Investopoly

In this Q&A episode, Stuart dives into diverse financial topics, from tax-efficient super strategies to Melbourne's property market trends and business exit planning. He answers listener questions on the best share broking platforms, breaking down fees, accessibility, and market options.For superannuation investors, Stuart explains the tax implications of switching super fund investment options and discusses strategies for managing the taxable component of an SMSF, including the re-contribution method. He also provides guidance on balancing mortgage repayments, property investment, and share market exposure as retirement nears.The episode also explores the dynamics of Melbourne’s property market, evaluating whether now is the right time to buy, and the impact of land tax policies on investors. Lastly, for business owners, Stuart outlines tax-effective exit strategies, focusing on minimising CGT when selling a startup.If you’re looking to optimise your wealth-building strategy, superannuation planning, or investment approach, this episode is packed with expert insights to help you make informed financial decisions. Tune in now for valuable takeaways!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, we take a deep dive into property development as a wealth-building strategy. Using real-life case studies, we explore whether small-scale property development offers better returns than traditional buy-and-hold investing.🔹 Does developing property really pay off? Stuart analyzes a 20-year property development case study, showing how one investor turned $270,000 into $1.4 million—a 14.8% after-tax IRR. But does this kind of return hold up in today’s market? Rising land and construction costs have changed the game, making high-IRR developments harder to achieve.🔹 Key insights from the numbers: ✅ How land appreciation and construction costs impact development margins ✅ Why higher capital contributions may lead to greater wealth accumulation ✅ The realistic return expectations for developers in today’s market ✅ When buy-and-hold property investing could be a better long-term strategy💡 Should you invest in property development? Stuart breaks down whether small-scale development is worth the risk—or if your money is better off in a well-selected, investment-grade property with a simpler buy-and-hold strategy.If you're considering developing property, this episode is a must-listen! Tune in now for a data-driven breakdown of what works—and what doesn’t.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 pressing financial questions on asset protection, property decisions, and short-term investment strategies. He delves into whether high-net-worth individuals should prioritise asset protection over tax efficiency and whether selling assets now to move them into a trust is worth the CGT hit.Stuart also advises on the tricky decision of whether to sell or hold an investment property in light of expected life changes, breaking down the financial implications of each choice. For those managing finances across Australia and New Zealand, he provides insights on the best way to maximise savings for a major renovation while planning for private school fees.Additionally, he helps a listener decide on the right timing for property investment, considering borrowing capacity fluctuations and market conditions. Finally, he clarifies the tax implications of switching super investment options within an industry fund to better suit long-term financial goals.If you're grappling with wealth-building strategies, property investments, or optimising your super, this episode is packed with expert insights to help you make informed decisions. Tune in now for practical financial guidance!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 shares the key ways a financial advisor can help you maximise your share portfolio’s returns—beyond just picking stocks.🔹 What difference does an advisor make?Even savvy, self-directed investors can unknowingly leave money on the table. Stuart recounts a recent client experience where DIY investing resulted in costly mistakes—mistakes that could have been avoided with expert guidance.🔹 What do advisors actually do?✅ Portfolio Construction – Advisors structure portfolios to capture long-term growth, balancing market trends and historical cycles.✅ Risk Reduction – By strategically diversifying and reducing overexposure, advisors help you avoid concentration risk.✅ Behavioral Coaching – Preventing emotional, short-term decisions that could harm long-term returns.✅ Tax Efficiency – Ensuring investments are structured to minimise tax liabilities and maximise after-tax returns.💡 Can an advisor truly improve your returns?Stuart explains why professional investment management isn’t just about picking winners—it’s about avoiding costly mistakes, optimising for long-term gains, and managing risk effectively.If you're investing or considering working with an advisor, this episode is a must-listen! Tune in now to find out how a strategic, evidence-based approach can elevate your investment 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 Q&A podcast, I discuss strategies for maximising superannuation contributions, including the eligibility criteria for large non-concessional contributions and using income from properties and trusts to qualify. A listener seeking retirement planning advice receives insights on optimising investments for income, along with guidance on investing in shares versus property and the implications for estate planning. I also tackle superannuation strategies, exploring the benefits of separating taxable and non-taxable components and comparing the advantages of investing in shares personally versus through a company, particularly focusing on long-term growth and negative gearing benefits. 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, Campbell Wallace breaks down the key qualities that make a great buyer’s agent and why choosing the right one can make or break your property investment strategy.Investing in the highest-quality, investment-grade property within your budget is crucial for long-term capital growth. But navigating the market alone can be risky, and making the wrong purchase could set you back years financially. A top-tier buyer’s agent helps you avoid costly mistakes and ensures you secure the best asset possible.🔹 What should you look for?✅ A minimum of 10 years of experience or a team-based approach to leverage expertise✅ Deep local market knowledge—not just data-driven analysis but real, on-the-ground insight✅ A rigorous due diligence process to uncover hidden risks before you buy✅ Transparent pricing advice—no misleading “bargain” off-market deals✅ Integrity & reputation—agents who are willing to walk away from a bad deal💡 BONUS: Campbell shares insider tips on how to vet potential agents, ask the right questions, and ensure you’re working with someone who prioritises your long-term success over a quick commission.If you’re serious about property investing, this episode is a must-listen. Tune in now to learn how to find a buyer’s agent who will set you up for financial 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 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.