Investopoly

Read the full blog here.Looking ahead to Australia's economic future, we're faced with a provocative question - does Australia need a recession now? This episode promises to stir your thoughts and provide some food for consideration as we delve into the impact of interest rates on inflation and how this tool could be used to induce a deliberate recession. Brace yourself for an in-depth discussion of the implications of rising costs of living, including wages, energy costs, and insurance premiums, on Australians from various income brackets and debt levels. We'll also dissect how businesses may need to increase their charges to sustain their profit margins, potentially triggering a wage-price inflation spiral and an unsustainable economy.Switching gears, we engage with the potential approach of the Reserve Bank of Australia to manipulate interest rates in an attempt to counter inflation and possibly induce a recession. We promise an enlightening exploration of its possible impact on productivity and inflation, and how this strategy could stabilize the economy for the long haul. However, this episode isn't all doom and gloom; we'll also highlight the potential opportunities in such a scenario to restructure certain industries. But we won't shy away from the possible downside either, emphasizing that a deep recession isn't necessary to gain the desired outcome. Need some insights into Australia's economic future? Prepare for a roller-coaster ride of ideas and perspectives in this episode.Do 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.

Click here to read the full blog including charts. What if you could double your real estate investment in a decade? Join our host, Stuart Wemyss, as he ventures into the rich field of residential real estate returns, dissecting the figures to expose a fascinating average decade-long return of 9.7%. He pulls apart this promising percentage, exploring its components of 7.3% capital growth and 2.4% net rental yield. Yet what lies behind the volatility of these returns? Wemyss will take you through the highs and lows of the past four decades, bringing the figures to life with his insightful analysis.But that's not all. We're also delving into the complexities of the Australian rental crisis and the impact it's having on private landlords. Why are they exiting the market? How is above-average rental growth influencing capital growth? And what actions can the government take to encourage more private investors? We're going to analyse these critical issues in detail. Lastly, we turn to the future, projecting the potential wealth impact in 10 years. This episode is packed with in-depth analysis and insights that could potentially have a significant impact on your investment strategy. Prepare to see your real estate investments in a new light.Do 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.

Read the full blog here.Ready to ramp up your grasp on the property market? Let's do it together as I, Stuart Wemyss, guide you through the labyrinth of property terminologies like never before. We'll start by unveiling the mysteries of the land value, loan to value ratio, value of improvements, comparable sales and calculating the gross rental yield, essentially everything you need to know to estimate the market value of a property. By the end of this, you won't just be a bystander in the property market, but an informed and active participant.Wait, there's more! We don't stop at mere basics. Buckle up as we navigate through the advanced terrain of property investment terminologies including negative gearing, cash flow shortfalls, borrowing capacity, borrowable equity, and compounding capital growth rate. Learn how to calculate pre-tax and post-tax cash flow shortfalls, borrowable equity, and the compounding capital growth rate. We'll also dissect how net sale proceeds, capital gains tax and land tax can impact the potential returns. Whether you're a seasoned investor or a newbie, this podcast is set to revolutionize your understanding of the property market. So sit back, relax and let's conquer the property market together!Do 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.

Read the full blog online.Are you prepared to conquer the volatile landscape of share market investing? We'll dissect the intricacies of this exciting yet challenging realm. We'll delve into the art of identifying potent markets through historical data, employ evidence-based methodologies to trim down investment risk, and scrutinise the performance of diverse asset classes over the previous decade. Did you know that a mere 7 stocks on the S&P 500 index account for a quarter of its total value and all its returns this year?As we navigate deeper into the world of share market investing, we'll piece together how a meticulously curated portfolio can be your safeguard against risk and your ticket to maximising returns. We'll talk about the merits of cost-effective indexing approaches tailored to different geographical markets. Plus, we'll unravel the enigma of the law of mean reversion and how it can be wielded to boost your returns. From decoding the US CAPE ratio to analysing the top 10 most valuable stocks, this podcast is your treasure trove of investment wisdom. Whether you're a seasoned investor or a novice, this episode equips you with the strategies you need to successfully traverse the share market's rollercoaster ride of risks and rewards.Do 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.

Read the full blog here. Are you ready to untangle the complexities of super investing in property with borrowings? We're going back in time to 2007 when the game changed for self-managed super funds. Once the laws allowed these funds to borrow for investment, it sparked a significant rise in borrowing, culminating to almost $45 billion over a decade. But things have shifted in recent years, with borrowing in super declining. What led to this change? And with new lenders on the scene offering irresistible terms, is it time to revisit this strategy? We're unpacking all this and more.But we won't stop there. We're going even deeper to uncover the concept of borrowing to invest in superannuation. We'll discuss the tax implications of having up to $1.9 million in pension phase and the extra 15% tax on super balances above $3 million. We'll shed light on the pros and cons of this strategy, its sensitivity to changes in legislation and lending products, and why it might be a good idea to keep gearing outside of super. So get ready, it's time to demystify super investing in property.Do 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.

