Investopoly

The discussion tackles the long-standing debate of REITs versus direct property, emphasizing that they serve different purposes. Stuart explains A-REITs, detailing their structures, liquidity, and the risks of concentration. He contrasts this with direct residential property, highlighting its control, growth potential, and tax benefits. Historical return comparisons show direct property as a stronger wealth builder. The Q&A segment provides practical insights on tax treatments for minor shareholders, ensuring parents avoid costly mistakes.

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.

Read Full Blog HereIn this episode, Stuart tackles the perennial question: should you fix your mortgage rate—if not now, when? He reframes “normal” using the RBA’s neutral rate (roughly 3–3.5%) and shows why today’s home loan ranges of ~5–6% (P&I) and ~5.5–6.5% (IO) are sustainable. Drawing on three decades of data, he explains why fixing has left borrowers worse off about two-thirds of the time, and why flexibility (offsets, extra repayments, refinancing, equity access) usually beats chasing a small rate win. He outlines the two defensible reasons to fix when a deal is clearly in your favour (think 2021-style anomalies) and when cash-flow protection matters more than optimisation, and why “right now” doesn’t meet that bar. In the Q&A, Stuart helps “Sam” frame a conversation with his dad about super “inheritance tax” on benefits to non-dependants, covering death-benefit tax, nominations, liquidity, and practical ways to reduce the taxable component over time. He then maps a blueprint for Lauren, who’s inheriting $3 million: building a safety bucket, buying a live-in home near Melbourne, and deploying the remainder via low-cost, rules-based investing and smart ownership structures to target ~$100k p.a. income. A grounded, evidence-first guide to rates, risk, and real-world decisions.Subscribe via www.investopoly.com.au/emailDo you have a question? Email: questions@investopoly.com.au or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts 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: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/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.

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.

Read Full Blog HereIn this episode of Investopoly, Stuart unpacks why relying solely on property sales data, no matter how comprehensive, can lead investors astray. While compound annual growth rate (CAGR) calculations are useful, Stuart explains that interpreting them without context can result in serious misjudgements. He walks through the three core attributes of investment-grade property and focuses on why “runs on the board” must be considered alongside timing, capital improvements, zoning, and local knowledge. Using examples like one-off market shocks, changes to planning overlays, and shifts in buyer sentiment (e.g., towards unrenovated homes), Stuart demonstrates how seemingly strong sales data can be misleading. He also highlights how gentrification, new infrastructure, or school zoning can skew growth trends. Importantly, he emphasises that statistical reliability demands a large enough sample size, 30 to 50 sales minimum, to make meaningful conclusions. But even then, nuances like floorplan flaws or privacy issues can’t be captured in spreadsheets. Stuart’s key message: combine detailed historical data with a buyer’s agent who knows the area inside out. Without deep, local insight, investors risk overpaying or underperforming. If you’re buying, reviewing your portfolio, or relying on sales data to guide your decisions, this episode is essential listening.Subscribe via www.investopoly.com.au/emailDo you have a question? Email: questions@investopoly.com.au or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts 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: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/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.

This discussion dives into the intricacies of investing at different life stages. A comparison of Hostplus and Indexed super options sheds light on fees versus returns. Listeners get strategies for first-home buying and insights on property investment for future family needs. The trend of Australians favoring spacious homes over location is explored, alongside the sustainability of outer-suburban growth. Stuart also tackles complex retirement spending needs, emphasizing personalized planning and risk management for high net-worth individuals.

Dive into the latest changes to the $3M super cap, where new rules are aimed at balancing wealth management for high-balance super fund holders. Discover the implications of illiquid assets and why some may choose to keep them in super. Explore listeners' dilemmas around buying a forever home and the trade-offs between selling shares or properties. Unpack strategies using family trusts versus companies for share investing, and learn the importance of waiting for clear legislation before making moves. It's a treasure trove of financial insights!

In this week’s Q&A episode of Investopoly, Stuart tackles a wide range of insightful listener questions. Julianne kicks things off by asking for Stuart’s thoughts on the Canberra property market. Shelly seeks guidance on whether to subdivide and sell land to pay down debt or wait until retirement to reduce capital gains tax. Bay raises the question of when (or whether) it makes sense to shift from low-cost index investing to more actively managed super options, especially with international shares at record highs. Stuart shares his perspective on cost vs. value when managing larger balances in superannuation. Alex, a loyal listener, asks whether the priority should be upgrading to a forever home, investing in shares, or securing an investment property first, given income constraints and private school costs. Gavin, rebuilding after a divorce, seeks advice on how to prioritise debt reduction, property consolidation, and retirement goals. Kieran explores three creative options for upgrading his family home using equity and offset accounts. Finally, Andrew asks whether Stuart has recommendations for one-off financial advice, especially for those not ready for ongoing advice. This episode is packed with practical tips and long-term strategy thinking for listeners navigating real-life financial decisions.Subscribe via www.investopoly.com.au/emailDo you have a question? Email: questions@investopoly.com.au or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts 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: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/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.

Discover why PAYG employees face unique tax challenges and how they can navigate the system for better outcomes. Explore strategies like super contributions and negative gearing as part of a long-term wealth plan, not just for short-term relief. Learn about maximizing tax-free benefits through the Transfer Balance Cap and using the main residence exemption wisely. Stuart offers practical advice on reallocating investments and managing cash flow, making tax planning about lifetime strategies instead of yearly gains.

In this engaging discussion, listeners explore the dilemma of upgrading to a forever home versus investing elsewhere. With insights on home buying timing and the benefits of early ownership, the conversation covers practical strategies like refinancing and the perils of cross-collateralisation. Post-divorce financial rebuilding is addressed, as well as how to structure investments for early retirement. From evaluating risks in property cycles to optimizing superannuation, this Q&A delivers valuable advice for navigating complex financial choices.