Investopoly

In this Q&A episode, Stuart delves into a variety of listener questions, tackling key financial strategies for wealth-building, tax optimisation, and long-term investment planning. He explores the complexities of intergenerational wealth creation, discussing how trusts can be structured to compound assets over generations. Loan structuring and tax deductibility are also covered, helping investors understand how to optimise their financing for maximum benefits.Additionally, Stuart critiques different investment strategies beyond property, guiding a listener on diversifying their portfolio effectively. The episode also features an in-depth discussion on balancing property investments with homeownership goals—whether to continue expanding an investment property portfolio, buy a primary residence, or hold off for a better opportunity. Lastly, he provides insights for those feeling financially stretched after purchasing their first investment property, offering a strategic roadmap to move forward.If you're looking to refine your investment approach, structure wealth for future generations, or navigate key financial decisions, this episode is packed with expert insights to help you chart the best course. Tune in now for practical advice on securing your financial future!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.

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.Read full blog here.In this episode, Stuart explores why having a clear, long-term investment strategy is essential for financial success. Inspired by Rohan Rajiv’s insights on strategy, he breaks down how defining a sequence of smart financial steps can help you navigate trade-offs, avoid costly mistakes, and stay on track toward your financial goals.You’ll discover:✅ How a well-planned strategy helps you make smarter financial and lifestyle decisions✅ Why defining your end goal is the key to making wealth-building efficient✅ How a structured approach to investing can help you balance risk, tax, and diversification✅ The biggest mistakes people make when they invest without a clear planPlus, Stuart shares an often-overlooked bonus benefit of having a strong financial strategy—one that lets you enjoy life today while securing your future!Don’t miss this insightful discussion—tune in now to find out how to build lasting wealth the right way!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.

In this Q&A episode, Stuart tackles a diverse range of listener questions, covering key financial strategies to optimise wealth and retirement planning. He explores the idea of setting up super accounts for children, weighing the long-term benefits against prioritising present-day investments. He also dives into the complexities of franking credits, comparing industry funds with self-managed super funds and their impact on retirement income.For property investors, Stuart breaks down the decision-making process between renovating a home or reinvesting sale proceeds into new opportunities, factoring in tax implications and market trends. He also provides insights into early retirement planning, discussing how much is "enough" to retire comfortably while maintaining financial flexibility. Additionally, he examines how property valuations within SMSFs influence pension obligations and long-term financial planning.Whether you're strategising for your family's financial future, navigating superannuation complexities, or deciding when to retire, this episode is packed with expert insights to help you make informed decisions. Tune in now for actionable advice on making the most of your wealth.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.

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.Read full blog here.In this episode, Stuart explores an alternative strategy for property investors who may be cash-flow-poor but asset-rich—co-investing in property with your superannuation.Building on last week’s discussion about the pros and cons of borrowing inside super, Stuart introduces a method that could help investors increase their budget to secure higher-quality properties without fully relying on superannuation borrowings. By co-investing with your SMSF, you can leverage personal assets while keeping the super fund's share unleveraged—potentially improving diversification, minimizing tax liabilities, and enhancing long-term returns.However, Stuart also breaks down the complexities of this approach, from legal structures to tax considerations and liquidity concerns. He cautions against forcing a property investment strategy where it may not be the best fit and stresses the importance of independent financial advice.Is this strategy right for you? Tune in to learn how co-investing with your super could help you access better-quality assets while maintaining financial flexibility. Plus, get insights into when property may not be the ideal investment choice within your super fund.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.

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.In this case study episode, Stuart Wemyss discusses a client’s journey to establishing a successful retirement strategy using a perpetual portfolio. The client, who began retirement with a Self-Managed Super Fund (SMSF) balance of just under $2 million, faced significant losses from a poor stock pick. However, over seven years, the portfolio has grown despite drawing substantial pension payments. Stuart highlights key strategies employed to achieve this growth, such as selling underperforming active funds, including Magellan and Walter Scott, and shifting to a more income-focused equity strategy using ETFs and corporate bonds.The client’s real estate assets have also appreciated, with equity in their property doubling. Stuart emphasizes the importance of diversification, noting that despite some asset classes like banks and bonds underperforming, diversification across sectors smooth returns over the long run. He also stresses the importance of balancing income and capital growth in a retirement portfolio, ensuring all assets contribute. The episode concludes with a discussion on the challenges of active management and the benefits of long-term, diversified strategies for a successful retirement.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.

