you stop paying for it? This discussion explores life, TPD, income protection and trauma cover, comparing policy types, premium structures, waiting periods and tax treatment. It also examines how debt, dependants and growing assets change your needs, plus the financial trade-off between protection and investing.
7 snips
Oct 19, 2026 • 34min
Q&A - ETF portfolio construction at 28: is 8.4% too low?
Listener questions explore whether an 8.4% return is really too low at 28, the case for low-cost ETFs over active funds, and whether advice fees are justified. The discussion covers family trusts, the six-year property rule, interest-only loans, early retirement with $5.4 million, SMSF property, and gradually investing borrowed funds.
Oct 13, 2026 • 28min
Ep 430: Is financial advice worth it? What rules can't fix.
Are financial advice returns overstated? This discussion compares Russell and Vanguard’s claims with the benefits of a disciplined, rules-based approach. It explores which mistakes investors can avoid alone, where technical advice still matters, the emotional challenge of market crashes, and when portfolio size makes advice pay for itself. Also featured: ownership structures, super contributions, cash flow, and accountability.
Oct 12, 2026 • 38min
Q&A - Debt recycling when you sell your home: keep the deduction
A practical Q&A on preserving debt deductions when moving home, including security substitutions, simultaneous settlements, and choosing flexible lenders. It also explores offset accounts versus savings accounts, when to sell an underwhelming investment property, and how leverage can support share investing. Plus, proposed family trust taxes, negative gearing, and lessons from UK housing policy come under scrutiny.
