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 writes a weekly blog, and many podcast topics build on those ideas and frameworks. Stuart's forthcoming book, Wealth by Design, will be available in July 2026.
Episodes
Mentioned books
Oct 13, 2026 • 27min
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 • 37min
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.
Oct 6, 2026 • 38min
Ep 429: How much do you need to retire & are you on track? Work it out here.
How much is enough to retire, and are your investments on track? This discussion explores the $2.1 million versus $3 million retirement targets, planning for retirement before super access, and the trade-offs between preserving capital and spending it down. It also covers super versus investments outside super, geared property, higher lifestyle spending, and practical ways to adjust course.
6 snips
Oct 5, 2026 • 37min
Q&A- Sequence of returns risk retiring early: bridging to super
Could you retire at 52 using ETFs and a cash buffer before accessing super? This discussion explores sequence-of-returns risk, spending through market downturns, conservative gearing and securing borrowing capacity early. It also covers debt recycling RSUs, super splitting, investment ownership structures, internally geared ETFs, proposed trust tax changes and the safety of large offset balances.
Sep 29, 2026 • 29min
Ep 428: Why interest rates may need to stay higher for longer
Inflation is back in Australia, challenging forecasts and raising fresh questions about how long interest rates must remain elevated. Explore the forces behind the second wave, from government spending and cautious central-bank action to the AI data-centre boom. Demographics, rising savings and mortgage offsets may also be weakening the impact of rate hikes, making both borrowing strategies and hopes for rate cuts worth stress-testing.
5 snips
Sep 28, 2026 • 36min
Q&A: Upgrade or rentvest, home equity loans, and going non-resident
Four real-world money dilemmas take center stage: whether to upgrade to a premium home or rentvest, how to preserve tax-deductible debt and unwind cross-collateralised loans, and when borrowing to invest in ETFs makes sense. The discussion also explores super catch-up strategies, overseas moves, and how non-residency can reshape Australian property tax outcomes.
10 snips
Sep 22, 2026 • 36min
Ep 427: How to assess whether property and share markets are attractively priced
How can investors tell whether property and share markets are attractively priced? This discussion explores valuation, long-term trends, rental yields, replacement costs and regional comparisons for property. It also examines P/E ratios, free cash flow, price-to-book and dividend yield, using the FTSE 100 as a practical case study in combining signals.
Sep 21, 2026 • 36min
Q&A - Deploying an inheritance, selling an average property, and funding a long retirement
Four very different money dilemmas take centre stage: putting a $480k inheritance to work, choosing between mortgage reduction, ETFs, property and super, and deciding when an average investment property should go. The discussion also explores funding a 45-year retirement from an $8.8 million property portfolio, including liquidity, contribution caps and the gradual transition away from property.
9 snips
Sep 15, 2026 • 28min
Ep 426: The do not invest list: why good investors say no
Why do disciplined investors say no more often than yes? This discussion explores the wealth equation, the primacy of investment efficiency, and the proper order of quality, price, and diversification. It also examines the hidden cost of bad decisions, genuine diversification, and a detailed do-not-invest list covering crypto, complex funds, private markets, new-build property, and IPOs.
Sep 14, 2026 • 33min
Q&A - Choosing a pension account, topping up in retirement, and offset versus debt recycling
Five practical money questions take center stage: choosing between pension accounts and investment options, funding retirement while building a legacy, and weighing international shares. The discussion also explores SMSF simplicity, property and REITs, plus the crucial choice between keeping cash in an offset or debt recycling into ETFs.