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.Read full blog here.In this episode, Stuart breaks down the realities of borrowing to invest in property inside your superannuation. While SMSFs using Limited Recourse Borrowing Arrangements (LRBAs) have seen impressive asset growth—rising from $43 billion to $70 billion in just five years—the benefits of this strategy are often overstated.Stuart dives into the numbers, comparing returns on property investment inside and outside of super. He highlights key factors such as higher SMSF loan interest rates, reduced negative gearing benefits, and the importance of gearing ratios. While avoiding Capital Gains Tax (CGT) in super sounds appealing, the actual after-tax return may not always outperform traditional property investment in personal names.Should you borrow to invest in property inside super? Or would you be better off leaving your funds in a high-performing super fund instead? Stuart provides in-depth analysis, answering these critical questions and offering practical guidance on making the right investment choice.He also warns of potential liquidity traps and emphasizes the importance of choosing investment-grade property for long-term growth. Tune in to get the full breakdown and a sneak peek into next week’s strategy for overcoming borrowing constraints in super!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.

In this Q&A episode, Stuart answers a range of listener questions covering property investment strategies, tax considerations, and structuring share portfolios for long-term wealth building. He explores whether it's better to sell investment properties to upgrade a family home, how to balance rental yields with capital growth, and whether to renovate or develop for higher returns.Stuart also dives into tax-efficient superannuation strategies, IRR calculations for property investments, and the differences between investing in personal names versus family trusts. For those looking to optimize their share investments, he provides insights on platforms like Stockspot and Pearler and how to build a tax-efficient portfolio outside of super.If you're navigating property decisions, investment structures, or long-term financial planning, this episode is packed with valuable, practical advice to help you make informed choices. Tune in for expert insights tailored to investors at all levels!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.

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.Read full blog here.In this episode, Stuart dives into the essential traits that make a mortgage broker truly great and how they can transform your financial journey. With over two decades of experience in mortgage broking and property investing, Stuart shares unique insights into what separates exceptional brokers from the rest. He explores the five critical attributes every top-tier broker should possess, including property investment experience, a strong understanding of tax-efficient loan structures, and a solution-focused mindset to tackle even the most complex scenarios. Stuart highlights why working with a broker who specializes in clients like you can make all the difference and explains the importance of having a broker who’s not afraid to give honest advice—even when it’s not what you want to hear. While many focus solely on securing the lowest interest rates, Stuart argues that a broker’s real value lies in helping you achieve your long-term financial goals by ensuring smarter, well-informed decisions. Whether you’re a first-home buyer, investor, or someone seeking the right mortgage solution, this episode offers actionable insights to help you find a broker who will support you for life. If you’re looking to borrow or invest wisely, this episode is packed with advice to help you avoid costly mistakes and set yourself up for success. 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.

In this engaging Q&A episode, Stuart tackles a wide range of listener questions on investing, property development, superannuation strategies, and financial planning. He provides expert insights into whether to use dollar-cost averaging or lump sum investing, evaluates the benefits of wrap platforms versus low-cost funds like VDGR, and offers guidance on property decisions, including whether to renovate or develop for higher returns.Listeners will also gain practical advice on optimizing super contributions, debt recycling strategies, and building a high-growth, low-maintenance property portfolio. Stuart delves into the complexities of investing as a non-resident, the tax implications of capital gains, and how to leverage equity effectively.Whether you're planning your next property move, fine-tuning your investment strategy, or considering long-term retirement goals, this episode is packed with actionable insights to help you make smarter financial decisions. Perfect for investors at every stage of their journey!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.

Dive into the evolving landscape of investing as strategies for 2025 are explored! Discover how index funds, managed funds, and direct shares compare, revealing the power of evidence-based approaches. Learn why many active managers fall short against their indices and how large-cap stocks are dominating 2024. Unpack the potential of alternative index strategies like equal-weight and value-tilted funds. Whether you’re a novice or a seasoned pro, this discussion is filled with practical insights for building a resilient, diversified portfolio.