Read the full blog here. Ever wondered how you could smartly diversify your investment portfolio, reduce risk and achieve commendable performance over time? What if I told you the answer lies in Exchange Traded Funds (ETFs)? Today, we're breaking down everything you need to know about ETFs. We'll discuss what an ETF is, the process of investing in one, and the fees that come with it. We'll also introduce you to the key players who ensure ETFs run smoothly, and discuss the risks involved and how market liquidity is maintained.But we're not stopping there. We're also examining how to integrate ETFs into your investment portfolio for maximum advantages. We'll share insights on the liquidity, risk, and performance of ETFs, as well as tips on picking ETFs that align with your investment philosophy. We'll explore the wonders of diversified ETFs and discuss how combining ETFs with managed funds can give you the best of both worlds. What's more? We'll also delve into how ETFs can be a great tool for long-term savings, particularly for children. So sit back, relax, and prepare for a wealth of knowledge on ETFs and their potential role in your wealth-building strategy. This is one conversation you don't want to miss!Do 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.

Read the full blog here. Ever thought about how rising costs of construction can impact your property investment? Brace yourself for a deep dive into the world of property investment with our expert, Stuart Wemyss. With a keen focus on construction costs, we unravel the layers of how a 5.3% p.a. increase from 1966 to 2023 can influence the building value of your property. Together, we'll decipher how these escalating costs are balanced against inevitable factors like depreciation and maintenance. Grasp the golden rule - for a property value to double every decade, the land value must appreciate by 10%. This episode will empower you with the knowledge to make shrewd investment decisions.We shift gears to discuss the crucial role of land value in property investment. Unearth the secrets of why investing in prime land can yield higher returns. Stuart teaches us the pitfalls of being swayed by short-term performance and why placing your bets on the underlying land value can be a more profitable strategy. Join us as we untangle these complex threads and equip you with actionable strategies and tips to navigate the realm of property investment. With this episode, we promise to arm you with insights to build wealth through property like a pro!Do 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.

Watch the presentation on YouTube here.Imagine a world where you have full control over your finances, where every dollar spent contributes to your joy and standard of living. This is not a dream with no basis in reality; it's completely achievable with an understanding of effective cash flow management. I'm Stuart Weems, here to guide you through this crucial financial maze. This episode uncovers the secrets of eliminating unconscious spending, enhancing your enjoyment per dollar, and the necessity of spending less than you earn. We'll dissect the three types of expenses – non-discretionary, conscious discretionary, and unconscious discretionary - and reveal different strategies to handle each. You'll learn how to control your unconscious discretionary spending at an aggregate level and the vital role it plays in your financial independence. We'll also discuss the two-account system – a primary account and a spending account – as a simple solution for effective cash flow management. So, join me as we embark on this journey to achieve financial freedom, one dollar at a time.Do 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.

Watch the presentation on YouTube here.Curious about how to navigate the seemingly complicated world of share market investing? Join me, Stuart Weems, as I unravel the key principles of investing and illustrate why you don't need to be a Wall Street expert to grow your wealth. Together, we'll explore the merits of a hands-off investment approach, the beauty of regular income streams, and the freedom of liquid investments. We'll also delve into the potential flipside - the volatility that can sometimes come with share markets, and why it's crucial to tread with caution.In this journey, I'll share insights on simple share market investing, emphasizing the importance of getting advice tailored to your unique circumstances. We'll discuss the advantages of predictable income, the liquidity of investments, and the liberty of low costs, all while equipping you with a simple and straightforward strategy to make the most of your investments in the stock market. So, buckle up for a deep dive into the world of investing, where knowledge is power and with the right information, anyone can master the game of wealth building.Do 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.

Watch the presentation on YouTube here.Link to the table regarding how long super will last. Are you feeling overwhelmed by the complexities of superannuation and its impact on your retirement planning? Fear not! We’re here to break down these financial intricacies, equipping you with the knowledge to retire comfortably. In this dialogue, we address the pressing concerns about fluctuating super rules and government control. We dissect the restrictions on contributions, including the nitty-gritty of concessional and non-concessional contributions and their tax implications, and the potential changes to the age of super access. Did you know that understanding your superannuation can be the difference between an okay retirement and a golden one? In the second half of our discussion, we delve into the multifaceted world of retirement funding. We give you the tools to calculate how much superannuation you'll need to maintain your lifestyle post-retirement, taking into account crucial factors such as your age. Additionally, we highlight the importance of diversifying your assets to supplement your superannuation and create a well-rounded financial padding for your retirement. This episode is your one-stop-shop for all things superannuation and retirement planning, so tune in and future-proof your finances!Do 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.